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361 articles for “Factors”
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Inflation Anchoring in India
Abstract: Monetary targeting provides a nominal anchor to the economic system. Countries initially used currency pegs as a nominal anchor but faced limitations due to a loss of monetary policy flexibility. Transitioning to flexible exchange rates provided autonomy but required a new anchor. Monetary targeting, linking the money supply to inflation, followed but proved challenging due to changing financial dynamics. As a response, many nations, especially those with flexible rates, embraced …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 104–110 Read article
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A study on consumer satisfaction towards mobile app banking system
Abstract: This executive summary provides an overview of a study. Through this study, we aim to gain insights into consumer perceptions, experiences, and satisfaction levels with mobile app banking systems. By employing rigorous research methodologies, including surveys, interviews, and usability testing, we seek to identify key drivers of satisfaction and areas for improvement. The findings of this study will not only benefit banks and financial institutions in refining their mobile banking …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 124–141 Read article
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CUSTOMER SATISFACTION TOWARDS ATMs AND CDMs SERVICES – A STUDY ON HDFC BANK, HYDERABAD CITY
Abstract: Customer Satisfaction Survey of Housing Development Finance Corporation (HDFC) Automated Teller Machine (ATM) and Cash Deposit Machine (CDM) services in Hyderabad city aims to analyse and evaluate the satisfaction of customers using these services. Through a comprehensive survey, data will be collected from HDFC Bank customers in Hyderabad City to measure their satisfaction with various aspects such as accessibility, convenience, reliability, security, and overall quality of service provided at the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 83–89 Read article
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Exploring the Role of Cognitive Biases in Retirement Savings and Investments in select districts of Telangana
Abstract: Planning a secure retirement requires clear thinking, but our brains have built-in shortcuts called cognitive biases that can lead us to confusion. Overconfidence might make us take on too much risk, while fearing losses could keep us in low-growth investments. We might favour information that confirms our existing beliefs, blindly follow the crowd, or prioritize immediate gratification over long-term savings. This study investigates the influence of cognitive biases and behavioural …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 90–95 Read article
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BUSINESS PERFORMANCE OF THE MSME’s IN SRIKAKULAM DISTRICT OF ANDHRA PRADESH
Abstract: MSMEs, or micro, small, and medium-sized enterprises, are the catalyst for economic expansion that supports fair development. The industry's main benefit is its inexpensive capital cost employment potential. Compared to companies, the MSME sector has a significantly higher labour intensity. Enterprise performance evaluation should consider several kinds of factors, including future potential and social advantages of the company in addition to the financial standing of the marketing at this point …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 59–69 Read article
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Bitcoin Price Prediction Using Machine Learning Algorithm
Abstract: Bitcoin, being one of the top cryptocurrencies, sees its price influenced by market trends and public opinions. This study introduces a prediction model that uses a Random Forest Classifier along with sentiment analysis to forecast Bitcoin prices. Data on Bitcoin’s past and current performance was gathered using the finance library, while sentiment analysis was conducted on news and comments related to Bitcoin, collected through mwclient. The model’s success was measured …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 1–7 Read article
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A study on Financial Inclusion and its impact on business strategy of street vendors in Mumbai city
Abstract: The study examines the influence of financial inclusion on the business strategies of street vendors in Mumbai city. By analyzing factors such as access to credit, adoption of digital payments, and participation in government schemes, the research highlights how financial services enhance business growth. The findings show that vendors with access to financial services experience higher sales, increased customer retention, and improved income stability. Despite these benefits, barriers such as …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 6–12 Read article
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Smart Finance: Leveraging Artificial Intelligence for Data-Driven Business Growth
Abstract: AI (Artificial Intelligence) has been a major factor in changing the financial landscape in recent years. The term "Smart Finance" describes use of AI tools like RPA (robotic process automation), ML (machine learning), natural language processing (NLP) to improve financial decision-making, automate repetitive tasks, and offer more in-depth understanding of how businesses operate. Financial institutions can improve customer service, manage risk better, streamline operations, and spur long-term development with this …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 22–27 Read article
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Understanding Behavioral Finance: Foundations, Biases and Implications
Abstract: Behavioral Finance is a modern approach that explains how people make financial decisions by combining psychology with economics. Unlike traditional finance, which assumes that investors always act rationally, behavioral finance shows that emotions and thinking patterns strongly influence investment behavior. This paper discusses the key ideas and foundations of behavioral finance, including prospect theory which explain how people value gain and loss differently, and various cognitive and emotional biases that …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 73–77 Read article
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Pmjdy and Financial Inclusion in Gujarat: a Conceptual Review of Achievements and Usage Gaps
Abstract: The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship financial inclusion program of the Government of India designed to provide universal access to formal banking services. Since its introduction in 2014, the scheme has recorded remarkable progress in terms of outreach and account penetration, with more than 57 crore bank accounts opened nationwide. Despite this achievement, concerns persist regarding the effective utilization of these accounts. Evidence from official statistics, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Current Financial Scenario of India: a Study
