Influence of E Wallets on the Spending Habits of Selected Respondents
Dr Brinda Kalyani P R, Abhinithi. V, Merin Annancia. A,
Emperor Journal of Finance
“Inspiring Research, Advancing Management Knowledge.”
Dr Brinda Kalyani P R, Abhinithi. V, Merin Annancia. A,
Suganya. K, Dr. C. Yogalakshmi
Emperor Journal of Finance (EJF) is a monthly peer-reviewed and refereed international research journal published by Mayas Publication. The journal provides a scholarly platform for researchers, academicians, practitioners, and research scholars to disseminate original research in Finance, Banking, Investment, Financial Markets, FinTech, Financial Management, Financial Inclusion, and emerging areas of financial research. The journal encourages empirical, theoretical, conceptual, and interdisciplinary studies that contribute to the advancement of financial knowledge and practice.
Volume- II Issue- IX September 2023 at Bharathiar University, Coimbatore, TamilNadu
Dr Brinda Kalyani P R, Abhinithi. V, Merin Annancia. A,
Suganya. K, Dr. C. Yogalakshmi
Editor-in -Chief
M.Com., MBA., MA (Eco) MFC., PGDCA., PGDFM., NET-JRF., M.Phil., Ph.D., Associate Professor and Research Supervisor P.G and Research Department of Commerce, Sri Sankara Arts and Science College, Enathur, Kanchipuram -631561 Publisher -Mayas Publication
Author Guidelines – Emperor Journal of Finance (EJF)
The following guidelines are adapted from the Mayas Publication author-guideline framework and the published Emperor Journal of Finance format. The publisher describes EJF as a monthly, peer-reviewed, refereed, indexed international research journal. (Mayas)
Author Guidelines
1. Submission of Manuscripts
Emperor Journal of Finance (EJF) invites original research articles and scholarly papers from academicians, research scholars, practitioners, professionals, and students in the areas of Finance and related disciplines.
Authors should ensure that the submitted manuscript is:
Original and unpublished.
Not under consideration by another journal.
Relevant to the aims and scope of EJF.
Written clearly and systematically.
Prepared according to the journal's formatting requirements.
2. Types of Articles
The journal welcomes:
Original Research Articles
Empirical Research Papers
Review Articles
Conceptual Papers
Case Studies
Research Projects
Short Research Communications
Interdisciplinary Research Papers
Mini Reviews
The journal particularly welcomes research relating to financial management, banking, investment, financial markets, financial technology, financial inclusion, risk management, accounting and other emerging areas of finance.
3. Manuscript Format
Manuscripts should be submitted as a Microsoft Word document.
The recommended format is:
Paper size: A4
Font: Times New Roman
Font size: 12 points
Line spacing: Double
Margins: 1 inch on all sides
File format: MS Word (.doc/.docx)
The publisher's author guidelines specify a single Word file using 12-point Times New Roman, A4 paper, double spacing and one-inch margins.
4. Title Page
The title page should include:
Title of the manuscript
Full name of the author(s)
Institutional affiliation
Department and institution
Complete correspondence address
Telephone number, where applicable
Email address of each author
ORCID iD, where available
The publisher's guidelines state that a paper may have a maximum of four authors.
5. Abstract
Each manuscript should contain an abstract of approximately 150–200 words.
The abstract should clearly communicate:
Background of the study
Research problem
Objectives
Methodology
Major findings
Conclusion and implications
The abstract should be concise and should enable readers to understand the principal contribution of the study without reading the complete article.
6. Keywords
Authors should provide 3–4 keywords immediately below the abstract.
Keywords should be relevant to the subject of the manuscript and should preferably be arranged alphabetically, consistent with the publisher's stated guidelines.
7. Recommended Structure
An empirical research paper may generally follow the structure below:
Introduction
Review of Literature
Research Gap
Objectives of the Study
Hypotheses / Research Questions
Research Methodology
Data Analysis and Results
Discussion
Findings
Implications
Conclusion
Limitations
Suggestions for Further Research
References
The structure may be modified according to the nature of the research.
8. Tables, Figures and Charts
All tables, figures, charts and illustrations should:
Be numbered consecutively.
Have clear and appropriate titles.
Be referred to in the manuscript.
Be presented in a readable format.
Clearly identify the source of data where applicable.
Obtain appropriate permission where copyrighted material is reproduced.
