Faculty Publications

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Scholarly Publications by Integral Academia

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    The Impact of Digital Banking on Financial Inclusion in India
    (Book Rivers, 2026) Mohammad Shams Khan, Firoz Husain
    Providing access to financial services to all individuals as well as enterprises is termed financial inclusion. Further, it is critical for economic growth and poverty reduction. The growing digital banking trend in India can be successfully used for the cause of financial inclusion in rural areas. In this study on digital banking and financial inclusion in India, the authors examine the role of mobile banking, internet banking and digital payment systems. The study used both quantitative and qualitative data. It sourced quantitative data from government reports, financial institution reports and qualitative data from interviews with actors in the field. According to the findings, access to financial services has been enhanced with convenience which also managed to have less transaction cost. Nevertheless, there are issues such as computer understanding, infrastructure problems, and safety of computers. As per the findings, recommendations are given to strengthen the role of digital banking in achieving universal financial inclusion in the country.
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    A Study on People’s Perception of Post Office Saving Schemes with Special Reference to Lucknow
    (Book Rivers, 2026) Deepanshi Dixit, Nazia Akhlaq
    The present study is an attempt to gauge the perception of people on Post Office Saving Schemes POSS of Lucknow, Uttar Pradesh. The aim of the study is to measure the investor’s awareness, preference and satisfaction towards Various Poss. The paper also addresses client issues and provides recommendations for improving the effectiveness and popularity of these programs. Information was collected from 70 respondents by using a structured questionnaire. Further, the results of the study were analysed descriptively. According to the outcome, POSS is safe, and reliable but their use is not that famous as people are unaware of them and the technology has not improved to their level. Based on the findings, MOST is going to suggest ways of improving customer satisfaction and increasing usage of POSS.
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    Economics and International Economic Relations in the Context of Global Transformations
    (National University of Shipbuilding, 2026) Amit Kumar Goel
    The global economic landscape has undergone profound transformations in recent decades due to technological advancements, geopolitical shifts, financial integration, and digitalization. These transformations have significantly reshaped international economic relations, influencing trade patterns, investment flows, financial systems, and policy frameworks. This study examines the evolving dynamics of the global economy, focusing on the role of globalization, digital transformation, and emerging economic powers in redefining international economic relations. The paper highlights the challenges and opportunities arising from these transformations and emphasizes the need for cooperative economic policies and institutional reforms to ensure sustainable and inclusive global growth.
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    Financial Inclusion in the Age of Artificial Intelligence A Sustainable Finance Prospective
    (978-93-7837-119-6, 2026) Rishika Awasthi, Priyanka Bajpai, Nabeel Mujtaba, Mohammad Faraz
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    Inside Microfinance Understanding and Evaluating Business Models
    (AKG Global Support Services (OPC) Private Limited, 2026) Aisha Badruddin
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    Digital Payment System: An Innovative Method of Banking
    (Individual Entrepreneur Liburkina L. M., Kharkiv Ukraine, 2024) Amit Kumar Goel, Yasir Arafta Elahi
    In an era defined by rapid technological advancements, digital payment systems have emerged as a cornerstone of modern banking. These systems, powered by the internet and mobile technology, have trans- formed how individuals, businesses, and governments transfer funds,pay for goods and services, and manage finances. By providing seamless, real-time financial transactions, digital payment systems are reshaping the global economy, increasing financial inclusion, and offering convenience that was once unimaginable. This research paper tries to analyse the recent development and innovation in the banking system, finding out the challenge faced by banking industries in implementing the digital payment system.