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National Research Journal of Banking and Finance Management

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National Research Journal of Banking and Finance Management is a peer-reviewed and refereed scholarly journal (ISSN: 2349-6762) dedicated to advancing research and discourse in the fields of Banking and Finance Management. The journal upholds rigorous academic standards, ensuring the publication of high-quality research contributions.

The National Research Journal of Banking and Finance Management(NRJBFM) is an Biannual peer reviewed refereed research journal Banking and Finance Management is a peer-reviewed academic journal dedicated to the advancement of knowledge and practice in the fields of banking, financial services, and financial management. The journal provides a platform for researchers, practitioners, policymakers, and academics to publish high-quality research that explores theoretical frameworks, empirical analyses, and innovative approaches to the dynamic and evolving world of finance and banking.

The journal welcomes contributions across a broad spectrum of topics, including but not limited to: risk management, financial regulation, corporate finance, fintech innovations, investment analysis, banking operations, and international financial systems. Emphasizing both theoretical rigor and practical relevance, Banking and Finance Management aims to foster insightful dialogue and impactful discoveries that contribute to sound financial practices and informed decision-making globally.

  • The Journal is Published By "National Press Associates"
  • Publisher Website: www.npajournals.org
  • Journal Name: National Research Journal of Banking and Finance Management
  • ISSN: 2349-6762
  • Impact Factor: 7.56
  • Peer Review Process: Double Blind Peer Review Process
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  • Frequency of Publication: Biannual (2 Issues Per Year)
  • Languages: English
  • Accessibility: Open Access
  • Plagiarism Policy: 25% Allowed
  • AI Content: 10% Allowed
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The journal invites submission of manuscripts that meet the general criteria of significance and scientific excellence, and will publish:

  1. Original articles (research paper, short communications, etc.)
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  3. Conference reports
  4. Book reviews, etc.

Interested in submitting to this journal? We recommend that you review the About the Journal page for the journal's section policies, as well as the Author Guidelines.

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Authors are requested to submit only original research papers/articles that are free from plagiarism and comply with the journal's originality requirements, including adherence to the journal's policy on AI-generated content where applicable. Authors are solely responsible for ensuring the authenticity, originality, and ethical integrity of their manuscripts before submission. The journal, its editorial board, and the publisher shall not be held responsible for any academic, legal, or professional consequences arising after publication due to plagiarism, copyright infringement, unethical practices, or violations of institutional or regulatory policies by the authors.

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Current Issue

Year: 2026   Volume-13, Issue-2, Year-2026 ( july- dec)

Paper Title FINANCIAL LITERACY AND POCKET MONEY MANAGEMENT AMONG COLLEGE STUDENTS: A CASE STUDY OF GOVT. DANTESHWARI PG COLLEGE, DANTEWADA
Paper Type
Author Name TUMESHWAR , RAMESHWAR MANDAVI & SURAJ SAHU
Country India
DOI https://doi.org/10.5281/zenodo.21424676
Page No. 1-8

Abstract View PDF Download Certificate
FINANCIAL LITERACY AND POCKET MONEY MANAGEMENT AMONG COLLEGE STUDENTS: A CASE STUDY OF GOVT. DANTESHWARI PG COLLEGE, DANTEWADA
Author: TUMESHWAR , RAMESHWAR MANDAVI & SURAJ SAHU

ABSTRACT
This research paper presents a comprehensive analysis of the financial literacy levels, income sources, and pocket money management strategies among students at Government Danteshwari PG College, Dantewada, in the Bastar region. The study uniquely captures a tribal-dominated demographic, where 69.2% of the 104 respondents belong to the Scheduled Tribe (ST) category. Through rigorous primary data analysis, the study reveals that while theoretical financial confidence is high, practical execution falters. The transition to frictionless digital payments (with 57.7% primarily using UPI) has catalyzed impulsive buying behavior, significantly escalating expenditures even among those who claim immunity to peer pressure. Additionally, a Chi-Square test (χ² = 10.64, p = 0.1002, df = 6) at a 90% confidence level is statistically suggestive but not significant regarding the link between ‘self-earned income’ and ‘financial discipline,’ lending support to Richard Thaler’s Mental Accounting theory. Despite behavioral gaps, a highly positive trend emerges with 94.2% of students exhibiting saving habits, highlighting a latent drive for self-reliance and future financial planning.

