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148 articles for “Accounting”
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Cashless Economy: The Future of India
Abstract: Money cannot be king any longer. An economy that doesn’t use cash has all transactions for goods and services done online. Debit and credit cards, card-swipe technology, digital wallets, debit and credit cards, and e-banking are all included (mobile banking or banking through computers). Digital or cashless transactions have the advantages of greater accountability, scalability, and transparency. This research article focuses on the concept of a cashless economy, different types …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 5, Issue 2, 2022 · pp. 38–41 Read article
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Financial Projection as a Planning Tool on Construction Projects: Cash Flow Analysis and S-Curve Valuation for a Residential Development Scheme
Abstract: The adequacy of financial control in a construction firm signifies a hallmark of its ability to avert failure. A construction firm’s financial standing is, however, an agglomeration of its cash flow management at the project level. Cash inflows and outflows are the core financial management elements on construction projects, needed to ensure sufficient liquidity that is necessary to keep the project running. Cash flow analysis and valuation for a project …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 1, 2023 · pp. 60–66 Read article
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Parameterizing Credit Risk Management System in Commercial Banks of India
Abstract: Credit risk is the possibility that a financial institution may lose money if a borrower's circumstances worsen to the degree where an asset's value (including off-balance-sheet assets) is reduced or eliminated. The goal of this work is to make clear the challenges caused by past-due loans so that they can be utilized as a further tool to comprehend the elements of commercial banks' (CBs') credit risk management (CRM) systems in …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 2, 2023 · pp. 1–7 Read article
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An Analysis & Study on NPA of Idbi Bank & Canara Bank
Abstract: The worldwide economy is managing various complex issues, including bank and monetary establishment disappointments, obligation emergencies in significant economies all over the planet, and the eurozone emergency. In the ongoing circumstance, nonperforming resources (NPAs) lie at the core of the banks' monetary issues. To support recovery execution, substantial advances should be made. There are basically two kinds of activities that should be led. Banks ought to attempt to keep new …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 118–122 Read article
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Performance evaluation of distinct Categories of Mutual Funds
Abstract: A mutual fund is only such an investment which is offering diverse types of products which could satisfy all the kinds of investors based on the risk and return level. For creating more wealth, it is especially important that investors in India prefer not only the traditional investment options like fixed deposit savings account etc. They should move ahead towards Mutual Funds, which is offering many products which are based …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 33–46 Read article
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An Overview on Digitalisation & Financial Inclusion of Self-Help Groups in India
Abstract: Digitalization empowers money related consideration by conveying cost-saving money related administrations inside a shorter period by employing an advanced stage to get to manage an account and budgetary services. The present article could be a basic survey as well as a quantitative inquire about plan. It decides how digitalization is playing a part of catalyst in empowering SHGs to perform better way. The widespread lack of funding available at the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 47–52 Read article
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AI in Finance: Fraud Detection and Risk Assessment
Abstract: Artificial Intelligence (AI) is changing how the financial world spots scams and handles risks. It acts like a super-smart helper, catching trouble fast—whether it’s crooks stealing money or loans going sour. This paper explores how AI helps banks and companies stay safe, digs into what experts have learned, and look at what’s coming next. We also ask a big question to guide future work, all in simple words anyone can …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 45–50 Read article
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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
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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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A Comparative Analysis of Public and Private Mutual Funds: A Study of SBI Mutual Funds and Aditya Birla Sun Life Mutual Funds
Abstract: Performance appraisal of mutual funds operating in the public sector and private sector provides critical insight into how ownership structure, management style, and strategic objectives influence investment outcomes. This paper compares SBI Mutual Fund, which represents the public sector, with Aditya Birla Sun Life Mutual Fund (ABSLMF), which represents the private sector. The key performance indicators that form part of the analysis include risk-adjusted returns, namely Sharpe Ratio, Treynor Ratio, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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AI-Assisted Personal Finance Management System with Real-Time Budget Alerts and Smart Expense Categorization
