MSc in Accounting & Finance Management

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The Impact of Mobile Banking Services on the Financial Behaviour of GEN Z Consumers of Kerala
(Griffith College, 2024) Shyju Tharakan, Elizabeth; Ferro, Marianna
This study, "The Impact of Mobile Banking Services on the Financial Behaviour of Gen Z Consumers in Kerala," investigates how mobile banking affects the financial behaviors of Gen Z consumers. Using a quantitative approach, the research surveyed 109 participants aged 12-27 to analyze the influence of mobile banking features on saving and spending habits. The study aimed to assess the impact of mobile banking accessibility, features, and financial literacy on financial behavior. Findings revealed that mobile banking accessibility alone did not significantly influence financial behavior. However, specific features like Spending Alerts and Budgeting Tools were positively correlated with improved financial management. Contrary to expectations, financial literacy through mobile banking did not significantly affect financial behavior. The results suggest that while mobile banking features are crucial in shaping financial behavior, accessibility and financial literacy measures require better integration and engagement. These insights provide actionable recommendations for financial institutions to enhance mobile banking services, focusing on effective features to improve financial behavior among Gen Z consumers in Kerala.
To explore financial literacy experience and understanding of international students in Dublin
(Griffith College, 2024) Chyi Chyi Ngu, Sharon; DeTona, Carla
The study is aimed to explore the financial literacy experience and understanding of international student in Dublin. The study will explore the four components which are financial knowledge, financial attitudes, financial behaviors, and financial environment. This study also analyzes how they cope with the challenges of managing their personal finances in a foreign cultural and economic environment. Through semi-structured interviews and qualitative analysis. The findings suggest that cultural background, economic stress, and level of financial education have a significant impact on students' financial decision-making. While higher financial literacy helps international students make more rational financial decisions, personal financial attitudes, economic stress, and cultural differences tend to limit their financial management skills. The sample size of this study was 10 individuals. The findings show that one of the biggest sources of financial stress in Dublin for a large proportion of the respondents was the problem of renting an apartment and the lack of sufficient funds limiting their financial literacy. The results of this study can be used as a reference for international students in Ireland to help them improve and recognize financial literacy and financial management skills, and to develop more independent and rational international students. In addition, it is hoped that this study will provide valuable references and insights for future researchers exploring financial literacy and financial management among international students.
A Study on Consumer Preference in Sustainability by Use of Virtual Card Payments in Ireland
(Griffith College, 2024) Vinod, Eastel; Ferro, Marianna
This research aims to analyse the impact of virtual card payments on sustainable consumption in Ireland, focusing on how digital payment technologies influence consumer behavior towards environmentally friendly practices. It examines the growing adoption of virtual cards, their role in enhancing security and convenience, and their potential to drive sustainable purchasing decisions. By analyzing consumer preferences and behaviours, the study aims to bridge the gap between financial innovations and environmental sustainability. The literature review explores the adoption of virtual card payments in Ireland, highlighting technological progression and consumer attitudes across age groups. It covers factors such as digital literacy, trust, lifestyle, and government initiatives. The review also examines consumer perceptions of digital payments, their convenience, security, and sustainability benefits. The study used a quantitative approach with structured questionnaires to analyze consumer perceptions of sustainable virtual card payments in Ireland. It employed positivism and deductive methods to identify trends and factors influencing payment choices. Data were collected via online surveys and group discussions, with ethical considerations ensuring validity and reliability. A results and discussion chapter focussing on appraisals in Ireland of consumer behaviour