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403 articles for “change”
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A Study on Recent Trends in Digital Payment System in India
Abstract: India’s digital payment ecosystem has experienced an unprecedented transformation over the past decade, positioning the country as one of the global leaders in real-time digital transactions. This rapid growth has been primarily driven by the Unified Payments Interface (UPI), strong government initiatives under Digital India, expansion of digital public infrastructure, increasing smartphone penetration, and continuous innovation by fintech companies. My study examines recent trends in India’s digital payment landscape during …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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A Comparative Analysis of Public and Private Mutual Funds: A Study of SBI Mutual Funds and Aditya Birla Sun Life Mutual Funds
Abstract: Performance appraisal of mutual funds operating in the public sector and private sector provides critical insight into how ownership structure, management style, and strategic objectives influence investment outcomes. This paper compares SBI Mutual Fund, which represents the public sector, with Aditya Birla Sun Life Mutual Fund (ABSLMF), which represents the private sector. The key performance indicators that form part of the analysis include risk-adjusted returns, namely Sharpe Ratio, Treynor Ratio, …
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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An Analysis of Fintech App Usage and Its Effect on Mutual Fund Investment Choices in Gujarat: A Review on Literature
Abstract: The rapid growth of Financial Technology (Fintech) has brought notable changes to the financial services sector, especially in the area of investment management. In India, the widespread use of mobile apps and digital platforms has made it easier for individuals to access and invest in mutual funds. This review paper focuses on examining existing studies related to the adoption of Fintech applications and their role in influencing investment behavior. Of …
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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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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The Accuracy Paradox in AI Equity Markets: A Regime-AwareTrading Strategy using XGBoost and Walk-Forward Optimization
Abstract: This study investigates the “Accuracy Paradox” in algorithmic equity trading by examining whether a machine learning model with near-random directional prediction accuracy can still generate profitable trading outcomes when combined with effective risk- management and market-regime rules. An XGBoost classifier was developed and evaluated using approximately six years of daily market data from five major technology stocks—NVIDIA, Apple, Microsoft, Alphabet, and Meta—covering the period from January 2020 to February 2026. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Role of Digital Lending Platforms In Enhancing Access To Formal Credit
Abstract: Digital lending platforms have changed the way people borrow money, making the loan process faster, easier, and more convenient. Instead of visiting banks, filling out many forms, and waiting for approval, people can now apply for loans through mobile apps and websites from anywhere. These platforms have become popular because they save time, require less paperwork, and provide quick access to formal credit. The main purpose of this study is …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Applications and Concepts of Marketing of Services in a Hotel
Abstract: The Hospitality Industry is seemingly the most lucrative business .This is demonstrated by the galactic development rate of the business in Hotel Industry. The tremendous amount of recent developments and changes in the marketing place has made it necessary for a hotel to become more market oriented in offering their services. The aim is to satisfy the need of customers while being able to attain the organizational needs/goals. In this …
Published in NOLEGEIN Journal of Global Marketing · Vol. 2, Issue 1, 2019 · pp. 21–24 Read article
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Biomimicry: A Boon in Pharma Sector
Abstract: Business management is influenced by subjects of many natural and social sciences, a highly interdisciplinary field. Looking from a new angle, there seems to be an increasingly biomimetic influence. Biomimicry is an applied science that examines nature, its models, systems, processes, and elements to emulate or take inspiration from, in order to solve human problems. Mother nature has proven its ability to teach us about systems, materials, processes, structures and …
Published in NOLEGEIN Journal of Global Marketing · Vol. 3, Issue 2, 2020 · pp. 19–25 Read article
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Economic Analysis of Advertising Agency Services
Abstract: We address a longstanding puzzle surrounding the unbundling of services occurring over several decades in the US advertising agency industry: what accounts for the shift from bundling to unbundling of services and the slow pace of change? Using Evans and Salinger’s (2005, 2008) cost-based theory of bundling, we develop a simple model of an agency’s decision to unbundle as a tradeoff between the fixed cost to the advertiser of establishing …
Published in NOLEGEIN Journal of Global Marketing · Vol. 3, Issue 2, 2020 · pp. 26–31 Read article
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Role of Blue Ocean Strategy in Marketing of Mobiles
