Journal Issues

Measuring the Impact of Green Banking Practices on Environmental Performance of the Banks

Dr. E.Mythily

Pages: 1-8 | First Published: 05 Sep 2023

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Abstract
Recent years have seen a paradigm shift with regard to how financial organizations, particularly banks, perspective on managing the environment. Even though the finance industry is thought to have one of the lowest carbon footprints among all industries, it has led the way in sustainability for all other industries. Many banks and financial organizations are worldwide attempting to reduce the ecological footprint of their everyday activities. In this scenario, the idea of Green Banking was developed by the banks responsibility towards environmental sustainability. Green banking refers to banking practices which incorporate the sustainability of the environment into consideration. This paper measured the impact of green banking practices on environmental performance of the banks using both primary and secondary sources of data. The result shows that green banking significantly impacts a bank's environmental performance. Therefore, by utilizing green banking techniques, banks may improve the performance of their environmental infrastructure.
Keywords: Green Banking, Sustainability, Environmental Performance.

References
1. Jing, C., Abu, B. S., Guang-Wen, Z., Mohammad, M., & Sodikov, B. (2022). The Effect of Green Banking Practices on Banks’ Environmental Performance and Green Financing: An Empirical Study. Energies, 1-22. doi:https://doi.org/10.3390/en15041292
2. Nischal, R., & Sanjeev, K. J. (2018). Measuring Green Banking Practices on Bank's Environmental Performance: Empirical Evidence from Kathmandu valley. Journal of Business and Social Sciences (JBSS), 2(1), 44-56.
3. Nithyakala, K., Vidhyakala, K., & Jamuna, S. (2020). A Study on The Impact of Green Banking Practices on Bank's Environmental Performance with Special Reference to Coimbatore City. African Journal of Business and Economic Research, 15(3), 1-6. doi:doi.org/10.31920/1750-4562/2020/09/20n3a21
4. Shaumya, K., & Anton, A. A. (2017). The Impact of Green Banking Practices on Bank's Environmental Performance: Evidence from Sri Lanka. Journal of Finance and Bank Management, 5(1), 77-90. doi:10.15640/jfbm.v5n1a7

Consumer Perception towards Mobile Payments and Digital Wallets in Coimbatore City

Dr. M Venkatraman

Pages: 9-14 | First Published: 05 Sep 2023

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Abstract
Digital wallets and mobile payments are a modern way of making transactions. They allow users to buy goods and services from their mobile devices. This is done by linking a debit or credit card to a mobile payment app. It is a convenient way for transaction, as it eliminates the cash payments or physical credit cards. Additionally, digital wallets and mobile payments are secure, as they use encryption technology to protect users’ financial information. Digital wallets and mobile payments are also beneficial to merchants, as they reduce the risk of fraud and chargebacks. They can also help businesses save money on transaction fees. Furthermore, digital wallets and mobile payments offer a range of additional features, such as the ability to store loyalty cards and coupons. This makes it easier for users to access and use these features while shopping. The study aims the awareness among the consumers about the digital payments and also helps in determining the factors motivating consumers to use digital payments. Digital wallets and mobile payments are a convenient and secure way of making transactions. They allow users to transact through their mobile devices, eliminating the need for cash or physical credit cards. Additionally, digital wallets and mobile payments offer a range of additional features, such as the ability to store loyalty cards and coupons. This makes it easier for users to access and use these features while shopping. Digital wallets and mobile payments are becoming increasingly popular due to their convenience and security. They are particularly useful for people who are always on the go and don’t want to carry around cash or physical credit cards. Additionally, digital wallets and mobile payments are easy to use and can be set up in just a few minutes. Some studies have suggested that digital wallets and mobile payments may be more environmentally friendly than traditional payment methods, such as cash and credit cards. Additionally, researchers have found that digital wallets and mobile payments. Finally, some studies have suggested that digital wallets and mobile payments may have the potential to reduce the cost of transactions and increase financial inclusion. These are just a few of the many exciting developments in the world of digital wallets and mobile payments.

References
1) “Perception towards Indian Consumers towards Digital Wallets” by shipakatti and Amit Angadi published by International E conference on Adaptijg to the New Business normal, Volume 3 December 2020.
2) “Digital Wallets and Mobile Payments: A Comprehensive Review” by Shubham Gupta and Pranav Kumar, published in the Journal of Information Systems and Technology Management, Volume 2021, Issue 1, January 2021.
3) “Adoptiom of Mobile payments systems: A study on mobile wallets” Published in the journal of business economics and finance Volume 5, 2016.
4) “Mobile payment and e-wallet adoption in emerging economies: A systematic literature review” Published in the journal of emerging economics and Inslamic Research, May 2022.

