Search
53 articles for “Digital banking”
-
The Role of Digital Finance in Knowledge Creation: A Literature Review of Financial Ecosystems
Abstract: Financial ecosystems are undergoing rapid transformation as digital finance reshapes the way data is generated, processed, and converted into actionable knowledge for innovation and strategic decision- making. This literature review examines how emerging digital financial technologies – including FinTech platforms, digital banking systems, mobile payment solutions, artificial intelligence (AI), blockchain applications, and advanced analytics – contribute to knowledge creation within financial networks. The study highlights how digital infrastructures facilitate institutional …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 1, 2026 Read article
-
The Effect of Covid-19 On Indian Banking Sector
Abstract: Covid 19 pandemic which disrupted the Indian banking sector, leading to challenges in asset quality, investment, and overall economic stability. Although the Indian banking sector has been studied,. this report has been written based on many different articles, news which shows major impact on Banking sector performance. Covid 19 pandemic comes with catalyzing unprecedented challenges and adaptations, for example - Operational constraints, heightened nonperforming assets, sluggish credit growth and many. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 98–103 Read article
-
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
-
The Challenges on Enhancing Women’s Financial Inclusion Using Digital Financial Services
Abstract: Any nation's economic development will have reached a major new level if its citizens have adopted digital financial services on a mass scale. Particularly in light of the publication of the covid-19 data, the new diversified banking structure that has been established in India with the intention of using technology to improve financial services for underserved groups, such as small businesses and individuals with low incomes, has been established. The …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 5, Issue 1, 2022 Read article
-
Examining the Literature on E-Banking
Abstract: The banking sector has seen a growth in internationalization, acquisitions, takeovers, and consolidation on a global scale, making it more chaotic and competitive. By offering financial services and goods, several non-banking companies are also making inroads into the banking industry (examples includes the credit card provided by Toyota, GM's vehicle financing, and Merrill Lynch's investments). As a result, consumers today have several options when choosing financial services. Banks, brokerage firms, …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 7, Issue 2, 2024 · pp. 9–13 Read article
-
Cashless Economy: The Future of India
Abstract: Money cannot be king any longer. An economy that doesn’t use cash has all transactions for goods and services done online. Debit and credit cards, card-swipe technology, digital wallets, debit and credit cards, and e-banking are all included (mobile banking or banking through computers). Digital or cashless transactions have the advantages of greater accountability, scalability, and transparency. This research article focuses on the concept of a cashless economy, different types …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 5, Issue 2, 2022 · pp. 38–41 Read article
-
A Comparative Analysis of Indian Currency and Cryptocurrency: The Indian Perspective
Abstract: In today's world, digital currencies have become a significant part of our financial systems. The use of physical currency is gradually decreasing as digital alternatives gain widespread acceptance. Over the years, there has been a shift from paper currency to credit cards, and now to digital payment platforms like UPI, which have transformed the way transactions are conducted. Digital currencies provide an efficient and cashless way to make payments, eliminating …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 7, Issue 2, 2024 · pp. 147–151 Read article
-
Adoption of Unified Payments Interface Among College Students and Educators
Abstract: Digital payment systems play important role in supporting sustainable development. One of the most successful examples in India is the Unified Payments Interface (UPI), introduced by the National Payments Corporation of India in 2016. UPI allows users to make real-time digital transactions through mobile applications and has become one of the most widely used payment systems in India. Currently, Millions of transactions are processed through UPI every month. This study …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 11–18 Read article
-
Assessing the Development, Effectiveness, and Sustainability of SBI in the Post-Epidemic Era
Abstract: This study examines the financial performance of the State Bank of India (SBI) over the recent five‐year period (FY2020–FY2025), focusing on profitability, asset quality, capital adequacy, efficiency, and growth. Using secondary data from SBI’s annual reports and industry publications, key financial ratios are analysed to evaluate trends in Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Non‐Performing Asset (NPA) ratios, Cost‐to‐Income ratio, and other indicators. The …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 17–21 Read article
-
Techno-Legal Governance and Algorithmic Management: AStrategic Framework for Re-engineering Public Administration in Viksit Bharat@2047
Abstract: This empirical study investigates the structural transformation of the Indian public sector as it moves toward the strategic milestone of Viksit Bharat@2047. Aiming for a $30 trillion to $34.7 trillion economy by the centenary of its independence, India is currently undergoing a shift from legacy 19th- century administrative hierarchies to an agile "Algorithmic State." This research utilizes a cross- sectional multi-domain sample (N= 400) across Legal, Administrative, Management, and Policy …
Published in NOLEGEIN Journal of Corporate & Business Laws · Vol. 9, Issue 1, 2026 Read article
-
UPI and the Transformation of India's Digital Economy
