Ramona Rupeika-Apoga

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About

Ramona Rupeika-Apoga is a leading scholar in financial risk management and behavioral finance, whose work bridges the gap between individual decision-making and systemic financial stability. Her research primarily explores how risk perceptions shape economic behavior, particularly in the contexts of digital finance, small and medium-sized enterprises, and crisis resilience. In her highly cited 2021 study, "Individual Risk Perceptions and Behavior" (18 citations), she critically examines the disconnect between objective risk and subjective perception, revealing how cognitive biases lead to suboptimal financial choices. This work has become foundational for understanding investor behavior during market turbulence. Beyond this, she has made significant contributions to the study of financial literacy, fintech adoption, and corporate risk management in emerging economies. Her research is widely referenced by policymakers and academics seeking to design more effective financial education programs and regulatory frameworks. As a professor at the University of Latvia, she has also been instrumental in advancing interdisciplinary approaches to risk analysis, earning recognition for her ability to translate complex theoretical models into actionable insights for practitioners. Her ongoing work continues to shape how we understand the human dimensions of financial risk.