KARMAFORGE FINANCE - A "MADE IN INDIA" CULTURALLY EMBEDDED GREEN FINTECH DIGITAL SYNERGY PLATFORM

Carbon asset management with high data granularity and technology-enabled monitoring of carbon trading green projects by embedding AI is the global framework of innovative sustainable green fintech or Finance 5.0. Being 4th largest economy in the world, active participant in climate and green finance, aiming to achieve next zero climate finance, India has always adopted fintech as a progressive catalyst. Only platforms and roboadvisors based on ESG labels and risk measures are present in today’s fintech realm without incorporating cultural aspects of any demography. The present research paper conceives and proposes a futuristic financial model KarmaForge Finance as digital synergy platform and application through mixed-method research method outlined in three stages for sustainable decarbonization-focused investment to address the relevant research gap and advocate cultural alignment through Vedic Astrology building into pre-existing technological trust of AI, Blockchain, IoT and Big Data in ESG-labeled instruments.