DR. ASHIMA SAXENA

Dynamic educator with over 10 years of experience in teaching Accounting and Finance, dedicated to fostering student success through innovative learning methodologies. Strengths include hard work, patience, problem-solving, leadership, teamwork, and exceptional communication skills. Committed to enhancing student performance by promoting creativity and higher-order thinking, empowering learners to develop critical analytical skills and a profound understanding of financial concepts. Passionate about creating an engaging educational environment that inspires academic and professional excellence.

• Cleared the "NISM- Series- V-A: Mutual Fund Distributors Certification Examination" as required under the SEBI (Certification of Associated Persons in the Securities Markets) Regulations, 2007.
• Challenging Wealth and Income Inequality, The Open University, UK – 22 Sep 2025
• Investment Risk Management, Coursera Project Networks – 7 Aug 2025
• Self-directed Emotional Learning for Empathy and Kindness (SEEK-based on Compassionate Integrity Training), UNESCO MGIEP – 2025
• Global Sustainability & Corporate Social Responsibility: Be Sustainable, Macquarie University – 9 Jun 2020
• Bias and Portfolio, Rice University – 1 Jun 2020
• Trade, Immigration and Exchange Rates in a Globalized World, IE Reinvesting Higher Education – 1 Jun 2020
• Financial Markets, Yale University – 16 May 2020
• Research Proposal: Initiating Research, UCDavis – 13 May 2020
• Qualitative Research, UCDavis – 12 May 2020
• Understanding Research Methods, University of London – 12 May 2020
• Feminism and Social Justice, University of California, Santa Cruz – 8 May 2020
• Behavioral Finance, Duke University – 4 May 2020
• Behavioral Investing, Indian School of Business – 1 May 2020
• Introduction to Financial Markets, Indian School of Business – 7 May 2020
• Bonds & Stocks, University of Michigan – 12 May 2020
• Finance for Everyone, McMaster University, Canada – 29 Apr 2020

• Co-authored research paper “Comparative Performance based on Components of Technical Efficiency of Commercial Banks in India”, published in Journal of Informatics Education and Research, ISSN no: 1526-4726, Volume 5, Issue 1 , Jan- Mar 2025 [DOI: 10.52783/jier.v5i1.2204]
• Co-authored research paper “Mobile Wallet Integration: A Wellspring of Prospects and Hardships”, published in Global Journal of Enterprise Information System, ISSN no. 0975-1432, Volume 14, Issue 4, Oct-Dec 2022.
• Co-authored research paper “A Systematic Literature Review of Supply Chain Management Practices and Performance”, published in Materials Today: Proceedings (Elsevier), Nov 2022. [DOI: 10.1016/j.matpr.2022.10.203]
• Co-authored research paper “A Study on the Role of Demographic Variables on Online Payment in Delhi NCR”, published in International Research Journal on Advanced Science Hub, Vol. 4, Issue 8, Aug 2022. [DOI: 10.47392/IRJASH.2022.052]
• Co-authored research paper “An Empirical Study on the Influence of Behavioral Biases on Investment Decisions in Delhi NCR”, published in Global Journal of Enterprise Information System, ISSN no. 0975-1432, Volume 14, Issue 3, Jul-Sep 2022.
• Co-authored research paper “Does Aging Impact Financial Behavior & Investment Decisions”, published in Global Journal of Enterprise Information System, , ISSN no. 0975-1432, Volume 12, Issue 3, Jul-Sep 2020, Pg no 8-13.
• Co-authored research paper “Saving Preferences and Demographic Variables of Investors: A Relationship Study”, published in Global Journal of Enterprise Information System, ISSN no. 0975-1432, Volume 12, Issue 1, Jan-March 2020, Pg no 52-59.
• Co-authored research paper “Gender Differences in Financial Behaviour Biases and Investment Decisions”, published in Studies in Indian Place Names, UGC Approved, ISSN no. 2394-3114, Volume 40, Issue 70, March 2020, Pg no 3747-3757.
• Co-authored research paper “Environmental Accounting Practices in India”, published in International Journal of Science and Research, ISSN: 2319- 7604, Volume 9, Issue 2, February 2020. Pg no: 1014-1016.
• Co-authored research paper “A Study on Job Satisfaction of Employees in Education Industry”, published in International Journal of Scientific Research and Reviews, UGC Approved, ISSN : 2279-0543, Volume 8, Issue 2 April-June 2019. Pg no: 2046-2054.
• Co-authored research paper “A Study on Customer Satisfaction towards Online Banking Services”, published in International Journal of Trend in Scientific Research and Development, Vol. 3, Issue 1, Dec 2018 (Impact Factor: 4.101). [DOI: 10.31142/ijtsrd20188]
• Co-authored research paper “Comprehensive Literature Review on Behavioral Finance”, published in International Journal of Creative Research Thoughts, I.SSN: 2320-2882, Vol no.6, Issue no.2. Pg no: 1245-1249.
• Co-authored research paper “Scope of Bancassurance”, published in IPASJ International Journal of Management (IIJM), Vol no.5, Issue no. 9. Pg no: 9-15.
• Co-authored research paper “Role of Foreign Direct Investment in the Indian Economy”, published in International Journal of Advance Research in Computer Science and Management Studies, Impact factor- 7.327, ISSN: 2321 7782, Vol no.4, Issue no. 11. Pg no: 9-15.