approaches the issue through examining virtual card payments acceptance as an entity. The findings confirm the correlation between virtual card adoption and green purchasing, with ease of use, security and environmental benefits being identified as key drivers. Despite that, adoption is suffered by things like ignorance and security issues. The differing opinions of those three camps on the environmental impact point to an obvious need for better dialogue. The findings offer academic insights and professional guidance to enhance virtual payment systems, activate pro-environmental consumption behaviour. Having reviewed the results on virtual card use, this chapter concludes by restating its potential influence over sustainable buying behaviour, while it also cites a recommendation and conclusion. It identifies important drivers and barriers and provides practical advice on improving safety, awareness and barriers. The chapter discusses research contributions, limitations, and future prospects and the findings provide a basis for further research on digital payment systems and their role in promoting environmental awareness
Kudumbashree Microfinance Utilisation and Business Sustainability Among Women Micro-entrepreneurs In Kerala
(Griffith College, 2024) DeAlmeida, Steffi; Omotosho Daniel, Tade
This study explored the impact of Kudumbashree microfinance schemes on the sustainability of women-led businesses in Kerala, with a focus on understanding how loans are utilised, assessing the long-term effects on business growth, and analysing the influence of institutional support. The study was guided by key research questions aimed at uncovering the specific ways in which women entrepreneurs use these loans, the challenges they face in sustaining their businesses, and how institutional factors contribute to or hinder their success. To address these questions, a qualitative research approach was employed, involving in-depth interviews with 8 women micro-entrepreneurs who had received loans from the Kudumbashree program. The data collected from these interviews was analysed using thematic analysis, which allowed the identification of patterns related to loan utilisation, business sustainability, and institutional support. The findings reveal that while Kudumbashree loans significantly support the initial phases of business operations, challenges such as limited marketing and digitalisation investment and insufficient ongoing training stans in the way of the business reaching its full potential. Institutional support, particularly in terms of loan application processes and community networks, was found to be crucial, but the lack of continuous monitoring and follow-up training emerged as a key weakness. Based on these findings, the study recommended enhancing ongoing support and training for women entrepreneurs, improving the loan monitoring processes, and encouraging strategic investments in areas such as marketing and digitalisation to ensure the long-term success of these businesses. These recommendations are aimed at strengthening the effectiveness of Kudumbashree and similar microfinance programs in promoting sustainable economic development.
Public Sector Auditing and Its Impact On Corruption In Uganda
(Griffith College, 2024) Amutuhaire, Shanice; Leventis, Stergios
Public sector auditors play a crucial role in mitigating corruption. This study aimed to examine the role and impact of public sector auditing in mitigating corruption by investigating the elements of competence of public sector auditors, institutional support, and compliance of auditors with standards that influence the effectiveness of public sector auditing on corruption in Uganda. The study adopted a quantitative approach using a questionnaire survey of 105 public sector auditors. Pearson's correlation coefficient and multiple regression analysis were used to establish the relationship between independent and dependent variables. The findings revealed that the competence of public sector auditors, institutional support, and auditors' compliance with standards have a significant positive relationship with corruption mitigation, with institutional support being the stronger predictor among the three independent variables. The study highlighted that higher competence of auditors, strong and positive institutional support, and strict adherence to auditing standards reduce corruption. The results also indicated that the combination of the three variables only explains 19.7% of the variance in corruption among government entities. This study highlighted the need for an increase in budgetary allocations to OAG and minimal political interference in the work of OAG to enhance its role in mitigating corruption.
