ABOUT ME

Hey, i'm Zoe, aka Pandakat. I started my career in accounting within a large financial institution, where I gained first-hand exposure to how major corporations think about capital, risk, and financial reporting. Working inside that environment sparked something deeper for me — I realised I wasn’t just interested in accounting systems, but in how markets actually function beneath the surface.

I grew up around investing. My father has worked in the markets professionally for many years, and from an early age I was exposed to discussions about risk, cycles, and long-term capital allocation. Over time, I developed my own structured approach to researching companies, technology trends, and macroeconomic shifts.

After several years in finance, I made the decision to focus full-time on market research and financial education content. I realised that many young people are interested in investing but find the space intimidating, inaccessible, or overly technical.

Pandakat Finance was created to change that.

On this channel and website, I break down:

• AI infrastructure and market risk
• Tech earnings and valuation dynamics
• Macro trends and financial plumbing
• The incentives driving major institutions

My goal is simple: make complex financial topics understandable without dumbing them down.

I don’t claim to know everything. I’m constantly learning, refining my frameworks, and analysing new information. This platform is about thinking clearly, questioning narratives, and helping others build confidence in understanding markets — regardless of how small they start.

If you’re interested in AI, markets, and how capital actually moves beneath the headlines, you’re in the right place.