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This paper aims to understand the emotional patterns of senior citizens when they digitally transact online and how the personality trait of neuroticism can be a vital part of being susceptible to fraud. The authors identify with the cognitive aspect of fear as a vista of neuroscience and behavioural finance in digital banking in today’s banking 5.0 where consumer centricity stands as one of the pillars of the Digital Payment Index of RBI.

This study is empirical and investigative in nature. Primary data has been collected through online questionnaires (via Google Forms) and the interview method to understand the phenomenology of fear and incidents related to becoming victims of fraud and its propensity.

The results exhibit that fear and emotional patterns do affect vulnerability and have a long-lasting psychological impact and susceptivity towards digital frauds.

Fear as an emotion is used to understand the emotional expressive patterns of senior citizens as consumers of digital banking. The OCEAN model is one of the widely used personality models at the global level. This research study helps in highlighting the nuances linked to the behavioural and cognitive part of fear in digital crime.

This research will be beneficial to reduce the susceptibility towards fraud from a behavioural perspective in the usage of digital banking and evaluate solutions for senior citizens to mitigate and cope up with the pressures and perils associated with digital frauds.

The banking sector requires a major comeback with the series of bank frauds that has shook the nation. The rising non-performing assets (NPAs) and corporate frauds find their roots in the top-level management or executive levels. The purpose of this study to analyse the behavioural component with corporate governance lapses for creating a trail and to what extent it can contribute to forensic analysis to help reduce and prevent fraud in the future.

This study is investigative in nature. This study uses case study approach by taking into account the major Advance–NPA–Fraud cases over period of 2010–2022. RBI data for bank advances, NPAs and advances-relate frauds from 2005 to 2019 were studies and interpreted for creating a trend and pattern for the reduction and prevention of frauds.

The authors found that behavioural factors and personalities affect the systems and culture of the company, thereby giving a jolt to the corporate governance mechanisms along with various entities like depositors, consumers and shareholders.

Assessing the behavioural aspects for risk mitigation remains unexplored in the banking sector. The personality dimension can help in contributing to comprehending the mental aspects and the reasons behind the combination of dark triads with economic offences.

This study is beneficial to all the beneficiaries of the banking sector and the economy at large in understanding the implications of risks because of patterns formed by emotions and vulnerability towards economic and fugitive economic crimes.

The banking industry faces increasing scrutiny from stakeholders regarding its environmental and social impacts, given its crucial role in fostering economic growth. Banks have been encouraged to adopt environmental, social and governance (ESG) practices to mitigate risks and safeguard their reputation. However, the effectiveness of ESG sensitivity within the banking industry is contingent upon ownership and structural factors. The extent to which banks can integrate ESG considerations into their operations and decision-making processes may vary based on their ownership structures. Therefore, this study aims to examine if the impact of ESG on the performance of Indian banks varies between private and public sector banks.

The study employs six years of panel data from two separate samples of 12 private sector banks and 10 public sector banks in India. It utilises fixed and random effect estimation techniques with robust standard errors to derive accurate and reliable econometric results.

The main findings of this study reveal intriguing insights into the relationship between ESG factors and bank performance, considering the influence of ownership structure. For private sector banks, the ESG composite score, particularly the social dimension, negatively impacts financial performance. However, there is a contrasting positive effect on efficiency. In contrast, public sector banks demonstrate a positive and significant association between the environmental score and return on equity and non-performing assets.

The findings highlight the need for tailored strategies that align with ownership structure to achieve sustainable financial and societal outcomes in the banking industry. Furthermore, it emphasises the need for private-sector banks to streamline their ESG initiatives, especially in the social dimension, to mitigate negative impacts on their financial performance.

This study introduces a novel dimension by addressing the “one size fits all” bias in prior research that overlooked bank ownership differences when examining the impact of ESG factors on bank performance.

The study examines whether the Basel-III regulations impact the financial performance, operational efficiency and resilience of Indian banks. Further, the study tests whether there is a variance in the impact between private- and public-sector banks.

The study uses panel data regression on data from 16 private- and 12 public-sector banks from the years 2016–2022. Random-effect estimation is used, and robust standard errors are calculated.

The main findings indicate that the Basel-III regulations related to capital and leverage boost public-sector banks' financial performance and resilience. However, a similar impact is not detected in the case of private-sector banks.

The findings signify that the Basel-III framework does not address the differences between public and private-sector banks. Therefore, the policy implications are of practical importance and indicate that Basel-III regulations should not be considered a one-size-fits-all type of bank. Instead, policymakers should consider the structural differences between private and public-sector banks concerning Basel-III regulations.

The study addresses a significant limitation of the Basel-III regulations, which, in their current state, somehow fail to account for the differences between the public- and private-sector banks.

While traditionally it was believed that shadow banking undercuts business from traditional commercial banks, the time has now arrived to examine the various innovative practices used by various shadow banks and non-banking finance companies (NBFCs) to explore various collaboration and competition possibilities. The parallel existence of the traditional and shadow banking systems creates a market environment where both the entities are inter-dependent for growth and development with their edge of advantages and snags. This study aims to investigate the development and growth of deposits in NBFCs and scheduled commercial banks (SCBs) and, through the adoption of innovative practices, highlights possible growth opportunities for both ahead.

This study uses yearly bank deposit data from 1998 to 2019. This study incorporates univariate autoregressive integrated moving average modeling to predict the future deposit growth of SCBs and NBFCs in India.

This study concludes that both the entities, i.e. NBFCs and SCBs, will experience deposit growth; however, the proportionate growth of deposits in SCBs will be higher than NBFCs.

This study concludes that the NBFCs will exhibit higher growth in the future. Thus, a strengthened regulatory framework will boost the growth of the NBFCs, providing a safe environment to the investor. Further, as this study primarily considers only deposit-taking NBFCs and commercial banks and a single variable – “deposit” to predict its future growth, it offers a scope for future research to consider and include other kinds of NBFCs like non-deposit taking NBFCs, housing finance companies, micro-finance Institutions and infrastructure finance companies.

A competently regulated financial system of an emerging economy confers tremendous growth opportunities to the financial institutions functioning in the system. Deposits are a significant parameter for the performance of the financial institution; thus, by keeping it as the underlying premise, this study forecasts the future growth in deposits for both the commercial banks and NBFCs. This forecasted growth in deposits for both entities, if analyzed and acted upon appropriately, can, apart from other opportunities for investment, be used to point at directional growth of the economy and the gross domestic product, considering that credit growth is a barometer for economic growth. The scope of this study is limited to NBFCs and SCBs of India and considers only a single variable, i.e. deposit for data analysis and growth forecasting.

The purpose of this study is to find out if there is a sequence or pattern to digital frauds and whether the openness quotient of any individual has a meaningful role to play in them becoming victims of digital frauds. The legal and regulatory angle of digital frauds and relief measures for social media openness and frauds are discussed to examine the connection between openness, identity data, visibility, vulnerability, digital frauds and social media sharing of information.

This study is empirical and investigative research. Primary data was collected via questionnaires circulated among participants from various age groups to understand the implications of different demographic factors such as age, websites used, profiles created and data shared on the internet, social media and e-commerce websites.

The results exhibit that the openness factor does affect vulnerability and has an influence on the risk and legal component of inclination towards digital frauds.

This research study results in bridging the gap by increasing the level of understanding and awareness in users toward achieving proactive and regulated behaviour and comprehending the violation of various acts of digital frauds and its implications, especially in the Indian banking sector.

This study will be beneficial to all individuals alike in understanding the implications of excessive openness toward digital platforms and evaluating generic and legal solutions to avoid becoming victims of digital fraud.