Exploration Of Sustainable Marketing Strategies Based on Kerala Clothing SMEs
(Griffith College, 2024) Jose Elizabeth, Josna; Latridis, George
Chapter 1: This study aims to explore Sustainable marketing strategies based on the Kerala clothing SME organizations. It concentrates on understanding the importance of the Sustainable marketing approach of clothing organizations of Kerala and discusses several types of sustainable business practices and marketing strategies development organizations of Kerala. After that, the study discussed the importance of Sustainable marketing including organizations. In this respect to understand the key facts of the study, the study has established important objectives and Research questions to pursue the research process. Chapter 2: A sustainable marketing strategy is a process that prioritizes social, economic, and environmental positive impact and develops products that focus on social and environmental impact. It helps companies to handle sustainability issues and is devoted to social accountability. Sustainable marketing is a method that promotes products that can lower the social and environmental impact. To discuss the importance of Sustainable marketing strategies in the clothing business the study has discussed two important theories the corporate sustainability theory and the green economic theory Chapter 3 examines the sustainable marketing strategies of Kerala's clothing SMEs, employing surveys and company records to analyze their impact on customer behavior and business outcomes, supporting informed decision-making. Positive philosophy emphasizes the structure of research and enhances the rigor and reliability of research findings. Understanding the idea of Sustainable marketing strategies and developing ways to improve statistical tools and techniques allows generalizing findings by enhancing the research's external validity. Chapter 4 is associated with data collected from the participants analyzed with relevant references. The primary objective of graphical analysis is to explore sustainable marketing strategies to identify growth opportunities by clothing SMEs in Kerala. The primary quantitative analysis states that technological advancement, especially AI, is promoting the marketing strategies of the clothing industry. 5 Chapter 5 concluded the overall research process by establishing the main fact of the research topic by aligning the research objectives and research questions with each chapter to explain the importance of sustainable marketing strategies for clothing SMEs of Kerala. In addition, this chapter evaluates how a sustainable marketing strategy can help the clothing industry of Kerala. In this chapter, the researcher also gave important recommendations to improve the research process and indicate the study's main research gap. Finally, the study explains the future scope of the research process to explore Sustainable-marketing strategies for the clothing SME industries of Kerala
The Impact of Digital Currencies on Traditional Banking and Financial Systems. A survey analysis from employees working in Fintech companies in Ireland
(Griffith College, 2024) Raj Kizhuppilly, Akshay; Iatridis, George E.
This research investigates the effect of digital currencies on traditional banking systems with an emphasis in fintech sector in Ireland. Digital currencies are becoming more and more popular, really hitting home for many traditional financial institutions. The study investigates the link between digital currency-driven fintech innovations and waning demand for mainstream banking services. The paper employs a hybrid methodology using quantitative data and disintermediation theory; the Technology Acceptance Model (TAM); and Institutional Theory to understand how digital currencies are changing the way that finance works. Main results show this slight to moderate positive relationship between (a) perceived risks in digital currency use and the fading of traditional banking service. The fintech’s are revolutionizing the market by using digital currencies for more efficient, safer and customerfocused financial solutions. But it also showed major obstacles to digital banking and the challenges for incumbent banks in adjusting their strategies if they wanted to stay relevant. The research supports academic literature by presenting an experimental threat from digital currencies and practical implications that must be considered for both traditional banks as well as fintech providers to adjust effectively. Policy implications are also covered, arguing for regulation strategies that incorporate new technology while protecting consumers as well as promoting financial stability. The challenge ahead for banks, fintech firms and regulators in a financial world transformed by the rise of digital currency.
Consumer Perceptions of Sustainability and Their Impact on Purchasing Decisions in the Indian Textile Industry
(Griffith College, 2024) Salam, Sulthana Parwin Andarathara Abdul; Vecchi, Alessandra
The textile industry has been under tremendous pressure in recent years to adopt the sustainable practices due to surging consumer awareness and ecological concerns. The objective of this study is to explore consumer perceptions towards sustainability in textile products with respect to their purchasing behaviour, influences on decisions made as well as obstacles faced by them. To attain this purpose, the research employed qualitative research design through semi-structured interviews conducted on five participants who were identified from different market segments within the textile industry. The participants of the study included both consumers and professionals from different industries which provided a much broader perspective. Semi- structured interviews were used as means of data collection that were thereafter transcribed and analysed manually using thematic analysis technique with an aim of coming up with major themes and patterns concerning sustainable development. From these findings, it is evident that there are several factors that affect buying behaviour of consumers such as sustainability in relation to purchase decision making process. Interviewees emphasized the need for eco-friendly materials, ethical ways of production and transparency across supply chains thus they are more likely to support brands showing moral responsibility. Consumer inclination towards brands that show real commitment to sustainable activities is on the rise, and they often rely on certifications and detailed product information to make informed decisions. However, there are several hurdles for sustainability textiles widespread adoption. High costs and the limited availability of sustainable options are major barriers, especially for budget-constrained consumers or people residing in areas where such products are not easily accessed. This research also points out marketing and consumer trust as other important concerns. A good marketing strategy should be able to communicate clearly how sustainable a product is such that it builds consumer confidence. Nevertheless, there exist a fear over greenwashing whereby companies provide false claims about their efforts in being eco-friendly. In conclusion, this research offers valuable insights into consumer perceptions of sustainability within the textile industry thus identifying some areas which need serious improvements. By dealing with these kinds of blockages as well as enhancing openness, the business will be more capable of meeting customer expectations while driving better ways of operating sustainably.
