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1247 articles for “Psychological, COVID-19, Education system, Online education, Behavioral, Cognitive development.”
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Indian Banking Sector - Issues, Challenges and the Road Ahead
Abstract: In the past three decades Indian banking has faced numerous challenges in the form of technology, product innovation, customer expectations and economic slowdown. Indian banking system has been strong enough to handle the challenges and have certain outstanding achievements, one of its major achievements is its extensive reach and ability to serve the ever growing Indian population. This sector offers numerous amenities and prospects towards the growth of the economy. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 4, Issue 2, 2021 · pp. 23–35 Read article
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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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Auto-Regressive Integrated Moving Average (ARIMA) Model of Technical Analysis – A Study on NSE Nifty 50 Index
Abstract: Technical Analysis tries to estimate the future price of a stock or an index typical based past price action. Essentially technical analysts believe that fundamental view of the organization or the sector is already priced in, and the future prices move in certain patterns based on its own historical behaviour. There is a wide spectrum of techniques and methods in the area of technical analysis, which essentially try to reduce …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 63–73 Read article
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An Empirical Examination of Non-Performing Assets in Public Sector Banks
Abstract: As banks are backbone for Indian economy any concern that effect to the banks can create trouble for the whole economy. And non-performing assets is one of that events that affect the profitability of banks. For financial institutions, especially banks, managing non-performing assets (NPAs) is a major concern that affects both their overall performance and financial health. Because the existence of non-performing assets negatively impacted the banking system's efficiency, attention …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 83–91 Read article
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CUSTOMER SATISFACTION TOWARDS ATMs AND CDMs SERVICES – A STUDY ON HDFC BANK, HYDERABAD CITY
Abstract: Customer Satisfaction Survey of Housing Development Finance Corporation (HDFC) Automated Teller Machine (ATM) and Cash Deposit Machine (CDM) services in Hyderabad city aims to analyse and evaluate the satisfaction of customers using these services. Through a comprehensive survey, data will be collected from HDFC Bank customers in Hyderabad City to measure their satisfaction with various aspects such as accessibility, convenience, reliability, security, and overall quality of service provided at the …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 83–89 Read article
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Strategic Approach to Managing NEW Start- UPS in an Unstable Ecomonic Environment: a Study of Startups in Nigeria
Abstract: The dynamic spark that propels innovation, social progress, and economic change is the startup eco-system. Because they create scalable businesses and pursue audacious ideas and tactics, startups play a significant role in the global economy. But starting a firm is not easy, particularly in an unstable environment with variables like volatility, unpredictability, and complicated rules. This article, which focuses on the Nigerian context, looks at the strategic actions that startups …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 70–77 Read article
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The Evolution of the RBI Governor's Role: A Comparative Analysis Pre- and Post-MPC Constitution
Abstract: The Reserve Bank of India (RBI) has been a cornerstone in India's economic framework since its inception in 1935. The RBI Governor has historically wielded significant autonomous power in shaping monetary policy. This research examines the evolution of the RBI Governor's role before and after the establishment of the Monetary Policy Committee (MPC) in 2016. The MPC was introduced to enhance the transparency, accountability, and credibility of monetary policy decisions …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 78–82 Read article
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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
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Role of Artificial Intelligence in Micro-Financing
Abstract: Artificial Intelligence is the development of human intellect by machines. This is changing quickly and has established itself as one of the technical pillars of the contemporary financial industry. It has been employed more and more in the financial industry over the years since it makes problem-solving easier in all businesses, allows us to save time, and safeguards our savings. It is an essential part of banks and microfinance that …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 34–42 Read article
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Impact of Regulatory Changes on Non-Life Insurance Companies in India
Abstract: The non-life insurance sector in India has undergone significant changes due to evolving regulatory frameworks introduced by the Insurance Regulatory and Development Authority of India (IRDAI) and other governing bodies. These regulatory changes, aimed at improving market efficience, consumer protection, and financial stability, have had a profound impact on the operations, financial strategies, and market positioning of non-life insurance companies. This paper explores the various regulatory reforms, including detariffing, mandatory …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 1–9 Read article
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Strategic Cost Accounting: How Large Corporations Use Costing Methods to Drive Long-Term Decision-Making
Abstract: This study investigates how large corporations strategically utilize cost accounting methods, such as Activity-Based Costing (ABC), Standard Costing, and Job Order Costing, to drive long-term financial decision-making. Using a descriptive and comparative research design, financial data from multinational corporations, including Apple Inc., Walmart Inc., General Motors, Johnson & Johnson, and Boeing Co., were analyzed for the period 2020–2024. The study employs statistical models such as correlation analysis (r = 0.87), …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 1–17 Read article
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A Comparative Analysis of Performance Metrics of India’s Top 5 Public and Private Banks
Abstract: The financial performance of banks is a vital indicator of a country’s economic stability and progress. In India’s rapidly evolving and competitive banking landscape, understanding financial trends and outcomes is essential for evaluating institutional resilience and sector-wide health. This analysis focuses on the financial efficiency of five prominent Indian banks for the period of 2019-2024. Using a descriptive research design, the study assesses key financial ratios including profitability, liquidity, and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 22–29 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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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 Herd Behaviour in Stock Markets and ItsImpact on Market Performance
Abstract: Herd behaviour refers to the natural tendency to imitate the actions of a larger group rather than relying on one’s own judgment. This study aims to explore herd behaviour in stock markets and evaluate its influence on overall market performance from a behavioural finance perspective. Employing a qualitative approach, the research aims to understand herd behaviour, identify key influencing factors, and connect these behavioural patterns to investor decision-making in stock …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 1–9 Read article
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Antecedents and Consequences of Financial Literacy in Banking: TheRole of Digital Transformation and Cyber Security Awareness
Abstract: The rapid digitalisation of retail banking has reshaped the way customers acquire financial knowledge and manage risk, making financial literacy both a product of technological change and a driver of safer financial behaviour. This study examines financial literacy as a mediating construct situated between two antecedents – digital transformation (DT) and cyber security awareness (CSA) – and three consequences – digital transaction behaviour (DTB), safe banking practices (SBP), and depositor …
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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The Accuracy Paradox in AI Equity Markets: A Regime-AwareTrading Strategy using XGBoost and Walk-Forward Optimization
Abstract: This study investigates the “Accuracy Paradox” in algorithmic equity trading by examining whether a machine learning model with near-random directional prediction accuracy can still generate profitable trading outcomes when combined with effective risk- management and market-regime rules. An XGBoost classifier was developed and evaluated using approximately six years of daily market data from five major technology stocks—NVIDIA, Apple, Microsoft, Alphabet, and Meta—covering the period from January 2020 to February 2026. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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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
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Corruption and Entrepreneurship: Convergences and Trajectories on Youth Unemployment
Abstract: This paper analyzed corruption and entrepreneurship in a bid to find the nexus between the two. It is a theoretical survey into the subject matter using, basically, secondary sources of data. The work found that there is actually a link between corruption and entrepreneurship which on its own is a consequence of the effect of corruption as it leads to unemployment. Hence, the paper sought to explain that the failure …
Published in NOLEGEIN Journal of Global Marketing · Vol. 3, Issue 1, 2020 Read article