India’s financial inclusion has significantly improved during the last several years. In recent years, there has been a rise in the number of Indians who have bank accounts, with this figure believed to be close to 80% at present. Fintech businesses in India are progressively becoming more noticeable as the Government of India (GoI) continues to strive for expanding financial services to the underbanked sector of the population. To reach the underbanked segments of the population and provide a stable operating environment for fintech businesses, India must seek to increase financial inclusion. In this study, regression and correlation were employed, together with secondary data gathered from the RBI, to analyze this influence. The aim was to determine the impact of fintech and digital financial services on financial inclusion in India. According to the results, fintech businesses have significantly aided financial inclusion in this nation, especially for the middle class. These findings will be helpful for policy-makers working hard to bring every individual in this country into an organized financial system.

Background/Objectives: Vision 2030 of Saudi Arabia is an important project that mainly targets the reduction in dependency on the oil economy through the growth of non-oil Industries. This study investigates Saudi Arabia’s effort for Vision 2030 to incentivise investment in the non-oil industry’s growth. Material and Methods:A sample of 225 employees of the non-oil industries of Saudi Arabia was selected as sample participants. A survey was conducted for data collection, and SPSS software was used to analyse the data. Findings:The findings indicate that sig values for all tests were 0.000 < 0.05 to support the selection of an alternative hypothesis. Therefore, it can easily be determined from the analysis that a more robust relationship is present between Vision 2030 with incentivised investment, economic stability, and financial accommodation.The advantages of reform programs have been effective in non-oil industries of Saudi Arabia to increase production standards and obtain more customer engagement.Conclusion: This research contributes to providing a straightforward concept in Vision 2030, which is Saudi Arabia’s reform program to develop the economic condition of Non-Oil Sectors. Hence, reform in the policy for economic stability can help to maintain the growth of different sectors and can further support financial assets.

Building Information Modelling (BIM) has been more popular in the construction industry as a consequence of the many advantages it offers, such as increased productivity, improved project outcomes, and reduced expenses. However, there are many obstacles that must be overcome before BIM can be widely used. This research uses a poll of construction industry experts to investigate the challenges associated with using BIM in projects. Cost of implementation, inadequate standards and procedures, and a lack of knowledge with BIM were some of the hurdles that were measured in the study. Statistical techniques were used to examine the data, and the findings indicate that the high cost of implementation and the absence of sufficient standards and procedures are the two main obstacles to the widespread adoption of BIM. Problems with supply chain management and a lack of experience with BIM are also mentioned as obstacles. The report also suggests solutions, such as a more focused teaching effort on BIM-related issues and the creation of a specialised BIM curriculum. Professionals in the construction industry may utilise the study’s results to their advantage by expanding their knowledge of the obstacles standing in the way of widespread adoption of BIM.

Macroeconomic shocks and opportunities are considered to be a turning point of business decisions. This study seeks to examine the changing behaviour of institutional investors in Indian stock market in the changing macroeconomic scenario after global financial crisis (2008) for the period from 2008 to 2024. The study also provides a comparative analysis of domestic and foreign institutional investor’s investment behavior and examines the impact of macroeconomic shocks and opportunities on it. The macroeconomic shocks are proxy of the time period of global financial crisis and covid-19. The opportunities are measured by technological innovation, digital payment culture and stock market return. The institutional investors are classified broadly into two types, well known as Foreign Institutional Investors (FPIs) and Domestic Institutional Investors (DIIs). The trend and impact analysis are done by graphs and regression model. The impact of macroeconomic shocks and opportunities is measured by implying dummy variable Regression models and GARCH models. The finding suggests that the growth in purchase and sale of securities by DIIs is more than the FPIs after technological innovations (2016 onwards). The empirical analysis suggests that purchase bahaviour of both type of investors is highly attracted by market return. The sale behaviour is sensitive towards both macroeconomic shocks and return in the market. When the purchase of FPIs is higher, then sale of DIIs is higher and the positive of impact of purchase of FPIs is nullifying the negative impact of the DIIs. The GARCH model result suggests that the market return has provided stability to the institutional investment while shocks have generated volatility in the institutional investment of both foreign and domestic in the Indian stock market.