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46 articles for “Digital payments”
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Assessing the Role of India Post Payments Bank in Promoting Financial Inclusion: A Study on Customer Satisfaction
Abstract: Financial inclusion remains a critical objective in India’s economic development agenda, particularly in extending formal banking services to rural and underserved populations. India Post Payments Bank (IPPB), launched in 2018 under the Department of Posts, represents a unique institutional model that combines digital banking with an extensive postal network to enhance financial accessibility. This study assesses the role of IPPB in promoting financial inclusion, with a specific focus on customer …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 1, 2026 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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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
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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
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Traffic Offence Reporting System
Abstract: In many regions, the management and documentation of traffic violations continue to rely heavily on manual and paper-based procedures, creating significant operational inefficiencies. When a traffic offense occurs, enforcement officers generally issue a physical challan at the roadside, with violation details recorded manually or entered later into isolated systems. This fragmented approach often results in data duplication, record inconsistencies, delayed updates, and limited coordination across departments. Furthermore, offenders typically lack …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 1, 2026 · pp. 37–44 Read article
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Navigating the Digital Transformation Landscape: An Exploration of India's Financial Sector Evolution, Challenges, and Opportunities
Abstract: The advancement of India's financial sector into the digital realm has been propelled by government initiatives, technological advancements, and shifting consumer preferences. This transition has not only widened access to financial services but has also boosted their efficiency and transparency. Embracing digital financial transactions is crucial for fostering financial inclusivity, convenience, transparency, and economic advancement. Such adoption empowers individuals, reduces expenses, enhances security, and aligns with the government's push for …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 1–8 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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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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Janata Electronic
Abstract: This paper examines the evolution, development, and growing influence of E-commerce websites on global retail markets. Rapid advancements in internet infrastructure, digital payment systems, and data-driven technologies, combined with shifting consumer preferences toward convenience and personalization, have positioned E-commerce platforms at the core of contemporary retail business models. The study explores the technological foundations of E-commerce, including web architectures, cloud computing, and secure transaction systems, which enable scalability and operational …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 1, 2026 Read article
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An Empirical Investigation on Transition from Net banking to UPI payment
Abstract: The study investigates the transition from traditional net banking to the increasingly prevalent Unified Payments Interface (UPI) among Indian consumers. Its goal is to uncover the drivers behind this shift and provide a thorough assessment of the current state of UPI adoption. Through a meticulous examination of existing literature and empirical analysis, the study identifies convenience, security, speed, rewards, and transaction reliability as key factors influencing consumers' preference for UPI …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 7, Issue 2, 2024 · pp. 27–35 Read article
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Consumer Behaviour Towards Online Food Delivery Services: A Study of Rajkot City
Abstract: The rapid expansion of online food delivery services (OFDS) has significantly transformed consumer purchasing behaviour in India, particularly in urban and semi-urban regions. Driven by increasing smartphone penetration, digital payment systems, and evolving lifestyle patterns, platforms such as Swiggy and Zomato have redefined food consumption practices. This research investigates consumer behavior related to online food delivery services in Rajkot city, emphasizing the factors that shape usage habits, customer satisfaction, and …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 9, Issue 02, 2026 Read article
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FinMate: A Cloud-Based AI and Machine Learning Systemfor Smart Finance Management
Abstract: Managing your own money has become a lot harder since the number of digital payments in India has gone up a lot. The most popular tools still rely on fixed keyword heuristics, which means they can't learn, make predictions about the future, or give tax advice. FinMate fixes these problems with a cloud-native microservices platform that combines three machine learning models with a rule-based engine for optimising taxes. An XGBoost …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Effect on EV Charging Infrastructure on Customerpreference Towards EV
Abstract: The rapid growth of electric vehicles (EVs) has increased the importance of developing an efficient and accessible charging infrastructure. the availability of charging stations is one of the important factors that affects customer preference and supports the use of electric vehicles, this study titled "Effect on EV Charging Infrastructure on Customer Preference towards EV" mainly studies how EV charging infrastructure influences customer purchase decision and preference towards electric vehicles in …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 Read article
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Cryptocurrency: The Era of Digital Money
Abstract: The global economy is inexorable moving towards a digital ecosystem. From investment to money transfer, everything is going cashless. Cryptocurrency is the newest and most favourable addition to the digital payment sector. Cryptocurrency is a benchmark in financial technology, and so knowing all about it is very important to stay contemporary.
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 3, Issue 1, 2020 · pp. 18–22 Read article
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Role of Artificial Intelligence in Strengthening Self-Help Groups (SHGs) andMicrofinance Institutions in Rural India: A Systematic Review of Literature
Abstract: India's Self-Help Group (SHG) ecosystem is the largest microfinance model in the world, covering over 17.75 crore households as of March 2024 and representing 83.52% women-only groups. Despite this remarkable scale, SHGs and Microfinance Institutions (MFIs) in rural India continue to grapple with chronic inefficiencies: poor recordkeeping, high loan default rates, geographic exclusion, language barriers, and the persistent gap between savings-linked and credit-linked groups. Artificial Intelligence (AI) has emerged as …
Published in NOLEGEIN Journal of Leadership and Strategic Management · Vol. 9, Issue 2, 2026 Read article
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Innovation-Driven Financial Inclusion as a Catalyst for Sustainable Economic and Social Development
Abstract: A key instrument for advancing sustainable economic and social development is innovation-driven financial inclusion. It entails utilizing technology innovations like digital banking, mobile payment systems, fintech platforms, and data analytics to increase marginalized and underprivileged groups' access to financial services. Innovative financial solutions facilitate access to banking, credit, insurance, and savings facilities for consumers and small enterprises by lowering barriers associated with cost, distance, and documentation. Low-income populations' financial security, …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 Read article
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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
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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
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An analytical study on adoption of digital wallet & its effect on consumer behavior (A research conducted in Delhi-NCR)
Abstract: This study on adoption of digital wallets & it’s the effect on consumer behavior was conducted to determine if and what has been the contribution of digital wallets in a cash-based payment system. Practically, this research will be useful for the business stakeholders of digital wallets who would like to expand the business to earn more market share. Subsequently, he discussed the risks and challenges faced by consumers while using …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 2, Issue 1, 2019 · pp. 1–10 Read article
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Uses of Debit Cards over Cash
Abstract: When it comes to card payments, many people are not comfortable with it, they still have a fear about it. So people generally opt for traditional cash payment system. In fact lack of awareness about usage of debit cards is one of the reason behind this fear. Also the benefits & advantages of debit card payment systems have not reached to many people yet. Debit cards can be considered as …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 2, Issue 1, 2019 · pp. 16–18 Read article