IOSR-JBM   Two-Day National-Level Seminar on FinTech Innovation, Inclusion, and Sustainability Sponsored by ICSSR-SRC The Department of Commerce, PG Centre, Jnanagangotri, Chitradurga 14th and 15th of February 2025.

Abstract: The present study attempts to understand the role of Fintech innovations in promoting sustainable behaviour in India, by way of financial inclusion, sustainable investing, environmental sustainability, behavioural mechanisms and regulatory challenges. The study is designed using secondary data for the period starting from 2018 to 2023. The reveals that there has been a steep increase in the Fintech adoption in India from 52 million to 260 million, driven by digital wallets, and government initiatives. Further, the study highlights urban areas have seen a better financial inclusion in comparison with rural regions of India. The ESG- driven investment in Fintech platforms have......

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Key Words: Fintech Innovations, Sustainable Financial Behavior, Financial Inclusion, ESG Investing (Environmental, Social, and Governance), Digital Payments (UPI, Mobile Wallets)

[1]. Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The evolution of fintech: A new post-crisis paradigm? Georgetown Journal of International Law, 47(4), 1271-1319.
[2]. Gomber, P., Koch, J. A., & Siering, M. (2017). Digital finance and fintech: Current research and future research directions. Journal of Business Economics, 87(5), 537-580. https://doi.org/10.1007/s11573-017-0852-x
[3]. Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35- 46. https://doi.org/10.1016/j.bushor.2017.09.003
[4]. Thakor, A. V. (2020). Fintech and banking: What do we know? Journal of Financial Intermediation, 41, 100833. https://doi.org/10.1016/j.jfi.2019.100833
[5]. Zetzsche, D. A., Buckley, R. P., Arner, D. W., & Barberis, J. N. (2018). From fintech to techfin: The regulatory challenges of data-driven finance. Fordham International Law Journal, 41(2), 327-394.

Abstract: This research examines the evolution and impact of human-AI interaction from 2020 to 2025, focusing on user experience in the digital age. The study analyzes data from 100 respondents, primarily comprising IT professionals and young urban users, to understand interaction patterns, trust levels, and adaptation to AI systems. Using a quantitative approach through structured questionnaires, the research reveals significant trends in AI adoption and usage patterns. Findings indicate that while 72.......

Keywords: Human-AI Interaction, User Experience, Artificial Intelligence, Digital Transformation, Trust Levels, User Adaptation, AI Integration, Technology Adoption, Human-Centered Computing, AI Systems

[1]. Raees, M., Meijerink, I., Lykourentzou, I., Khan, V. J., & Papangelis, K. (2024). From explainable to interactive AI: A literature review on current trends in human-AI interaction. International Journal of Human-Computer Studies, 103301.
[2]. Liu, C. Y., & Yin, B. (2024). Affective foundations in AI-human interactions: Insights from evolutionary continuity and interspecies communications. Computers in Human Behavior, 161, 108406.
[3]. Yolmo, U. T. L., & Basnett, P. (2024). Human-AI Symbiosis: Unveiling the Inherent Limitations of AI through the Sadharanikaran Model of Communication. Bodhi: An Interdisciplinary Journal, 10(2), 20-44.
[4]. Wienrich, C., & Latoschik, M. E. (2021). extended artificial intelligence: New prospects of human-ai interaction research. Frontiers in Virtual Reality, 2, 686783.
[5]. Vishwarupe, V., Maheshwari, S., Deshmukh, A., Mhaisalkar, S., Joshi, P. M., & Mathias, N. (2022). Bringing humans at the epicenter of artificial intelligence: A confluence of AI, HCI and human centered computing. Procedia Computer Science, 204, 914-921.

Abstract: The Indian banking sector has undergone substantial changes in terms of market dynamics and competition driven by technological and digital innovations. The integration of fintech has enabled the delivery of tailored, user-friendly solutions for customers. One of the most groundbreaking strategies within the fintech sector is neo banking. Although relatively new to the broader fintech landscape, neo-banks have made considerable strides and grown rapidly in India. These are entirely online, branchless financial institutions that emphasize speed, innovation, and customer......

