Digital banking
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A Study on the Influence of Cybersecurity Threats and Risk On the Adoption and Growth of Digital Banking
Abstract: Digital banking has grown into an essential part of the modern financial system by providing convenient, fast, and accessible digital financial services. such as mobile applications and online banking systems. The rapid growth of digital banking is supported by advancements in technological along with increased mobile internet accessibility, and the Demand for cashless financial services. However, the increasing use of digital banking has also resulted in cybersecurity challenges such as …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 2, 2026 Read article
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Post-Merger Digital Integration: Impact on Operational Efficiency andCost Synergies in Indian Public Sector Banks with special reference toCanara Bank
Abstract: This study looks at the impact of post-merger digital integration on operational efficiency and cost synergies, with special reference to Canara Bank, the main purpose of the study is to understand how digital integration has helped improve banking operations and reduce operating costs after the merger, the study is based on secondary data collected from Canara Bank Annual Reports, RBI publications, research journals, and other published sources for the period …
Published in NOLEGEIN Journal of Information Technology & 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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Innovation-Driven Financial Inclusion as a Catalyst for Sustainable Economic and Social Development
Abstract: A key instrument for advancing sustainable economic and social development is innovation-driven financial inclusion. It entails utilizing technology innovations like digital banking, mobile payment systems, fintech platforms, and data analytics to increase marginalized and underprivileged groups' access to financial services. Innovative financial solutions facilitate access to banking, credit, insurance, and savings facilities for consumers and small enterprises by lowering barriers associated with cost, distance, and documentation. Low-income populations' financial security, …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 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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A Study on Assessing the Effectiveness of Indian Post Payments Bank in Expanding Financial Inculsion Among Rural Area
Abstract: Financial inclusion remains a critical driver of equitable economic development in India, particularly in rural areas where access to formal banking services has historically been limited. This study examines the effectiveness of India Post Payments Bank (IPPB) in expanding financial inclusion among rural populations by leveraging the extensive postal network and digital banking infrastructure. Established to bridge the last-mile connectivity gap, IPPB delivers doorstep banking services through postmen and Gramin …
Published in NOLEGEIN Journal of Operations Research & Management · Vol. 9, Issue 2, 2026 Read article
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Assessing the Role of India Post Payments Bank in Promoting Financial Inclusion: A Study on Customer Satisfaction
Abstract: Financial inclusion remains a critical objective in India’s economic development agenda, particularly in extending formal banking services to rural and underserved populations. India Post Payments Bank (IPPB), launched in 2018 under the Department of Posts, represents a unique institutional model that combines digital banking with an extensive postal network to enhance financial accessibility. This study assesses the role of IPPB in promoting financial inclusion, with a specific focus on customer …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 1, 2026 Read article
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A Study on exploring Consumer Attitudes towards Basic Clothing Pvt Ltd Clothing
Abstract: This study examines the trade financing strategies practiced at AU Small Finance Bank and evaluates their effectiveness in supporting business growth, particularly among Micro, Small, and Medium Enterprises (MSMEs). Trade finance plays a crucial role in facilitating domestic and international trade by reducing payment risks, improving liquidity, and ensuring smooth transaction flows. The research is based on a 45-day internship in the Trade Finance Department, supported by analysis of financial …
Published in NOLEGEIN Journal of Consumer Behavior & Market Research · 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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A Gender wise Study on Privacy and Security in Digital Banking
Abstract: Banks have always been a place of trust for all: Young/old, Rich/Poor, Male/Female, Literate. Theconcept of bank in India is that of a place where there are long ques for every activity and a hugeamount of paperwork is to be done for each transaction. However, due to the introduction oftechnology in the banking sector, the scenario is not the same anymore; it has reduced the quantum ofpaperwork for many banking …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 5, Issue 1, 2022 Read article
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Quality Assurance Testing Practices – A Case Study at Trigo Quality Production Services Pvt Ltd Pune
Abstract: ABSTRACT The Indian government’s drive to move Indian economy from cash to cash less economy is a major step towards achievement of its flagship program of Digital India which visions India as a digitally empowered and a knowledge society. The primary aim of this move is to reduce high dependence on cash and also to bring more transparency and efficiency in the system. These practices offer various opportunities, but on …
Published in NOLEGEIN Journal of Organizational Behavior Management · Vol. 1, Issue 1, 2018 · pp. 21–26 Read article