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73 articles for “Financial decision-making”
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Human–AI Collaboration in Fraud Detection, Risk Scoring, and Compliance Automation in Fintech
Abstract: As artificial intelligence (AI) systems assume increasingly consequential roles in financial fraud detection, risk scoring, and regulatory compliance, the question of how human expertise and machine intelligence are best integrated has become central to both operational effectiveness and ethical governance. Human–AI collaboration in fintech is not a transitional state on the path to full automation; it is a principled design choice that combines the pattern recognition and scalability of machine …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 2, 2026 · pp. 8–16 Read article
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A Comparative Analysis of Risk, Returns, and Investment Preferences
Abstract: This research examines how investors choose between different financial instruments by analysing their investment preferences, perceived risk, and expected returns. The study compares popular options such as equities, mutual funds, fixed deposits, gold, and real estate to determine how factors like age, income level, and financial knowledge influence decision-making. Primary data from surveys and secondary sources were used to identify behavioural trends across diverse investor groups. Results indicate that younger …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 1–5 Read article
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A Study on Evaluation of Mutual Funds and Stock Investments: A Comparative Analysis
Abstract: Investment plays a vital role in achieving long-term financial security and wealth creation. It enables individuals to grow their savings, beat inflation, and meet future financial goals through disciplined planning and informed choices. This study explores the comparative merits and limitations of mutual funds and direct stock investments, two widely used investment avenues among retail investors. With the increasing participation of young and digitally empowered investors, the research focuses on …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 1–9 Read article
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Role of Life Insurance In Personal Financial Planning
Abstract: Life Insurance acts as an important role in personal financial planning by providing financial security, risk protection, long term savings and wealth management opportunities. The study examines the role of life insurance in personal financial planning among policyholders in Chitradurga, it focuses on factors such as awareness of insurance products, policy benefits, premium affordability, access to life insurance services, and tax benefits, and how these factors influence personal financial planning, …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 Read article
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Comparative Ratio Analysis of Bambino Agro Industries Ltd. and Nestle India Ltd.
Abstract: This research report aims to find the best FMCG company out of the two most famous companies in the FMCG sector, i.e., Bambino Agro Industries Ltd and Nestle India Ltd. This can be achieved by comparing the financial performance of both companies over the last four years. The term “analysis of financial statements” or “financial performance” refers to the process of going over and evaluating a company’s financial accounts in …
Published in NOLEGEIN Journal of Performance Management & Retention Strategies · Vol. 5, Issue 2, 2022 · pp. 17–33 Read article
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Study on Financial Analysis Practices at Elaiichiram Foods Industries
Abstract: Financial analysis plays a vital role in evaluating the performance, stability, and growth prospects of an organization. The present study focuses on the financial analysis practices at Elaiichiram Foods Industries, aiming to assess the effectiveness of financial management and decision-making processes within the firm The research examines key financial statements, including the balance sheet, income statement, and cash flow statement, to evaluate the company’s profitability, liquidity, solvency, and operational efficiency. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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A Study on Financial Planning & Its Impact on Investment Decisions of Salaried Women Employees
Abstract: Financial planning is an important part of managing income, savings, and investments, especially for salaried women employees. This study examines the impact of financial planning on the investment decisions of salaried women by analysing factors such as financial literacy, income level, savings habits, work experience, and risk-bearing capacity. The study is based on primary data collected from 107 respondents through a structured questionnaire. The collected data were analysed using percentage …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 9, Issue 2, 2026 Read article
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A Study on Various Variables Associated with Women’s Empowerment
Abstract: Women have a significant impact on the progress and advancement of society, contributing to its advancement and making it more refined and modern. It is indeed true that when a person receives education and empowerment, they accrue individual benefits. However, when a woman is educated and empowered, not only does she benefit, but her entire family and society as well. The primary objective of this paper is to examine the …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 6, Issue 2, 2023 · pp. 30–35 Read article
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Financial Greenprint Sustainable Financial Analysis Context of Hero Motorcorp LTD
Abstract: Sustainable finance is a very important term which needs to be considered in a proper context of firm’s financial performance as well as reporting practices. The paper studies the impact of environmental, social and governance variables on financial performance of Hero Motorcorp. The study is conducted from 2018-19 to 2022-23. The study is conducted using multiple regression analysis. The findings of the study suggest that environmental and social variables have …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 7, Issue 1, 2024 · pp. 16–20 Read article
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An Empirical Examination of Non-Performing Assets in Public Sector Banks
Abstract: As banks are backbone for Indian economy any concern that effect to the banks can create trouble for the whole economy. And non-performing assets is one of that events that affect the profitability of banks. For financial institutions, especially banks, managing non-performing assets (NPAs) is a major concern that affects both their overall performance and financial health. Because the existence of non-performing assets negatively impacted the banking system's efficiency, attention …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 83–91 Read article
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A Study on Role of Commercial Banks in Promoting Entrepreneurship
Abstract: Indian economy is favourable towards the development of entrepreneurship as both central and state governments have initiated a series of entrepreneurial development programs with an aim to generate employment and economic development. The policies such as make in India, made in India, startup India, standup India etc are aiming to help the entrepreneurs in promoting their business. The current study aimed to measure the entrepreneurs’ perception towards the role of …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 7, Issue 2, 2024 · pp. 138–146 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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The Significance of Forensic Accounting in Enhancing Financial Sustainability of Micro, Small, and Medium Enterprises (MSMEs).