Deposit Mobilisation of Scheduled Commercial Banks and its Impact on Indian Economy

Navitha. P

Pages: 15-20 | First Published: 05 Sep 2023

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Reference
Banson, F. A.-K. (2013). The Role of Mobile Deposit in Deposit Mobilization in Ghana. Asian Journal of Business and Management Sciences, 1-18.
S.Ganapathy, Thangam Alagarsamy, Mugesh Kannan Raguraman. (2017). Monetary Mobilization of Commercial Bank with special reference to Eastern Region of India. SAARJ Journal on Banking and Insurance Research, 20-28.
Narayana Maharana, Suman Kalyan Choudhury, Ashok Kumar Panigrahi. (2015). Deposit Mobilization of Commercial Banks: A Comparative Study of BOB and Axis Bank in Bhubaneswar City. Journal of Management Research and Analysis, 195-203.
Rao, N. D. (1975). Deposit Mobilisation by Co-operative Banks A Comparison with Scheduled Commercial Banks. Economic and Political Weekly, 1098-1100.
S.Ganapathy, Thangam Alagarsamy. (2017). Deposit Mobilization of Commercial Banks: A Study with special reference to Southern Region in India. ACADEMICIA An International Multidisciplinary Research Journal, 5-14.

E-Nam: A Boon for Farmers in Rural India

Jemima Jose

Pages: 21-29 | First Published: 05 Sep 2023

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Abstract
Conventional agricultural marketing system in India faced many shortcomings. So farmers are not able to achieve a proper standard of living. This leads agriculture sector is not a decorated one, hence youngsters not showing any interest in the agriculture and related activities. In order to mechanise our farming sector many private players comes with various digital platforms like e- Choupal, Ninjacart and e- Kisanetc, but a government initiative is necessary to ensure equality in each and every point. In 14th April 2016 Indian government launched e- NAM portal for online trading of agricultural produce. This paper discussed the evolution and growth of Electronic- National Agriculture Market.
Keywords: Agriculture, e- NAM, e- marketing and stakeholders

References
1. (n.d.). Retrieved July 18, 2023, from www.enam.gov.in: https://enam.gov.in/web/success-stories/process-related-improvement
2. Balraj, N. (2017). E- Agriculture Introduction and Figuration of its Application. Asia Pacific Journal of Research, 1 (8), 248- 250.
3. Erick Fernando, S. A. (2016). Trends Information Technology in E-Agriculture : A Systematic Literature Review. Proceedings of 2016 3rd International Conference on Information Technology, Computer, and Electrical Engineering, (pp. 351- 355).
4. J C Katyal, A. K. (2018, December). How Can Agriculture Be Made 'Cool' For India's Youth? EPW engage, 53 (47).
5. Jena, D. (2023). E- Marketing of Agriculture Commodities: Challenges and Prospects for Marginal and Small Farmers in India. Journal of Agriculture and Crops, 9 (1), 42-48.
6. Kaur, G. (2019). Middlemen Biggest Obstacle in Increasing Farmers Income. www.grainmart.in.
7. Kumar, M. (2018). Problems of Agriculture Marketing in India. International Journal of Research and Analytical Reviews, 5 (4), 296- 299.
8. Mallela Bandhavya, A. K. (2022). Performance of e- NAM and its Determinants in the Largest Market of Andra Pradesh. Indian Journal of Extension Education, 58 (1), 1- 7.

9. Rane, J. V. (2022). A Study on E- Agriculture and Rural Developemnt in Gondiya District of Maharashtra. Journal of Emerging Technologies and Innovative Research, 9 (1), 1-5.
10. Rohit Bansal, A. K. (2012). E- Choupal: Gateway to Develop Agriculture Market. 4D International Journal of IT & Commerce, 1 (1), 78 - 89.
11. Shubham Anand, S. S. (2017). E- Agriculture- A Way to Digitalization. International Journal of Data Mining Techniques and Applications, 6 (2), 52 - 55.