Abstract: India’s current financial scenario reflects a dynamic transformation driven by economic reforms, technological advancement, financial inclusion initiatives, and changing global economic conditions. This study examines the present financial condition of India with special emphasis on financial inclusion, banking expansion, inflation trends, and GDP growth. The research highlights the crucial role played by commercial banks and automated teller machines (ATMs) in improving access to financial services across rural and urban regions. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Enhancing Fairness and Transparency in Deep Learning- Based Stock Market Forecasting
Abstract: Over the past few years, Deep Learning Models have gained prominence as a very effective means of predicting future financial markets because these types of models are capable of identifying and modelling complex non-linear data relationships that may otherwise be missed by human analysts. By analyzing huge amounts (millions of observations) of historic data about the market, the technical indicators and sentiment derived from news articles, social media or analyst …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Role of Marketing Communication in Adoption of Digital Wallets and UPI Apps
Abstract: India’s transition toward a cash-lite economy has been significantly accelerated by the rapid expansion of mobile-based financial technologies, particularly digital wallets and Unified Payments Interface (UPI) applications. However, the widespread adoption of these platforms depends not only on technological accessibility and usability but also on how effectively their benefits, security, and reliability are communicated to users. This study examines the role of marketing communication in influencing the adoption and continued …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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ESG Performance as a Non-Financial Determinant of Corporate Borrowing Cost: Evidence from Indian Listed Companies (2020–2025)
Abstract: This study examines the influence of Environmental, Social, and Governance (ESG) performance on corporate borrowing costs among Indian listed companies during the period 2020–2025. Using a balanced panel dataset of 50 firms across multiple sectors, the research investigates whether stronger ESG practices contribute to lower debt financing costs in an emerging market setting. The study employs advanced econometric techniques, including fixed- effects regression, instrumental variable estimation, and difference-in-differences analysis centered …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Behavioural Finance: An Indian Perspective
Abstract: Conventional finance has long rested on the premise of fully rational agents operating in efficient and frictionless markets, where all available information is instantly reflected in asset prices and investment decisions are made to maximize expected utility. However, a substantial body of empirical evidence has challenged these assumptions, revealing that investors frequently deviate from rational behaviour due to cognitive limitations, emotions, and psychological biases. Behavioural finance emerged as an alternative …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Energy-Efficient Neuromorphic Spiking Neural Networksfor Real-Time Event-Driven Stock Market Prediction: A Systematic Review
Abstract: I believe that neuromorphic computing and financial prediction is now a genuinely exciting, yet under-researched, area of applied machine learning study. The paper presents a systematic literature review of the literature based on energy efficient Spiking Neural Networks (SNNs) in forecasting events-based real-time stock market data. Event based in character Financial time-series data is not continuous in nature, but consists of major discrete events like significant price changes, volume surges, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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A Study on Data privacy towards customer perception in personalized advertising inE-Commerce
Abstract: The rapid growth of e-commerce has increased the use of personalized advertising, where companies collect and analyse customer data to provide customized product recommendations and promotional messages. Although personalized advertising improves customer experience and supports business growth, it has also raised significant concerns regarding data privacy, transparency, and the security of personal information. This study examines the influence of data privacy on customer perception towards personalized advertising in e-commerce platforms. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 54–61 Read article
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Antecedents and Consequences of Financial Literacy in Banking: TheRole of Digital Transformation and Cyber Security Awareness
Abstract: The rapid digitalisation of retail banking has reshaped the way customers acquire financial knowledge and manage risk, making financial literacy both a product of technological change and a driver of safer financial behaviour. This study examines financial literacy as a mediating construct situated between two antecedents – digital transformation (DT) and cyber security awareness (CSA) – and three consequences – digital transaction behaviour (DTB), safe banking practices (SBP), and depositor …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Digital Solutions for Agricultural Insurance and Credit Risk Management
Abstract: This study examines the role of digital solutions in improving agricultural insurance and credit risk management among farmers. Agriculture is affected by various risks such as crop failure, climate change, pest attacks, and financial difficulties. These risks can reduce farmers’ income and create difficulties in repaying agricultural loans. The study focuses on the use of modern technologies such as artificial intelligence, satellite imaging, remote sensing, blockchain, and digital payment systems …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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From Perception to Empirical Association: an Integrated Assessment of Fraud Detection Effectiveness Using Forensicanalytics, Internal Controls, and Continuous Auditing
Abstract: The increasing complexity of financial transactions and the limitations of perception‑based fraud detection studies necessitate empirically grounded frameworks that move beyond subjective assessments. This study advances the literature by examining the associations among data‑driven forensic analytics (DDFA), internal control systems (ICS), continuous auditing (CA), and fraud detection effectiveness (FDE) using an integrated empirical assessment. An integrated model combining these three mechanisms is developed. A quantitative cross‑sectional research design is adopted, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article