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63 articles for “Financial inclusion”
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Decentralized Finance (DeFi) versus Traditional Finance in India: RegulatoryChallenges, Emerging Opportunities, and Security Risk Governance
Abstract: The conventional financial system in India, which oversees assets worth more than ₹220 trillion and provides services to more than 500 million account holders, is facing a new challenge from the fast expansion of blockchain-based decentralised finance (DeFi) protocols. This is an unprecedented turning point in the country's financial ecosystem. There are pressing concerns regarding the regulatory framework, systemic opportunities, and security governance frameworks suitable for India's specific socioeconomic situation …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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A Study on Trade Financing Strategies Practiced in AU Small Finance bank
Abstract: This study examines the trade financing strategies practiced by AU Small Finance Bank, with a particular focus on its role in supporting Micro, Small, and Medium Enterprises (MSMEs). Trade finance plays a critical role in facilitating both domestic and international trade by mitigating risks, ensuring liquidity, and building trust between trading partners. The research adopts an exploratory and descriptive design based on primary data collected during a 45-day internship and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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A Study on Fintech Innovations and Their Impact on Traditional Banking Models in Indian Banking System
Abstract: The rapid growth of innovations in financial technology (Fintech) has intensely shaken traditional banking frameworks globally, with India being a vibrant case study based on its extensive unbanked population, digital infrastructure growth, and accommodating regulation policies. This research paper analyzes the influence of Fintech innovations – digital wallets, peer-to-peer lending platforms, AI-based credit scoring, blockchain-based settlement systems, and open banking APIs – on traditional banks’ business models, customer acquisition strategies, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Evaluating MF Contribution to India's Economic Growth Sector wide
Abstract: The role of microfinance in lending to the poor has been crucial in establishing an inclusive economy through the development of banking services while supporting economic development by creating entrepreneurs with an emphasis on supporting women. The objective of this research paper is to explore the relationship between microfinance loans and GDP for periods between 2016 and 2025 to aid in the development of financially sustainable microfinance systems. Using an …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 9, Issue 1, 2026 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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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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Impact of User Perceptions on Digital Financial Service Usage: Evidence from Rural Households in the Saurashtra Region
Abstract: The rapid expansion of digital financial services (DFS) has improved financial inclusion, particularly in developing economies like India. However, despite better access, their actual use among rural populations remains uneven. This study explores how user perceptions influence the adoption of digital financial services among rural households in the Saurashtra region. Using a quantitative approach, primary data were collected from 275 respondents. The analysis focused on three key perception-based factors—perceived usefulness …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 · pp. 9–23 Read article
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Role of Artificial Intelligence in Inclusive and Digital Lending in India
Abstract: A vast majority of the population, especially the rural and low-income strata of the society, lacks access to credit from financial institutions. Lack of documented income, issues in ascertaining the customer identity and creditworthiness, relatively high distribution, and service cost are barriers to financial inclusion. In the post-COVID era, these customers may further be isolated and deprived of formal credit. Artificial intelligence (AI) offers novel ways of assessing creditworthiness, repayment …
Published in NOLEGEIN Journal of Information Technology & Management 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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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 Study of Gender-Based Differences in Household Finance Decisions and Consumer Behavior
Abstract: This study examines gender-based differences in household financial decision-making and consumer behavior in urban India. Household finance decisions, such as saving, spending, investment, and credit usage, are influenced not only by economic factors but also by behavioral and psychological attributes, which often vary across genders. The study adopts a quantitative and analytical research design based on primary data collected from urban households. A structured questionnaire was used to collect data …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 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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COMPARATIVE STUDY OF CSR OF PUBLIC AND PRIVATE SECTOR BANK (Qualitative)
Abstract: CSR has been a strategic and ethical concern for the Indian banking industry, especially after the Companies Act of 2013 was enacted, which made CSR spending mandatory for eligible companies. The objective of this research, therefore, is to compare the scope, spending patterns, focus areas, and overall effectiveness of the CSR programs undertaken by Indian public and private sector banks. The research investigates some of the top-rated banks in these …
Published in NOLEGEIN Journal of Corporate & Business Laws · Vol. 9, Issue 1, 2026 Read article
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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
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Crypto’s Fund Hub: Crowd Funding Platform Using Blockchain
Abstract: Crowdfunding has emerged as a pivotal mechanism for funding innovative projects and startups, revolutionizing the traditional financing landscape. However, concerns surrounding transparency, security, and trust in crowdfunding platforms persist. In response to these challenges, this research explores the integration of blockchain technology into crowdfunding, presenting a novel approach to enhancing the efficiency and reliability of crowdfunding campaigns. Through a comprehensive investigation, this study demonstrates the potential of blockchain's distributed ledger …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 6, Issue 2, 2023 · pp. 27–33 Read article
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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
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Research interpretation on assimilative functionalism of FDI in Indian Insurance Sector
Abstract: As a largest democracy India is no doubt a developing economic ecology and many economists consider it an attractive hotspot for financially inclusion, in particular generalization specially for rapidly growing and changing insurance market spatial space. Indian insurance industry is one of the sunrise sectors with huge growth potential. Foreign direct investment pivoted deceive functionalistic role in the economic development of the country. However, Foreign Direct Investment (FDI) is injected …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 1, Issue 2, 2018 · pp. 1–6 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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A Study on exploring Consumer Attitudes towards Basic Clothing Pvt Ltd Clothing
Abstract: This study examines the trade financing strategies practiced at AU Small Finance Bank and evaluates their effectiveness in supporting business growth, particularly among Micro, Small, and Medium Enterprises (MSMEs). Trade finance plays a crucial role in facilitating domestic and international trade by reducing payment risks, improving liquidity, and ensuring smooth transaction flows. The research is based on a 45-day internship in the Trade Finance Department, supported by analysis of financial …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 9, Issue 1, 2026 Read article
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Bringing Gender Gaps in Economics Empowerment: Issues, Challenges, and Opportunities for Women
Abstract: This study examines gender inequality and its influence on women’s economic empowerment, highlighting the challenges they encounter and the opportunities available to them across different areas of life. The study addresses the multidimensional barriers women encounter, including educational inequality, labor market discrimination, limited access to financial resources, and sociocultural constraints, which hinder their full participation in economic activities. The primary objective of this paper is to analyze how these factors …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 8, Issue 2, 2025 · pp. 1–12 Read article