• Presented paper “Green Finance and ESG Investing: Tools for a Sustainable and Resilient Economy” at the International Conference on VISION 2047: Prosperous & Great Bharat, Kurukshetra University & ICAR, in collaboration with University of Agder, Norway, 24–26 April 2025.
• Presented paper “Impact of Behavioural Finance on Fintech Innovations & Regulatory Environment” at the International Conference on STRIDE, in collaboration with International College of Business & Technology (Sri Lanka) & Lincoln University of Business & Management (UAE), 24–25 April 2025.
• Presented paper “Sustainable Business Practices in Diverse Sectors” at International Conference on STRIDE, in collaboration with International College of Business & Technology (Sri Lanka) & Lincoln University of Business & Management (UAE), 24–25 April 2025.
• Presented paper “Bibliometric Review of Diversification Strategies for Business Development” at Global Leadership Research Conference: Navigating the Future Sustainability Business Management through Emerging Technologies & Intelligent Systems, Amity Business School, Noida, 19–21 March 2025.
• Presented paper “Microfinance and Exclusive Growth” at International Conference on Micro Finance and Sustainability, Chaudhary Bansilal University, Bhiwani, 26 April 2023.
• Presented paper “Higher Education and New Education Policy 2020: The Mission Ahead” at National Conference on Management Education in light of NEP 2020, Chaudhary Bansi Lal University, Bhiwani, 27–28 March 2023.
• Presented paper “Impact of Behavioral Biases on Investment Decisions in Noida Using SEM Approach” at International Conference on Sustainability Environment and Social Transformation in India (ICSEST'23), SRM College of Management, Ramapuram, 13 April 2023.
• Presented paper “Impact of Behavioral Biases on Investment Decisions in Delhi NCR Using SEM Approach” at International Conference on Sustainable Development in Commerce, Management & Technology, Rajdhani College, University of Delhi & Indian Commerce Association, 26–27 February 2023.
• Presented highlights on “New Education Policy (NEP) 2020” at One Day National Seminar on NEP: Issues, Challenges & Implications, Sanatan Dharam College, Hoshiarpur, Feb 2023.
• Presented paper “An Analysis of Customer Perception on Unified Payment Interface (UPI) Application with Exclusive Reference to Delhi NCR” at International Multi-Disciplinary E-Conference on Recent Innovations in Science, Technology, Education, Management, and Medicine, Transstellar, 18 Feb 2023.
• Presented paper “Comprehensive Review Paper on the Influence of Demographic Variables and Behavioural Biases on Investment Decisions” at International Multi-Disciplinary E-Conference on Recent Innovations in Science, Technology, Education, Management, and Medicine, Transstellar, 18 Feb 2023.
• Presented paper “Role of Agriculture in Rural Economy Development of Haryana” at International Conference on Innovative Practices in Education, Management and Technology for Achieving Excellence, NDIM Delhi & BFGI Punjab in association with AVU, Romania, 2–3 Dec 2022.
• Presented paper “Customer Perception Towards Open Banking & Digital Only Banks in Delhi NCR” at International Conference on Sustainability & Digitalisation, Jamia Hamdard, New Delhi, 28–29 Sept 2022.
• Presented paper “A Systematic Literature Review of Supply Chain Management Practices and Performance” at International Conference on Design and Application of Multifunctional Materials, Interfaces, and Composites (DAM2IC-2022), 4–6 June 2022.
• Presented paper “Factors Influencing Preference of Savings in Individual Investor Based on Their Demographic Variables” at 17th International Conference: Global Digital Transformation, PHDCCI, 11–12 Feb 2022.
• Presented paper “Use of Artificial Intelligence in Banking Sector: A Study on Commercial Banks” at 1st International Conference on Emerging Issues in Business & Economic Research, Rajdhani College, University of Delhi, 17–18 Dec 2021.
• Presented paper “Relationship Between Saving Preferences and Demographic Variables of Investors” at 11th National Conference on Contemporary Management Research (NACCMAR2020), Apeejay School of Management, Dwarka, 6 March 2020 (ISBN: 978-93-84562-14-4).
• Presented paper “An Analytical Perspective Towards Technological Applications in Higher Education” at 13th International Conference: Business 2025 – Driving Growth through Strategic Innovation, Entrepreneurship, and Digitization, PHDCCI, 10 Feb 2018 (ISBN: 978-93-87471-67-2).
• Presented paper “From Efficient Market Hypothesis to Behavioral Finance” at 3rd International Conference on Advances in Management and Decision Sciences, Gautam Buddha University, 30–31 Dec 2017.