A Study on Digital Payment Towards the Purchase of Gold Jewellery in Tirunelveli

Dr. M. Abdul Rahuman

Pages: 30-35 | First Published: 05 Sep 2023

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Abstract
Gold is a chemical component with the symbol Au from the Latin word Aurum. In its purest form, it is a bright slightly reddish yellow, dense, soft and malleable metal. Chemically, gold is a transition metal and a group 11 component. It is one of the least immediate chemical elements and is concrete under normal conditions. Gold occurs mostly in the free essential form, in lumps/ grains, in rocks, veins, and sedimentary deposits. It happens in a solid solution series with the domestic component silver and naturally mixed with copper and palladium. Whenever we make a decision to shop for jewelry, a lot of things are there which matter a lot like- individual taste, design, and style of the jeweler and all these things are very important. Also, the piece of jewelry must be according to the international trend and in accordance with the person’s personality. This present paper focuses on the buyer's behaviors toward the purchase of gold jewelers.
Keywords : Buyers behavior, digital payment satisfaction, taste and preference

References

1. Kotler,Phlip, (2006),B2B Brand Management, Germany, pp 19,209. 2.

2. Journal of gem &Jewellery industry, Thomson press ltd., Faridabad

3. Art of Jewellery Magazine, (2007)Deepti publication, Bangalore, Vol7issue 3

4. Kala, Alok, Diamond world,(2010) Thomson press ltd., Faridabad ,volume: 38 / No.: ,pp 12-14

5. M. Abdul Rahuman, “ FINTECH in circular economy and business transformation”, Page 215-218

6. Becker,Vivienne,2003, Antique and Twentieth century, N.A.G Publication, London, 2003 Page31 to 34

Consumer Perception Towards Smart Contracts and Automated Payments

Dr. M Venkatraman

Pages: 36-41 | First Published: 05 Sep 2023

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Abstract
Smart contracts and automated payments represent transformative innovations in the field offinance and transactions. Leveraging blockchain technology, smart contracts offer self-executingagreements, eliminating the need for intermediaries and ensuring transparency and security. Concurrently, automated payment systems stream line financial processes, reducing manual interventions and transaction delays. This article explores the potential of smart contracts and automated payments to revolutionize traditional financial practices, discussing their benefits, challenges, and the path towards their seamless integration into the global financial ecosystem. The adoption of these technologies has the power to reshape the future of finance, paving the way for more efficient, secure, and accessible transactions for businesses and individuals a like.

The Unicorn Revolution: Fintech Start-ups in the Indian Market

J. Sneha Jayalakshmi,

Pages: 48-57 | First Published: 05 Sep 2023

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Abstract
The landscape of financial technology (Fintech) in India has witnessed a remarkable transformation in recent years. This article sheds light on the history, occurrence, and influence of fintech unicorn start-ups in the country, highlighting their major role in reshaping the financial sector. The growth of fintech unicorns in India has had a profound economic impact. They have attracted substantial investments, generated employment opportunities, and increased financial inclusion. Their innovations have driven competition in the financial sector, resulting in better services and lower costs for consumers. This article delves into the captivating journey of Fintech Unicorn start-ups in India, examining their historical roots, growth trajectories, and current standings. With a focus on the 24 pioneering fintech companies operating in the Indian market, this study offers a panoramic view of their contributions to the financial sector, innovation, and economic development.
Keywords: Fintech, Soonicorns, Substantial investments& Unicorn Start-ups

References
1. https://beinsure.com/ranking/biggest-fintech-unicorn-startups-in-world/#:~:text=FinTech%20unicorn%20describes%20startups%20that,more%20than%20USD%20135.9%20billion.
2. https://www.analyticsinsight.net/top-10-fintech-unicorns-by-market-valuation-in-2023/#:~:text=The%20fintech%20industry%202023%20is,technology%20to%20revolutionize%20financial%20services.

3. https://inc42.com/features/fintech-unicorns-in-india/#:~:text=The%20story%20of%20fintech%20unicorns,became%20India's%20first%20fintech%20unicorn.
4. https://bfsi.economictimes.indiatimes.com/news/fintech/top-ten-indian-fintech-unicorns/83838113
5. https://thefinancialbrand.com/news/fintech-banking/what-is-a-fintech-unicorn-and-why-should-banks-care-134422/
6. https://assets.ey.com/content/dam/ey-sites/ey-com/en_in/topics/consulting/2022/ey-winds-of-change-india-fintech-report-2022.pdf?download
7. https://inc42.com/buzz/fintech-produce-highest-number-unicorns-india/
8. https://www.moneycontrol.com/news/business/startup/upstoxs-valuation-to-soar-to-3-3-5-billion-with-new-funding-round-led-by-tiger-global-7762931.html