Keywords: Financial literacy, pocket money management, digital payments, impulsive buying, financial discipline, Mental Accounting, Behavioral Economics, tribal demographics.

Paper Title THE ROLE OF ECONOMIC CONDITIONS AND CENTRAL–STATE GOVERNMENT HEALTH SCHEMES IN SHAPING HEALTH AND MEDICAL INSURANCE ADOPTION IN PUNJAB A Quantitative Study of Economic Capaci
Paper Type
Author Name Amanpreet Singh , Navneet Seth
Country India
DOI https://doi.org/10.5281/zenodo.21550751
Page No. 9-18

Abstract View PDF Download Certificate
THE ROLE OF ECONOMIC CONDITIONS AND CENTRAL–STATE GOVERNMENT HEALTH SCHEMES IN SHAPING HEALTH AND MEDICAL INSURANCE ADOPTION IN PUNJAB A Quantitative Study of Economic Capaci
Author: Amanpreet Singh , Navneet Seth

ABSTRACT
Health-insurance adoption is shaped by the interaction of financial capacity, institutional support and consumers’ evaluations of insurance services. This study examines the role of household economic conditions and central–state government health schemes in influencing health and medical insurance adoption in Punjab. A quantitative, explanatory, cross-sectional design was used. Primary data were collected between February and November 2025 from respondents in Ludhiana, Jalandhar, Bathinda and Ferozepur. Of 1,136 questionnaires distributed, 522 responses were received and 453 valid responses were retained for analysis; 358 responses were collected face-to-face and 95 online. The questionnaire measured economic conditions, government health-scheme awareness and perceived usefulness, insurance awareness, service accessibility, premium cost, trust, customer satisfaction, perceived value and health-insurance adoption using five-point Likert-scale items. Structural equation modelling was used to examine the hypothesised relationships, supplemented by reliability and validity assessment, mediation analysis, moderation analysis and predictive validation. The results reported in the study indicate that economic conditions and government health schemes are positively associated with health-insurance adoption. Premium cost negatively affects customer satisfaction, whereas insurance awareness, accessibility and trust positively influence satisfaction. Customer satisfaction is positively associated with adoption, and perceived value strengthens the relationships between awareness and trust and customer satisfaction. The findings suggest that expanding health-insurance participation requires more than increasing product availability. Affordability, effective public schemes, accessible delivery, transparent administration and trust-building are jointly important for improving adoption in Punjab.

Keywords: health-insurance adoption; economic conditions; affordability; government health schemes; Punjab; customer satisfaction; perceived value; structural equation modelling.

Paper Title TRANSFORMING LIVES LOCALLY: THE IMPACT OF MICROFINANCE IN RURAL AREAS OF ASSAM
Paper Type
Author Name Ruli Daulagupu , Papiya Dutta
Country India
DOI https://doi.org/10.5281/zenodo.21670395
Page No. 19-23

Abstract View PDF Download Certificate
TRANSFORMING LIVES LOCALLY: THE IMPACT OF MICROFINANCE IN RURAL AREAS OF ASSAM
Author: Ruli Daulagupu , Papiya Dutta

INTRODUCTION
Microfinance refers to the provision of financial services such as small loans (microcredit), savings, insurance, and payment facilities to low-income individuals or groups who typically lack access to conventional banking services. These services are often tailored to the capacities and needs of rural populations, who face geographic, economic, social, and infrastructural constraints that limit their access to formal financial systems.
Rural areas often have features such as low population density, scattered settlements, dependence on agriculture, seasonal and unpredictable incomes, weak infrastructure (roads, power, internet), and sometimes low literacy and financial awareness. In such contexts, traditional banks frequently consider lending to small or remote clients unprofitable or too risky (due to the lack of collateral, high transaction costs, information asymmetry etc.). Microfinance institutions (MFIs), non-profit organizations, cooperative societies, and self-help group (SHG) models have sought to bridge this gap.

