Journal of Engineering Technology and Sciences

This study examines the perceptions of retail investors in India toward stock broking / trading mobile applications, and investigates which factors (trust, cost, usability, information quality, social influence, risk perception, etc.) significantly influence both their intention to adopt and actual usage of these apps. Using a structured questionnaire, data was collected from 400 respondents across metro and non-metro cities. The analysis employs exploratory factor analysis, regression, and mediation/moderation models. Findings indicate that perceived security & privacy, information quality, and cost transparency have strong positive effects on adoption intention. Risk perception mediates between cost & trust and intention; digital literacy moderates effects of social influence. Implications for app developers, brokers, regulators are discussed.

Keywords : Retail Investors Stock Trading Apps Adoption Intention Risk Perception Information Quality

Author : Dr. Venkateswarlu Chandu ,Mohammad Abdul Ameen Ali Baig , Shaik Jakhir , Nawaz Fouzi ,Maddala Sri Venkata Sai Seshagiri Rao

Title : Investors Experience on Stock Trading Mobile Applications in Indian Context

Volume/Issue : 2025;02(08)

Page No : 01-05

This study examines how financial technology (FinTech) contributes to the growth of entrepreneurship in India. It explores enabling factors (such as digital payments, online lending, financial inclusion infrastructure, and regulatory support) and inhibiting factors (digital literacy, regulatory hurdles, costs, trust). Using primary survey data from 300 new entrepreneurs across metro and non-metro areas, combined with secondary data and qualitative interviews, the paper analyses the extent to which FinTech tools have reduced barriers to starting and scaling up businesses. The findings suggest that FinTech significantly lowers entry barriers, improves access to finance, enhances operational efficiency, and supports business growth; yet obstacles like regulatory ambiguity, cyber security risks and lack of awareness still limit full potential. Policy implications and suggestions for ecosystem actors are discussed.

Keywords : FinTech, Entrepreneurship, MSME, Financial Inclusion, Digital Lending, India

Author : Dr. Venkateswarlu Chandu¹, Dr. K. Pradeep Reddy², Anumolu Naga Bhargavi³, Tammana Venkata Naga Sai Lohith?, Dendukuri Sri Sai Chaitanya Raju?, and Jampani Harsha Vardhan?

Title : Role of Fintech in Promoting Entrepreneurship in India

Volume/Issue : 2025;02(08)

Page No : 06-11

Search Engine Optimization (SEO) is now an integral part of online advertising. It assists companies in appearing higher in Google search results, without having to pay for advertisements. When consumers search online for a product, most of them select the first results they find. This means that SEO is essential for companies that wish to get their customers to search for them.This study focuses on the ways in which SEO influences the way that customers interact with businesses on the internet. We're interested in knowing what factors, like selecting the correct keywords, obtaining connections to other websites to connect to your website as well as creating content that is helpful, and fixing problems with websites, will make your website work better. We want to find out what our customers have to say about websites that employ proper SEO techniques.The study will employ surveys and research that are already in place to examine the effectiveness of SEO with other methods for marketing. We're looking to determine whether SEO improves trust among clients over time, while things like paid advertisements are only effective for a brief time.We are expecting to see that a good SEO does more than help people find a company but also improves customers' experience when they visit the site more enjoyable. This could result in happy customers and more inclined to return and purchase from the same business again. The conclusion is that companies that invest time and money in SEO are likely to establish stronger relationships with their clients on the internet.

Keywords : Search Engine Optimization (SEO), Digital Marketing, Consumer Interaction, Online Advertising, Customer Trust

Author : Dr. Y. Venkata Ramana¹, Bayya Bharath², Shaik Mohammad Zafar Sadiq³, Amara Veena Kumari?, and Pullamsetti Bharath?

Title : SEO's Function in Digital Marketing and How It Enhances Consumer Interaction

Volume/Issue : 2025;02(08)

Page No : 12-18

This research examines the pre-investment perceptions of individual investors toward Non-Banking Financial Corporations (NBFCs) in India. Despite NBFCs' increasing significance in the financial ecosystem, many investors remain hesitant due to concerns over risk, transparency, and institutional trust. The study identifies key factors that shape investor perceptions before investing, including risk perception, the quality of available information, and the regulatory environment in India. Using a structured questionnaire and regression analysis, the research highlights the role of regulatory trust and financial transparency in shaping investment intentions. The paper offers practical insights for NBFCs to improve investor communication and engagement strategies.

Keywords : Listing Gains, Initial Public Offering, Discount Price, Grey Market, NBFC’s

Author : Dr. Y. Venkata Ramana¹, Swarnajeet Shingh², Korada Pavithra³, Vemula Durga Prasad?, and Bojja Lohitha?

Title : Pre-Investment Perception of Investors in Non-Banking Financial Corporations (NBFCs) in India: A Study on Determinants and Investment Behavior

Volume/Issue : 2025;02(08)

Page No : 19-26