Impact of Digital Platforms on Investor Decision-Making in Indian Financial Institutions (With Special Reference to HDFC Bank, Groww, SBI Mutual Fund)”

"Impact of Digital Platforms on Investor Decision-Making in Indian Financial Institutions (With Special Reference to HDFC Bank, Groww, SBI Mutual Fund)”

(Jahanvi Sehgal)
(Roll No.- 23GSOB2010255)

ABSTRACT-

Digital platforms have revolutionized the way investors interact with financial markets, offering seamless access to investment options through mobile apps, websites, and online advisory tools. In India, financial institutions like HDFC Bank, Groww, and SBI Mutual Fund are increasingly adopting digital technologies to simplify investing and improve investor engagement. The integration of features such as data visualization dashboards, automated recommendations, real-time market updates, and user-friendly interfaces has significantly influenced investor decision-making behavior. These platforms not only provide convenience but also empower investors to make informed financial choices with greater confidence. Especially in the post-pandemic digital shift, more retail investors are turning to these platforms for managing mutual funds, SIPs, and stock portfolios. This study, through a qualitative and quantitative review of existing literature and survey responses, aims to explore how digital platforms impact investor decision-making, with a focus on trust, usability, accessibility, and behavioral trends in the Indian context.

Keywords: Digital Platforms, Investor Decision-Making, Financial Institutions, Fintech, Online Investing, Behavioral Finance, Investment Apps, Retail Investors in India.