Ms Renuka Mittal

Higher Degree by Research Candidate

School of Economics

College of Business and Law


My doctoral thesis focuses on understanding the use of digital financial services by women and men in farming households in Southeast Asian countries and examining how these services reshape access to formal financial services for unbanked or underbanked rural households and influence farming household behaviour, agricultural investment, and economic resilience.

Date Position Institution name
2024 - 2024 Research Assistant University of Adelaide
2024 - 2024 Research Intern Department of Industry, Innovation and Science (DIIS)
2012 - 2023 Manager Bank of Baroda
2009 - 2012 Team Developer BA Continuum, a non-banking subsidiary of Bank of America

Date Type Title Institution Name Country Amount
2024 Award Excellence Award for Development Economics PG University of Adelaide Australia -
2024 Award Excellence Award for Applied Econometrics PG University of Adelaide Australia -
2023 Award Excellence Award for Applied Economic Principles University of Adelaide Australia -

Date Institution name Country Title
2025 University of Adelaide Australia Doctor of Philosophy (Ph.D.) in Economics
2023 - 2024 University of Adelaide Australia Master of Applied Economics
2010 - 2012 Symbiosis Centre of Distance Learning India Post-Graduate Diploma in Finance
2006 - 2009 University of Delhi India Bachelor of Economics (Honours)

Date Title Institution name Country
2014 Junior Associate of Indian Institute of Bankers (JAIIB) Indian Institute of Banking & Finance India
2014 Certified Associate of Indian Institute of Bankers (CAIIB) Indian Institute of Banking & Finance India
2014 Customer Service & Banking Codes and Standards Indian Institute of Banking & Finance India

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