Securing E-Banking Services: Fortifying Cyber Defenses and Ensuring Safety

Dr. K. Sudhakar,

Pages: 58-65 | First Published: 05 Sep 2023

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Abstract
With the second-highest global internet user count after China, India's potential for becoming a digital payment leader is evident. Despite rapid growth in digital transactions, cybercrime threatens financial stability. This study investigates electronic banking (e-banking) awareness, security measures, and usage patterns among 282 respondents. Findings indicate significant associations between personal factors and e-banking purposes and safety measures. Regression analysis underscores the relevance of security measures. Recommendations include public awareness programs and enhanced bank security measures to mitigate cyber threats. This study advances understanding of e-banking security, urging improved practices to safeguard against cybercrimes.
Keywords: e-banking, digital payments, cybercrime, internet users, India, security measures

References
1. Fatimahsidi, MarzanahA.Jabar (2013) Measuring computer security awareness on internet banking and shopping for internet users. Journal of theoretical and applied information Technology. Vol.53 issue - 2, pp 210 – 216.
2. Raghavan (2014) the effect of cybercrime on a bank finances. International Journal of current Research and Academic Review. Vol.2issue - 2, pp 173-178.

3. Deepakmathur (2017).A survey of awareness about security in E- Payment system. International Journal of Mechanical Engineering and information technology. Vol.5 issue -3, pp 1846 – 1850.
4.NDTV NEWS
5.Times of india news
6.The Hindhu Newspaper

Central Bank Digital Currency in India: Prospects and Challenges

Dr. Rajnalkar Laxman

Pages: 66-73 | First Published: 05 Sep 2023

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Abstract
The Central Bank of India introduced executing digital currency in India. There is important growth for Central Bank Digital Currency (CBDC) presently and several countries have adopted and completely the analysing phase of creating their own Central Bank Digital Currency (CBDCs). CBDC can improve our country’s digital economy and payment services and encourage financial inclusion. The present study aims to highlight the to analyses the DigitalPaymentsgrowth of CBDC, it’s important in the present economic prospects, and we also recognize the CBDC key challenges. As highlighted in the Risk of increased financial exclusion, Digital illiteracy, and Technical challenges. The study is descriptive in nature and it is completely based on secondary information and data acquired from the website of the NASSCOM and RBI and other published sources. This paper is an experiment to examine the Central Bank Digital currency India: prospects and challenges.
Keywords: Central Bank Digital Currency (CBDC), Reserve Bank of India (RBI), Digital Currency, Blockchain Technology, Crypto Currencies

References
1. Dr.Dharmendra Kumar, Pawan(2022), Digital Currency: IssuesOpportunities and Challenges An International pas Reviewed Refereed Research journal, Vo1.13 No.3
2. CMDAsrafulHaque,mohdshoib, (2023), e₹-The digital currency in India: challenges and prospects Bencheouncil Transactions on Bencsinhchmarks, standards and Evaluation
3. Concept note on central Bank Digital Currency, FintechDept, Reserve Bank of India, 2022,
4. ShrivinitKumar.Varma, Dr.Bhavsinh m.Dodia,(2023),A study on customer Perception of central Bank Digital Currency www. Hemchandracharya e journal.com
5. Bhat,V.Nagarkar, Jeevan,Singh,A(2022), Prospects of Digital Currency In India –A Way forward CARDIOMETY
6. Vejacka, M. (2014) Basic aspects of crytocurrencies. Journal of Economy, Businnes and financing, 2(2), 75-83.
7. Shivimittal, Soni Sharma, (2023), Dynamicsof Crypto currency in Emerging market: A study on India and Africa Apple Acadmic press Co-publishing with CRC press
8. Petrson. Ozili (2023), Central Bank Digital Currency in India: The case for a Digital Rupee www. Researchgate. Net/publication/365182088
9. Raghava Suresh Samudrala, Srinivasa Kumar Yerchuru(2021), Central Bank Digital Curency: risks, challenges and design considerations for India www. Researchgate. Net/publication/ 357676820
10. Dr.Priyadarshini, M. Shuaib Ahmed, Dr. R. Sathya.(2020), Does central Bank Digital Currency (CBDC) Disrupt the crypto currencies market In India?-A case Study International journal of Scientific& Technology Research
11. ShivaniAggarwal (2020), #INDIA #DIGITAL PAYMENTS 2020-21 aching the first Adoption Index- Time is Now!
12. ShriInder Pal SingghSethi Deputy Director general NIC (2023), Digital payment driving the growth of Digital Economy.
13. https://timesofindia.indiatimes.com/business/india-business/cash-still-king-as-digital-payment-inch-up-slowly/articleshow/61554102.cms
14. https://www.com/news/world-asia-india-37974423
15. https://www.npsi.org.in/what-we-do/upi/product-statistics
16. https://inc42.com/features/record-breaking-numbers-upi-2022-hint-indi-maturing-digitl-payments-ecosystem
17. https://www.nic.in>digital-payments-driving-the-growt-of-digital-economy
18. Sunil Patel, Himanshubarat,(2023), Central Bank DigitalCurrency: E-Rupee The future of India –scope&challenges RabindraBharati Journal of Philosophy
19. Afreen Begun (2023), central bank digital currency (CBDC): CHALLENGES AND PROSPECTS IN India. Purana 1 ISSN: 0555-7860 UGC-CARE Group 1 journal
20. Peterson K. Ozili (2022), Central Bank Digital currency in Nigera: opportunities and Risks 21. V.Sinelnikova-Muryleva(2020),central bank digital currencies: potential risks and benefits 22.Rashmi, Dabbeeru, Dr. D.N. Rao,(2022), prospects and challenges of introducing digital currency in Indian economy Social science Research network

