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232 articles for “Framework”
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BSE Sensex and BSE Auto Index Analysis Study
Abstract: This study explores the BSE Sensex and BSE Auto Index within the framework of capital markets. Capital markets, defined as long-term debt and equity securities trading platforms, are critical for directing wealth towards productive use. Regulatory bodies like SEBI, BoE, and SEC oversee these markets, safeguarding investors. Transactions are managed by financial institutions, yet public access exists, fostering a diverse ecosystem. Primary markets involve fresh securities issuance, with governments and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 6, Issue 2, 2023 · pp. 32–62 Read article
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Inflation Anchoring in India
Abstract: Monetary targeting provides a nominal anchor to the economic system. Countries initially used currency pegs as a nominal anchor but faced limitations due to a loss of monetary policy flexibility. Transitioning to flexible exchange rates provided autonomy but required a new anchor. Monetary targeting, linking the money supply to inflation, followed but proved challenging due to changing financial dynamics. As a response, many nations, especially those with flexible rates, embraced …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 104–110 Read article
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Infrastructure and Development in Nigeria: The Financing Implications of Budget Deficits for Economic Productivity
Abstract: A consensus of opinions from the scholarly literature reiterates that the major cause for the buildup of external and domestic debt, by low-developed Developed Countries (LDCs), is the financing burden arising from public expenditure, which is associated with fiscal deficit. In Nigeria, the provision of infrastructure, such as in the area of transportation via road construction, airways and waterways, via the financing of budget deficits, however, has implications for productivity. …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 1, 2024 · pp. 105–116 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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Performance Analysis of Selected Private and Public Indian Banks by Using the Camel Model
Abstract: A performance review of the banking industry is a trustworthy indication and metric that can be used by any nation to assess the soundness of its economic activities. The banking industry in India has been expanding at the same rate as the global banking industry. In addition to facilitating monetary policy, the banking industry supports capital formation, innovation, and monetization. The current study explains how to use the CAMEL APPROACH …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 10–21 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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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
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Assessing the Development, Effectiveness, and Sustainability of SBI in the Post-Epidemic Era
Abstract: This study examines the financial performance of the State Bank of India (SBI) over the recent five‐year period (FY2020–FY2025), focusing on profitability, asset quality, capital adequacy, efficiency, and growth. Using secondary data from SBI’s annual reports and industry publications, key financial ratios are analysed to evaluate trends in Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), Non‐Performing Asset (NPA) ratios, Cost‐to‐Income ratio, and other indicators. The …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 2, 2025 · pp. 17–21 Read article
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A Study on Fintech Innovations and Their Impact on Traditional Banking Models in Indian Banking System
Abstract: The rapid growth of innovations in financial technology (Fintech) has intensely shaken traditional banking frameworks globally, with India being a vibrant case study based on its extensive unbanked population, digital infrastructure growth, and accommodating regulation policies. This research paper analyzes the influence of Fintech innovations – digital wallets, peer-to-peer lending platforms, AI-based credit scoring, blockchain-based settlement systems, and open banking APIs – on traditional banks’ business models, customer acquisition strategies, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 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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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
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A Study on Trade Financing Strategies Practiced in AU Small Finance bank
Abstract: This study examines the trade financing strategies practiced by AU Small Finance Bank, with a particular focus on its role in supporting Micro, Small, and Medium Enterprises (MSMEs). Trade finance plays a critical role in facilitating both domestic and international trade by mitigating risks, ensuring liquidity, and building trust between trading partners. The research adopts an exploratory and descriptive design based on primary data collected during a 45-day internship and …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 1, 2026 Read article
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Role of Marketing Communication in Adoption of Digital Wallets and UPI Apps
Abstract: India’s transition toward a cash-lite economy has been significantly accelerated by the rapid expansion of mobile-based financial technologies, particularly digital wallets and Unified Payments Interface (UPI) applications. However, the widespread adoption of these platforms depends not only on technological accessibility and usability but also on how effectively their benefits, security, and reliability are communicated to users. This study examines the role of marketing communication in influencing the adoption and continued …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 Read article
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ESG Performance as a Non-Financial Determinant of Corporate Borrowing Cost: Evidence from Indian Listed Companies (2020–2025)
Abstract: This study examines the influence of Environmental, Social, and Governance (ESG) performance on corporate borrowing costs among Indian listed companies during the period 2020–2025. Using a balanced panel dataset of 50 firms across multiple sectors, the research investigates whether stronger ESG practices contribute to lower debt financing costs in an emerging market setting. The study employs advanced econometric techniques, including fixed- effects regression, instrumental variable estimation, and difference-in-differences analysis centered …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 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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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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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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Customer Relationship Management in Retail Banking
Abstract: The major objective of the research work is to prepare a framework for customer relationship management model (CRMM), applicable to Indian retail banks, and to analyse the influence of service quality on customer behaviour with respect to retail banks. The result of the research study reveals to be lack of awareness with the bank employees as well as adoption of CRM packages available in the market. CRM can be implemented …
Published in NOLEGEIN Journal of Global Marketing · Vol. 3, Issue 1, 2020 · pp. 28–31 Read article
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A Study to Examine the Concerns and Hardships in the Implementation of the 2020 National Education Policy
Abstract: Education plays a crucial role in unlocking human potential, fostering an inclusive society, and driving national development. Ensuring equitable access to quality education is paramount for India’s continued growth and global prominence in areas such as economic advancement, social justice, scientific, innovation, national integration and cultural preservation. The National Education policy 2020, introduced on July 29, 2020, acknowledges the need to address the shortcomings of the existing education system, rooted …
Published in NOLEGEIN Journal of Global Marketing · Vol. 6, Issue 2, 2023 · pp. 20–24 Read article