• Authored “Textbook on Financial Management”, ISBN 978-81-960493-5-5, GCS Publisher, 20 Mar 2023.
• Authored “Research Made Easy”, ISBN 978-93-6252-985-5, IIP Iterative International Publishers, 29 Apr 2024.
• Edited “Digital Transformation in Contemporary Times: A Panorama For Reshaping and Reimagining the Future”, ISBN 978-93-5545-098-2, Namya Press – International Publishing Platform, 25 Sep 2022.
• Edited “Entrepreneurs: The Catalyst for Economic Growth”, ISBN 978-93-93810-45-8, Empyreal Publishing House, 8 Apr 2023.

• “Urban Mobility and Challenges of Intelligent Transportation Systems” ISBN no: 9798369379844 “Advanced Digital Ticketing and Payment Solutions in Smart Transportation Systems” on April 2025, DOI: 10.4018/979-8-3693-7984-4 (IGI Global Scientific Publishing).
• “Artificial Intelligence, Fintech, and Financial Inclusion” ISBN no: 9780367645687 “A Scientometric and Bibliometric Review of Impacts and Application of Artificial Intelligence and Fintech for Financial Inclusion” Taylor & Francis : Scopus Indexed Book on 29th December 2023.
• “Emerging Technologies for Banking, Finance & Business” – Bloomsbury Publication ISBN no: 978-81-96656-85-0 “Fintech: A Bibliometrics Analysis Using Biblioshiny”on March 2023.
• “Emerging Issues in Accounting, Finance & Capital Markets” – Bloomsbury Publication ISBN no: 978-81-96656-89-8 “An insight on Behvaioral Finance” on March 2023.
• “Emerging Technologies for Banking, Finance & Business” – Bloomsbury Publication ISBN no: 978-81-96656-85-0 “Navigating the Digital Era: Key Skills & Insights for Digital Entrepreneurs” on March 2023.
• “National Education Policy 2020: Issues, Challenges & Implications” ISBN no: 978-81-958338-6-3 “Highlights of New Education Policy(NEP) 2020” on 30thMarch 2023.
• “Research Methods & Legal Writing: A Handbook for LLM & PhD Scholars” ISBN no: 978-93-5980-764-5 “ Processing of Empirical Data” on Feb 2023.