Paper Title CUSTOMER ADOPTION OF FINANCIAL TECHNOLOGY AND INVESTMENT DECISION-MAKING; AN EMPIRICAL INVESTIGATION
Paper Type
Author Name Murugesan S , P. Ayyappan
Country India
DOI https://doi.org/10.5281/zenodo.21790288
Page No. 24-32

Abstract View PDF Download Certificate
CUSTOMER ADOPTION OF FINANCIAL TECHNOLOGY AND INVESTMENT DECISION-MAKING; AN EMPIRICAL INVESTIGATION
Author: Murugesan S , P. Ayyappan

ABSTRACT
The rapid advancement of financial technology (FinTech) has transformed the way individuals and businesses access financial services. Digital innovations such as mobile banking, robo-advisors, peer-to-peer lending, blockchain, digital wallets, and artificial intelligence have significantly influenced customer financial behavior and investment decision-making. FinTech has increased financial accessibility, reduced transaction costs, improved investment efficiency, and enabled data-driven financial decisions. However, concerns regarding cybersecurity, privacy, technological complexity, and regulatory uncertainty continue to affect customer adoption. The article examines the relationship between customer adoption of financial technology and investment decision-making by exploring key adoption theories, influencing factors, benefits, challenges, and future trends. A sample size of 100 respondents is selected using convenience sampling technique.The required primary data has been collected from the respondents using Google forms. The discussion highlights how customer trust, perceived usefulness, ease of use, financial literacy, and technological innovation shape investment behavior in the digital era.

Keywords: Financial Technology, FinTech Adoption, Investment Decision-Making, Digital Finance, Customer Behavior and Financial Literacy.

Paper Title CUSTOMER ACCEPTANCE AND SATISFACTION IN NEO-BANKING SERVICES
Paper Type
Author Name Anish Thomas , Marvin Sabu
Country India
DOI https://doi.org/10.5281/zenodo.22224076
Page No. 33-42

Abstract View PDF Download Certificate
CUSTOMER ACCEPTANCE AND SATISFACTION IN NEO-BANKING SERVICES
Author: Anish Thomas , Marvin Sabu

ABSTRACT
The rapid digitalisation of financial services has accelerated the emergence of neo-banking as a technology-driven alternative to conventional banking. This study examines customer awareness, perceived benefits, acceptance, satisfaction and continuance intention toward neo-banking services among users in Kottayam District, Kerala. Primary data were collected from 80 respondents through a structured questionnaire using convenience sampling and analysed using descriptive statistics. The findings indicate that respondents had a moderate level of awareness, while acceptance, satisfaction and continuance intention were comparatively high. Convenience emerged as the most important perceived benefit, whereas the absence of a physical branch network was the major limitation. Payments constituted the most frequently used neo-banking service, while investment and lending services recorded relatively lower usage. Overall, the findings indicate favourable customer perceptions and continued engagement with neo-banking, although concerns relating to branch accessibility, service coverage and security remain. The study provides context-specific evidence on customer engagement with neo-banking and highlights the importance of convenience, usability and customer support in strengthening continued use of digital banking services.

Keywords: Neo-banking, FinTech, Customer Acceptance, Customer Satisfaction, Continuance Intention, Digital Banking, India

Paper Title PRIVATIZATION OF INDIAN RAILWAYS: A STUDY OF STAKEHOLDER PERCEPTION, POLICY TRAJECTORY, AND THE TEJAS EXPRESS EXPERIENCE
Paper Type
Author Name Anuradha Agarwal , Rahul Chaudhary
Country India
DOI https://doi.org/10.5281/zenodo.22643319
Page No. 43-55

Abstract View PDF Download Certificate
PRIVATIZATION OF INDIAN RAILWAYS: A STUDY OF STAKEHOLDER PERCEPTION, POLICY TRAJECTORY, AND THE TEJAS EXPRESS EXPERIENCE
Author: Anuradha Agarwal , Rahul Chaudhary

Indian Railways (IR), the fourth-largest railway network in the world, has for over a decade been the subject of a slow but deliberate policy shift from a state-monopoly, socially-priced transport utility toward a system that increasingly accommodates private capital and management. This study examines the trajectory, rationale, and public reception of railway privatization in India, combining a review of policy history and comparative international experience with primary survey evidence from 418 passengers and railway employees. The paper traces privatization from the 2006 Container Policy and the 2019 Tejas Express pilot through to the National Monetization Pipeline 2.0 (NMP 2.0), announced in February 2026, which targets ₹2.62 lakh crore in asset monetization between 2025-26 and 2029-30 a 70 percent increase over the first monetization cycle. Survey findings show that 70.9 percent of respondents consider privatization necessary, and 45.5 percent favor a Public-Private Partnership (PPP) model over full privatization or continued public ownership; yet 74.5 percent fear higher fares and 52.7 percent fear a widening of income-based access to quality service. The financial record of the Tejas Express India's flagship private-style train, which had accumulated losses of roughly 62.9 crore over its first several loss-making years is examined as a case study in the conditional and volatile viability of premium-positioned private-style services; the most recent available data show a demand-driven recovery in the third quarter of FY 2025-26, with quarterly occupancy of 69% on the Delhi-Lucknow route and 109% on the Ahmedabad-Mumbai route, though full-year profitability for FY 2025-26 has not yet been officially disclosed. Drawing on international evidence from the United Kingdom and Japan, the paper argues that unregulated, full-scale privatization carries demonstrable risk to safety, affordability, and service equity, whereas a calibrated, well-regulated PPP model is both what the public prefers and what the comparative record supports. The paper concludes with policy recommendations centered on tariff regulation, phased implementation, and employment safeguards.

