Advanced International Journal for Research

E-ISSN: 3048-7641   •   Impact Factor: 9.11

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Volume 7 Issue 1
January-February 2026

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From Savings to Growth: Exploring the Architecture of the Financial System

Author(s) Mr. PRAKHYAT KUNJ PANDEY, Dr. ARVIND KUMAR SINGH, Mr. HASTAKSHAR SINGH
Country India
Abstract Savings play a foundational role in transforming individual financial security into broader economic growth. This paper examines the relationship between household savings, capital formation, and national development, emphasizing how effective mobilization of savings supports investment, productivity, and long-term economic stability. It explores different forms of savings—traditional, institutional, and digital—and analyses the role of banks, financial markets, and government policies in channeling savings into productive sectors. The study also discusses challenges such as low financial literacy, income inequality, inflation, and limited access to formal banking systems, which restrict optimal savings behavior in developing economies. Special attention is given to the growing influence of digital financial services, fintech platforms, and government initiatives promoting financial inclusion. By linking micro-level saving habits with macroeconomic growth outcomes, the paper highlights the need for policy measures that encourage secure, accessible, and diversified saving instruments. It concludes that strengthening financial awareness, regulatory support, and technological integration is essential to convert savings into sustainable economic growth.
Keywords Savings, Economic Growth, Financial Inclusion, Capital Formation, Investment, Fintech.
Published In Volume 7, Issue 1, January-February 2026
Published On 2026-02-01
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E-ISSN 3048-7641
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