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 ππ». She has qualified JRF (99.98 percentile), NET (twice), and WBSET (Rank 4), showcasing her academic brilliance ππ. Lata has published in SSCI and SCOPUS Q1 journals and holds both a design and a utility patent related to fintech innovation π¬π. She actively presents at global conferences and co-authors interdisciplinary book chapters πβοΈ. With a growing academic footprint and innovation-driven mindset, she exemplifies a future leader in finance research and technology integration ππ.
Ms Lata Kumari Pandey, Indian Institute of Information Technology, Allahabad, India
Profile
π Education
Ms. Lata Kumari Pandey has maintained a strong academic record throughout her educational journey ππ. She completed her 10th and 12th under the ICSE and ISC boards in Delhi with first-class distinction, scoring 79% and 82.66% respectively ππ«. 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 ππ. 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 ππΌ.
π Book Chapter
Ms. Lata Kumari Pandey has co-authored impactful book chapters that reflect her expertise in data analytics, behavioral finance, and financial technology ππ. Her work includes a data mining-based analysis of customer reviews on payment apps published in a Springer Nature conference proceeding π¬π, and a credit card fraud detection study using discriminant analysis presented at the K.J. Somaiya Business Analytics Conference π³π§ . She also contributed to a BLOOMSBURY publication examining heuristics and herding behavior in millennial investment decisions π§βπΌπ‘. These interdisciplinary contributions highlight her academic versatility and real-world relevance in finance and technology ππ.
π€ Conference Presentations
Ms. Lata Kumari Pandey has presented eight impactful research papers at prominent national and international conferences π§ π. Her presentations span topics such as credit card fraud detection, digital payment adoption, influence of YouTube on investments, and WhatsApp Pay awareness π³π±. These include conferences hosted by IIIT Allahabad, IIT Guwahati, Manipur University, and Pacific University, and publications through IEEE Xplore and Springer ππ. 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 ππ‘.
π‘οΈ Innovation and Patent
Ms. Lata Kumari Pandey has demonstrated strong innovative capabilities through her contributions to two cutting-edge patents in the fintech domain π§ π³. 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 π²π. 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) π€π. These patents highlight her applied research excellence and vision for secure, tech-integrated financial ecosystems ππΌ.
π¬ Research Focus
Ms. Lata Kumari Pandeyβs research centers on behavioral finance, fintech adoption, and digital payment technologies π±πΉ. 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 π‘π. She uses both qualitative and quantitative approaches, including social network analysis and systematic literature reviews, to study user behavior and digital finance ecosystems ππ§ . 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 ππ³.
π 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 βCβ 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)
π±ππ₯
Β 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)
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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’)
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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)
ππ‘π
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)
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