Search
106 articles for “digital finance”
-
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
-
Growth of Digital Wallets in India: Opportunities and Challenges for Business
Abstract: The rapid growth of digital wallets has become one of the most significant developments in India’s evolving digital financial ecosystem. Supported by technological advancements, widespread smartphone adoption, affordable internet connectivity, and proactive government initiatives such as Digital India and Unified Payments Interface (UPI), digital wallets have transformed the way financial transactions are conducted across the country. This study examines the growth of digital wallets in India and evaluates the opportunities …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
A Study on Recent Trends in Digital Payment System in India
Abstract: India’s digital payment ecosystem has experienced an unprecedented transformation over the past decade, positioning the country as one of the global leaders in real-time digital transactions. This rapid growth has been primarily driven by the Unified Payments Interface (UPI), strong government initiatives under Digital India, expansion of digital public infrastructure, increasing smartphone penetration, and continuous innovation by fintech companies. My study examines recent trends in India’s digital payment landscape during …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
-
An Analysis of Fintech App Usage and Its Effect on Mutual Fund Investment Choices in Gujarat: A Review on Literature
Abstract: The rapid growth of Financial Technology (Fintech) has brought notable changes to the financial services sector, especially in the area of investment management. In India, the widespread use of mobile apps and digital platforms has made it easier for individuals to access and invest in mutual funds. This review paper focuses on examining existing studies related to the adoption of Fintech applications and their role in influencing investment behavior. Of …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
-
A Data-Driven Study of Financial Inclusion Initiatives and Inclusive Development
Abstract: Financial literacy and inclusion are said to be crucial pillars of robust economy. Financial inclusion emphasizes on expansion of financial services to people belonging to different classes. Financial inclusion has resulted in expansion of financial services to people belonging to different classes and financial literacy works for generating demand for services that are a part of demand side. Financial inclusion provides information to people about financial services and they even …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 1–10 Read article
-
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
-
A Study on Assessing the Effectiveness of Indian Post Payments Bank in Expanding Financial Inculsion Among Rural Area
Abstract: Financial inclusion remains a critical driver of equitable economic development in India, particularly in rural areas where access to formal banking services has historically been limited. This study examines the effectiveness of India Post Payments Bank (IPPB) in expanding financial inclusion among rural populations by leveraging the extensive postal network and digital banking infrastructure. Established to bridge the last-mile connectivity gap, IPPB delivers doorstep banking services through postmen and Gramin …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article
-
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
-
The Indian Financial Institutions—Struggling and Surviving during Economic Turbulence
Abstract: During the last few years, financial institutions like banks and other financial institutions has to come up with various challenges due to the emergence of policies of governments as well drastic changes in the economy. Moreover, the emergence of digitalization is yet another serious concern of financial institutions. Furthermore, the competition in the field of financial sector is a serious concern for many institutions, especially those who maintained a traditional …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 3, Issue 2, 2020 · pp. 42–48 Read article
-
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
-
A Study on the Influence of Cybersecurity Threats and Risk On the Adoption and Growth of Digital Banking
Abstract: Digital banking has grown into an essential part of the modern financial system by providing convenient, fast, and accessible digital financial services. such as mobile applications and online banking systems. The rapid growth of digital banking is supported by advancements in technological along with increased mobile internet accessibility, and the Demand for cashless financial services. However, the increasing use of digital banking has also resulted in cybersecurity challenges such as …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 2, 2026 Read article
-
Guardians of the Vault: A Comprehensive Analysis of Cybersecurity Measures in the Financial Sector
Abstract: The digital era has brought about unparalleled convenience and efficiency in the quickly changing financial services market, but it is not without inherent concerns. Under the heading “Guardians of the Vault: A Comprehensive Analysis of Cybersecurity Measures in the Financial Sector,” this research paper explores the crucial topic of cybersecurity in the financial sector. The goal of the study is to give a comprehensive analysis of the tactics and safeguards …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 7, Issue 1, 2024 · pp. 21–25 Read article
-
Critical Analysis of Online Fraud Prevention and Legal Frameworks inIndia: A Meta-Analytic Review
Abstract: Increased digitalization of the financial and government systems in India means that there is an augmented prospect of online frauds, therefore making it a challenge that needs integrated efforts with superior technologies and solid legal frameworks. This meta- analytic review critically looks into the amalgamation of emergent aspects of artificial intelligence, deep learning, and biometric authentication with the emerging legal aspects of fraud prevention in the Indian situation. Biometric systems, …
Published in NOLEGEIN Journal of Corporate & Business Laws · Vol. 9, Issue 2, 2026 · pp. 12–21 Read article
-
Role of Digital Lending Platforms In Enhancing Access To Formal Credit
Abstract: Digital lending platforms have changed the way people borrow money, making the loan process faster, easier, and more convenient. Instead of visiting banks, filling out many forms, and waiting for approval, people can now apply for loans through mobile apps and websites from anywhere. These platforms have become popular because they save time, require less paperwork, and provide quick access to formal credit. The main purpose of this study is …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
-
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
-
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
-
Legal Framework in Deep Diving into Financial Frauds via Ad Click, Credit Card Management and Document Dispensation in E-commerce Transactions
Abstract: The financial industry is at a critical juncture with unheard-of potential and threats as it charts its course into a digital future. The advent of machine learning (ML) and artificial intelligence (AI) represents a paradigm change, offering a potent toolkit to bolster defences against more elusive and pernicious financial scams. In order to understand the dynamics of these frauds, pinpoint the weaknesses that allow them to spread, and clarify the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 28–33 Read article
-
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
-
Data Analytics First, Controls Second, Auditing Third: Ranking the Relative Strength of Three Fraud Detection Mechanisms
Abstract: Purpose: In the era of digital finance, organizations deploy multiple mechanisms to combat fraud, including Data-Driven Forensic Analytics (DDFA), Internal Control Integrity (ICI), and Continuous Auditing Systems (CAS). However, practitioners often struggle with resource allocation, unsure which mechanism yields the highest return on investment. This study addresses this gap by empirically ranking the relative strength of these three predictors in explaining Fraud Detection Effectiveness (FDE). Design/methodology/approach: The study synthesizes empirical …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 9, Issue 2, 2026 Read article
-
Effect of Artificial Intelligence (AI) on Financial Management: A Review
Abstract: Financial decision-making methods, predictive analysis, and risk management are the focal points of this study's examination of artificial intelligence's (AI) impact on financial control. This research uses a systematic literature review approach to look at the major shifts that have occurred because of AI's implementation in the banking industry, namely in terms of operational performance, financial decision-making, and customer experience. While there are clear benefits to using AI in financial …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 1–7 Read article