Impacts Of Digital Technologies on Accountants’ Jobs in Vietnam
(Griffith College, 2024) Thanh Vuong, Phuong; Dasilas, Apostolos
The study investigates the impact of digital technologies on accountants’ jobs in Vietnam, specifically whether the adoption of digital accounting contributes to accountants’ success. The study employs a quantitative approach by using a survey data-gathering method integrating inferential statistics such as cross-sectional regression analysis to arrive at evidence-based findings. As a result, in this study, it was shown that Big Data Analytics (“BDA”) and Cloud computing are the digital technologies that have the most significant impact on accountants’ jobs in Vietnam. Notably, BDA adoption in accounting could lead to authenticity issues that might affect the data analytics quality and accountants’ financial strategy. Besides, cloud computing adoption might also result in data security matters among accountants in Vietnam. The result of this study contributes to the accountants’ success in general since it alerts them on the high-impact digital technologies and identifies the digital matters that accountants shall concentrate on in the current digitalisation era
An Exploration of Sustainability Reporting Requirements under International Financial Reporting Sustainability Standards S1 and S2, and the Impacts and Challenges for External Auditors
(Griffith College, 2024) Aparecida Quintão Martins, Kamila; Burdis, Suzanne
This research investigates the complexities external auditors encounter when providing assurance on sustainability reports under IFRS S1 and IFRS S2. As the global sustainability agenda intensifies, driven by increasing awareness of the risks associated with unsustainable business practices, companies face growing pressure to enhance the transparency and accountability of their actions. In response, new reporting obligations, including IFRS S1 and S2 standards, have been introduced to standardise sustainability disclosures and hold businesses accountable for their environmental and social impacts. The study explores the challenges associated with sustainability reporting and assurance, by examining the requirements of IFRS S1 and S2, alongside the practical difficulties associated with auditing sustainability disclosures. While sustainability reporting has been extensively studied from various perspectives, the specific audit challenges that arise with the introduction of these standards have been relatively little explored. This subject is still emerging but is anticipated to grow in importance as IFRS S1 and S2 become mandatory. To investigate these challenges, this study adopts an exploratory qualitative approach, employing an inductive method. The research is grounded in a comprehensive literature review and empirical data collected through semi-structured interviews with audit practitioners in the field. The findings reveal critical issues relating to gaps in auditor skills and knowledge, a gap between sustainability report users' expectations and audit purpose, and challenges posed by the standards’ requirements and client practices that adversely affect audit performance. The study positively indicates the credibility that assurance reports on the sustainability disclosures can provide, while additionally identifying potential ethical and independence threats inherent in the assurance process. To address these issues, the study proposes recommendations such as investing in auditor training, increasing reliance on the use of sustainability experts, developing audit firm capabilities, and leveraging technology to enhance audit effectiveness. This research contributes to the field of sustainability reporting and auditing, by providing empirical evidence on IFRS S1 and IFRS S2 and the challenges when auditing compliance with these standards, helping to fill a critical gap in the literature and enrich the understanding of the challenges auditors face.
