Ecosystems in entrepreneurial environments are dynamic systems with many interplaying factors rather than solely relying on individual entrepreneurs. Current literature existing in Higher Educational Institutions on this topic remains fragmented instead of adequately illustrating how all these factors interplay with each other. As a conceptual piece of literature, this article systematically searches the literature existing between 2010 and 2025 to come up with an integrated model of categorizing these factors into three broad forms of environments: Internal, External and Educational, incorporating individual personality traits playing a mediating role in these systems. Using multiple existing ecosystem elements in an entrepreneurial environment presented by other authors and organizing them systematically into a better-defined environment, this research adds comprehensiveness in understanding how Higher Educational Institutions impact entrepreneurial outputs. The model presented in this piece of literature proposes a viewpoint where support for entrepreneurs in Higher Educational Institutions is more than just educational reforms, but rather efficient institutions with better culture, systems, infrastructure, and policies in place.
Factor analysis, employed to identify the dimensions of financial resilience of the 104 surveyed households (HHs) in Palakkad district of Kerala, reveals the financial shocks to which these HHs are exposed during the post-pandemic period. The factors extracted are financial struggles reflected in falling expenditures and mounting debt repayment obligations; limited access to resources owing to insufficient social support systems; and an adaptive financial behaviour, evident in coping strategies such as curtailing essential expenses and downsizing the emergency fund. Conceptualising financial resilience using the Planned Behaviour construct provides insights into the forces behind these identified factors of financial resilience. It emphasises the roles of attitudes, subjective norms, and perceived behavioural control in influencing HHs' financial behaviour. The adaptive financial behaviour of these HHs is their response to the pandemic-induced financial challenges and the lack of social support during the emergency.
The landscape of digital payments in India has evolved gradually since the banking industry was liberalised in the 1990s and new technology like Automated Teller Machines (ATMs) and Magnetic Ink Character Recognition (MICR) were introduced. Following that, various kinds of payment products and service providers were introduced in 2010 (wallets, recharge vouchers, stored value cards, etc.). Compared to many developed less-cash nations, India is seeing a faster development trajectory in digital payments. This paper focuses on the volume and value of electronic payments, as well as advancements in e-payments including RTGS, NEFT, UPI, and mobile banking transactions. It examines the trend and pattern of the volume and value of transactions of electronic payments and studies the developments in electronic payments such as Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT), UPI transactions and Mobile Banking transactions. The findings of the study state that there is a significant difference in the mean transactions of RTGS, NEFT, UPI and Mobile Banking Transactions before and after Covid-19 in terms of 'volume' and 'value'.
The dynamic character of the banking industry, particularly in the emerging economies such as India, requires a perpetual adjustment, invention and sustainable performance. While structural and lately financial strategies have been dominated by technological reforms, the human-centric aspects of organisational capability have not been studied much. This study investigates the strategic input of human capital to financial performance and long-term growth in the Indian banking industry. The study has adopted a quantitative research methodology and incorporates both perceptual and archival data in order to investigate the role of internal capabilities on important organisational outcomes. A structured questionnaire was used to collect the data, and the financial performance indicators were obtained from secondary sources such as annual reports and the CMIE PROWESS database covering the period from 2014 to 2025. SmartPLS was used to apply Structural Equation Modelling (SEM) to determine the hypothesised relationships. The outcomes indicate that behavioural and cognitive factors of talent have a huge impact on the financial and growth-related measures. The discussion proves that organisations that invest in developing internal capabilities are better able to navigate market complexities, improve the services they provide, and remain competitive. Overall, the research can offer beneficial findings to bank executives, regulators, and human-resource practitioners, as it emphasises that the effective use of intangible resources and the orientation of human potential as a primary source of organisational prosperity become more important for achieving sustainable banking performance.
Fintech has emerged as a transformative force in the development of digital banking, facilitating innovation, efficiency, and inclusion while also creating new regulatory and security risks. This study performs a bibliometric analysis of fintech and digital banking published from 2016 to 2024. Using 340 Scopus-indexed articles, the analysis employed VOSviewer, Bibliometrix-R, and Microsoft Excel with a mapping approach to examine publication and citation trends, leading authors, institutions, countries, articles, and journals, and visualised intellectual connections through citation, co-citation, bibliographic coupling, and keyword co-occurrence networks. The results illustrate exponential growth with respect to research outputs with specific increase from 2021, placing dominance in contributions from the USA, China, India and UK. The article identifies themes such as fintech for sustainable finance and inclusion within regulatory frameworks, Mobile services as the foundation of digital transformation and access, Trust and behaviour as drivers of digital banking adoption, Innovation and ecosystems that enable fintech competitiveness, and cryptocurrencies and blockchain as disruptive yet risky innovations. Citation analysis also shows that early foundational studies remain widely cited, whereas more recently cited works cover financial technology, consumer protection, and ecosystem resilience. This study provides a broad summary of the intellectual basis for research on fintech and digital banking. It summarises salience, influential studies, and indications of underexplored topics that might be fruitful for future research, thereby offering a pathway for subsequent research for academics, practitioners, and policy-makers to consider when seeking to balance innovation and inclusiveness, trust and transparency, and oversight in the digital financial ecosystem.