Abstract: This study presents the design and conceptual development of an AI-assisted Personal Finance Management System (PFMS) that integrates artificial intelligence, machine learning, and behavioral finance principles to enhance individual financial decision-making. The proposed system aims to address limitations of traditional financial tracking tools by incorporating real-time budget alerts, intelligent expense categorization, and predictive analytics to deliver personalized financial insights. By leveraging Natural Language Processing (NLP) and pattern recognition techniques, the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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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
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Behavioural Finance: An Indian Perspective
Abstract: Conventional finance has long rested on the premise of fully rational agents operating in efficient and frictionless markets, where all available information is instantly reflected in asset prices and investment decisions are made to maximize expected utility. However, a substantial body of empirical evidence has challenged these assumptions, revealing that investors frequently deviate from rational behaviour due to cognitive limitations, emotions, and psychological biases. Behavioural finance emerged as an alternative …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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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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From Perception to Prediction? a Cross‑sectionalsurvey of 120 Finance Professionals with Fulldiagnostic Checks
Abstract: Purpose: Perception‑based surveys are common in forensic accounting research but are often criticised for lacking methodological rigor, particularly regarding common method bias, multicollinearity, and discriminant validity. This study addresses these criticisms by presenting a cross‑sectional survey of 120 finance and audit professionals that implements and transparently reports a comprehensive suite of diagnostic checks – including Harman’s single‑factor test, full collinearity VIF, confirmatory factor analysis (CFA), average variance extracted (AVE), composite …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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Brand popularity among consumers
Abstract: Brand desire is a quintessential step toward grasp purchaser preference behavior, to which buys consequently pay attention to. Brand preferences divulge the type of attributes that a company has to strengthen its role and increase its market share. It also forms a critical center in creating the profitable company method of an organization and offers perception into the development of the product. However, from a bundle of attributes to experiences, …
Published in NOLEGEIN Journal of Global Marketing · Vol. 2, Issue 1, 2019 · pp. 1–5 Read article
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Economic Analysis of Advertising Agency Services
Abstract: We address a longstanding puzzle surrounding the unbundling of services occurring over several decades in the US advertising agency industry: what accounts for the shift from bundling to unbundling of services and the slow pace of change? Using Evans and Salinger’s (2005, 2008) cost-based theory of bundling, we develop a simple model of an agency’s decision to unbundle as a tradeoff between the fixed cost to the advertiser of establishing …
Published in NOLEGEIN Journal of Global Marketing · Vol. 3, Issue 2, 2020 · pp. 26–31 Read article
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Retail Sector in India: Challenges Ahead—A Conceptual Study
Abstract: Retailing includes all the activities involved in selling goods or services directly to final consumersfor personal, Nonbusiness use. Retailing in India is one of the pillars of its economy and accounts for14 to 15 percent of its gross domestic product (GDP). This paper provides full information aboutretailing industry in India. Need of this study has been created to study the meaning; importance; andchallenges of Indian retailing. Research methodology used in …
Published in NOLEGEIN Journal of Global Marketing · Vol. 4, Issue 1, 2021 Read article
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Behavioral Insights into Sustainable Consumer Choices
Abstract: The increasing urgency of addressing environmental challenges has brought consumer behaviours into focus as a critical lever for fostering sustainability. Insights from psychology and behavioural economics shed light on how individuals make choices, often revealing a "value-action gap"—the discrepancy between sustainable intentions and actual behaviours. While many consumers express a preference for eco-friendly products, factors like cost, convenience, and limited information often deter them from making sustainable purchases. One impactful …
Published in NOLEGEIN Journal of Global Marketing · Vol. 8, Issue 1, 2025 · pp. 1–5 Read article
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Manpower Planning and Balance: Concepts and Issues
Abstract: While strides have been made in the practice of resource planning world-wide, human resource planning in most countries has been poorly conceptualised, intermittent, varying in quality, profession specific in nature, and without adequate vision or data upon which to base sound decisions. If done properly and together, service planning and human resource planning can become an integrated human resource development process. This paper analyse manpower economics in general and manpower …
Published in NOLEGEIN Journal of Human Resource Management & Development · Vol. 2, Issue 2, 2019 · pp. 19–31 Read article