Abstract: The concept of blue ocean strategy is well defined in the quote blue ocean strategy: “Do not Competewith Rivals-Make Them Irrelevant”. “Blue Ocean Strategy” is considered to be a simultaneouspursuit of low cost and differentiation for creating a new space in the market. A proven and practicalapproach to creating breakthrough business ideas, blue ocean strategy seeks to make the competitionirrelevant by creating a leap in value for both the company …
Published in NOLEGEIN Journal of Global Marketing · Vol. 5, Issue 1, 2022 Read article
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The Impact and Potential of Artificial Intelligence and Machine Learning Technologies on Education
Abstract: How we study, work, and live is changing as a result of artificial intelligence. AIED is one of theburgeoning fields in educational technologies, according to the 21st international conference onartificial intelligence in education conducted in 2020. Computer science (artificial intelligence) hasalways made a significant contribution to the field of education. The study explains how artificialintelligence and machine learning will shape education in both wealthy and developing nations. Thepurpose of this …
Published in NOLEGEIN Journal of Global Marketing · Vol. 6, Issue 1, 2023 · pp. 1–5 Read article
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A Study on Promoting Operational Excellence & Sustainability in Women Entrepreneural Ventures
Abstract: The unique dynamics of today's environment have greatly encouraged women entrepreneurs to focus on delivering unique value-added performance through innovations to boost competitiveness, which is increasingly important for all organizations focused on operational excellence. Like Agile, innovation and a solid strategy to support it allow firms to move from being like their competitors and stay in the centre of the pack to continuously adapting and changing. Developing an innovative attitude …
Published in NOLEGEIN Journal of Global Marketing · Vol. 7, Issue 2, 2024 · pp. 26–31 Read article
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Behavioral Insights into Sustainable Consumer Choices
Abstract: The increasing urgency of addressing environmental challenges has brought consumer behaviours into focus as a critical lever for fostering sustainability. Insights from psychology and behavioural economics shed light on how individuals make choices, often revealing a "value-action gap"—the discrepancy between sustainable intentions and actual behaviours. While many consumers express a preference for eco-friendly products, factors like cost, convenience, and limited information often deter them from making sustainable purchases. One impactful …
Published in NOLEGEIN Journal of Global Marketing · Vol. 8, Issue 1, 2025 · pp. 1–5 Read article
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Evaluating the Value Relevance of Digital Marketing Adaptation to Firm Performance
Abstract: Digital marketing has emerged as a vital tool for businesses looking to improve their overall performance, consumer engagement, and visibility in the current business climate. This study assesses how adopting digital marketing can improve IT consulting organizations' performance. IT consulting firms must adjust digital marketing tactics like social media, search engine optimization (SEO), and online advertising as businesses rely more and more on technology to interact with their clientele in …
Published in NOLEGEIN Journal of Global Marketing · Vol. 8, Issue 1, 2025 · pp. 15–23 Read article
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From Engagement to Loyalty: a Comparative Analysis of Customer Engagement, Experience, Continuance Intention, and Loyalty Towards AI Banking Chatbots Among GEN Z and Millennials in Junagadh and Rajkot Districts of Saurashtra
Abstract: The growing use of Artificial Intelligence (AI) in banking has changed how customers interact with financial services. Banks are now using AI-powered chatbots to provide quick help, make services more efficient, and improve how customers engage. This study looks at customer engagement, experience, intention to continue using these services, and loyalty toward AI banking chatbots among Gen Z and Millennial users in the Junagadh and Rajkot districts of the Saurashtra …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 · pp. 24–37 Read article
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A Study on Customer Buying Behavior and Brand Loyalty with Reference toAutomobile Industry.
Abstract: The automotive sector is highly competitive, making it critical for businesses to understand client purchasing habits and establish strong brand loyalty. This study looks at what influences consumer purchasing decisions and brand loyalty in the automotive sector. The study concentrates on important factors like cost, features and product quality, marketing and promotion, and ease and after-sale support. Using a non-probability sampling technique, a structured questionnaire was used to gather primary …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 Read article
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Factors affecting the work stress levels of the Employees in Public and Private Sector Banks in Tirupur District
Abstract: The Indian banking Industry has witnessed extreme changes facing ever increasing opposition and deregulation, that has pushed the bank employees more towards a hyper stressful and strenuous environment and has been a big contributor in increased anxiety levels in the employees which in turn stunts their productivity and performance. Within the last two decades, many industries have metamorphosed including the banking sector. The researcher has tried to ascertain various factors …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 1, Issue 1, 2018 · pp. 10–15 Read article