Role of FinTech Apps in Increasing Investment Decisions: A Study on the Capital Market

The proliferation of FinTech apps has democratized access to financial services, empowering individuals and businesses to take greater control of their finances. These apps have catalyzed financial innovation, disrupted traditional business models, and fostered competition in the financial industry. Moreover, FinTech apps have the potential to drive economic growth, promote financial literacy, and advance financial inclusion on a global scale. FinTech applications have played an important role in the creation of an arena where information is collected, stored, and processed to make the best decisions of investment. This has boosted the investment and increased the activity in capital markets when considered from the investors’ point of view. Capital markets have always been an important place for investors to invest in long-term securities with a maturity of more than one year. Primary as well as secondary markets are part of it. People invest in securities expecting a return in the form of capital gains and/or income. The role of FinTech applications in facilitating various investment decisions has also opened doors to retail investors in capital markets. Traditionally, retail investors have been overlooked because they are perceived not to have enough capital to invest, be too risk-averse, and be too costly to service. Both quantitative and qualitative data have been used. 150 online surveys were used to gather primary data. The outcome from this study showed a major shift in stock market investors towards digital connection due to various reasons. Some cultural and behavioral effects have been found among the investors for the financial transactions.