Abstract: From a payment innovation, the Unified Payments Interface (UPI) has grown into a crucial pillar of India's quickly developing digital economy. It is important not just for facilitating electronic transfers but also for establishing an interoperable environment where banks, merchants, customers, and IT firms may engage in digital transactions via a shared infrastructure. This shift has been expedited by the expansion of mobile connection, cellphones, bank account penetration, and financial …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 2, 2026 Read article
-
Assessing the Impact of Demonetization on India's Cashless System: A Comparative Study
Abstract: This study compares online and offline banking habits, economic outcomes, and digital transactions to investigate how India's 2016 demonetization affects the nation's transition to a cashless economy. The goal of the abrupt elimination of the ₹500 and ₹1,000 notes was to promote the usage of digital payments and fight black money. The results show a significant increase in digital transaction volumes and quantities after demonetization, indicating enhanced financial inclusion and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 53–58 Read article
-
An Analysis of Cryptocurrency and Its Influence on Conventional Financial System
Abstract: This study explores the growing influence of cryptocurrency on traditional banking systems, focusing on how decentralized digital currencies such as Bitcoin, Ethereum, and Ripple are transforming the financial landscape. The research examines the disruptive impact of cryptocurrency on core banking functions, including fund transfers, lending, and monetary policy execution. The paper offers a sophisticated grasp of the opportunities and difficulties presented by this financial innovation by fusing theoretical analysis with …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 8, Issue 2, 2025 · pp. 6–14 Read article
-
The Role of Digital Transformation in Economics Growth: An Indian Perspective
Abstract: India's economy has benefited greatly from digital transformation, which has transformed important industries like entrepreneurship, banking, governance, and education. The rapid adoption of digital technologies, fuelled by initiatives like Digital India, Aadhaar, the Unified Payments Interface (UPI), and Bharat Net, have enhanced financial inclusion, improved public service delivery, and generated new employment opportunities. Government-led efforts in e-governance and fintech have facilitated economic participation, minimized leakages in welfare schemes, and promoted …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 8, Issue 1, 2025 · pp. 1–5 Read article
-
Digital Lending Partnerships: Onboarding and Evaluation of Partners for Co-Lending
Abstract: The banking and finance industry is undergoing a considerable shift in the current digital era, notably in the lending business. Partnerships are essential for fostering innovation, extending market reach, and improving client experiences as the ecosystem of digital lending changes. In order to work together and deliver extensive lending solutions, digital lending partnerships bring together a variety of organisations, including financial institutions, technology suppliers, fintech startups, and alternative lenders. Digital …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 26–33 Read article
-
A Study on Customer Perception towards Chatbot-unable CustomerServices: An Empirical Study of Service Effectiveness andSatisfaction
Abstract: Chatbots have become an integral part of digital customer service strategies across banking, e-commerce, telecommunications, and hospitality. While organizations increasingly adopt AI-based conversational agents to reduce cost and improve responsiveness, the ultimate success of such systems depends on how customers perceive and accept them. This study examines customer perception towards chatbot-based customer services, with specific objectives of analyzing customer satisfaction, evaluating the effectiveness of chatbots in improving customer experience, and …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 Read article
-
A Study on E-Banking and Traditional Banking Services and Comparison
Abstract: This research work tries to clarify the differences between online and traditional banking. In the modern technological period, human life has gotten a lot easier than it used to be. Everything has been digitized as a result of technological advancements. Banking is also the most important of them all. Within the realm of technology, the financial system has advanced significantly since the 18th century. There are many advantages to technology. …
Published in NOLEGEIN Journal of Financial Planning and Management · pp. 15–22 Read article
-
Domestic Payment Frauds in India (2022–2025): A Quantitative Analysis of Trends, Risk Indicators, and Policy Implications
Abstract: The rapid rise of digital payment systems in India, especially the Unified Payments Interface (UPI), has changed how financial transactions are made by improving convenience, speed, and access for everyone. However, this increase in digital payments has also led to more cyber-related risks, particularly domestic payment fraud. This research aims to look at the patterns and implications of domestic payment fraud in India from September 2022 to March 2025, using …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 6–15 Read article
-
The Indian Financial Institutions—Struggling and Surviving during Economic Turbulence
Abstract: During the last few years, financial institutions like banks and other financial institutions has to come up with various challenges due to the emergence of policies of governments as well drastic changes in the economy. Moreover, the emergence of digitalization is yet another serious concern of financial institutions. Furthermore, the competition in the field of financial sector is a serious concern for many institutions, especially those who maintained a traditional …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 3, Issue 2, 2020 · pp. 42–48 Read article
-
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