Goda, N. R., Shetty, R. V., Jotaniya, N., Dhiman, T., & Chauhan, V. (2026). Fintech-Driven Transformation of Financial Markets and Investment Decision-Making: A Conceptual Study. International Journal on Research and Development - A Management Review, 15(2), 649–660. https://doi.org/10.65521/ijrdmr.v15i2.4735