Published Paper Details:

The emergence of the digital revolution has significantly changed the financial landscape in India, with major consequences for individual investors. This study explores the complex effects of digitization on the actions, choices, and results of retail investors in India. This study attempts to provide a thorough overview of these changing dynamics and understand the impact of digitization on the financial decisions made by retail investors through a thorough review of the body of existing literature. At the same time that internet accessibility has increased and mobile-based financial services have proliferated in India, initiatives like Digital India have played a critical role in advancing digital financial inclusion. Careful examination of the corpus of research points to a progressive move away from traditional investment strategies and toward digital platforms. As more and more retail investors use digital financial services, things like ease of use, accessibility, and up-to-date information become critical. Under the direction of the Securities and Exchange Board of India, regulations have been modified to allow for digital investment platforms while maintaining investor protection and transparency (SEBI). The conclusions drawn from the literature review are supported by statistical analyses of market trends and highlight the revolutionary effects of digitization on the behaviour of retail investors, including risk management, investment preferences, and trading frequency. The purpose of this study is to provide insightful information to help investors make wise choices when it comes to investing in digital assets. Furthermore, it aims to enhance understanding of the significant impact of digitization on Indian retail investors. The paper also emphasizes how important regulatory bodies are in dealing with cybersecurity, data privacy, and transparency issues in the rapidly changing digital financial industry. Future studies may examine the long-term effects of digitization on retail investors' financial security in addition to the dynamic role that fintech and digital platforms play in the Indian investment landscape.