Block Chain Technology and Business Design

G.Gunapriya,

Pages: 74-81 | First Published: 05 Sep 2023

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Abstract
Block chain technology has emerged as a disruptive force, technology which create an impact on business design and transparent solutions for data management system. This abstract explores the intersection of block chain technology and business design, emphasizing the potential benefits and challenges that organizations may encounter while incorporating block chain into their operational frameworks. The paper discusses the foundational concepts of block chain, including its decentralized and immutable nature, consensus mechanisms, and smart contracts, which enable secure, trust less, and efficient data exchanges. It highlights the importance of understanding block chain's technical aspects and aligning them with business objectives to design successful block chain-based solutions. Furthermore, the abstract delves into the business design considerations required to implement block chain applications effectively. It emphasizes the significance of identifying the right use cases where block chain can add value, the choice of block chain platform, scalability issues, and the integration with existing systems. Additionally, it explores the importance of creating business models that accommodate the inherent advantages of block chain, such as increased transparency, reduced fraud, and streamlined processes. The paper also addresses the potential challenges and obstacles organizations may face during block chain implementation, such as regulatory concerns, interoperability hurdles, and the need for robust cyber security measures. By comprehensively evaluating the relationship between block chain technology and business design, this abstract provides valuable insights into how companies can harness the full potential of block chain to gain a competitive edge in their respective industries.
Keywords: Block chain, Revolutionizing, Business Design, Transparency, Integration.

References
1. Walport, Mark. 2015. Distributed Ledger Technology: Beyond Block Chain. London.

2. DuPont, Q. Crypto currencies and Block chains; John Wiley & Sons: Hoboken, NJ, USA, 2019.

3. Atzori, M.2015. “Block chain Technology and Decentralized Governance: Is the State Still Necessary?” Available at SSRN. Retrieved August 9,2016.

4. Rose, C. The evolution of digital currencies: Bit coin, a crypto currency causing a monetary revolution. Int. Bus. Econ. Res. J. 2015, 14, 617-622.

5. Tapscott, Don and Alex Tapscott. 2016. Block chain Revolution: How the Technology Behind Bit coin is Changing Money, Business, and the World. New York, N.Y.:Portfolio.

Artificial Intelligence in Education

Rekha.K

Pages: 82-86 | First Published: 05 Sep 2023

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Abstract
Artificial Intelligence (AI) is an upcoming technology that can be applied in many industries. In particular, its most recent adoption is education sector. Since, Artificial intelligence provides many benefits such as virtual classrooms, personalized learning experiences, and automated grading of student work, to make it more effective and efficient. Our day today life is becoming more accessible because of the arrival of AI. Teaching methods are becoming more innovative and accessible inside the educational institutions and also around the world with AI-enabled applications. The AI techniques into the teaching methods are to make a more popular choice for educational solutions. AI provides lot and lots of opportunities to the leaners who are really looking for the platforms to make them equipped to face the world with their skills. It becomes user friendly to learn the things in their own pace and interest.
Keywords: Artificial Intelligence, Technology, Applications, Skills

