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14 articles for “Fintech Adoption”
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Financial Literacy as CSR: The Role of FinTech in Promoting Sustainable Investment Practices
Abstract: The growing importance of sustainable finance has increased the need to understand the factors that influence individuals’ sustainable investment behavior. In this context, Corporate Social Responsibility (CSR) initiatives and financial literacy have emerged as important mechanisms for promoting responsible financial decision-making. This study examines the role of financial literacy as a CSR-driven capability supported by FinTech platforms in promoting sustainable investment practices. Drawing on stakeholder theory and digital finance literature, …
Published in NOLEGEIN Journal of Business Ethics, Ethos & CSR · Vol. 9, Issue 2, 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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AI-Driven Behavioral Insights and Neuro-Based Decision Modeling in Fintech marketing – A Study
Abstract: This study examines the transformation of fintech marketing in India through the integration of artificial intelligence (AI)-driven behavioral insights and neuro-based decision modeling. As digital financial services expand rapidly, understanding consumer decision-making processes has become critical for designing effective marketing strategies. The research employs a primary data-driven approach, collecting responses from fintech users across diverse demographic segments to analyze behavioral patterns, cognitive biases, and emotional triggers influencing financial decisions. Advanced …
Published in NOLEGEIN Journal of Operations Research & Management Read article
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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
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Investigating The Role of Trust and Behavioral Barriers in Shaping Investor’s Decision to Delegate Portfolio Management to AI-Driven Robo-Advisors
Abstract: AI-based Robo-advisors have emerged at a striking pace across the Indian financial landscape, with disciplined, low-cost investment management options increasingly becoming accessible to a diverse retail investor market. Yet the decision to relinquish portfolio management to these algorithms is one substantial psychological hurdle that many still face. This paper aims to assess the role of trust dimensions and behavioral obstacles in adopting Robo-advisory services among Indian investors. Using secondary data …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 9, Issue 1, 2026 · pp. 1–9 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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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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Innovating Insurance Lending in Indian Fintech: A Study of Bimapay’s EMI Model, Business Strategy, and Role in Alternative Credit for Insurance Inclusion
Abstract: This study examines EMI-based insurance lending within India’s fintech ecosystem, focusing on Bimapay Finsure Pvt. Ltd. and its role in improving insurance accessibility through technology-enabled premium financing. Using primary data collected from 41 employees across finance, operations, and technology teams, the research evaluates employee understanding of the EMI model, perceptions of business model sustainability, and attitudes toward AI-driven reconciliation. Statistical analyses – including descriptive analysis, correlation, and regression – reveal …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 1, 2026 · pp. 28–34 Read article
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The Role of Digital Transformation in Economics Growth: An Indian Perspective
Abstract: India's economy has benefited greatly from digital transformation, which has transformed important industries like entrepreneurship, banking, governance, and education. The rapid adoption of digital technologies, fuelled by initiatives like Digital India, Aadhaar, the Unified Payments Interface (UPI), and Bharat Net, have enhanced financial inclusion, improved public service delivery, and generated new employment opportunities. Government-led efforts in e-governance and fintech have facilitated economic participation, minimized leakages in welfare schemes, and promoted …
Published in NOLEGEIN Journal of Entrepreneurship Planning, Development and Management · Vol. 8, Issue 1, 2025 · pp. 1–5 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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Adoption of Unified Payments Interface Among College Students and Educators
Abstract: Digital payment systems play important role in supporting sustainable development. One of the most successful examples in India is the Unified Payments Interface (UPI), introduced by the National Payments Corporation of India in 2016. UPI allows users to make real-time digital transactions through mobile applications and has become one of the most widely used payment systems in India. Currently, Millions of transactions are processed through UPI every month. This study …
Published in NOLEGEIN Journal of Financial Planning and Management · Vol. 9, Issue 2, 2026 · pp. 11–18 Read article
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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
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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