Abstract: Micro, small, and medium-sized enterprises (MSMEs) play a pivotal role in economic growth by providing jobs, fostering innovation, and increasing overall GDP, thus contributing to a stronger economy and higher national prosperity. Although, these organizations tend to encounter many challenges related to fraud, fraud framing, and problem, like compliance, which also make their financial sustainability. More so, it can be a Human Resource tool in this regard to provide investigative …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 7, Issue 1, 2024 Read article
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Evaluating Financial Performance: A Comparative Study of Selected Indian IT Companies
Abstract: During the last 20 years, India's IT sector has been vital to the country's progress. It has helped tremendously in giving India a global standing that has improved people's lives by directly or indirectly supporting a wide range of business services, employment, top-notch technology, and a high standard of life. India's information and technology sector has expanded rapidly in recent years which makes it essential to understand how the IT …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 8–16 Read article
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Finance Advisor Using AI: Opportunities, Strategies, and Barriers
Abstract: This study examines the transformative impact of ChatGPT and similar conversational AI systems on the financial services industry. As financial institutions increasingly adopt digital technologies, generative AI tools are reshaping how organizations interact with customers, analyze data, and manage decision-making processes. The research evaluates the applications of ChatGPT across key financial domains, including customer support automation, personalized portfolio guidance, risk assessment, insurance advisory services, and fraud detection. By enabling real-time …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Financial Performance Analysis of HCL and Wipro
Abstract: Ratio analysis is a very quick and popular method of doing financial analysis since a long time. In order to properly utilize funds and analyze the company’s financial condition, liquidity, profitability, risk, solvency, efficiency, and operational effectiveness, this analysis is crucial. For shareholders of the company making investment decisions, it also displays a trend or comparison of financial results. In this project, we have chosen two IT sector companies and …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 6, Issue 1, 2023 · pp. 27–35 Read article
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Credit Card: 2024 Usage
Abstract: This study aims to understand credit card awareness (CCL) and credit card usage behavior (CCUB) in India. A survey was conducted; a survey with 400 respondents who use credit cards in India. The survey used to collect data had three sections: demographics, CCL, and CCUB. To assess CCL, consumers are asked to rate their knowledge of credit card terms and conditions, while CCUB measures using five questions. CCL was found …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 111–117 Read article
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Financial Performance Analysis of Canara Bank
Abstract: This study measures the financial performance of Canara Bank in India from 2012–13 to 2021–22.Hypothesis testing was done in the study with t-test by using SPSS. The banks performance wasefficient using strategic plans. This present study evaluates the bank performance using financialratios. The use of financial ratio analysis to compare the bank's financial situation to previous year'sperformance and helps in decision making of the concern. Descriptive statistics were used in …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 5, Issue 1, 2022 Read article
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A Study on Role of Women Empowerment to Alleviate Poverty
Abstract: Women empowerment includes accepting their point of view to make decisions and to raise their individual status with the help of education, awareness, and training, which can help them compete in society and also improve their lifestyle and quality of life for families and rural communities. Women's education will give them the opportunity to create their own careers while simultaneously building their children’s education to improve their standard of living …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 6, Issue 2, 2023 · pp. 7–10 Read article
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A Comparative Study of the Impact of Behavioural Finance on Equity Investment Decisions: Evidence from Investors in Junagadh and Rajkot
Abstract: This study examines the influence of behavioural finance on equity investment decisions among individual investors in Junagadh and Rajkot. The research is based on primary data collected through structured questionnaires administered to 200 respondents, with an equal representation of 100 investors from each city. The study specifically focuses on key behavioural biases, including overconfidence, familiarity bias, regret aversion, and narrow framing, and further evaluates the impact of demographic factors such …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 · pp. 1–8 Read article