International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 7, Issue 3 (May-June 2025) Submit your research before last 3 days of June to publish your research paper in the issue of May-June.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 7 Issue 3
May-June 2025

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

The Influence of Digital Literacy on Employee Confidence and Risk Management in Promoting and Selling Investment Products in Banking

Author(s) Ms. Ashwitha Shetty, Dr. G Suresh
Country India
Abstract Digital literacy is a critical factor shaping employee performance and the successful adoption of investment products in banking institutions, particularly amid the evolving digital financial landscape. This study investigates the interplay between digital literacy, employee performance, risk management, and the acceptance of banking investment products. Drawing upon existing literature and empirical data, the research examines how varying levels of digital literacy influence employees’ efficiency, communication, and capacity to guide clients through complex investment options while maintaining compliance with risk management protocols. Emphasis is placed on the employees’ ability to leverage digital tools to detect and mitigate risks, including regulatory non-compliance, misinformation, and cybersecurity threats. The study highlights that enhanced digital proficiency not only improves productivity but also strengthens trust between banks and customers by ensuring accurate, secure, and transparent investment processes. The findings underscore the necessity for banking institutions to priorities digital literacy training, integrate advanced risk management tools, and tailor customer engagement strategies in line with evolving technological demands. These insights have vital implications for policy formulation, talent development, and digital transformation efforts within the financial sector, ultimately contributing to a more resilient and customer-centric banking environment.
Keywords Digital literacy, employee performance, investment products, financial landscape, risk management, consumer behaviour
Field Business Administration
Published In Volume 7, Issue 3, May-June 2025
Published On 2025-05-23
DOI https://doi.org/10.36948/ijfmr.2025.v07i03.45342
Short DOI https://doi.org/g9mh9v
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI is assigned to each research paper published in our journal.

IJFMR DOI prefix is
10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 7 Isu 3Cover Page Vol 7 Isu 2Cover Page Vol 7 Isu 1

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com