भारत मे फिनटेक नवप्रेरणा से डिजिटल व्यावसायिक प्रगती एक विश्लेषणात्मक अध्ययन

Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 47  . 1, .  .  2 1   , . .  2 ,   . .  Email: [email protected] Manuscript ID: JRD -2025-171108 ISSN: 2230-9578 Volume 17 Issue 11(A) Pp. 47-55 November. 2025 Submitted: 16 Oct. 2025 Revised: 26 Oct. 2025 Accepted: 10 Nov. 2025 Published: 30 Nov. 2025     . . , ,  .    .   .  . , - , , , .   ,  .  , . "    "  . ,  ,  ,     .   . , , ,  .   . : , , , , , , - , .  , , , ,   ,  . ,  , ,  ,  CRED . . financial technology . . . (- ): .    . Quick Response Code: Website: https://jrdrvb.org/ DOI: Creative Commons (CC BY-NC-SA 4.0) This is an open access journal, and articles are distributed under the terms of the Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International Public License, which allows others to remix, tweak, and build upon the work noncommercially, as long as appropriate credit is given and the new creations ae licensed under the idential terms. Address for correspondence: . ,   , . .  How to cite this article: ,  .  , (2025).  Journal of Research & Development, 17(11), 47-55. Original Article Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 48 Source : online images from ms word. 2025  1918   1950  ( )  2.0 (1967-2008) : ,   1967   , 1971  , 1973  1980  1990  3.0 (2008- ) :  . 2008 ,    : (2009)  , . , 2011 , 2014  , - -   . , 1998 , 1990 - ,  -    .       .   . . ( ) . .    .   /  ,   /   ,   ,   ,   , ,  . .   . : 1) (Kandpal & Mehrotra, 2019)  .   . . 2) (Asif, M., Khan, M. N., Tiwari, S., Wani, S. K., & Alam, F. (2023) ) ,       .  .   .  Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 49   .    . ,  .  . . .  , ,  3) (Pooja & Panigrahi, 2024)  . .   . ,    . , . ,  .  . 4) (Gupta & Lahiri, 2025)  .  . , (BNPL)  .    ,    .     . 5) (Sharma et al., 2023)  . . , , , , , ,  . 1.  (ERP)  2. . Zoho Books, Vyapar . . 3.   4.  , , 5.ESG ( ,  )   1.  (ERP)  . 2. . Zoho Books, Vyapar . . 3.   . Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 50 4.  , . 5.ESG ( ,  )   :   .    .    . : , , , , .    Google Form    (responses)  Likert Scale (1 5 ) , 1 = 2 = 3 = , 4 = 5 = - , (Grouped Data)  (Mean), (Median)  (Mode) ,  1.  (Mean): Mean = Σf x / Σf , f = (frequency) x = (class mark) 2. (Median): Median = L + [(N/2 - F) / f] × h , L = N = F = f = h = (class interval) 3. (Mode): Mode = L + [(f1 - f0) / (2f1 - f0 - f2)] × h , L = f1 = Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 51 f0 = f2 = h = : 1.  (ERP)  . ERP .  .  .  (MEAN) 3.94 (MEADIAN) 4.00 (MODE) 4 (STANDERD DEVIATION) 0.86 :    ERP  .    . 2. . Zoho Books, Vyapar . . Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 52 .    .   .  . (VALUE)  (MEAN) 4.08 (MEDIAN) 4.00 (MODE) 4 (STANDERD DEVIATION) 0.79 :  .   . 3.   . .  . (cash flow) .  (VALUE)  (MEAN) 3.88 (MEDIAN) 4.00 (MODE) 4 (STANDERD DEVIATION) 0.82 :  . 4.  , . Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 53 . .  . (VALUE)  (MEAN) 3.76 (MEDIAN) 4.00 (MODE) 3 (STANDERD DEVIATION) 0.91  .    . 5.ESG ( ,  )   , ,  . ESG . ESG   . ESG  . (VALUE)  (MEAN) 4.02 (MEDIAN) 4.00 (MODE) 4 (STANDERD DEVIATION) 0.77 Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 54    ESG .   . (Source: Primary Data Analysis, 2025) 1. .   . ERP . ERP . 2. .   .  .   . 3.  . .  .  . 4.  . . ERP . ESG . 5.  . 1. ERP    . -  MSME ERP  . 2.  . 3.     4.  ESG   5. behavioral finance tools  gamified saving systems   . , , ,  ESG  3.9  ,“  ,  .  , ,  MSME    . (Sustainable Finance)    engagement Acknowledgement “The author has taken conceptual assistance from AI-based language tools (ChatGPT, OpenAI) only for linguistic clarity and structural organization. The analysis and interpretations are original.” “The questionnaire was designed with AI assistance and finalized by the researcher for academic purposes.” “The data analysis process was supported using ChatGPT (OpenAI, 2025) to assist in preliminary code generation and interpretation. Final analyses and conclusions were conducted and verified by the author.” “Data analysis and interpretation were assisted using AI-based statistical tools for summarization and descriptive analysis (ChatGPT, 2025).” Journal of Research and Development A Multidisciplinary International Level Referred and Double Blind Peer Reviewed, Open Access ISSN : 2230-9578 | Website: https://jrdrvb.org Volume-17, Issue-11(A)| November2025 55 1. Gupta, M. K., & Lahiri, D. M. M. (2025). Digital Transaction in Indian Payment EcosystemA Comprehensive Analysis. Journal of Marketing & Social Research, 2, 223–229. https://doi.org/10.61336/jmsr/25-05-25 2. Kandpal, V., & Mehrotra, R. (2019). FINANCIAL INCLUSION: THE ROLE OF FINTECH AND DIGITAL FINANCIAL SERVICES IN INDIA. 3. Pooja, M., & Panigrahi, G. (2024). Analytical Study of FinTech in India – A Special Reference to UPI Sector. JETIR, 11(5), 714–721. www.jetir.org 4. Sharma, S. K., Ilavarasan, P. V., & Karanasios, S. (2023). Small businesses and FinTech: A systematic review and future directions. Electronic Commerce Research, 1–41. https://doi.org/10.1007/s10660-023-09705-5 5. Asif, M., Khan, M. N., Tiwari, S., Wani, S. K., & Alam, F. (2023). The Impact of Fintech and Digital Financial Services on Financial Inclusion in India. Journal of Risk and Financial Management, 16(2), 122. https://doi.org/10.3390/jrfm16020122