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48 articles for “Payment systems”
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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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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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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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CRM Practices in Commercial Banks – A Study on Bankers Outlook Analysis
Abstract: Nowadays, banking is predominantly a trust-based industry. Because customers trust banks to fulfill their promises, banks are able to control a large amount of their deposits, act as an intermediary, and also make up the payment system. The study will be helpful to the banking sector in comprehending how customers perceive and anticipate the CRM strategies used by the banks. Bankers can also determine how well they are able to …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 7, Issue 1, 2024 · pp. 16–24 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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Employee Satisfaction toward Training and Development Practices in Pharma PSU
Abstract: Organization to survive in this competitive world has to excel their employees’ competencies as well as retain them within the organization. Employee satisfaction and development are the two factors which an organization should take care of. Pharma PSU is a public sector undertaking in Pune, Maharashtra state. With low-cost maintenance, conservation of energy should be maintained in continuous process, which gives hi-tech products keeping in mind the total satisfaction of …
Published in NOLEGEIN Journal of Performance Management & Retention Strategies · Vol. 3, Issue 2, 2020 · pp. 1–10 Read article
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Optimizing Medical Store Procurement Through GeM: Current Practices and Strategic Recommendations
Abstract: The Government e-Marketplace (GeM) was established on August 9, 2016, to serve as a streamlined, transparent, and cos t-effective online platform for public procurement in India. For the healthcare sector, particularly government medical stores, GeM represents a vital tool for ensuring the timely and efficient acquisition of pharmaceuticals and related supplies. By minimizing the human transactional interface, the platform serves as a critical effort to curb corruption. An effort to …
Published in NOLEGEIN Journal of Supply Chain and Logistics Management · Vol. 9, Issue 1, 2026 · pp. 1–7 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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Digital Dimes: Unveiling the Future Landscape of Fintech in
Abstract: Fintech, sometimes known as "Financial Technology," is the term used to describe the application of technology to improve or automate financial services or processes. It includes a quickly expanding sector that offers a variety of services to meet the needs of both businesses and consumers. This paper represents an overview on the rapid digitization, automation, and enhancement of financial services in India. The fintech sector encompasses a wide range of …
Published in NOLEGEIN Journal of Supply Chain and Logistics Management · Vol. 7, Issue 2, 2024 · pp. 8–14 Read article
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A New Era for Instant Billing and Enhance Business- Utilization Billing Software (POS/PMS)
Abstract: Billing Software-Desktop billing software with a companion cloud dashboard and app for food Service Outlets. Different Types of Food Service Customers are using such applications to do their food invoicing, as such restaurant management software automates your operations takes complete care of your business. And since your operations required attention, from receiving orders from menus, and handling bills to receiving payments, the Food Service (Restaurants/QSRs, etc.) POS software is professionally …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 5, Issue 1, 2022 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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Zero-Downtime Modernization of Financial Clearing Engines: A Systematic Review
Abstract: Financial clearing engines underpin global payment networks, securities settlement platforms, and interbank transaction infrastructures, processing trillions of dollars in financial transactions every day. Despite their critical role, many clearing systems continue to operate on legacy monolithic architectures that are difficult to scale, maintain, and modernize without disrupting essential services. This study presents a systematic literature review of 48 primary research studies published between 2015 and 2026, focusing on architectural approaches …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 2, 2026 · pp. 28–43 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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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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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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Performance Management: Taking a Step forward in Managing Employee Performance and Driving Business Results
Abstract: Organizations at present have become very competitive due to the fact that there is no monopoly inthe present market scenario. There are many similar organizations belonging to a particular sectorand some are doing well while others are not. What makes some organizations more successful thanthe others are the employees working in those organizations. The organizations at present havemoved from a traditional performance appraisal system to a more formal performance managementsystem …
Published in NOLEGEIN Journal of Performance Management & Retention Strategies · Vol. 4, Issue 1, 2021 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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Design and Implementation of a Smart Mess Management System Utilizing ArtificialIntelligence, Blockchain, and Biometrics using Machine Learning
Abstract: Messes, which provide communal dining facilities for students and employees in many colleges, universities and business settings, are an important part of the overall infrastructure of these types of facilities. Unfortunately, the manner in which traditional messes rely heavily on manual administrative functions often creates inefficient operationsleading to the frequently experienced problems of inaccurate record-keeping for transactions as well as attendance records, a lack of transparency into financial statements and …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 2, 2026 Read article