References
 https://en.wikipedia.org/wiki/Education
 https://www.ibm.com/topics/artificial-intelligence#:~:text=At%20its%20simplest%20form%2C%20artificial,in%20conjunction%20with%20artificial%20intelligence.
 https://onlinedegrees.sandiego.edu/artificial-intelligence-education/
 https://www.questionpro.com/blog/ai-in-education/
 https://aichatgpt.co.za/benefits-of-artificial-intelligence-in-education-pdf/
 https://www.aleks.com/about_aleks
 https://play.google.com/store/apps/details?id=org.coursera.android&hl=en&gl=US

Adopting and Managing Digital Identity in Fintech Sector

Mr. Rohith. R

Pages: 87-95 | First Published: 05 Sep 2023

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Abstract
With the growth of technology, the number of individuals and organizations who are operating it has increased. Millions of people share their data and information through technology. We create an identity for ourselves through this information, which we call our Digital Identity. With the increasing amount of information out there, people gradually lose control over their information. It has become a challenge faced not only by individuals but also by organizations, companies, and even the government. This challenge was faced in many areas but the very peculiar area where it was very sensible was the financial sectors, particularly in this digital era. So, it is significant that these identities are managed and well protected. As a result, Digital Identity Management as a part of Fintech is adopted by all financial service providers. It acts as a mechanism that regulates digital identities. Digital Identity Management develops the base to assure the users that the structure of the internet is well built to fulfill the requirements for security and privacy of the users. Although Digital Identity Management makes a great effort to achieve its objectives, it faces several challenges such as privacy, data security, and trust. The major motive of this paper is to analyze such issues faced by digital identity management and to examine the solutions which will be suitable to overcome the issues.
Key Words: Digital Identity Management, Digital Identity, Fintech, Financial service Providers

References
 Elias Pimenidis . 2010 “digital identity management”( researchgate.net )
 Raphael Banda and Jackson Phiri. 2019 “Challenges of identity management systems and mechanisms: review of mobile identity” (reserchgate.net )
 http://www.networkworld.com/supp/2004/ndc2/0322idmgt.html
 https://www.itu.int/dms_pub/itu-t/oth/06/04/T06040040040001PDFE.pdf
 https://www.finextra.com/blogposting/23979/the-future-of-digital-identity-in-fintech
 https://www.signzy.com/digital-identity-in-fintech-cyber-risks-remedies/

Possibilities and Challenges in Applicability of Artificial Inteligence in Agriculture Sector

Sajeer C,

Pages: 96-99 | First Published: 05 Sep 2023

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Abstract
In our country 229 million people still live in poverty. According to UN in India 195 million people are living without proper food. In which 43 percentage of children are chronically undernourished due to shortage of food. Our present problem is our need level twice than our production.The only way to overcome these problems by providing adequate importance to the food grains and other agricultural products. It will help to eradicate our food inadequacy, that is why this study is relevant, application of artificial intelligence in agriculture sector because AI has emerged as transformative technology with high potential power to rejuvenate various sectors including agriculture. This paper mainly focusing on the possibilities and challenges in applicability of artificial intelligence. Here by writing a skeleton for improving agricultural practices and productivity by using AI for permanent solution to the food inadequacy and sustainable farming. By rising a suggestion that AI are the crucial tool for modernizing agriculture and creating it as sustainable and efficient in future.
Keywords: artificial intelligence, agriculture, possibilities, challenges

References
1. Jiali Zha (2020) Artificial intelligence in agriculture Journal of physics conference series
2. Mohd Javaid ,Abid Haleem ,Ibrahim Haleem Khan, Rajiv Susan(2023)Understanding the potential applications of AI in agriculture sector,AdvancedAgrochem
3. https://www.sciencedirect.com/science/article/pii/S277323712200020X
4. https://intellias.com/artificial-intelligence-in-agriculture/
5. https://www.analyticsinsight.net/the-evolution-of-artificial-intelligence-past-present-future/

