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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.

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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.

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

Articles

Enhancing financial self-efficacy through financial literacy: leveraging financial education mandates as an instrument variable to examine causal pathways

International Journal of Bank Marketing

2026

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The Use of Alternative Financial Services (AFS): A Social Cognitive Approach

Financial Planning Research Journal

2026

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Social media, investment knowledge, and meme stock trading

Journal of Behavioral Finance

2025

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