Key Words: Neo Bank, Fintech, Traditional Banking, Digital Banking

[1]. Abdennebi, H. B. (2023). M-banking adoption from the developing countries perspective: A mediated model. Digital Business, 100065. https://doi.org/10.1016/j.digbus.2023.100065.
[2]. Abhilash, A., Shenoy, S.S. & Shetty, D.K. (2023). Overview of corporate governance research in India: a bibliometric analysis. Cogent Business and Management, 10(1), 2182361.
[3]. Açıkgül, K., & Şad, S. N. (2021). High school students‟ acceptance and use of mobile technology in learning mathematics. Education and Information Technologies, 26(4), 4181-4201.
[4]. Choudhary, P., & Gupta, R. (2021). The Role of Neo Banks in Digital Financial Inclusion in Rural India. Journal of Financial Research & Policy, 15(2), 91-108.
[5]. [https://doi.org/10.2139/jfrp.2021.091]

Abstract: As India embarks on its mission to become a $5 trillion economy, bridging gaps in access to finance is pivotal for enabling the equitable growth an d shared prosperity required to achieve this goal. Reaching this mission has made India pertinent to investigate deeper in acheiving its Sustainable Development Goals particularly in deliberation of its flagship programme of financial inclusion "Pradhan Ma ntri Jandhan Yojana". At this backdrop, the current study tries to evaluate the effectiveness of the Pradhan Mantri Jan Dhan Yojana (PMJDY)......

Keywords: Sustainable Development Goals, PMJDY, Financial Inclusion

[1]. Hadar, R., & Manos, R. (2021). Government policy and financial inclusion: analyzing the impact of the Indian nation al mission for
financial inclusion. In Inclusive Financial Development (pp. 265 292). Edward Elgar Publishing.
[2]. Kumar, I. (2024). Banking services and financial inclusion in India's poorest regions. Journal of Banking Regulation 25 (2), 145
159.
[3]. Wang, X., & Guan, J. (2017). Financial inclusion: measurement, spatial effects and influencing factors. Applied Economics 49 (18),
1751 1762.
[4]. Rathi, P., Sidana, S., & Rathi, A. (2024). Review of Sustainable Development of Women MSME through Digital Financial I nclusion.
In Multidisciplinary Approaches for Sustainable Development (pp. 311 316). CRC Press.
[5]. Kandpal, V. (2020). Reaching sustainable development goals: Bringing financial inclusion to reality in India. Journal of Public
Affairs 20 (4),.

Abstract: The entire investment paradigm has been altered by contemporary technologies known as financial technology or Fintech, which has opened the door for modern materials and directed institutional or individual investors to create platforms and tools for trading, analysis, and portfolio management. This study aims to investigate how Fintech affects stock market investment by highlighting important technological advancements, benefits, drawbacks, and new trends. Through......

Key words : Fintech, Stock Market Investment, Blockchain, Algorithmic Trading, Artificial Intelligence (AI), Robo-Advisors, Big Data Analytics, Cybersecurity Risks, Regulatory Challenges

[1]. Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech and RegTech in a nutshell. Research Handbook on International Financial Regulation.
[2]. Chishti, S., & Barberis, J. (2016). The FinTech Book. Wiley.
[3]. Gomber, P., Koch, J.-A., & Siering, M. (2018). Digital finance and fintech: Future research directions. Journal of Business Economics, 87(5), 537-580.
[4]. Kashyap, R. (2018). Cybersecurity in financial services. Journal of Financial Regulation and Compliance, 26(3), 382-394.
[5]. Kirilenko, A. A., Kyle, A. S., Samadi, M., & Tuzun, T. (2017). The flash crash: High- frequency trading in an electronic market. The Journal of Finance, 72(3), 967-998.

Abstract: There has been massive expansion in the financial technology sector over the past few years. The second half of 2023 saw a global investment in financial technology of USD 58.2 billion, according to a report by KPMG. With over 9,000 organizations, India is home to the third-highest concentration of financial technology in the world and 14% of the nation's startup investment. India has an incredible 87% adoption rate of fintech, much higher than the global average of 67%. The Indian fintech ecosystem is anticipated to expand with the support of enabling digital public infrastructures, supportive laws.......

