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30 articles for “FinTech”
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Investigating The Role of Trust and Behavioral Barriers in Shaping Investor’s Decision to Delegate Portfolio Management to AI-Driven Robo-Advisors
Abstract: AI-based Robo-advisors have emerged at a striking pace across the Indian financial landscape, with disciplined, low-cost investment management options increasingly becoming accessible to a diverse retail investor market. Yet the decision to relinquish portfolio management to these algorithms is one substantial psychological hurdle that many still face. This paper aims to assess the role of trust dimensions and behavioral obstacles in adopting Robo-advisory services among Indian investors. Using secondary data …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 9, Issue 1, 2026 · pp. 1–9 Read article
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From Influence to Action: The Role of Investment Influencers in Student Financial Education
Abstract: The financial education system which existing today has experienced major changes because social media platforms expanded their user base at an unprecedented rate. The emergence of investment influencers who people refer to as “finfluencers” has transformed financial information dissemination through platforms like YouTube and Instagram and Twitter. The study investigates how these influencers affect financial education and literacy development in Indian college students. The research team gathered primary data from …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 9, Issue 1, 2026 · pp. 10–16 Read article
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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
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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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Digital Payment Adoption in India: A UTAUT2-Based Analysis of Facilitators and Inhibitors
Abstract: The rapid expansion of digital payment systems in India has created a paradox characterized by extensive technological availability alongside uneven user adoption. Although digital payments offer significant advantages, such as convenience, speed, transparency, and enhanced financial inclusion, behavioral resistance continues to limit their widespread acceptance. Concerns related to usability, trust, and perceived value often influence individuals’ decisions to adopt such technologies. In thiscontext, the present study extends the Unified Theory …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 1, 2026 · pp. 25–35 Read article
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Strategic Approach to Managing NEW Start- UPS in an Unstable Ecomonic Environment: a Study of Startups in Nigeria
Abstract: The dynamic spark that propels innovation, social progress, and economic change is the startup eco-system. Because they create scalable businesses and pursue audacious ideas and tactics, startups play a significant role in the global economy. But starting a firm is not easy, particularly in an unstable environment with variables like volatility, unpredictability, and complicated rules. This article, which focuses on the Nigerian context, looks at the strategic actions that startups …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 70–77 Read article
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Alternative Financing: The Role of Crowdfunding, Islamic Finance, and Venture Capital in Innovation
Abstract: This paper explores the evolving landscape of alternative financing by examining three innovative models: crowdfunding, Islamic finance, and venture capital. Each model addresses unique gaps in the traditional financial ecosystem and plays a distinct role in supporting innovation and entrepreneurship. Crowdfunding democratizes access to capital, enabling startups and creative ventures to raise funds directly from a broad base of backers, often through digital platforms. Islamic finance offers an ethical, interest-free …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 28–34 Read article
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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
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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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AI-Assisted Personal Finance Management System with Real-Time Budget Alerts and Smart Expense Categorization
Abstract: This study presents the design and conceptual development of an AI-assisted Personal Finance Management System (PFMS) that integrates artificial intelligence, machine learning, and behavioral finance principles to enhance individual financial decision-making. The proposed system aims to address limitations of traditional financial tracking tools by incorporating real-time budget alerts, intelligent expense categorization, and predictive analytics to deliver personalized financial insights. By leveraging Natural Language Processing (NLP) and pattern recognition techniques, the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article