Title: Digital Transformation in Retail Investment: The Impact of Fintech on Investor Behaviour and Decision-Making"
Authors: Mansi Divykant Shukla. Dr Manisha M. Surti
Volume: 10
Issue: 4
Pages: 110-115
Publication Date: 2026/04/28
Abstract:
The rapid growth of financial technology (FinTech) has significantly transformed the financial services sector by improving accessibility, efficiency, and convenience in investment activities. Innovations such as online trading platforms, mobile investment applications, robo-advisory services, and real-time analytics tools have changed the way investors interact with financial markets. This study examines the impact of FinTech innovations on investor behaviour, trading decisions, and risk perception, with a focus on retail investors. Using a descriptive research design, primary data were collected from 102 respondents through a structured questionnaire. The study analyses factors such as FinTech usage frequency, platform features, perceived benefits, and challenges in influencing investor behaviour. Statistical tools, including descriptive analysis, reliability testing, and regression analysis, were applied using SPSS software. The findings reveal that FinTech usage has a positive but weak impact on investment behaviour, while FinTech features significantly influence trading decisions. Additionally, perceived benefits positively affect risk perception, whereas challenges do not show a significant impact. The study concludes that FinTech innovations play a crucial role in shaping modern investment behaviour and decision-making processes.