Keywords: Empowering Entrepreneurs, Fintech Innovations, Capital Access, Operational Efficiency, Financial Inclusion

[1] Abouraia, M. K., & Al Morsey, R. M. (2020). Analyzing the Impact of FinTech Adoption on Financial Inclusion and Economic Development: A Data-Driven Approach. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 11(1), 973-984.
[2] Alrawashdeh, N., Alsmadi, A. A., & Al-Gasaymeh, A. (2022). FinTech: a bibliometric analysis for the period of 2014-2021.Calitatea,23(188), 176-188.
[3] Avarmaa, M., Torkkeli, L., Laidroo, L., & Koroleva, E. (2022). The interplay of entrepreneurial ecosystem actors and conditions in FinTech ecosystems: An empirical analysis.
[4] Bajwa, I. A., Ur Rehman, S., Iqbal, A., Anwer, Z., Ashiq, M., & Khan, M. A. (2022). Past, present and future of FinTech research: A bibliometric analysis. Sage Open, 12(4), 21582440221131242.
[5] Benziane, R., Roqiya, S., & Houcine, M. (2022). Fintech startup: A bibliometric analysis and network visualization. International Journal of Accounting & FinanceReview, 11(1), 8-23.

Abstract: In recent years, Sustainability has gained massive momentum as the world faces pressing environmental, economical and social challenges. Climate change, wastage of resources and rised pollution has driven the individuals, businesses and governments to adopt more sustainable practices. The idea of integrating environment and economic thoughts by the companies without compromising environment and work ethics is termed as Sustainability. Sustainability – a key concept which focuses on conserving natural resources, reducing wastage of resources and......

Keywords: Green Fintech, Innovations and Technology, etc.

[1]. 'A Study on Assessing the Implementation of Sustainable Finance and Green Finance Initiatives in Fintech Companies' (2 024) – Ms.Suthiksha.S And Dr. S. Jeyalakshmi, (JETIR) Volume 11, Issue 4 ISSN-2349-5162.
[2]. Advancing Green Financing Through Fintech for Sustainable Development (2024) – Dr. Sonia Narula and Ms. Jyoti Gupta, International Journal of Multidisciplinary Studies, Volume 1, Issue 3, pp-34-40, ISSN 3048-7005.
[3]. A Conceptual Study on Implications of Green Finance in India (2024) – Dr. R. Vennila, Dr. Sudha. B.S, (IJRASET), Volume 12, Issue: III Mar 2024, ISSN: 2321-9653.
[4]. A Conceptual Study of Green Financing in Promoting Sustainable Development (2021) – Amandeep and Sakshi Sardania, INTERNATIONAL JOURNAL OF COMMERCE AND BUSINESS MANAGEMENT, VOL-15,2021, ISSN: 2456-4575.
[5]. Fintech, Green Finance and Sustainable Development (2018) – Tao Cen, Renke He, (MEEAH) volume 291.

Abstract: The concept of optimal synergy can be illustrated by the expression "1 plus 1 equals eleven." Similarly, the collaboration between fintech and embedded finance, the integration of financial services—such as saving, lending, payment, and insurance—into non-financial services including e-commerce, automotive, healthcare, and tourism is embedded finance. This article aims to investigate the realm of embedded finance and its significant impact on fintech services, particularly in areas like saving, lending, payment, and insurance. The article is based on secondary data from an extensive literature review of articles and journals. The major findings from this collaboration open up enhanced opportunities for businesses and consumers, while simultaneously energising the economy.

