Dr. Mamta Sharma is working as a Lecturer in the Department of Commerce, Udhampur Campus, University of Jammu, India. She had Joined the campus on 08-08-2012 having 9 years of teaching experience. She has completed her Doctoral Degree on the topic "Financial Literacy, Financial Well-Being and Personal Well Being (With Special Reference to Households in Jammu Province) " She has conducted webinars & lectures on financial awareness and workshop on data analysis Using JAMOVI as a resource person. She has conducted various webinars as a coordinator under Udhampur Campus Capacity Building Series (UCCBS) and financial literacy Campaign as a coordinator under Udhampur Campus Community Facilitation Centre (UCCFC). She has attended and presented number of papers in various national and international conferences. She has also published papers in various reputed journals. She has published a book named e-commerce and digital marketing. She had received best paper award in the international conference organised by Amity University in Feb. 2021. she had attended number of workshops and webinars. she has 4 years of research experience.

Dr. Ritika Sambyal has teaching as well as 7 years of research experience. She has done her Doctoral Degree from the Department of Commerce, University of Jammu, on the Topic “Examining the Outcomes of Corporate Social Responsibility (CSR) Initiatives of Companies in Punjab State” under the supervision of Dr. Gurjeet Kaur Sahi, Department of Commerce, University of Jammu, Jammu, India. Her research is acknowledged in national and international Journals such as Vikalpa: The Journal for Decision Makers, Journal of Global Marketing, International Journal for Innovative Research etc. She has presented research papers in various national and international conferences.

Dr. Kamani Dutta has teaching as well as 5 years of research experience. She has completed her Doctoral Research Degree on the topic “Exploring determinants, dimensions and outcomes of customer experience in selected services” under the supervision of Prof Hardeep Chahal from Department of Commerce, University of Jammu. She has attended many national and international conferences as well as workshops. Her research is acknowledged in national and international Journals such as The Marketing Review, Decision and NICE Journal of Business.