Abstract:

The digital revolution has transformed the global financial landscape, particularly in how individuals access and interact with investment opportunities. In India, the rise of mobile-based trading applications such as Zerodha, Groww, Upstox, and Angel One has opened the doors of the stock market to a new generation of first-time retail investors. These apps not only simplify trading processes but also include a range of educational resources—such as tutorials, blogs, and videos—that aim to improve users’ understanding of financial markets. The research adopts a descriptive and analytical design to explore the relationship between trading app usage and financial literacy. Primary data were collected from 102 respondents through a structured questionnaire, while secondary data were sourced from journals, articles, and online publications. Various statistical tools—including Percentage Analysis, Chi-square, ANOVA, and Regression—were applied to analyse and interpret the data. The results show that the majority of respondents are students and young professionals who use trading apps to gain basic investment exposure. The findings further indicate that educational resources embedded within these applications have a statistically significant impact on users’ willingness to continue using them as tools for financial learning. However, the correlation analysis suggests that the frequency of app usage alone does not necessarily result in improved financial literacy, emphasizing the importance of quality learning content over mere engagement.

Keywords:

Financial Literacy, Trading Applications, Retail Investors, Fintech, Investment Decisions, Financial Education, Mobile Trading Platforms, Stock Market.

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Methods