Keywords: FinTech, embedded finance, financial technology, financial innovation

[1]. Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The Evolution of Fintech: A New Post-Crisis Paradigm? In SSRN Electronic Journal. RELX Group (Netherlands). https://doi.org/10.2139/ssrn.2676553
[2]. Mittal, P., & Gupta, S. (2023). FinTech and Digital Finance: Foes or Friends after COVID-19 Pandemic? In Business Management and Economics Research (Issue 91, p. 13). https://doi.org/10.32861/bmer.91.13.21
[3]. Salampasis, D., & Mention, A. (2017). FinTech: Harnessing Innovation for Financial Inclusion. In Elsevier eBooks (p. 451). Elsevier BV. https://doi.org/10.1016/b978-0-12-812282-2.00018-8
[4]. Visconti, R. M., Rambaud, S. C., & Pascual, J. L. (2020). Sustainability in FinTechs: An Explanation through Business Model Scalability and Market Valuation. In Sustainability (Vol. 12, Issue 24, p. 10316). Multidisciplinary Digital Publishing Institute. https://doi.org/10.3390/su122410316
[5]. Hensen, J., & Kötting, B. (2022). From open banking to embedded finance: The essential factors for a successful digital transformation. Journal of Digital Banking, 6(4), 308. https://doi.org/10.69554/srcl34.

Abstract: This study explores users' perceptions and satisfaction with digital payment services within the context of ride-hailing services in Bengaluru Urban. By focusing on convenience, security, ease of use, and reliability, the research aims to identify key factors influencing user satisfaction. A mixed-method approach was employed, combining quantitative surveys and a literature review. A sample size of 130 was selected using convenience sampling and statistical test Chi-square test, Regression analyses were inculcated to check the impact and association of the variables. The findings reveal that most users prefer digital payment methods for their speed and seamless integration with.....

Key Words: Cash payments, Digital payments, Perception, Ride-Hailing Services, Satisfaction

[1]. Li, G., Zhang, R., Guo, S., & Zhang, J. (2022). Analysis of ride-hailing passenger satisfaction and life satisfaction based on a MIMIC model. Sustainability, 14(17), 10954
[2]. Nguyen, D. G., & Ha, M. T. (2022). What makes users continue to want to use the digital platform? Evidence from the ride-hailing service platform in Vietnam. SAGE Open, 12(1), 21582440211069146.
[3]. Sumathy, M., & Vipin, K. P. (2017). Digital payment systems: Perception and concerns among urban consumers. IJAR, 3(6), 1118-1122.
[4]. Sahi, A. M., Khalid, H., Abbas, A. F., Zedan, K., Khatib, S. F., & Al Amosh, H. (2022, April). The research trend of security and privacy in digital payment. In Informatics (Vol. 9, No. 2, p. 32). MDPI.
[5]. Ahmed, Selim & Choudhury, Musfiq & Ahmed, Ezaz & Chowdhury, Ujjal & Asheq, Ahmed. (2021). Passenger satisfaction and loyalty for app-based ride-sharing services: through the tunnel of perceived quality and value for money. TQM Journal. 33. 1411-1425.. 10.1108/TQM-08-2020-0182.

Abstract: This research examines the effectiveness of digital transformation of commercial taxes administration on revenue generation in Karnataka State and finding a positive long term link. It highlights digital transformation's role in improving tax compliance and boosting national tax revenue through digital transactions. Commercial Taxes plays an important role in a country's economic growth and development, the efficiency of the Commercial Taxes Administration greatly influences tax revenue collection. This research aims to identify technological......

KEYWORDS: Digital Transformation, Effectiveness, Revenue Generation, Tax Administration, Commercial Taxes Department, Commercial Taxes.

[1]. Hesami. S., Jenkins. H., & Jenkins. G.P. (2024). Digital transformation of tax administration and compliance: A systematic literature review on e-invoicing and prefilled returns. Digital Government: Research and Practice, 5(3), Article 18. https://doi.org/10.1145/364367.
[2]. Gayathri P. & Saravanan D. (2023). Digital Transformation of Financial Services in GST. International Journal of Creative Research Thoughts. Volume 11, Issue 8, ISSN: 2320-2882. www.ijcrt.org.
[3]. Yuhan He & Yang Yi (2023). Digitalization of tax administration and corporate performance: Evidence from China. Science Direct. http://doi.org/10.1016/j.jrfa.2003.102859.
[4]. Bhavin A. Popat & Dr. Jigar R. Raval (2023). GST in era of digitization: issues and its implementation difficulties. International Journal of Creative Research Thoughts. Volume 11, Issue 7, ISSN: 2320-2882. www.ijcrt.org.
[5]. Prof. Sangeetha S Kumar & Chaithanya S (2023). Digitization of GST. International Journal of Novel Research and Development. Volume 8, Issue 11, ISSN: 2456-4184. www.ijnrd.org..