The publisher specifically requires tables and figures to be serially numbered and their sources to be indicated.
9. Research Methodology
Authors should provide sufficient methodological information to enable readers to understand and evaluate the research. Where applicable, manuscripts should clearly state:
Research design
Population and sample
Sampling technique
Data sources
Data collection procedures
Variables and measurement
Statistical techniques
Model specifications
Reliability and validity procedures
Ethical considerations
Quantitative results should be reported accurately, including relevant statistical values and significance levels.
10. References and Citation Style
References should be cited consistently throughout the manuscript.
EJF follows the American Psychological Association (APA) style for citations and references. Authors should ensure that:
Every cited source appears in the reference list.
Every reference listed is cited in the manuscript.
Bibliographic details are accurate.
DOI information is included where available.
Online sources contain sufficient information for identification.
The publisher's author guidelines specifically prescribe APA referencing.
11. Originality and Plagiarism
Authors must ensure that manuscripts are original and do not contain plagiarised material.
Manuscripts should not reproduce previously published work without appropriate acknowledgement and permission where required. The journal/publisher states that submitted work should be original and not previously published or simultaneously submitted elsewhere.
The publisher also states that submissions undergo plagiarism screening and identifies a target similarity range in its current journal policy. Authors should therefore check their manuscript carefully before submission.
12. Research Ethics
Authors are responsible for ensuring that their research complies with applicable ethical standards.
For studies involving human participants, authors should appropriately address:
Informed participation or consent, where applicable
Confidentiality and anonymity
Responsible handling of research data
Institutional or ethical approval, where required
Research findings must not be fabricated, falsified, manipulated, or misrepresented.
13. Authorship
All listed authors should have made a meaningful contribution to the research and manuscript.
Authors should agree to the final version before submission. Any proposed change in authorship after submission should be communicated to the editorial office and appropriately justified.
14. Conflict of Interest
Authors should disclose any financial, institutional, professional, or personal interests that could influence the research or its interpretation.
Where there is no conflict of interest, authors may state:
“The authors declare that there is no conflict of interest.”
The publisher's current policy requires disclosure of potential conflicts of interest.
15. Funding Declaration
Authors should acknowledge the source of financial support received for conducting the research, where applicable.
If no external financial support was received, an appropriate statement may be included.
16. Use of Artificial Intelligence
Authors remain fully responsible for the originality, accuracy, integrity, and content of their manuscripts.
The publisher's current policy states that AI tools may assist with research or language refinement, but entirely AI-generated manuscripts are not accepted. Any relevant AI assistance should be appropriately disclosed.
17. Peer Review
Submitted manuscripts undergo an editorial assessment and peer-review process. Manuscripts are evaluated on:
Originality
Relevance to the journal's scope
Research quality
Methodological soundness
Academic contribution
Clarity of presentation
Ethical compliance
The publisher describes its review process as peer review, with editorial screening followed by review and, where necessary, revision.
18. Revision
Authors may be requested to revise their manuscripts based on reviewer or editorial comments.
Revised manuscripts should address the comments systematically and clearly identify major changes made in response to the review.
19. Copyright and Permissions
Authors are responsible for obtaining appropriate permission to reproduce copyrighted tables, figures, images, instruments, or other materials where permission is required.
Published material should not be reproduced or republished without the appropriate permission of the journal/publisher.
20. Submission Checklist
Before submission, authors should ensure that:
The manuscript falls within the scope of EJF.
The manuscript is original and unpublished.
The manuscript is not under consideration elsewhere.
The title page contains complete author information.
The manuscript is prepared in MS Word.
The abstract is approximately 150–200 words.
Three to four keywords are provided.
Tables and figures are numbered appropriately.
Sources are provided for tables, charts and figures where required.
Citations and references follow APA style.
Ethical requirements have been addressed.
Conflict-of-interest information has been provided.
Funding information has been disclosed where applicable.
The manuscript has been carefully proofread.
Any permitted use of AI assistance has been appropriately disclosed.
21. Final Responsibility of Authors
Authors are responsible for the accuracy, originality, ethical integrity, and academic quality of their submitted manuscripts. Submission of a manuscript implies that the authors have read and complied with the journal's submission requirements and publication policies.
Emperor Journal of Finance encourages authors to prepare manuscripts that demonstrate methodological rigour, originality, clarity, and meaningful contributions to the advancement of financial research.