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@article{181735,
        author = {K. Uma},
        title = {Digital investment apps: shaping the future of finance},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {1},
        pages = {5140-5145},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=181735},
        abstract = {This study explores the evolving landscape of investments, focusing on the significant impact of digital investment apps, particularly among young Indian investors. Traditionally, Indian savings gravitated towards fixed deposits and gold. However, a notable shift has occurred towards equity markets, mutual funds, and digital assets like cryptocurrencies, driven by a desire for higher returns and long-term wealth creation. India’s demographic advantage, with a growing number of financially aware young professionals, further fuels this trend, as they increasingly utilize digital platforms for investments. The investor Behaviour Index(IBI) 2025 highlights the crucial role of digital platforms in democratizing investments, with 68% of respondents preferring them for investing and learning. These platforms offer features like AI-powered insights, real-time data, virtual trading, and educational resource, significantly reducing entry barriers for new investors. The benefits of digital investment apps over traditional methods include direct and instant order placement, access to multiple asset classes through a single app, comprehensive research reports, live feeds, paperless account opening, and faster transactions. They have made investments more affordable and accessible to a wider range of individuals by lowering minimum investment thresholds and fees. This research synthesizes existing literature to understand how digital investment platforms and AI empower individual investors, enhance financial literacy, and reshape investment behaviour globally, fostering greater financial inclusion and sustainable wealth creation.},
        keywords = {},
        month = {June},
        }