IOSR-JEF   Volume-16 ~ Issue-4 ~ Jul. – Aug. 2025

[1]. Alexander, N., 2025. BNPL fraud a growing threat to user experience [Industry article]. Bobsguide. Available at: https://www.bobsguide.com [Accessed 18 Jun. 2025].
[2]. Alloy, 2023. Embedded finance: Navigating risks and seizing opportunities [White paper]. Alloy. Available at: https://use.alloy.co/embedded-finance-whitepaper [Accessed 18 Jun. 2025].
[3]. Alloy, 2024. Seguin, S. (ed.) What fraud risks do sponsor banks face in the embedded finance ecosystem? Alloy Blog. Available at: https://www.alloy.com [Accessed 18 Jun. 2025].
[4]. Bello, O. and Olufemi, K., 2024. Artificial intelligence in fraud prevention: Exploring techniques and applications, challenges and opportunities. CSITR Journal, 5(6), Article 1252. https://doi.org/10.51594/csitrj.v5i6.1252.
[5]. Bin Hendi, T., 2025. Why embedded finance is a disruptive force financial institutions can’t ignore. World Economic Forum, 8 April. Available at: https://www.weforum.org [Accessed 18 Jun. 2025].

[1]. Amir, O., Mazar, N. and Ariely, D., 2008. The dishonesty of honest people: A theory of self-concept maintenance. Journal of Marketing Research, 45(6), pp.633–644.
[2]. Byrne, S., Putman, D., King, M. and Jang, C., 2024. Navigating the rise in non-institutional digital fraud: An experiment with micro enterprises in Nigeria. Trinity Economics Papers, No. 1224. Trinity College Dublin.
[3]. Chatham House, 2025. Taking action against corruption in Nigeria: Empathy, entrepreneurship and new approaches. Chatham House Research Briefing.
[4]. Cialdini, R.B., 2009. Influence: Science and practice. 5th ed. Pearson.
[5]. Cucinelli, D. and Soana, M.-G., 2023. Are financially illiterate individuals all the same? International Journal of Bank Marketing. Advance online publication. https://doi.org/ (insert DOI if known)..

[1]. Tripathi, S., & Japee, D. G. P. (2020). Performance evaluation of selected equity mutual funds in India. Gap Gyan-A Global Journal of Social Sciences.
[2]. Choudhary, V., & Chawla, P. S. (2014). Performance evaluation of mutual funds: A study of selected diversified equity mutual funds in India. In International Conference on Business, Law and Corporate Social Responsibility (Vol. 2, No. 10).
[3]. Venkatesh, P., & Revathi, D. S. (2020). A Study on Performance Analysis of Selected Mutual Fund Schemes in India. Solid State Technology, 63(2S).
[4]. Sharma, K., & Joshi, P. (2021). A Comparative Study on Performance Evaluation of Selected Debt, Equity and Hybrid Mutual Fund Schemes In India. Gap Gyan-A Global Journal of Social Sciences, 4(2), 34-40.
[5]. Birla, A. (2023). “A Comparative Study of Mutual Fund Schemes of ICICI, HDFC

[1]. Abdolshah, M., Khatibi, S. A. M., & Moghimi, M. (2018). Factors influencing job satisfaction of banking sector employees. Journal of Central Banking Theory and Practice, 7(2), 113-133. https://doi.org/10.2478/jcbtp-2018-0009
[2]. Abid, M. N., Siming, L., Chao, H., Shahzad, F., & Khan, A. (2025). Enhancing faculty teaching performance through constructive leadership with a mediating role of job satisfaction. Scientific Reports, 15, 13454. https://doi.org/10.1038/s41598-025-97426-0
[3]. Aghimien, D., Aliu, J., Akinradewo, O., Aghimien, L., Aigbavboa, C., & Ditsele-Rapodile, K. (2024). PLS-SEM assessment of the impact of job satisfaction on the organisational commitment of women quantity surveyors. International Journal of Construction Management, 25(1), 115-123. https://doi.org/10.1080/15623599.2024.2304485
[4]. Ahakwa, I., Yang, J., Tackie, E. A., & Atingabili, S. (2021). The influence of employee engagement, work environment and job satisfaction on organizational commitment and performance of employees: A sampling weights in PLS path modelling. SJOM, 4(3), 34-62. https://doi.org/10.33215/sjom.v4i3.641
[5]. Alnehabi, M., & Al-Mekhlafi, A. A. (2025). Exploring the influence of the critical factors on intentions of employee turnover in the banking segment: A comprehensive mediating analysis. BMC Psychology, 13(1), 187. https://doi.org/10.1186/s40359-024-02302-7

[1]. The Planning Commission of India published a report in 2013 titled, "Report on Pension Reformation".
[2]. The official website can be found at www.finmin.nic.in.
[3]. The National Pension System Trust released a document called, "An Insight into the National Pension System 2021".
[4]. The Ministry of Labour and Employment, Government of India, issued the "National Policy on Pension, 2020".
[5]. The Ministry of Finance, Government of India, presented the "National Pension Scheme, 2004

[1]. Pettit, J. (2001). Is a share buyback right for your company?. Harvard Business Review, 79(4), 141-148.
[2]. Otchere, I., & Ross, M. (2002). Do share buy back announcements convey firm-specific or industry-wide information?: A test of the undervaluation hypothesis. International Review of Financial Analysis, 11(4), 511-531.
[3]. Kahle, K. M. (2002). When a buyback isn’t a buyback: Open market repurchases and employee options. Journal of Financial Economics, 63(2), 235-261.
[4]. Eberhart, A., & Siddique, A. R. (2004, November). Why are stock buyback announcements good news?. In AFA 2005 Philadelphia Meetings Paper.
[5]. Mishra, A. (2005). An empirical analysis of share buybacks in India. ICFAI Journal of Applied Finance, 11(5), 5-24

[1].
Bhatjoshi, K. (2016). Correlation analysis of Nifty banking stocks with benchmark indices. Journal of Financial Studies, 8(4), 45-57.
[2].
Desai, R., & Mehta, P. (2023). Risk-return analysis of mid-cap Nifty stocks: Implications for balanced portfolios. International Journal of Business Finance, 11(2), 101-117.
[3].
Gupta, A., & Sinha, R. (2021). Energy sector performance within Nifty Index: Correlations with global factors. Indian Journal of Economic Studies, 15(1), 56-73.
[4].
Mishra, S., & Iyer, V. (2023). Portfolio optimization using SIM and Modern Portfolio Theory for Nifty stocks. Investment Research Quarterly, 7(3), 89-104.
[5].
Narayan, R., & Bose, S. (2020). Comparative risk-return analysis of private and public banking stocks in India. Journal of Banking and Finance Studies, 12(3), 35-49.