Ichchha Pandey, CFP
Assistant Professor in the James M. Hull College of Business Augusta University
- Augusta GA
Dr. Pandey's research focuses on the impact of financial literacy on individuals’ financial decision-making and behavior.
Social
Biography
Dr. Ichchha Pandey, CFP®, holds an M.S. in Finance from the University of Nevada, Reno, and a Ph.D. in Personal Financial Planning from Texas Tech University. She is committed to teaching and research in the field of finance. Dr. Pandey believes in creating an engaging learning environment by incorporating real-world scenarios into her teaching, enabling students to apply theoretical concepts to practical situations.
Her research focuses on the impact of financial literacy on individuals’ financial decision-making and behavior. Through her work, Dr. Pandey aims to deepen understanding of this relationship and identify strategies to improve financial behaviors, ultimately advancing the discipline of financial planning. Her scholarly contributions have been published in leading academic journals, including the Journal of Behavioral Finance, the Financial Planning Review, the Journal of Financial Therapy, and the Financial Planning Research Journal.
Her research focuses on the impact of financial literacy on individuals’ financial decision-making and behavior. Through her work, Dr. Pandey aims to deepen understanding of this relationship and identify strategies to improve financial behaviors, ultimately advancing the discipline of financial planning. Her scholarly contributions have been published in leading academic journals, including the Journal of Behavioral Finance, the Financial Planning Review, the Journal of Financial Therapy, and the Financial Planning Research Journal.
Areas of Expertise
Financial Literacy
Financial Planning
Consumer Finance
Financial Behavior
Accomplishments
AFCPE® Outstanding Research Paper Symposium Award
2025 Association for Financial Counseling & Planning Education® (AFCPE®)
HCOB Research Award
2026 Hull College of Business (HCOB)
Education
Texas Tech University
Ph.D.
Finance and Financial Management
2023
Texas Tech University
Ph.D.
Financial Planning and Service
2023
Texas Tech University
M.S.
Finance and Financial Management
2021
Texas Tech University
M.S.
Financial Planning and Services
2021
University of Nevada - Reno
M.S.
Finance, General
2019
Tribhuvan University
BBA
Finance, General
2015
Tribhuvan University
BBAM
Business Administration and Management
2015
Articles
Enhancing financial self-efficacy through financial literacy: leveraging financial education mandates as an instrument variable to examine causal pathways
International Journal of Bank Marketing2026
The Use of Alternative Financial Services (AFS): A Social Cognitive Approach
Financial Planning Research Journal2026
Social media, investment knowledge, and meme stock trading
Journal of Behavioral Finance2025
Financial Knowledge and Credit Card Management Behavior: Analysis Using Fractional Regression
Journal of Financial Counseling and Planning2025
Investors' Response to Market Volatility and Financial Sophistication
Financial Planning Review2025


