Search
24 articles for “Financial behaviour”
-
An Analysis of Financial Literacy and its Impact on Financial Behaviour of Teachers working in Higher Learning Institutions in Hyderabad
Abstract: In todays' fast-changing economic environment all over the world, literacy in finance is an essential requirement for everyone, whether student, employee or entrepreneur, to ensure the financial wellbeing of self and family. The importance of literacy in finance has increased recently due to the current pandemic, Covid -19, where many have suffered financially. They do not have sufficient savings and investment to use in these critical situations and do not …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 5, Issue 1, 2022 Read article
-
Savings to Investments: A Study of Financial Behaviour among Salaried Individuals
Abstract: The transition from saving to systematic investment has become increasingly significant in emerging economies, particularly among salaried individuals who rely on fixed monthly incomes. This study examines the financial behaviour, investment preferences, and risk orientation of salaried individuals through an empirical investigation. Primary data were collected from 150 respondents using a structured questionnaire, and statistical tools including descriptive analysis, Chi-square tests, Spearman’s correlation, and One-Way ANOVA were applied to examine …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 1, 2026 Read article
-
Finfluencers vs AI Financial Assistants: Who Influences Young Investors More?
Abstract: The fast evolution of digital platform technologies and artificial intelligence has altered the way young investors receive financial information and make investments. Finfluencers - creators of financial information on social media, and AI financial assistants – technologies providing financial information have gained prominence and became significant sources of financial advice. This research paper is meant to examine the impact of finfluencers and AI financial assistants on young investors and understand …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 2, 2026 Read article
-
UPI and the Transformation of India's Digital Economy
Abstract: From a payment innovation, the Unified Payments Interface (UPI) has grown into a crucial pillar of India's quickly developing digital economy. It is important not just for facilitating electronic transfers but also for establishing an interoperable environment where banks, merchants, customers, and IT firms may engage in digital transactions via a shared infrastructure. This shift has been expedited by the expansion of mobile connection, cellphones, bank account penetration, and financial …
Published in NOLEGEIN Journal of Management Information Systems · Vol. 9, Issue 2, 2026 Read article
-
Green Minds, Smart Investments: Impact of Sustainability Cognition on Investment Behavior Among Emerging Indian Investors
Abstract: Does the level of sustainability consciousness of an investor influence their investment decisions? This is the question we address in this paper. We test the impact of sustainability cognition - the combination of knowledge, attitudes and information-seeking that investors bring to ESG investment decisions - on the investment choices of retail investors in India. We test four hypotheses in our original survey of 300 retail investors, using a moderated mediation …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 45–53 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
-
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
-
The Function of Digital Finance Solutions in Financial Planning, Investing, And Personal Budgeting
Abstract: In recent years, personal finance management has gained significant importance due to the increasing complexity of managing day-to-day finances, saving for future goals, and investing. This paper presents a comprehensive study of the development of a Personal Finance Management System (PFMS), a digital solution designed to assist individuals in effectively managing their financial activities. The proposed system integrates budgeting, expense tracking, investment planning, and financial goal setting into a single …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 8, Issue 1, 2025 · pp. 1–11 Read article
-
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
-
Exploring the Role of Cognitive Biases in Retirement Savings and Investments in select districts of Telangana
Abstract: Planning a secure retirement requires clear thinking, but our brains have built-in shortcuts called cognitive biases that can lead us to confusion. Overconfidence might make us take on too much risk, while fearing losses could keep us in low-growth investments. We might favour information that confirms our existing beliefs, blindly follow the crowd, or prioritize immediate gratification over long-term savings. This study investigates the influence of cognitive biases and behavioural …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 7, Issue 2, 2024 · pp. 90–95 Read article
-
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
-
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
-
Mastering Wealth: Unveiling The Art of Investment Strategies in Dynamic Financial Markets
