Lata Kumari Pandey | Smart Materials | Best Researcher Award

Ms. Lata Kumari Pandey is a passionate Ph.D. research scholar at IIIT Allahabad specializing in behavioral finance, fintech, and digital payment systems . She has qualified JRF (99.98 percentile), NET (twice), and WBSET (Rank 4), showcasing her academic brilliance . Lata has published in SSCI and SCOPUS Q1 journals and holds both a design and a utility patent related to fintech innovation . She actively presents at global conferences and co-authors interdisciplinary book chapters . With a growing academic footprint and innovation-driven mindset, she exemplifies a future leader in finance research and technology integration .

Ms Lata Kumari Pandey, Indian Institute of Information Technology, Allahabad, India

Profile

SCOPUS

Education

Ms. Lata Kumari Pandey has maintained a strong academic record throughout her educational journey . She completed her 10th and 12th under the ICSE and ISC boards in Delhi with first-class distinction, scoring 79% and 82.66% respectively . She earned her B.Com (Hons) from Burdwan University with 68.99% and an M.Com from Kazi Nazrul Islam University with 78.81%, both in first class . Currently, she is pursuing her Ph.D. in Management Studies at the prestigious Indian Institute of Information Technology Allahabad, focusing on digital finance and behavioral economics .

Book Chapter

Ms. Lata Kumari Pandey has co-authored impactful book chapters that reflect her expertise in data analytics, behavioral finance, and financial technology . Her work includes a data mining-based analysis of customer reviews on payment apps published in a Springer Nature conference proceeding , and a credit card fraud detection study using discriminant analysis presented at the K.J. Somaiya Business Analytics Conference . She also contributed to a BLOOMSBURY publication examining heuristics and herding behavior in millennial investment decisions . These interdisciplinary contributions highlight her academic versatility and real-world relevance in finance and technology .

Conference Presentations

Ms. Lata Kumari Pandey has presented eight impactful research papers at prominent national and international conferences . Her presentations span topics such as credit card fraud detection, digital payment adoption, influence of YouTube on investments, and WhatsApp Pay awareness . These include conferences hosted by IIIT Allahabad, IIT Guwahati, Manipur University, and Pacific University, and publications through IEEE Xplore and Springer . Her work highlights innovation in behavioral finance and fintech, reflecting her strong communication skills and scholarly engagement with cutting-edge themes in finance and digital technology .

Innovation and Patent

Ms. Lata Kumari Pandey has demonstrated strong innovative capabilities through her contributions to two cutting-edge patents in the fintech domain . She is a co-inventor of a Design Patent titled Social Media Payment Platform Integration Device (2025), aimed at seamless financial transactions via social media platforms . She also co-authored a Utility Patent, Multi-Platform Social Media and Payment Integration Hub with Advanced Security Features and AI-Driven Fraud Detection (2025, Application No. 202411077943 A) . These patents highlight her applied research excellence and vision for secure, tech-integrated financial ecosystems .

Research Focus

Ms. Lata Kumari Pandey’s research centers on behavioral finance, fintech adoption, and digital payment technologies . Her work explores how individuals perceive risk in cryptocurrency, adopt social media payment platforms, and respond to fintech innovations like e-gold and influencer-driven investments . She uses both qualitative and quantitative approaches, including social network analysis and systematic literature reviews, to study user behavior and digital finance ecosystems . Publishing in top-tier SSCI and SCOPUS Q1 journals, her research contributes to understanding modern financial behaviors, digital trust, and the evolving relationship between technology and financial decision-making .

Publications

Factor Affecting the Risk Perception of Cryptocurrency Investor
Authors: Bhattacharjee Jayshree, Pandey Lata Kumari, Singh Ranjit, Baker H. Kent
Journal: Journal of Behavioral Finance (SSCI, ABDC ‘A’, SCOPUS Q1, IF-1.7)

Measuring Awareness about Mutual Funds: A Study on Bank Employees in Tripura
Authors: Deb Sujit, Singh Ranjit, Pandey Lata Kumari, Yadav Vibha, Deb Sankha Subhra
Journal: International Journal of Accounting & Finance Review (ABDC ‘C’ Category)

Unravelling the Determinants of Social Media Payment Platform (SMPP) Usage: A Qualitative Study on User Intention and Adoption
Authors: Pandey Lata Kumari, Bhattacharjee Jayshree, Singh Ranjit, Singh Ambrish
Journal: Bangladesh Journal of Multidisciplinary Scientific Research (SCOPUS Q3)

 Beyond the Screen: How YouTube Influencers Shape Equity Investment Decisions
Authors: Pandey Lata Kumari, Singh Ranjit, Baker H. Kent, Rahman Habibur Laskar
Journal: Journal of Theoretical and Applied Electronic Commerce Research (SSCI, ABDC ‘B’, SCOPUS Q1, IF-5.6)

Adopting Social Media Payment Platforms: A Systematic Literature Review and Future Research Agenda
Authors: Pandey Lata Kumari, Singh Ranjit, Singh Ambrish
Journal: Academy of Marketing Studies Journal (ABDC ‘B’)

Factor Affecting Social Media Payment Platforms: A Social Network Analysis Approach
Authors: Pandey Lata Kumari, Singh Ranjit, Baker H. Kent, Singh Ambrish
Journal: Journal of Service Theory and Practice (ABDC ‘A’, SSCI, SCOPUS Q1, IF-4.9)

Fintech Adoption and Dispositional Innovativeness in E-Gold Investment: Evidence from India
Authors: Pandey Lata Kumari, Bhattacharjee Jayshree, Singh Ranjit, Baker H. Kent, Rohit Kumar Sharma
Journal: Journal of Theoretical and Applied Electronic Commerce Research (SSCI, ABDC ‘B’, SCOPUS Q1, IF-5.6)