• Developed the MOOC Income Tax using the 4-quadrant approach, ISBN: 978-93-343-9378-1, published by Raja Rammohun Roy National Agency.
• Developed the MOOC Auditing, using the 4-quadrant approach; publication currently in process.

• Yadav, Chawla, Dangi, Saini, Saxena, Sandhu 2025 A Device for Enhancing Customer Experience using Fintech to transform Digital Interactions
• Vikas, Grover, Devi, Saxena 2023 Financial Data Managing Device in Bank Govt of India Patent Application Number 378445-001.
• Yadav, Bharti, Arora, Khera, Saxena, Nag, Chadha, Gera, 2022. A Novel Heath Diagnosis System using Multiple Sensors. Govt. of India Patent 361299-001 filed 26thMarch 2022. Waiting for Technical Examination. ∙ (Patent Granted)
• P. Jawajala, R. Jawajala, Rathor, Saxena, Ahuja, Chadha, 2022. Gas Burner Govt. of India Patent Application number: 364336-001 filed on 17th May 2022. (Patent Granted)
• Jhajharia, Chauhan, Sharma, Kapoor, Saxena, Chadha, Bharti 2022 Exhaust Fan with Air filter, Govt of India Patent Application Number 365421-001 filed on 3rdJune 2022. (Patent Granted)
• Dhaundiyal, Priyadarshi, Dawar, Anand, Khera, Saxena 2022 Smart Bag with Weight Calculator Govt of India Patent Application Number 368495-001 filed on 29th July 2022. (Patent Granted)
• Chahal, Hajra, Chadha, Saxena, Khera, Kamboj 2022 Smart Bird Enclosure Govt of India Patent Application Number 368103-001 filed on 21st July 2022. Granted
• Mongia, Ahuja, Mouria, Babbar, Saxena, Gaur 2022 Safety glasses with earbuds for workers Govt of India Patent Application Number 370592-001, filed on 9thSeptember 2022.
• Mongia, Chaudhary, Sharma, Gulati, Saxena, Gera 2022 Classroom Participation Detection Device Govt of India Patent Application Number 202211071433.
• Khan, Chawla, Saxena, Arif, Dalal 2022 Online marketing as a brand-building strategy for the banking industry Govt of India Patent Application Number 202231070168.

• FDP on “AI for Teaching and Learning” (18th to 29th August, 2025), organised by Electronics & ICT Academy, supported by Ministry of Electronics and Information Technology (MeitY), Govt. of India Indian Institute of Technology Guwahati.
• FDP on “Digital Amelioration and the Changing Shape of Quality Management Practices” from 13th to 19th Feb 2023 organised by Lingaya’s Vidhyapeeth in collaboration with MDS IndoCan.
• FDP on Outlook over Research Writing & Publication Process by Faculty of Allied Health Sciences, Manav Rachna International Institute of Research Studies, from 13thto 18th December 2021.
• FDP on Research Methodology and Data Analytical ICT Tools & Techniques by Faculty of Media studies & Humanities, Manav Rachna University from 17th December to 24th December 2020.
• 5 day workshop on Systematic Literature Review& Bibliometric Analysis using open source tools by Academia Insight Institute of Research Studies from 7thApril – 11th April 2025.
• Workshop on “Designing Outcome Based Education” from 23rd – 27thDecember 2019, in Manav Rachna University.