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Sachin Awasthi

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Open access Sep 2026

Regional Banking Intermediation and Economic Development in India: Cross-State Empirical Evidence

Banking development is generally expected to promote economic development by mobilising savings, allocating credit and financing productive investment. However, India continues to exhibit substantial interstate differences in both banking activity and economic performance. This study empirically examines whether strong...

Shweta Yadav, Sachin Awasthi · 0 citations
Review Open access Aug 2026

Artificial Intelligence (AI)-Based Digital Payment Systems in India:Opportunities, Challenges, and Future Prospects

Artificial Intelligence (AI) is rapidly transforming India's digital payment ecosystem by improving trans­action security, operational efficiency, customer experience, and financial inclusion. The increasing adoption of AI-enabled technologies in digital payment platforms has enhanced fraud detection, risk management,...

Prity Deshbhrtar, Sachin Awasthi · 0 citations
Review

-Based Digital

It is concluded that AI can play a vital role in the future of India's digital payment ecosystem, provided its implementation is supported by effective governance, responsible AI practices, and a strong regulatory framework.

Prity Deshbhrtar, Sachin Awasthi · 0 citations

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