Impact of Digitalisation on the Investment Habits of Public Sector Employees and Private Sector Employees with Special Reference to Guwahati, Assam

Puja Jalan, Juliet N. Tuolor

Abstract: Digitalisation is one of the essential processes of technological changes. It is an adaptation of a system, process, etc. to be operated with the use of computers and the internet. It has led to the automation of various manufacturing and manual processes, resulting in improved efficiency in certain industries. The financial industry and how business deals are transacted have undergone significant transformation due to the discovery of digitalization, which has revolutionized the way finance is done. It has become a lot easier to transact financial services at the tip of our fingers. Digitalization has resulted in the advancement of investing money in the country. An investment is an asset that is created with the purpose of boosting the growth of wealth over time and ensuring that future financial needs are met. Digitalisation however is not free from flaws, it still has some disadvantages such as risk of failure, security concerns etc. Nonetheless, digitalisation has turned the world upside down for almost all industries. It has impacted several sectors of the economy. Nearly every social and occupational transaction now occurs through modern information technologies. This paper is an attempt to study the impact of digitalisation on the investment habits amongst the employees of Assam with special reference to Guwahati. It also attempts to conduct a comparative study of the investment habits of public and private sector employees. In addition, it aims to identify crucial factors that influence investment decisions. Furthermore, this paper endeavors to provide suggestions so as to enhance the online investment system.

Keywords: Digitalisation, Investment, Technologies, Financial, Employees, Assam

How to Cite?: Puja Jalan, Juliet N. Tuolor, "Impact of Digitalisation on the Investment Habits of Public Sector Employees and Private Sector Employees with Special Reference to Guwahati, Assam", Volume 14 Issue 11, November 2025, International Journal of Science and Research (IJSR), Pages: 1935-1939, https://www.ijsr.net/getabstract.php?paperid=SR251127131145, DOI: https://dx.doi.org/10.21275/SR251127131145