Uma R. Karmarkar

Assistant Professor of Business Administration

Uma Karmarkar is an assistant professor of business administration in the Marketing Unit and teaches the first year marketing course in the required MBA curriculum.

Professor Karmarkar's research examines the neural and psychological factors that underlie consumer decision-making. Some of her recent work targets how timing and/or uncertainty influence perceptions of value. Her findings have been published in the Journal of Consumer Research, Neuron, and Learning and Memory. In addition, her work has attracted coverage by media outlets including Newsweek, Reuters, Scientific American, and The New York Times.

Professor Karmarkar holds two Ph.D. degrees – one in neuroscience from the University of California, Los Angeles, and more recently, another in marketing from the Stanford University Graduate School of Business.

Journal Articles

  1. Cost Conscious? The Neural and Behavioral Impact of Price Primacy on Decision-Making

    Uma R. Karmarkar, Baba Shiv and Brian Knutson

    Price is a key factor in most purchases, but it can be presented at different stages of decision making prior to a purchase. We examine the sequence-dependent effects of price and product information on the decision-making process at both neural and behavioral levels. During functional magnetic resonance imaging, the price of a product was shown to participants either before or after the product itself was presented. Early exposure to price, or price primacy, altered the process of valuation, as seen via altered patterns of activity in medial prefrontal cortex immediately prior to purchase decisions. Specifically, whereas viewing products first resulted in evaluations strongly related to products' attractiveness or desirability, viewing prices first appeared to promote overall evaluations related to products' monetary worth. Consistent with this framework, we show that price primacy can increase purchase of bargain priced products when their worth is easily recognized. Together, these results suggest that price primacy highlights considerations of product worth and can thereby influence purchasing.

    Keywords: consumer behavior; price; fMRI; value; retail promotion; purchase decisions; Price; Value; Decision Choices and Conditions; Consumer Behavior; Product Marketing; Retail Industry;


    Karmarkar, Uma R., Baba Shiv, and Brian Knutson. "Cost Conscious? The Neural and Behavioral Impact of Price Primacy on Decision-Making." Journal of Marketing Research (JMR) (forthcoming). View Details
  2. Advancing Consumer Neuroscience

    Ale Smidts, Ming Hsu, Alan G. Sanfey, Maarten A. S. Boksem, Richard B. Ebstein, Scott A. Huettel, Joe W. Kable, Uma R. Karmarkar, Shinobu Kitayama, Brian Knutson, Israel Liberzon, Terry Lohrenz, Mirre Stallen and Carolyn Yoon

    In the first decade of consumer neuroscience, strong progress has been made in understanding how neuroscience can inform consumer decision making. Here, we sketch the development of this discipline and compare it to that of the adjacent field of neuroeconomics. We describe three new frontiers for ongoing progress at both theoretical and applied levels. First, the field will broaden its boundaries to include genetics and molecular neuroscience, each of which will provide important new insights into individual differences in decision making. Second, recent advances in computational methods will improve the accuracy and out-of-sample generalizability of predicting decisions from brain activity. Third, sophisticated meta-analyses will help consumer neuroscientists to synthesize the growing body of knowledge, providing evidence for consistency and specificity of brain activations and their reliability as measurements of consumer behavior.

    Keywords: Consumer neuroscience; Neuroeconomics; Social neuroscience; Genes; Machine learning; Meta-analysis; Consumer Behavior; Decision Making; Science;


    Smidts, Ale, Ming Hsu, Alan G. Sanfey, Maarten A. S. Boksem, Richard B. Ebstein, Scott A. Huettel, Joe W. Kable, et al. "Advancing Consumer Neuroscience." Marketing Letters 25, no. 3 (September 2014): 257–267. View Details
  3. Believe Me, I Have No Idea What I Am Talking About: The Effects of Source Certainty on Consumer Involvement and Persuasion

    Uma R. Karmarkar and Zakary L. Tormala

    This research explores the effect of source certainty-that is, the level of certainty expressed by a message source-on persuasion. The authors propose an incongruity hypothesis, suggesting that source certainty effects depend on perceived source expertise. In three experiments, consumers receive persuasive messages from sources of varying expertise and certainty. Across studies, low expertise sources violate expectancies, stimulate involvement, and promote persuasion when they express certainty, whereas high expertise sources violate expectancies, stimulate involvement, and promote persuasion when they express uncertainty. Thus, nonexpert (expert) sources can gain interest and influence by expressing certainty (uncertainty).

