2025, Vol. 6, Issue 2, Part T
Information processing and decision-making patterns of Indian retail investors: A behavioral and technological perspective
Author(s): Mannoj Agarwalaa and Sujit Sikidar
Abstract: This paper examines how Indian retail investors perceive, evaluate, and utilize financial information while making investment decisions. Drawing from secondary data sourced from peer-reviewed journals, industry reports, regulatory publications, and market surveys, the study evaluates the rapidly evolving investor landscape shaped by economic growth, digital transformation, and financial innovation. Although investors claim to rely on rational analysis, findings indicate strong influence of behavioral biases, socio-cultural norms, and unverified online information. Emerging fintech platforms have expanded access to investment tools but have simultaneously created challenges related to information overload and data misinterpretation. The study further highlights gaps in financial literacy, particularly among semi-urban and rural investors, due to disparities in education, accessibility, and trust in information sources. The paper concludes by recommending multifaceted strategies integrating behavioral insights, fintech-based interventions, and customized investor education to strengthen informed decision-making and enhance investor resilience in India’s dynamic financial ecosystem.
DOI: 10.22271/27084515.2025.v6.i2t.917
Pages: 1831-1836 | Views: 89 | Downloads: 39
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How to cite this article:
Mannoj Agarwalaa, Sujit Sikidar. Information processing and decision-making patterns of Indian retail investors: A behavioral and technological perspective. Asian J Manage Commerce 2025;6(2):1831-1836. DOI: 10.22271/27084515.2025.v6.i2t.917
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