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106 articles for “digital finance”
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A Comparative Analysis of Indian Currency and Cryptocurrency: The Indian Perspective
Abstract: In today's world, digital currencies have become a significant part of our financial systems. The use of physical currency is gradually decreasing as digital alternatives gain widespread acceptance. Over the years, there has been a shift from paper currency to credit cards, and now to digital payment platforms like UPI, which have transformed the way transactions are conducted. Digital currencies provide an efficient and cashless way to make payments, eliminating …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 7, Issue 2, 2024 · pp. 147–151 Read article
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Pmjdy and Financial Inclusion in Gujarat: a Conceptual Review of Achievements and Usage Gaps
Abstract: The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship financial inclusion program of the Government of India designed to provide universal access to formal banking services. Since its introduction in 2014, the scheme has recorded remarkable progress in terms of outreach and account penetration, with more than 57 crore bank accounts opened nationwide. Despite this achievement, concerns persist regarding the effective utilization of these accounts. Evidence from official statistics, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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A Study on Digital Currencies & Blockchain Technologies
Abstract: Digital currencies and blockchain technology have been pivotal topics in recent years, promising to revolutionize numerous industries, particularly finance. This essay provides a comprehensive examination of digital currencies and blockchain technology, outlining their history, mechanisms, applications, challenges, and future prospects. Starting with an exploration of basic concepts, the study traces the historical development of digital currencies from the inception of Bitcoin to the rise of various other cryptocurrencies and stablecoins. …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 7, Issue 2, 2024 · pp. 36–43 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 Financial Inclusion and its impact on business strategy of street vendors in Mumbai city
Abstract: The study examines the influence of financial inclusion on the business strategies of street vendors in Mumbai city. By analyzing factors such as access to credit, adoption of digital payments, and participation in government schemes, the research highlights how financial services enhance business growth. The findings show that vendors with access to financial services experience higher sales, increased customer retention, and improved income stability. Despite these benefits, barriers such as …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 6–12 Read article
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Analysis on Investors Awareness and Perceptions towards Digital Assets in Bangalore City
Abstract: The emergence of digital assets like blockchain technology and cryptocurrencies has drawn a lot of interest lately. The conventional financial sector has been upended by these digital assets, which provide investors with new investing options. This study aims to evaluate Bengaluru city's investor perspective and awareness of digital assets. This research study explores the awareness and perception of investors in Bengaluru City towards digital assets. It delves into existing research …
Published in NOLEGEIN Journal of Global Marketing · Vol. 7, Issue 2, 2024 · pp. 12–18 Read article
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Role of Financial literacy in investment decision making
Abstract: Financial literacy plays an important role in helping individuals understand financial products, manage their money effectively, and make suitable investment decisions. With the increasing availability of investment options such as shares, mutual funds, fixed deposits, insurance, bonds, and digital investment platforms, individuals need adequate financial knowledge to compare different alternatives and select investments according to their financial goals and risk tolerance. This study focuses on examining the role of financial …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 Read article
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An Empirical Investigation on Transition from Net banking to UPI payment
Abstract: The study investigates the transition from traditional net banking to the increasingly prevalent Unified Payments Interface (UPI) among Indian consumers. Its goal is to uncover the drivers behind this shift and provide a thorough assessment of the current state of UPI adoption. Through a meticulous examination of existing literature and empirical analysis, the study identifies convenience, security, speed, rewards, and transaction reliability as key factors influencing consumers' preference for UPI …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 7, Issue 2, 2024 · pp. 27–35 Read article
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Factors Impacting the Uptake of Technology-Driven Solutions to Enhancing the Performance and Financial Management of Construction Projects
Abstract: The performance and financial management of construction works, which is the primary requirement for successful project execution, has been significantly impacted by the information technology revolution, being increasingly intertwined with software solutions and technological advancements. Particularly, the financial management of construction works has undergone significant digitalization with specialized software packages for performing tasks like measurement and data management available. This study investigates the factors impacting the level of usage of …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 8, Issue 1, 2025 · pp. 11–20 Read article
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The Future of Management Accounting: Integrating Artificial Intelligence, Big Data, and Predictive Analytics for Business Optimization
Abstract: This study examines the future of management accounting through the integration of Artificial Intelligence (AI), Big Data, and Predictive Analytics as key drivers of business optimization. The research aims to evaluate how these emerging technologies enhance decision-making efficiency, improve financial forecasting accuracy, and support cost reduction strategies in modern organizations. Adopting a secondary data analysis approach, the study synthesizes global industry reports, empirical studies, and statistical data from 2020 to …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article
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Working Capital Management (WCM): Strategies and Implications for Firm’s Performance
Abstract: This research paper examines the significance of working capital management (WCM) and its impact on firm performance. The efficient management of working capital is crucial for the success and sustainability of businesses, as it directly affects liquidity, profitability, and operational efficiency. The objective of this study is to explore various strategies and techniques employed by firms to effectively manage their working capital and assess their implications on financial performance. The …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 1, 2023 · pp. 13–27 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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Study of financial modelling in Excel, with reference to with Reference to Param Dairy Limited Company
Abstract: This project titled “Study of Financial Modelling in Excel with Reference to Param Dairy Limited” focuses on understanding how Excel-based financial tools are used in real business environments to enhance financial accuracy and decision-making. In today’s data-driven business world, financial modelling has become essential for analyzing performance, forecasting growth, and supporting strategic decisions. The objective of this project is to study the practical applications of Excel in financial analysis, specifically …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 19–32 Read article
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Cryptocurrency: The Era of Digital Money
Abstract: The global economy is inexorable moving towards a digital ecosystem. From investment to money transfer, everything is going cashless. Cryptocurrency is the newest and most favourable addition to the digital payment sector. Cryptocurrency is a benchmark in financial technology, and so knowing all about it is very important to stay contemporary.
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 3, Issue 1, 2020 · pp. 18–22 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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Computerized Accounting System for Small Businesses with Mobile Applications
Abstract: Small and medium-sized enterprises (SMEs) have long been known as important engines of the Indianeconomy. In addition to encouraging private ownership and entrepreneurship, SMEs are flexible andable to quickly adapt to changing market supply and demand. The aim of this study was to show thathow the factors of barrier affected practicing of accounting software system in SMEs of India.Informationalisation is a key strategy for creating modern business systems and improving …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 5, Issue 1, 2022 Read article
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A Review on Business Enterprise Resource Planning (ERP)
Abstract: Enterprise Resource Planning (ERP) systems integrate a business’s core functions, including finance, human resources, supply chain management, manufacturing, and customer relationship management, into a unified platform. By streamlining operations, ERP provides realtime access to critical data, enhancing decision-making and operational efficiency. As organizations accelerate their digital transformation, modern ERP solutions leverage cloud computing, artificial intelligence, and data analytics to improve scalability, flexibility, and security. Despite implementation challenges, ERP systems significantly …
Published in NOLEGEIN Journal of Supply Chain and Logistics Management · Vol. 8, Issue 2, 2025 · pp. 6–12 Read article
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Evasion of Carbon Footprints in Cryptocurrencies and its Prospect Around the Globe
Abstract: The main aim of this study is to determine the evasion of carbon emission in use of cryptocurrency across the world. Stopping global warming caused by humans is crucial if we want to assure a sustainable future. While nations all over the world are actively working toward the sustainability goals, CO2 levels are gradually growing. The annualized energy usage of some crypto assets, like bitcoin, is projected to be comparable …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 6, Issue 1, 2023 · pp. 20–31 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 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