An Exploration on the Influencing Factors of Investment Decisions of Healthcare Professionals in Pathanamthitta District, Kerala, India
(Griffith College, 2024) Jacob Mathew, Samson; Whelan, Suzanne
This dissertation investigates the investment practices of medical professionals in Kerala, India's Pathanamthitta District, with an emphasis on how socioeconomic factors, risk tolerance, and external influences affect their financial choices. The study seeks to identify the major factors influencing investment decisions within this population. Using a mixed-methods approach, quantitative survey data and qualitative interview insights were combined. While the interviews gave a deeper knowledge of the impact of social networks, market movements, and legislative changes on investing strategies, the survey investigated characteristics including income level, educational background, employment status, and risk tolerance. The results show that healthcare workers have a high preference for low-risk assets, which aligns with a risk-averse attitude, such as gold and fixed deposits. Socioeconomic characteristics, including income and education, have a substantial impact on these investing preferences, as the research indicates. It is noteworthy that even with advanced degrees, a considerable number of professionals maintain a conservative stance, implying that education is not a proper way of reducing risk aversion. Furthermore, the analysis shows that although outside variables such as economic and market developments are considered, they do not significantly influence investing choices. It was discovered that socioeconomic origins and individual financial objectives had greater influence. The study also identifies obstacles that prevent healthcare personnel from making wise investing decisions, including time constraints and restricted access to financial guidance. In summary, this dissertation offers insightful information about the investment habits of healthcare professionals in Pathanamthitta. It also makes actionable suggestions for policy makers and financial advisors to raise the level of financial literacy among this population and encourage wise investment choices.
Leveraging Augmented Reality (AR) Technology to Foster Sustainable Fashion: Consumer Behavior and Environmental Impact
(Griffith College, 2024) Iqbal, Nouman; Vecchi, Alessandra
This research focuses on how AR technology could encourage sustainable fashion practices and affect consumers’ attitudes toward more environmentally conscious decisions. The research looks at the impact AR has on detailed and overall consumer engagement, the increase of transparency and traceability in the fashion supply chain, as well as customer awareness of sustainability topics. To get an extensive insight into the effects of AR in the fashion industry, cross-sectional qualitative interviews and questionnaires were administered to key stakeholders in the industry and consumers respectively. This implies that AR boosts consumer interactor’s experiences with shopping ventures thus supplying purchasing behaviors that are more sustainable. Also, the use of AR in fashion enables consumers to make informed decisions regarding the products they wish to purchase by offering detailed information as well as virtual try-on services thus greatly minimizing the negative effects of fashion practices. However, more difficulties lie ahead in crossing the last barriers toward the fashion industry transitioning to afford and accept augmented reality in its daily practices. The study also reveals the positive possibilities of integrating AR with blockchain technology to improve the reliability and trustfulness of the fashion supply chain. This integration can help create trust among consumers by offering an unalterable blockchain-based record of product sources and the products’ seal of sustainability. In summary, this research contributes to expanding debates on the use of AR technology for sustainable fashion by presenting practical recommendations for fashion stakeholders to consider when implementing AR for sustainability goals.
Impact Of Social Media Marketing on the Financial Performance of SMEs in the Retail Industry in Nigeria
(Griffith College, 2024) Nancy Oruwari, Sowagbain; Omotosho, Tade
This research investigates the impact of social media marketing on the financial performance of Small and Medium Enterprises (SMEs) in Lagos, Nigeria. In an increasingly digital world, SMEs must adapt to new marketing strategies to remain competitive. Social media platforms such as Facebook, Instagram, and Twitter offer cost-effective means for these businesses to increase their reach, engage customers, and ultimately improve financial outcomes. The study aims to identify how social media marketing enhances sales, customer base growth, and profitability for SMEs, as well as the challenges these businesses face in leveraging these platforms. A mixed-methods approach was employed, with data gathered from 23 SME owners in Lagos via structured questionnaires distributed through Google Forms. SPSS was used for quantitative analysis, focusing on descriptive statistics and financial performance indicators, while qualitative data was analyzed thematically to understand the challenges and opportunities faced by SMEs. The study draws on theories such as the Resource-Based View (RBV) by Barney (1991), emphasizing that digital marketing capabilities are valuable, rare, and provide SMEs with a competitive edge. The results indicate that 73.9% of respondents found that social media marketing "Extremely" improved their business's financial performance. Key social media platforms—Facebook, Instagram, and Twitter—were used by 95.7% of the SMEs surveyed, with 60.9% reporting "Extremely" positive impacts on sales revenue and 78.3% experiencing increased profitability. Despite these successes, challenges such as lack of technical skills (87%) and high advertising costs (91.3%) were significant barriers. The study recommends that SMEs invest in digital skills training and leverage advanced analytical tools to measure the return on investment from social media campaigns. Additionally, government policies should provide financial support and training programs to reduce advertising costs and improve digital infrastructure for SMEs. Future research should explore emerging platforms like TikTok and conduct longitudinal studies to capture the long-term impact of social media marketing on SME performance. This research contributes to a growing body of literature on digital marketing and provides practical insights for SMEs seeking sustained growth in a competitive market.
