Important Details
IJCRT - International Peer Reviewed, Open Access Journal, Multidisciplinary, Monthly, Nominal(Low) Fees for Professional Research Services International Journal of Creative Research Thoughts - IJCRT Peer Review Journal, Refereed Journal, Peer Reviewed Journal , Referred Journal and Indexed Journal, Open access, Online and Print Journal,international Journal Open Access, Accepted by Indian and foreign university ,IJCRT Followed Norms, guidelines, requirement, listing criteria and methodology of score/point also applied from: Scopus , Web of Science , UGC Approved , UGC CARE, UGC-CARE .
UGC Approved Journal No: 49023 (18)
UGC approval Link
https://ijcrt.org/ugc%20approval.jpg
All Policy and Approval
Please Like Our Facebook Page | CrossRef DOI and Hard copy of Certificate Provide if required. | www.IJCRT.org | editor@IJCRT.org | WhatsApp: 7990172303
Publication Details:
- Paper Submission : 28-Feb-2026. Call For Paper (Volume 14 | Issue 1 | Month- January 2026)
- Acceptance/Rejection Notification: Within 02-04 Days.
- Paper Publish: Within 02-04 Days after submitting all documents.
-
Submit Your Paper Any time There No deadline.
-
Publication fees : 1570 INR for Indian author & 59$ for foreign International author.
Please Like Our Facebook Page | CrossRef DOI and Hard copy of Certificate Provide if required.
Licence and Indexing
Indexing In Google Scholar, SSRN, ResearcherID-Publons, Semantic Scholar | AI-Powered Research Tool, Microsoft Academic, Academia.edu, arXiv.org, Research Gate, CiteSeerX, ResearcherID Thomson Reuters, Mendeley : reference manager, DocStoc, ISSUU, Scribd, and many more | High Impact Factor: 7.97 | Digital object identifier (DOI) and Hard Copy of certificate Provided.
Licence
DOI
ISSN Approved impact factor: 7.97 
Creative Common 
Valid as per new UGC Gazette regulations 
INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)
International Peer Reviewed & Refereed Journals, Open Access Journal
IJCRT Peer-Reviewed (Refereed) Journal as Per New UGC Rules.
ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
Call For Paper - Volume 14 | Issue 1 | Month- January 2026
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(CrossRef DOI)
Contact Us Click Here
WhatsApp Contact Click Here
Published Paper Details:
Perceived Institutional Volatility and Green Bond Scalability: A Mixed-Methods Study in India
Authors
Dr Muntazir,Dr. Adeel Hussain Allie
Downlaod Center
Keywords
Awareness, Credit Access, Safety, and Trust in Technology
Abstract
The rapid growth of Financial Technology (FinTech) has been a key driver in enhancing financial inclusion, particularly in rural India. This study investigates the post-pandemic adoption of digital payments in rural India, focusing on behavioural aspects such as savings, credit access, payment/transaction efficiency, and safety. The COVID-19 pandemic has intensified the reliance on digital solutions, yet there is a gap in understanding the behavioural factors influencing the adoption of FinTech in rural areas. This research employs a mixed-method approach, using stratified and convenience sampling methods to select a sample of 400 respondents from rural villages in Gurugram, Srinagar, Pune, and Hyderabad. Structured questionnaires are used to collect data on digital payment usage, socio-economic factors, and perceptions towards digital financial services.
The findings highlight that awareness and knowledge (AAK) significantly impact financial inclusion (FI), with a path coefficient of 0.228, followed by safety (SAF) and credit access (CA), both demonstrating positive contributions. The role of payment technology (PAT) was found to have the weakest effect on financial inclusion, indicating that while technological solutions are important, they must be combined with trust and financial literacy to drive meaningful change. The study confirms that the perceived safety of digital transactions plays a critical role in adoption, particularly in rural settings where digital literacy may be lower.
The R-squared value of 0.405 suggests that the independent variables (AAK, CA, PAT, SAF, and TIT) collectively explain 40.5% of the variance in financial inclusion. Furthermore, the research shows that perceived safety and trust in technology are significant determinants in the adoption of digital payments, underlining the importance of secure and trusted digital platforms for enhancing financial inclusion.
The study contributes to the understanding of how FinTech platforms influence financial inclusion in rural India, offering insights into how awareness, access to credit, safety, and trust shape adoption behaviors. The findings have important policy implications for improving digital payment systems, ensuring their accessibility and safety, and ultimately driving greater financial inclusion in rural India
IJCRT's Publication Details
Unique Identification Number - IJCRT25A4507
Paper ID - 281169
Author type - Indian Author
Page Number(s) - m856-m865
Pubished in - Volume 13 | Issue 4 | April 2025
DOI (Digital Object Identifier) -
No Of Downloads - 83
Author Country - India, 190017, Srinagar, Srinagar, 190017, Management All
Publisher Name - IJPUBLICATION | www.ijcrt.org | ISSN : 2320-2882
E-ISSN Number - 2320-2882
Published Paper PDF : - http://www.ijcrt.org/papers/IJCRT25A4507
Published Paper URL: : - http://ijcrt.org/viewfull.php?&p_id=IJCRT25A4507
Published Paper PDF Downlaod: - download.php?file=IJCRT25A4507
Download Your article
Cite this article
Dr Muntazir,Dr. Adeel Hussain Allie, "Perceived Institutional Volatility and Green Bond Scalability: A Mixed-Methods Study in India", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.13, Issue 4, pp.m856-m865, April 2025, Available at :http://www.ijcrt.org/papers/IJCRT25A4507.pdf
License
Article Preview
Types of Articles invited
Research Papers, Survey Papers, Study Papers, Subjective Papers, Experimental Result Papers, Analysis Study Research Papers, Informative Article, Comparison Papers, Case Studies Papers, Review Papers, Comparative Studies, Dissertation Chapters, Research Proposals or Synopsis, Working Projects, New Innovation & Idea, Prototypes and Models and many More
Call For Paper
About IJCRT (Refereed Journal, Peer Journal and Indexed Journal )
About IJCRT
The International Journal of Creative Research Thoughts (IJCRT) aims to explore advances in research pertaining to applied, theoretical and experimental Technological studies.