Abstract: Financial technology (fintech) innovations have emerged as transformative forces in the investment landscape, significantly influencing investor behavior in the Indian stock market. This article delves into the interplay between fintech advancements and individual preferences for direct investments in mutual funds and equity shares. Drawing insights from primary data collected through a questionnaire survey of 50 respondents. It explores how technology-driven platforms and tools shape investment decisions, enhance accessibility, and redefine traditional investor dynamics. The discussion encompasses a wide range of fintech applications, including mobile trading apps, robo-advisors, blockchain-enabled.....

Key Words: Fintech Innovations, Investor Behavior, Direct Investment, Mutual Funds, Equity Share

[1]. C. Vijai (2019). Fintech In India – Opportunities And Challenges. South Asian Academic Research Journals, 8(1), 42-54. https://shorturl.at/qHM26
[2]. Anju Bala (2013). Indian Stock Market – Review of Literature. TRANS Asian Research Journals, 2(7), 67-79. https://shorturl.at/2agp6
[3]. Shilpi Pal and Arti Chandani (2014). A Critical Analysis Of Selected Mutual Funds In India. Procedia Economics and Finance Vol,11. 481 – 494. DOI : 10.1016/S2212-5671(14)00214-7.
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[5]. Shivam Tripathi and Gurudutta P. Japee (2020). Performance Evaluation of Selected Equity Mutual Funds in India. A Global Journal of Social Sciences, 3(1), 65-71. https://shorturl.at/7Miyv

Abstract: Service delivery and client interactions have been completely transformed by the banking industry's quick adoption of fintech technology. This study investigates the elements that influence the use of fintech technologies in a few Kalaburagi banks and looks at how they affect customer happiness and experience. The study highlights constraints like security concerns, a lack of digital literacy, and regulatory obstacles while also identifying important aspects that facilitate fintech adoption, such as technological developments, accessibility, and ease of use. By providing more convenience, quicker transactions, and individualized services, fintech services in particular.......

Keywords: Fintech adoption, customer experience, customer satisfaction, digital payments, baking sector

[1]. Shailaja, P., & Devi, R. (2023). Impact of Fintech on customer satisfaction – A study of select banks in Hyderabad. International Journal of Research in Management Sciences, 11(2), 1-9. Retrieved from https://iaeme.com/Home/issue/IJRMS?Volume=11&Issue=2
[2]. Kumar, H. N. (2024). A study on the impact of online services of public and private sector banks on customer satisfaction in Bengaluru city. ShodhKosh: Journal of Visual and Performing Arts, 5(5), 1570–1580. https://doi.org/10.29121/shodhkosh.v5.i5.2024.3465
[3]. Huparikar, A., & Shinde, N. (2024). A study on influence of FinTech on customer satisfaction of banks in Pune. ShodhKosh: Journal of Visual and Performing Arts, 5(5), 1570–1580. https://doi.org/10.29121/shodhkosh.v5.i5.2024.3465
[4]. Rajalakshmi, S., & Rani, J. (2024). A study on impact of digital transformation on banking operations and customer service of Tamil Nadu State Apex Co-Operative Bank. International Journal of Research Publication and Reviews, 5(4), 7144-7148. Retrieved from https://www.ijrpr.com
[5]. Vijai, C., Bhuvaneswari, L., Sathyakala, S., Dhinakaran, D. P., Arun, R., & Lakshmi, M. R. (2023). The effect of Fintech on customer satisfaction level. Journal of Survey in Fisheries Sciences, 10(3S), 6628-6634. Retrieved from https://www.researchgate.net/publication/371398841