Dr. Pankaj Jha, PhD

Dr. Pankaj Jha, PhD

Founder/CEO, Quantum Equilibrium Scientist

BIO

Dr. Pankaj Jha is Founder/CEO, Quantum Equilibrium Scientist at AI-Life Pay Inc. Dr. Jha is an executive specializing in Quantum Equilibrium, Quantum Spin-Data, Fintech Risk Profiling and Targeting, Investments and Quantum Innovation. At AI-Life Pay Dr. Jha's strategic vision and plan is to build Quantum Equilibrium fintech platform using AI-Life Score™, proprietary algorithm. Platform will be used to identify credit worthiness and fraud prevention, using dark data analysis.



Prior to AI-Life Pay Inc., Dr. Jha worked at GIANT AIBI, Palo Alto, USA and Intel, Portland, USA. At Intel he was involved in Front-end Technology Development for 10nm Tri-Gate 3D transistor (P1274). Dr. Jha received his masters and PhD degree from Purdue University in 2010 and 2013 respectively. At Purdue University his research was focused on Novel Perovskite Oxide Devices, Oxide Superlattices, Oxide Thermoelectrics. In 2013 Dr. Jha had MIT, Postdoctoral Scholar Offer which he did not pursue further. He received Student Innovator Award 2013 and 2012 at Office of Technology Commercialization-Purdue Research Foundation. Dr. Jha also received Nanotechnology Student Advisory Council (NSAC) Leadership Award 2012. Award Citation: "The NSAC Leadership award has been established to provide recognition for outstanding service, participation, and leadership for NSAC", Birck Nanotechnology Center, Purdue University. He was visiting research scholar at Interuniversity Microelectronics Center (IMEC), Belgium in 2008.

Founder/CEO, Quantum Equilibrium Scientist

Palo Alto, California, United States


  • Company: AI-Life Pay   
  • Website: www.ailifepay.com
  • Location: Palo Alto, CA, USA
  • Field: Quantum Equilibrium Fintech

Quantum Equilibrium Scientist

Palo Alto, California, USA


  • Company:AI-Life Pay
  • Website: www.ailifepay.com
  • Location: Palo Alto, CA, USA
  • Field: Quantum Fintech


  • Quantum Equilibrium, Quantum Spin-Data, Economy, Strategy
  • Fintech Risk Profiling and Targeting, Investments, M&A, Innovation and Leadership
  • Entrepreneur, Leadership, Business and Technology Innovation, Risk, Ideas to Reality
  • Oxide Magnetic/Spintronics Devices, Artificial Materials, Spin-Magnetic Novel Devices


Experience

Founder/CEO and Quantum Equilibrium Scientist

AI-Life Pay

Mar 2023 - Present

Palo Alto, California, United States

  • Quantum Equilibrium, Quantum Spin-Data Intelligence, and Quantum in Fintech
  • Emerging Quantum, Nanotechnology and AI, AI-Life Pay, and AI-Life Score
  • Quantum Computing Fintech Risk Profiling, Targeting and assessment

Founder/CEO, Nanotechnology and AI Scientist

GIANT AIBI

Apr 2015 - Dec 2022

Palo Alto, California, United States

  • Quantum Equilibrium, Quantum Spin-Data Intelligence, and Fintech
  • Emerging Quantum and Nanotechnology Devices, Spintronics, Exploratory Devices
  • Dark-Data Referencing and Fraud Prevention using Quantum Computing

Technology Development Engineer

Portland Technology Development, Intel Corporation

Aug 2013 - Mar 2015

Portland, Oregon Area

  • Front-end Technology Development for 10nm Tri-Gate 3D transistor (P1274)

PhD Candidate and Graduate Research Assistant

Purdue University

Jan 2008 - Aug 2013

Birck Nanotechnology Center

  • Novel Perovskite Oxide Devices, Oxide Superlattices, Oxide Thermoelectrics

Visiting Research Scholar

Interuniversity Microelectronics Center (IMEC)

Jun 2008 - Aug 2008

Belgium

  • Explored Negative Capacitance Effect in BaTiO3 and MOSFET Scaling

National Research Fellowship

Indian Institute of Technology, Bombay

Jun 2006 - Aug 2007

  • Exploration of Novel Nano-electronics Energy Conversion Devices


Education

Purdue University

Doctor of Philosophy (PhD), Electrical and Computer Engineering

2010 - 2013

Grade: Nanotechnology

Activities and Societies: • President (2011-2012) Nanotechnology Student Advisory Council (NSAC), Purdue University • Graduate Ambassador, Birck Nanotechnology Center, Purdue University • Volunteer committee chair, NanoDays, Birck Nanotechnology Center

Advisor : Professor Timothy D. Sands ( https://www.president.vt.edu/index/biography.html )
Thesis: Cross-plane thermoelectric transport in p-type LSMO/LMO superlattices


Stanford University Graduate School of Business

Executive Education, Finance and Accounting (FANFE)

Jan 2024 - Feb 2024

Grade: In-Person, Certificate

Finance and Accounting, Taxes, M&A, Business Ethics


Purdue University - Krannert School of Management

MINI-MBA Program: Applied Management Principles; May 2013

2013 - 2013

Extensive two week course in Accounting/ Economics / Marketing/ Strategy / Leadership/ Finance
Nominated by Purdue University School of Electrical and Computer Engineering and Funded by College of Engineering


Purdue University

Master of Science (M.S.), Electrical and Computer Engineering

2008 - 2010

Grade: Nanotechnology

Activities and Societies: • Research and Awareness Chair (2009-2011), Nanotechnology Student Advisory Council (NSAC) • Coordinated a visit to Argonne National Laboratory, UIUC Nano Lab, and Fermi Lab, USA • Judged Undergraduate Research and Poster Symposium 2008, Purdue University