Abstract: In the expansive realm of wealth management, "Mastering Wealth: Unveiling the Art of Investment Strategies in Dynamic Financial Markets" emerges as a comprehensive and enlightening study that embarks on a multifaceted exploration of pivotal dimensions within this field. It goes extensively into the complex network of behavioural elements that have a significant impact on financial decision-making and investment behaviour. Simultaneously, it casts a focus on the vital domain of risk …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 8, Issue 1, 2025 · pp. 18–21 Read article
-
A Comparative Study of the Impact of Behavioural Finance on Equity Investment Decisions: Evidence from Investors in Junagadh and Rajkot
Abstract: This study examines the influence of behavioural finance on equity investment decisions among individual investors in Junagadh and Rajkot. The research is based on primary data collected through structured questionnaires administered to 200 respondents, with an equal representation of 100 investors from each city. The study specifically focuses on key behavioural biases, including overconfidence, familiarity bias, regret aversion, and narrow framing, and further evaluates the impact of demographic factors such …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 · pp. 1–8 Read article
-
A Comparative Analysis of Risk, Returns, and Investment Preferences
Abstract: This research examines how investors choose between different financial instruments by analysing their investment preferences, perceived risk, and expected returns. The study compares popular options such as equities, mutual funds, fixed deposits, gold, and real estate to determine how factors like age, income level, and financial knowledge influence decision-making. Primary data from surveys and secondary sources were used to identify behavioural trends across diverse investor groups. Results indicate that younger …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 1–5 Read article
-
A Study on Student Borrowing Behaviour Through Credit Apps in Chennai
Abstract: This research aims at studying the borrowing proportion of students through credit apps in Chennai with a focus on Slice and mPokket. While these apps do provide rapid financial support, doubts are raised regarding their implications towards an individual's financial stability and mental well-being. Factors influencing the dependency of the student have been highlighted in this research while the effect of borrowing on stress, anxiety, and decision-making about finances has …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 8, Issue 2, 2025 · pp. 1–6 Read article
-
Predicting Individual Investors Intention to Invest and Individual Investor Behavior
Abstract: An investor is an individual that prop money into a structure such as a pursuit for a monetary return.The main goal of any investor is to keep down risk and boost return. It is in contrast with a gambler whois pile to invest in a risky asset with the hopes of getting a worthwhile. Understanding financial marketsand investors' behavior is one of the considerable objectives in pecuniary matters. However, most …
Published in NOLEGEIN Journal of Leadership and Strategic Management · Vol. 4, Issue 1, 2021 Read article
-
The Intelligent Frontier: Orchestrating AI and Machine Learning for Advanced Financial Fraud Detection
Abstract: Traditional rule-based systems cannot match that scale. They are too slow, too rigid, and too reactive. This paper examines how AI and ML are reshaping fraud detection. It evaluates LSTMs, GNNs, and Transformers as detection tools. Mastercard reported a 20% uplift in fraud detection rates. The paper also maps two emerging frontiers: Agentic AI and Quantum Graph Neural Networks. Strategic guidance is offered throughout CFOs and finance leaders. Global financial …
Published in NOLEGEIN Journal of Leadership and Strategic Management · Vol. 9, Issue 2, 2026 · pp. 29–36 Read article
-
Managerial Accounting—A Necessity for Business Success
Abstract: Managerial accounting is a very useful tool in decision-making because managers need various information about the development of the economy within the organizations they lead, from comprehensive cost awareness to analysis of decision-makers' behaviour. Therefore, management accounting has become an important part of the management process by providing essential information to managers who need to prepare, monitor and evaluate in an evolving business climate, highly competitive, characterized by imperfect information, …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 3, Issue 2, 2020 · pp. 14–20 Read article
-
Shifting Customer Preference and Smart Phones
Abstract: Now a days customer preference has been drastically changed, with technological advancement moremoney in the hands of young people. It is seen that Smart phone companies are selling cheaperphones with great features and affordable in nature due to which common people in India havebought in large numbers. Also availability of smartphones in e-commerce platform has made themarket is very competitive. It and increases the larger choice for the customer and …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 4, Issue 1, 2021 Read article