Investigation of the Reasons for and Impacts of Rising Household Consumer Debt Owed To Municipalities In South Africa
(Griffith College, 2024) Lekhera, Thakane; Burdis, Suzanne
The rising household consumer debt owed to municipalities in South Africa poses a serious threat to the financial stability and service delivery capabilities of local governments. This study delves into the complex issue of municipal consumer debt, focusing on the roles of national and local governments, the necessity of effective collaboration and coordination, and the importance of public trust, accountability, transparency, and balanced budgeting within the framework of fiscal federalism and responsible citizenry. National government in South Africa is tasked with setting policy and providing financial support, while local governments are responsible for implementing and managing services. The effectiveness of these roles is often hindered by fiscal imbalances, mismanagement, and increasing unpaid consumer debt, all of which jeopardise municipal financial stability. To address these issues, the study highlights the importance of robust collaboration and coordination between national and local governments. Effective communication and policy alignment are crucial for municipalities to maintain balanced budgets—a practice that ensures financial sustainability by managing revenues and expenditures to prevent deficits. Without balanced budgeting, municipalities will continue to face mounting debt, which undermines their ability to provide essential services. Rising consumer debt has eroded public trust and confidence in local governments, creating a vicious cycle where poor service delivery discourages citizens from paying for municipal services. Rebuilding this trust requires transparency and accountability in local governance. Municipalities must manage public funds responsibly, align budgets with community needs, and hold officials accountable for financial mismanagement. The study also explores the theme of fiscal federalism, emphasising the need for a balanced and cooperative relationship between national and local governments in managing public finances. Additionally, it underscores that an informed and engaged citizenry is essential for mitigating the impact of rising consumer debt. In conclusion, addressing the growing household consumer debt in South Africa necessitates a comprehensive strategy. This includes enhancing financial management practices at the local level, focusing on balanced budgeting, improving transparency and accountability, and fostering better socio-economic conditions to enable citizens to meet their financial obligations. Strengthening intergovernmental collaboration and promoting fiscal responsibility will better equip municipalities to overcome these challenges and ensure the continued delivery of essential services to their communities.
Analysing The Influencers of Brand Loyalty in the Fast Fashion Retailing in Dublin
(Griffith College, 2024) Varghese, Jismol; Latridis, George
This research explores the key influencers of brand loyalty in the fast fashion retail industry in Dublin, with a specific focus on student consumers. Brand loyalty is recognized as crucial for businesses, as it drives sales, customer retention, and long-term growth. The fast fashion industry in Dublin is rapidly expanding, with students displaying a strong interest in fashion products. This study examines how various factors such as product quality, pricing, and brand ethics influence loyalty among these young consumers. A mixed-method approach was employed to gather data. Quantitative data were collected through surveys distributed to students in Dublin, while qualitative insights were obtained through interviews with industry experts. This methodology allowed for a comprehensive understanding of the factors that drive brand loyalty, providing a balanced view of both consumer behavior and business strategies. The data were analyzed to identify patterns and trends, offering a clear picture of how loyalty programs, ethical practices, and pricing strategies affect student loyalty in the fast fashion sector. The findings suggest that sustainable practices, ethical sourcing, and maintaining affordable yet trendy fashion options are key to fostering brand loyalty. Companies that align their business models with these values are better positioned to retain customers and build long-term loyalty. The research concludes by offering recommendations for fast fashion retailers to adopt sustainability initiatives, exclusive collections, and enhanced loyalty programs to ensure continued growth and competitiveness in Dublin's fast fashion market.