Advisor : Professor Timothy D. Sands ( https://www.president.vt.edu/index/biography.html )
Thesis: P-type Perovskite Oxide Thermoelectrics



Publications

See Publications



Patents

Giant cross-plane seebeck effect in oxide metal semiconductor superlattices for spin-magnetic thermoelectric devices

Issued June 4, 2019 • United States • Patent No . : US 10,312,426,B2
See Patent


Oxide metal semiconductor superlattices for thermoelectrics

US20120227663A1US
See Patent



Courses

24th Annual Berkeley-Stanford Advanced Patent Law Institute December 7-8, 2023

Stanford AI Symposium: AI Applications, Risks, and Oversight for Business Nov 13, 2023

Stanford University Technological Innovation and National Security Conference Nov 1, 2023



Honors & Awards

Reviewer

Issued by Journal of Applied Physics · Sep 2014

  • Associated with Portland Technology Development, Intel Corporation
  • Reviewer, Journal of Applied Physics, 2014-Present

Student Innovator Award 2013

Issued by Office of Technology Commercialization-Purdue Research Foundation · Nov 2013

  • Associated with Purdue University
  • Student Innovator Award 2013, Purdue University

MINI-MBA Program: Applied Management Principles at Purdue University Krannert School of Management

Issued by School of Electrical and Computer Engineering and College of Engineering, Purdue University · May 2013

  • Associated with Purdue University
  • Nominated and scholarship by Purdue University School of Electrical and Computer Engineering and College of Engineering

MIT, Postdoctoral Scholar Offer

Issued by MIT- Massachusetts Institute of Technology, Cambridge, United States · May 2013

  • Associated with Purdue University
  • Decided to pursue other opportunity

Nanotechnology Student Advisory Council (NSAC) Leadership Award 2012

Issued by Birck Nanotechnology Center, Purdue University · Jan 2012

  • Associated with Purdue University
  • Award Citation: "The NSAC Leadership award has been established to provide recognition for outstanding service, participation, and leadership for NSAC", Birck Nanotechnology Center, Purdue University

Student Innovator Award 2012

Issued by Office of Technology Commercialization-Purdue Research Foundation · Jan 2012

  • Associated with Purdue University
  • Student Innovator Award 2012, Purdue University

Travel Grant, Electronic Material Conference (EMC-2011)

Issued by Electronic Material Conference · Jan 2011

  • Associated with Purdue University


Projects

Thermoelectric Transport in Perovskite Oxide Superlattices

Jan 2010 - Present

  • Cross-plane thermoelectric transport in p-type LSMO/LMO oxide superlattices

P-type Perovskite Oxide Thermoelectrics

Jan 2008 - Jan 2009

  • Investigated perovskite oxide as a potential p-type thermoelectric material


Organizations Associated

The Minerals, Metal and Materials Society

Member · May 2011 - Present

  • Associated with Purdue University

Material Research Society

Member · Jan 2010 - Present

  • Associated with Purdue University

Nanodays at Birck Nanotechnology Center, Purdue University

Volunteers Committee Chair · Jan 2012 - Jan 2013

  • Associated with Purdue University
  • Nanodays is a nation wide education programs about nanoscale science and engineering and it potential impact on the future; mostly engages K-12 learning about emerging field of science.
  • Volunteers 2010, 2011

Birck Nanotechnology Center, Purdue University

Graduate Ambassador · Jun 2010 - Jun 2012

  • Associated with Purdue University
  • Inaugural class of graduate ambassadors, Birck Nanotechnology Center, Purdue University

Nanotechnology Student Advisory Council (NSAC)

President · May 2011 - Jun 2012

  • Associated with Purdue University
  • Initiated NSAC-NCN student seminar series
  • Initiated NSAC correspondent program
  • Mentored NSAC members for leadership positions

Nanotechnology Student Advisory Council (NSAC)

Research and Awareness Chair · May 2009 - May 2011

  • Associated with Purdue University
  • Coordinated visit to Argonne National Laboratory, Fermi Lab, and Micro and Nanotechnology Laboratory, University of Illinois at Urbana-Champaign, USA
  • Visited Caltech, Stanford, MIT, Harvard, UIUC, Notre Dame, Northwestern, and UCSB University

Quantum Equilibrium Fintech
ai-life score

Quantum Equilibrium Fintech
ai-life score

Quantum For Randomness, Speed and Accuracy

Quantum For Randomness, Speed and Accuracy

Quantum Hidden Variables Market Volatility, Risk Profiling and Optimization

Quantum Hidden Variables Market Volatility, Risk Profiling and Optimization

Quantum Probability At Collapse Of Wave Function For Confidence and Security

Quantum Probability At Collapse Of Wave Function For Confidence and Security









Product and Services

Product and Services

AI-Life Score™ : Quantum Equilibrium Intelligence (QEI) Fintech Platform

AI-Life Score™ : Quantum Equilibrium Intelligence (QEI) Fintech Platform


Personal Unsecured Loan

Personal Loan

Unsecured Personal installment loan, $750 to $30,000 (California only)

Small Business Loan

Build your loan for longer term, higher amount. Custom build, Personal

AI-Life Score SaaS

Proprietary credit decision, risk assessment and fraud detection

Line Of Credit

Low rates, convenient. If you lose your job, we’ll temporarily pause your payments and help you recover

AI-Life Pay Neo Bank

Zero fees, zero balance full-service banking, Smart tools to track your money and high return investments

AI-Life Pay BaaS

More banking options for consumers. Omnichannel support, accelerate all your digital banking