Analysis of Financial performance that can evaluates the financial health of companies. The study presents a systematic literature review to assess past research focused on the use of solvency, liquidity and profitability indicators for financial analysis. In this paper, it has been analysed how macroeconomic factors affect solvency. It has also been observed that interest rates and inflation influence debt levels and capital structure across industries. The findings show that traditional liquidity ratios lack of debt. In the other hand cash flow analysis offers better insights. There is limited use of ESG in profitability analysis, though firms with good governance show better earnings and firms with sustainable practices often perform better in the long run. The dominance of Altman Z score is also observed with limited focus on distress indicators. The study will help stakeholders make better decisions and promote more sustainable financial practices in a growing economy.
The exploratory research aims to assess how current users of UPI (Unified Payments Interface) applications would react to the idea of displaying carbon footprint or carbon tag information with each transaction. Based on the extended Theory of Planned Behaviour (TPB) by Ajzen (1991), the research analysed if the users with higher climate control awareness are more likely to accept the idea of viewing the carbon footprint or carbon tag for each digital transaction. A survey was created and distributed in Kolkata and Greater Kolkata area based on simple random and snowball sampling method. Based on the data collected for 204 responses, Chi-Square, Kruskal Wallis, Mann-Whitney U Test and Binary Logistic Regression are conducted. The results show the impact of Sociodemographic factors, UPI usage amount and Convenience of using UPI applications on green purchase intention and the impact of climate control awareness on consumers’ payment behaviour. The binary logistic regression shows that the key predictors of green purchase intention are related to the UPI application users' choice of mobile app for frequent purchases. The research recommends for future studies to explore how the UPI mobile applications' convenience varies among the UPI platforms.
The main purpose of the study is to conduct a bibliometric analysis on the topic of financial literacy and financial inclusion during the period 2015 to 2024. The data were extracted from the Scopus database and analysis were done by using the Vos-viewer software. The findings reveals that there is a remarkable increase in the academic research, particularly after 2020, underlining the reflect of digitalization and the Covid-19 pandemic on financial inclusion and behaviour. The analysis of author keywords and co-citation analysis highlights the themes such as decision making, development of SME, financial behaviour and retirement planning around various demographics. This study highlights the role of global connections and provides the need for research in underrepresented areas to contribute comprehensive financial ecosystems. The findings of this study provide valuable intuition for educators and researchers to increase the financial well-being in the digital world.
The results show that in the Nigerian banking industry, both transactional and transformational leadership styles have a big impact on employee commitment. Results show that a 1% increase in transactional leadership leads to a 24% rise in employee commitment and a 1% increase in transformational leadership leads to a 21% increase in employee commitment. This shows how important leadership is for encouraging people to be dedicated and stay with the company. This research lends credence to the Full Range Leadership Theory (FRLT), which states that transactional and transformational leadership styles work hand in hand to motivate workers. In light of these findings, it is advised that Nigerian financial institutions implement a well-rounded strategy for leadership that combines inspiring vision-setting with organised incentive programs to boost employee dedication and overall productivity. The following suggestions for improving bank employees’ dedication in Nigeria are derived from the study’s findings: Leadership styles have a big impact on employee engagement, thus banks should incorporate both transformational and transactional approaches. While transactional leadership is useful for setting clear goals and rewarding good performance, transformational leadership is more focused on inspiring and motivating employees. For managers to be able to implement successful leadership styles, financial institutions should put money into leadership development programs. Improving employee engagement should be the primary goal of training programs that aim to cultivate transformational leadership behaviours. These behaviours include providing personalised attention, inspiring others, and stimulating their minds.
Financial assistants driven by artificial intelligence offer a continuously and readily available service that includes assistance on investment plans, understanding of spending trends, and even answers to questions about banking-related activities. The banking sector's adoption of AI-powered financial assistants is completely changing the way financial services are delivered by offering convenience, individualized offerings, and improved efficient performance. The use of AI-powered financial assistants for banking-related operations is the most recent technical advancement in the banking sector. The aim of the current study is to investigate how demographic variables, such as age, affect customers' adoption factors of AI-driven financial assistants, given that more and more consumers are leaning toward tech-based services. The study used an adapted questionnaire to gather primary data, which included the dependent variable Behavioural Intention to use AI-driven financial assistants and the six primary adoption factors of AI-driven financial assistants: Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Trust, and Personal Innovativeness. The data was collected from Haryana's banking customers via a survey. The results were determined using ANOVA. The study's findings demonstrate that, depending on the respondents' ages, customers' adoption factors of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Trust, and Personal Innovativeness vary significantly. Additionally, behavioral intention to use AIFA differentiates groups according to the customers' ages. The results of this study will help banks and other financial institutions better understand their customers.
