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 ๐๐ป. She has qualified JRF (99.98 percentile), NET (twice), and WBSET (Rank 4), showcasing her academic brilliance ๐๐. Lata has published in SSCI and SCOPUS Q1 journals and holds both a design and a utility patent related to fintech innovation ๐ฌ๐. She actively presents at global conferences and co-authors interdisciplinary book chapters ๐โ๏ธ. With a growing academic footprint and innovation-driven mindset, she exemplifies a future leader in finance research and technology integration ๐๐.
Ms Lata Kumari Pandey, Indian Institute of Information Technology, Allahabad, India
Profile
๐ Education
Ms. Lata Kumari Pandey has maintained a strong academic record throughout her educational journey ๐๐. She completed her 10th and 12th under the ICSE and ISC boards in Delhi with first-class distinction, scoring 79% and 82.66% respectively ๐๐ซ. 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 ๐๐. 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 ๐๐ผ.
๐ Book Chapter
Ms. Lata Kumari Pandey has co-authored impactful book chapters that reflect her expertise in data analytics, behavioral finance, and financial technology ๐๐. Her work includes a data mining-based analysis of customer reviews on payment apps published in a Springer Nature conference proceeding ๐ฌ๐, and a credit card fraud detection study using discriminant analysis presented at the K.J. Somaiya Business Analytics Conference ๐ณ๐ง . She also contributed to a BLOOMSBURY publication examining heuristics and herding behavior in millennial investment decisions ๐งโ๐ผ๐ก. These interdisciplinary contributions highlight her academic versatility and real-world relevance in finance and technology ๐๐.
๐ค Conference Presentations
Ms. Lata Kumari Pandey has presented eight impactful research papers at prominent national and international conferences ๐ง ๐. Her presentations span topics such as credit card fraud detection, digital payment adoption, influence of YouTube on investments, and WhatsApp Pay awareness ๐ณ๐ฑ. These include conferences hosted by IIIT Allahabad, IIT Guwahati, Manipur University, and Pacific University, and publications through IEEE Xplore and Springer ๐๐. 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 ๐๐ก.
๐ก๏ธ Innovation and Patent
Ms. Lata Kumari Pandey has demonstrated strong innovative capabilities through her contributions to two cutting-edge patents in the fintech domain ๐ง ๐ณ. 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 ๐ฒ๐. 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) ๐ค๐. These patents highlight her applied research excellence and vision for secure, tech-integrated financial ecosystems ๐๐ผ.
๐ฌ Research Focus
Ms. Lata Kumari Pandeyโs research centers on behavioral finance, fintech adoption, and digital payment technologies ๐ฑ๐น. 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 ๐ก๐. She uses both qualitative and quantitative approaches, including social network analysis and systematic literature reviews, to study user behavior and digital finance ecosystems ๐๐ง . 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 ๐๐ณ.
๐ 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 โCโ 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)
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ย 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)
๐บ๐๐ฏ
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’)
๐๐ณ๐งพ
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)
๐๐ก๐
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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