Exploring the Role of Fin-Tech in Shaping Retail Investment Behavior within the Banking Sector

Author(s)	Dr. Renati Jayaprakash Reddy, Ms. Shambhavi B. R
Country	India
Abstract	This study looks at how retail investors' investment behavior in the banking industry is affected by Financial Technology (Fin-Tech) services. The study, which uses a qualitative research methodology, is founded on an extensive analysis of the body of research on Fin-Tech, retail investment behavior, and trends in digital banking. The results show that by providing retail investors with more access to investment options, real-time market knowledge, and sophisticated decision-making tools, Fin-Tech has drastically changed the investment landscape. According to the report, retail investors that use Fin-Tech tend to be more tech-savvy, financially knowledgeable, and have higher faith in online platforms. Despite these advantages, worries about data security, privacy, and regulatory monitoring still impact investor confidence. In order to maintain trust and encourage further Fin-Tech adoption among retail investors, the study emphasizes the necessity of strong digital governance.
Field	Sociology > Banking / Finance
Published In	Volume 7, Issue 6, November-December 2025
Published On	2025-12-31
DOI	https://doi.org/10.36948/ijfmr.2025.v07i06.63360

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