A Study Of Financial Literacy And Technological Integration Among Indian Retail Investors

Abstract

The research delivers into the critical importance of stock market awareness among investors for making efficient investment decisions. It examines the role of financial literacy in influencing investment behaviors, highlighting its correlation with wealth accumulation, risk management, and portfolio diversification. The study emphasizes the growing accessibility of financial information due to technological advancements and their potential to enhance decision-making efficiency. A descriptive research design and a simple random sampling technique were employed to analyze data from 500 retail investors, focusing on their awareness levels, investment behaviors, and the influence of real-time analytics. Findings reveal significant disparities in awareness across demographic groups and underscore the transformative role of technology in enabling informed investment decisions. The study identifies key knowledge gaps in areas like risk-adjusted returns and derivatives, emphasizing the need for targeted educational initiatives. By leveraging financial literacy programs, digital learning platforms, and real-time analytics, the research proposes actionable strategies to foster a culture of informed investing. This comprehensive approach aims to empower investors, enhance portfolio performance, and promote broader participation in financial markets, particularly in emerging economies like India.