    Keywords: Research; Experience and Expertise; Risk and Uncertainty; Consumer Behavior; Performance Expectations; Interests; Power and Influence;


    Karmarkar, Uma R., and Zakary L. Tormala. "Believe Me, I Have No Idea What I Am Talking About: The Effects of Source Certainty on Consumer Involvement and Persuasion." Journal of Consumer Research 36, no. 6 (April 2010): 1033–1049. View Details
  4. Evaluating Dedicated and Intrinsic Models of Temporal Encoding by Varying Context

    Rebecca M.C. Spencer, Uma Karmarkar and Richard B. Ivry


    Spencer, Rebecca M.C., Uma Karmarkar, and Richard B. Ivry. "Evaluating Dedicated and Intrinsic Models of Temporal Encoding by Varying Context." Philosophical Transactions of the Royal Society of London, Series A, Physical Sciences and Engineering 364 (2009): 1853–1863. View Details

Book Chapters

  1. Appetite, Consumption, and Choice in the Human Brain

    Brian Knutson and Uma R. Karmarkar

    Although linked, researchers have long distinguished appetitive from consummatory phases of reward processing. Recent improvements in the spatial and temporal resolution of neuroimaging techniques have allowed researchers to separately visualize different stages of reward processing in humans. These techniques have revealed that evolutionarily conserved circuits related to affect generate distinguishable appetitive and consummatory signals, and that these signals can be used to predict choice and subsequent consumption. Review of the literature surprisingly suggests that appetitive rather than consummatory activity may best predict future choice and consumption. These findings imply that distinguishing appetite from consumption may improve predictions of future choice and illuminate neural components that support the process of decision making.


    Knutson, Brian, and Uma R. Karmarkar. "Appetite, Consumption, and Choice in the Human Brain." Chap. 9 in The Interdisciplinary Science of Consumption, edited by Stephanie D. Preston, Morten L. Kringelbach, and Brian Knutson, 163–184. Cambridge, MA: MIT Press, 2014. View Details
  2. Customer Experience and Service Design

    Uday Karmarkar and Uma R. Karmarkar

    While services already dominate economic activity in all major economies in the world, there has been curiously little investigation into many aspects of service management. For example, while product design and development have received a great deal of attention, the subject of service design has not been very visible in the research literature. There are many individual designers and design firms famous for their contributions to product design, but the same cannot be said for services. Undoubtedly many examples of outstanding service design exist, and we will mention some later in this work. But recognition of service design as a discipline, as a management function, or a job description still seems to be rare.

    Keywords: Design; Service Operations; Service Industry;


    Karmarkar, Uday, and Uma R. Karmarkar. "Customer Experience and Service Design." Chap. 7 in Managing Consumer Services: Factory or Theater? edited by Enzo Baglieri and Uday Karmarkar, 109–130. Springer, 2014. View Details

Cases and Teaching Materials

  1. Note on Neuromarketing

    Uma R. Karmarkar

    This note provides some general perspective on the neuromarketing field, with a discussion of both current practices and future directions.

    Keywords: Forecasting and Prediction; Information; Marketing; Marketing Communications; Perspective; Technology;


    Karmarkar, Uma R. "Note on Neuromarketing." Harvard Business School Background Note 512-031, September 2011. (Revised December 2011.) View Details

Working Papers

  1. BYOB: How Bringing Your Own Shopping Bags Leads to Treating Yourself, and the Environment

    Uma R. Karmarkar and Bryan Bollinger

    As concerns about pollution and climate change have become more central in public discourse, shopping with reusable grocery bags has been strongly promoted as environmentally and socially conscious. In parallel, firms have joined policy makers in using a variety of initiatives to reduce the use of plastic bags. However, little is known about how these initiatives might alter consumers' in-store behavior. Using scanner panel data from a single California location of a major grocery chain, and completely controlling for consumer heterogeneity, we demonstrate that bringing your own bags simultaneously increases purchases of environmentally friendly as well as indulgent (hedonic) items. We use experimental methods to further demonstrate causality and to consider the effects of potential moderators. These findings have implications for decisions related to product pricing, placement and assortment, store layout, and the choice of strategies to increase the use of reusable bags.

    Keywords: grocery shopping; reusable bags; licensing; priming; goals; hedonic; Motivation and Incentives; Consumer Behavior; Attitudes; Environmental Sustainability;


    Karmarkar, Uma R., and Bryan Bollinger. "BYOB: How Bringing Your Own Shopping Bags Leads to Treating Yourself, and the Environment." Harvard Business School Working Paper, No. 14-065, January 2014. (Revised December 2014.) View Details