Keywords: Indian Railways, privatization, Public-Private Partnership, Tejas Express, National Monetization Pipeline, transport policy, passenger perception

Paper Title ENTREPRENEURIAL AGENTIC AI: A CONCEPTUAL FRAMEWORK FOR AUTONOMOUS DECISION-MAKING, ETHICAL GOVERNANCE, AND HUMAN–AI COLLABORATION IN EARLY-STAGE VENTURES
Paper Type
Author Name Kavita Dahiya, Shubham Alria
Country India
DOI https://doi.org/10.5281/zenodo.22688635
Page No. 56-64

Abstract View PDF Download Certificate
ENTREPRENEURIAL AGENTIC AI: A CONCEPTUAL FRAMEWORK FOR AUTONOMOUS DECISION-MAKING, ETHICAL GOVERNANCE, AND HUMAN–AI COLLABORATION IN EARLY-STAGE VENTURES
Author: Kavita Dahiya, Shubham Alria

Artificial intelligence (AI) is increasingly embedded in entrepreneurial activity, but the emergence of agentic AI—systems capable of pursuing goals through multi-step planning, tool use, and partially autonomous execution—creates a distinct set of opportunities and governance challenges for early-stage ventures. This conceptual paper examines the relationship between entrepreneurial agentic AI, autonomous decision-making, ethical governance, and human–AI collaboration. Building on research on AI and entrepreneurship, the automation–augmentation paradox, responsible AI, and entrepreneurial cognition, the paper develops an integrative framework in which agentic AI can extend entrepreneurial analytical capacity while human judgment remains essential for contextual interpretation, value selection, accountability, and exception handling. The framework identifies three interrelated pathways. First, agentic AI can improve the timeliness, consistency, and information-processing capacity of entrepreneurial decisions when task boundaries and escalation rules are clearly specified. Second, ethical governance—including accountability, transparency, privacy, fairness, monitoring, and risk controls—conditions whether increased autonomy produces legitimate and socially responsible outcomes. Third, human–AI collaboration can support innovation and operational effectiveness when trust is calibrated rather than assumed and when human and AI roles are explicitly negotiated. The paper contributes a conceptual model and three propositions for future empirical testing. It also provides managerial and policy implications for early-stage ventures seeking to adopt agentic AI without transferring responsibility from human decision-makers to machines.

Keywords: agentic AI; entrepreneurship; autonomous decision-making; responsible AI; human–AI collaboration; AI governance; early-stage ventures

Paper Title INVESTMENT PERCEPTIONS AND MARKET PERFORMANCE DURING GEOPOLITICAL UNCERTAINTY— A STUDY OF INVESTORS ABOVE 40
Paper Type
Author Name Saanvi Gupta
Country India
DOI https://doi.org/10.5281/zenodo.22707289
Page No. 65-77

Abstract View PDF Download Certificate
INVESTMENT PERCEPTIONS AND MARKET PERFORMANCE DURING GEOPOLITICAL UNCERTAINTY— A STUDY OF INVESTORS ABOVE 40
Author: Saanvi Gupta

This study examines the investment perceptions of individuals above 40 during geopolitical uncertainty and compares them with the performance of Gold, NIFTY 50 and S&P 500. Using survey responses and market data, the study finds that gold was widely perceived as the safest and most preferred investment. However, during the selected period, the S&P 500 recorded the highest return and lowest volatility, while gold showed the lowest return and highest volatility. The findings highlight that perceived safety may differ from actual short-term market performance and emphasise the importance of diversification and informed investment decisions.

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