The goal is to promote scientific information interchange between researchers, developers, engineers, students, and practitioners working in and around the world.
IJCRT is Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool), Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI)
The open access supports the rights of users to read, download, copy, distribute, print, search, or link to the full texts of these articles provided they are properly acknowledged and cited.
Indexing In Google Scholar, SSRN, ResearcherID-Publons,
Semantic Scholar | AI-Powered Research Tool, Microsoft Academic, Academia.edu, arXiv.org, Research Gate, CiteSeerX, ResearcherID Thomson Reuters, Mendeley : reference manager, DocStoc, ISSUU, Scribd, and many more
International Journal of Creative Research Thoughts (IJCRT)
ISSN: 2320-2882 | Impact Factor: 7.97 | Impact Factor: 7.97 and Monthly-Peer-reviewed, and Refereed Journals.
Open Access Processing Charges or Publication fees with free DOI : ₹1570 INR for Indian author & 59$ for foreign International author.
Refereed Journal, Peer Journal and Indexed Journal
Publication Issue Frequency : Monthly (12 issue Per Year Annually)
Journal Discipline and Subject : Multidisciplinary,Monthly,Multilanguage (Regional language supported) .
Publisher and Managed By : IJPUBLICATION (ijpublication.org).
Publication Supported Languages: Allow All Multiple Languages (Regional language supported).
Provide DOI and Hard copy of Certificate.
High impact factor and 50+ index database and Fast paper publication.
Nominal Fee for Professional Research Services, Low cost research journal.
Publication Guidelines : COPE Guidelines
Quick, Fast, automatic Speedy Review and publication Process
Notification of Review Result and publication - Within 02-03 Days.
Provide Free e-certificate to all author and DOI (Digital Object Identifiers) to All Paper.
Download all digital data from website anytime lifetime available.
Indexing of paper in all major online journal databases.
Low Publication Charge 1570 INR per single paper Publication with Maximum 5 Author for indian author & 59$ for foreign International author.
Paper Submission Till : 29 January 2026
Review Results (Acceptance/Rejection) Notification : Within 02-03 Days
Paper Publication Time : Paper Publish: Within 02-03 Days after submitting all the required documents.
Submit your Paper Submit your paper
Call For Paper (Volume 14 | Issue 1 | Month- January 2026)
Licence and Indexing
Indexing In Google Scholar, ResearcherID Thomson Reuters, Mendeley : reference manager, Academia.edu, arXiv.org, Research Gate, CiteSeerX, DocStoc, ISSUU, Scribd, and many more | High Impact Factor: 7.97 | Digital object identifier (DOI) and Hard Copy of certificate Provided.
Licence
DOI
ISSN Approved Impact Factor: 7.97
Creative Common
Valid as per new UGC Gazette regulations 
Features
Impact Factor: 7.97 and ISSN approved. Impact Factor: 7.97 Calculated by google scholar Call For Paper (Volume 14 | Issue 1 | Month- January 2026) Quick, Fast, automatic Speedy Review Process Notification of Review Result - Within 02-03 Days. Publication of Paper - Within 02-03 Days.
Provide Free DOI(Digital Object Identifiers) to All Paper. Provide Hard copy of certificate based on request. Indexing of paper in all major online journal databases. SEO effective and Automated Metadata Citation Generator.
Open-Access peer reviewed International Journal Fully Automated and Secure https Website Author can Check Publication Process status online. EMail and SMS notification to the author for each Process stage. Paper and Soft Copy of "Certificate" Available life time on website.
Qualifed & Experience Reviewers from Well-known Institutes/Universities among the world. Social Media, Email and Call Support 24*7. Google Scholar, ResearcherID Thomson Reuters Indexing. Author Research Guidelines & Support.
Indexing Partners
Call For Paper January 2026
Call For Papers
January 2026
Volume 14 | Issue 1
Last Date :
28-Feb-2026
Submit Manuscript Online Impact Factor: 7.97 Review Results : Within 02-03 Days Paper Publication : Within 02-03 Days
January 2026
Volume 14 | Issue 1
Last Date :
28-Feb-2026
Submit Manuscript Online Impact Factor: 7.97 Review Results : Within 02-03 Days Paper Publication : Within 02-03 Days
Published Issue Details
For Authors
Forms / Downloads
Other IMP Links
Indexing Partner
Research Area
LICENSE
ISSN and 7.97 Impact Factor Details
ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
ISSN and 7.97 Impact Factor Details
ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
DOI Details
CONFERENCE
CONFERENCE MANAGMENT & PUBLICATION CONFERENCE PROPOSAL
RECENT CONFERENCE
CONFERENCE PROPOSAL CONFERENCE PROCEEDINGS
CONFERENCE PROPOSAL CONFERENCE PROCEEDINGS
For Reviewer /Referral (RMS) Earn 500 per paper
Important Links
NEWS & Conference
Digital Library
IJCRT RMS | Earn 500 Per Paper.
Open Access
LICENSE
Indexing Partner
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(DOI)