An Analysis of Consumer Perception towards FinTech Adoption in Bangalore: The Impact of Demonetization on Payment Services with a focus on Google Pay
(Griffith College, 2024) Chirayath Muttichukaran Leons, Lithin; Ferro, Marianna
The study "An Analysis of Consumer Perception Towards FinTech Adoption in Bangalore: The Impact of Demonetization on Payment Services with a Focus on Google Pay" aims to investigate the influence of demonetization on the adoption of FinTech solutions in India, specifically digital payment platforms like Google Pay. The research objectives include assessing the impact of demonetization, evaluating consumer perceptions and trust, comparing adoption trends between urban and rural areas, and identifying challenges and opportunities for FinTech growth. A quantitative approach was employed, surveying 102 participants aged 18 to 50 from both urban and rural areas of Bangalore. The findings revealed a significant positive relationship between demonetization and FinTech adoption, with 64.7% of respondents showing increased usage of digital payment platforms post-demonetization. Trust in security measures and higher educational attainment were also positively correlated with FinTech adoption and recommendations. The study concludes that demonetization catalyzed FinTech growth, particularly in urban areas, while highlighting the need to address barriers in rural regions to foster broader digital financial inclusion.
The Factors That Influence Investment Decisions Among International Working Students in Ireland
(Griffith College, 2024) Mathew, Pooja; Latridis, George E.
The primary goal of the study is to gain a comprehensive understanding of the factors influencing investment decisions among international working students in Ireland. 100 international working students make up the study's target audience. The main technique for gathering data is using a structured questionnaire. A convenient sample strategy was the sample plan used for the investigation. The quantitative study's data analysis objective was to combine regression analysis, ANOVA, and T-test using SPSS. The first objective is to investigate international working students' level of awareness regarding the numerous investment platforms and their financial independence behaviour. The variables for the first objective is gold,Real Estate,Fixed Deposits,Mutual funds and Others. The tool for analysis is rank analysis.The result found that gold is the most preferred investment platform among the students. Objective two is to examine the impact of international working students' demographic factors on investment decision criteria on more preferred investment alternatives in Ireland. The variables for measuring investment decision criteria are “In most cases, my investment decisions support my investment objectives.” My investment holding periods are spread over a long period.I have risk tolerance towards my investment decisions.,My reactions towards losses are normal, and I usually get the expected return on my investment decision.” The demographic variables include gender, age. education and jobrole. The results are as follows. The results found that gender is significant in determining the investment decision criteria among international working students. Males have got the higher mean score on the investment decision criteria among international working students.Factors like age, education and job role do not impact the investment decision criteria. Objective three is to evaluate the impact of behavioural factors and perceptions of international working students in Ireland towards financial investment.The tool for analysis is regression analysis. Thus, it is evident that anxiety and overconfidence directly impact financial investment. Other variables did not affect financial investment
Enhancing Financial Inclusion Among Women in India: Key Barriers and Strategies
(Griffith College, 2024) Singh, Ashutosh; Venthan Ananthavinayagan, Thamil
The purpose of presenting the literature review chapter is to present credible data insights that exist and support the way towards conducting the study further. Reviewed literature information highlights how people have a greater capacity to make smart choices about their money, which lessens their risk of being scammed and protects their financial health. To effectively lower this risk, it is important to challenge societal expectations and improve collective financial choices. A wealth of research shows that increased self-assurance aids in boosting women's negotiation abilities, enabling them to grasp their surroundings and financial services more effectively. Securing lasting changes in behaviour and improved handling of finances necessitates ongoing financial support and consistent encouragement. The purpose of the result chapter is to illustrate the information obtained using the mixed method technique. This phase assessed the main and secondary data, both of which are essential for additional data analysis to determine the research’s final conclusion. The analysis focuses on women's financial inclusion