The Impact of Central Bank Digital Currencies in India

Dr.Y.S. Irine Jiji

Pages: 100-105 | First Published: 05 Sep 2023

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Abstract
The Central Bank issued Central Bank Digital Currency (CBDC) whose function is to support country’s commercial-banking system, financial services of the government lay monetary policy and issuing the currency. India's economy in the world, has obtained many valuable results in the research process of CBDC. 130 countries, representing 98 percent of global GDP, are exploring a CBDC. The study conveys the Types of CBDC, Models of issue and management, forms, technology choice, instrument design and implications of CBDC. The study represent informations and findings from other studies by searching the good policies and risks involved in the process of implementing CBDC in India. The study explains the impact of the introduction of CBDC in India and the implications for other countries.
Keywords: Central bank digital currencies, Indian digital currencies, digital currencies in developing countries, CBDC impact

References
David Kuo Chuen Lee, Li Yan, Yu Wangc (2021), “A global perspective on central bank
digital currency”, China Economic Journal, pp 1-16
Hazik Mohamed (2020), “Implementing a Central Bank Issued Digital Currency with
Economic Implications Considerations”,IJIEF:International Journal of Islamic Economics and Finance, Vol. 3 (1), pp 51-74.
Jonathan Chiu, Mohammad Davoodalhosseini, Janet Jiang and Yu Zhu (2019), “Central Bank
Digital Currency and Banking”, SSRN Electronic Journal, pp 1-59.
Peterson K. Ozili (2022), “Global central bank digital currency research and developments:
Implication for crypto currency” pp1-16. ,https://www.researchgate.net/publication/365182088
Peterson K. Ozili (2023), “Central bank digital currency in India: the case for a digital rupee”,
pp1-20, https://www.researchgate.net/publication/365182088.
Wenxuan Ma (2023), “An Introduction to The Impact of India's Use of Central Bank Digital
Currency on the International Financial System”, Frontiers in Business, Economics
and Management, ISSN: 2766-824X, Vol. 7, No. 1
https://m.rbi.org.in//Scripts/PublicationReportDetails.aspx?UrlPage=&ID=1218#TC

Beyond Diagnosis: An Overview of AI in Google Health

Dr.M.Nirmala

Pages: 106-113 | First Published: 05 Sep 2023

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Abstract
The integration of artificial intelligence (AI) into healthcare, exemplified by Google Medical, presents a paradoxical landscape of both ethical challenges and unprecedented opportunities. This paper exploresthe intricate interplay between AI and medical practice, with a focus on Google's foray into this domain. While AI holds immense promise for enhancing diagnostic accuracy, streamlining processes, and improving treatment outcomes, it also raises profound ethical concerns that demand rigorous scrutiny.This study explores the ethical challenges arising from the use of AI in Google Medical. Issues related to data privacy, informed consent, and algorithmic transparency take centre stage as AI systems process vast amounts of sensitive patient information. Moreover, the potential for bias amplification and exacerbation of health disparities calls for vigilant oversight and algorithmic fairness. The transformative potential of AI must be balanced against the risks of unintended consequences and elimination of humanin medical decision-making. Amidst these challenges, there are remarkable opportunities to harness AI's capabilities responsibly. Collaboration between AI and medical experts can augment clinical judgment, enabling earlier disease detection, personalized treatment plans, and improved patient management. Ethical frameworks, such as explainable AI and robust data governance, offer avenues to navigate the ethical complexities. Google Medical, as an exemplar, can lead the way in developing transparent and accountable AI solutions that prioritize patient welfare. In conclusion, the paradoxes inherent in the connection of AI and healthcare within the context of Google Medical encapsulate a vital moment in medical history. While ethical challenges loom large, they are accompanied by a unique chance to redefine healthcare delivery. By addressing the ethical concerns head-on, embracing interdisciplinary collaboration, and upholding patient-centric principles, AI-driven healthcare innovations have the potential to revolutionize medical practice, yielding a future that harmonizes technological advancement with ethical integrity

References
1. Topol, E. J. (2019). High-performance medicine: the convergence of human and artificial intelligence. Nature Medicine, 25(1), 44-56.
2. Esteva, A., Kuprel, B., Novoa, R. A., Ko, J., Swetter, S. M., Blau, H. M., & Thrun, S. (2017). Dermatologist-level classification of skin cancer with deep neural networks. Nature, 542(7639), 115-118.
3. LeCun, Y., Bengio, Y., & Hinton, G. (2015). Deep learning. Nature, 521(7553), 436-444.
4. Rajkomar, A., Oren, E., Chen, K., Dai, A. M., Hajaj, N., Hardt, M., ... & Zhang, M. (2018). Scalable and accurate deep learning for electronic health records. npj Digital Medicine, 1(1), 1-10.

5. Li, M., Zhang, J., Danhof, C., Li, X., & