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7 articles for “Savings behaviour”
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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
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A Study on Impact of Augmented Reality on Customer Experience inOnline Shopping
Abstract: This project is about understanding role of augmented reality in an online shopping and how it affects customer experience, many people purchase products through online platforms and augmented reality is becoming one of technologies used to make shopping easier and more interactive, the study tries to understand whether this technology is useful for customers and how it influences their purchasing behaviour during an online purchases, information for study was collected …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 9, Issue 02, 2026 Read article
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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
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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
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Exploring Consumer Behaviour in E-Commerce: A Research Investigation in Varanasi and Prayag Raj Districts of Uttar Pradesh
Abstract: As e-commerce is growing as a technical market with a lot of features, it attracts customers very quickly, changing the decision-making process of shopping in the modern day of globalisation. Today, e-commerce is increasing the interest of people to purchase goods and services over the internet, which has significantly changed the scenario of the Indian retail market. The Big Billion-Day Sale offered by Flipkart is a perfect example of changing …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · Vol. 7, Issue 1, 2024 · pp. 24–39 Read article
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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
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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