in India, through an evaluation by statistical and thematic analysis. It looks at the barriers and benefits of accessing finances using demographic variables and correlation as well as regression analysis. This research underscores the strong interrelationship between global benchmarks and the logistics of change, providing numerous issues and healthy prospects. The thematic analysis identifies the cultural, economic and logistical determinants behind the affordability and access to the finance industry, which is very relevant considering the current strategies and their implementations. Finally, this research is focused on the problem of increasing financial inclusion for women in India with particular emphasis placed on the need for having multiple strategies to deal with the ingrained barriers to women’s access to financial services. The chapter explains the importance of financial education, policy advocacy, and cultural sensitivity in promoting women’s economic empowerment. It proposes the use of unique tools such as mobile banking and digital finance to address the problems that women encounter, more so in rural areas. The chapter also outlines the constraints of the study and proposes areas of aspiring research, especially broader sampling and cross-country comparisons.
The Impact of Digital Payments on Consumer Spending Habits: A Case Study of Young Adults Aged 18-25 in Kerala, India
(Griffith College, 2024) Rose Paymmel Rappai, Riya; Brown-Houston, Mildred
This dissertation investigates the effect of digital payment systems on the spending habits of young adults aged 18-25 in Kerala, India. The main goal is to examine the ways in which digital payments affect consumption and monetary practices of this population. In this study, the quantitative research approach was employed hence the structured questionnaires were responded to by 158 participants out of which 100 were valid responses and were analyzed using the SPSS software. This research also concludes that young people have benefited from digital payments in making the transactions easier going by the fact that 79% of the participants preferred digital methods of payment to cash. However, this convenience of digital payment does not even create a significant shift in the total expenditure ratio. The perception of security in digital payments is also positive though it does not influence the spending of the respondents and was also liked by 53% of the respondents. This was done in a bid to show that even though security is essential for adoption, it is not sufficient to influence change in the financial behaviour of people in the long-run. Some important discoveries indicate that trust and reliability in mobile payments are critical drivers of spending. It is also evident that participants who have positive attitudes towards reliability of digital payments exhibit greater shifts in their consumption behavior than those who are concerned with the security of the payment methods. Also, there is the convenience of buying goods and services online and eating out due to the availability of digital payments. Nonetheless, entertainment spending reduces slightly, and this shows that digital payments have a differential influence on spending. Thus, it is important to conclude that, despite the increased convenience and features, such as expense tracking, digital payments have a multifaceted effect on spending behavior. The research emphasize on the trust regarding the digital payment systems and it is also indicating that more research could be done on the long term behavioral modification and the impact of digital payments on various consumer segments.
Assessing the role of FinTech in financial inclusion in emerging markets: A Focus on India
(Griffith College, 2024) Joseph, Jittimol; Rautenstrauch, Thomas
This paper aims to understand how FinTech contributes to the upliftment of financial inclusion in India with special emphasis on the level of acceptance by various population subgroups. There are several areas of research, including low levels of digital skills, both with computers and the internet, as well as uncertainty surrounding the adoption of digital transactions in Rural and other deprived regions. Technology services included in this study are mobile payment and digital lending, which the research uses to determine the role of these services in increasing or reducing gaps in the availability of banking, credit, and insurance services. By way of a qualitative assessment, this study captures the impact of socio-economic and cultural factors in the adoption of FinTech. This also assesses the efficiency of governmental strategies and the quality of related legislation, providing suggestions for relevant parties in enhancing FinTech adoption. Hence, the findings complement extant knowledge on financial inclusion and offer insights for improving uptake from an organizational perspective that may help policymakers and FinTech players accelerate usage, hence development in the emergent economy of India

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