Indian Institute of Information Technology Allahabad, India.
Lata Kumari Pandey is a dedicated PhD Senior Research Fellow at the Indian Institute of Information Technology Allahabad (IIITA) under the Department of Management Studies. Currently pursuing her PhD in the field of Management, she has demonstrated a strong academic track record, earning numerous qualifications and accolades. With a focus on Behavioral Finance and Digital Payment Systems, her research aims to bridge gaps in understanding consumer behavior in financial sectors. She is also an active contributor to the academic community, having authored several publications, book chapters, and conference papers.
Profile
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Education 🎓
Lata Kumari Pandey has a strong academic background, having excelled in various levels of education. She is currently pursuing a PhD at the Indian Institute of Information Technology Allahabad (IIITA), focusing on Behavioral Finance and Digital Payment Systems. Before this, she completed her M.COM from Kazi Nazrul Islam University with a 1st Class (78.81%), showcasing her strong analytical skills and academic dedication. Lata also holds a B.Com (Hons.) degree from Burdwan University, where she earned 1st Class (68.99%). Her solid foundation in academics began earlier with 12th ISC (82.66%) and 10th ICSE (79%), both from CBSE, demonstrating consistent high performance throughout her educational journey.
Lata Kumari Pandey has continuously excelled academically, having completed her M.Com and B.Com with top honors. Her current pursuit of a PhD focuses on examining modern financial platforms and consumer behavior, preparing her for a significant role in the academic world.
Experience 🏢
Lata Kumari Pandey has gained substantial research experience as a Senior Research Fellow. She has actively contributed to six international workshops and conference organizing committees, enhancing the academic experience within her institution. Her teaching and research activities at IIITA have reinforced her position as a leading scholar in behavioral finance and social media payment systems.
Research Interests 🔍
Lata Kumari Pandey’s research delves into the rapidly evolving field of behavioral finance, exploring how human psychology affects financial decision-making. Her work specifically investigates the risk perception of cryptocurrency investors, shedding light on the psychological factors that influence investment choices in this emerging market.
Social Media Payment Platforms and Adoption
Lata is also focused on the growing use of social media payment platforms (SMPPs), studying the factors that drive user intention and adoption of these platforms. Her research seeks to understand how these digital payment methods impact consumer behavior and their broader implications for financial markets and the economy.
Influence of Social Media Influencers on Investment Decisions
One of Lata’s key interests is examining how social media influencers shape equity investment decisions. She explores the role of influencers in guiding investor behavior and how their recommendations can affect financial choices in the digital age, particularly on platforms like YouTube and Instagram.
Financial Literacy and Consumer Behavior
Lata’s work also touches upon financial literacy in the digital age, with a focus on how online resources and social media influence individuals' understanding of finance, investment, and consumer behavior. Her findings aim to provide insights into improving financial education in an increasingly interconnected and digital world.
Awards and Honors 🏆
Lata Kumari Pandey has been recognized with multiple academic awards, including:
JRF in Commerce, with 99.98 percentile (AIR 33)
NET Qualified (2 times)
WBSET (Rank 4, 73.33%)
Selected Publications 📖
Factors Affecting the Risk Perceptions of Cryptocurrency Investors
J. Bhattacharjee, L. Kumari Pandey, R. Singh, H.K. Baker
Journal of Behavioral Finance, 2024, 1-13
Adopting Social Media Payment Platforms: A Systematic Literature Review and Future Research Agenda
L. Kumari Pandey, R. Singh, A. Singh
Academy of Marketing Studies Journal, 2025, 29(2), 1-20
Beyond the Screen: How YouTube Influencers Shape Equity Investment Decisions
L.K. Pandey, R. Singh, H.K. Baker, H.R. Laskar
Journal of Theoretical and Applied Electronic Commerce Research, 2025, 20(15), 1-17
A Data Mining Approach
R. Singh, K. Kajol, B. Pandiya, L. Puri, L.K. Pandey, S. Agarwal, S. Khan
Proceedings of the NIELIT’s International Conference on Communication, Electronic, and Digital Technologies, 2024
Heuristic and Herding in Investment Decision Among Millennials: An Empirical Study of Tripura
Sankha Subhra Deb, Sujit Deb, Lata Kumari Pandey, Lokendra Puri
Emerging Issues in Behavioral Finance, 2024, 167-168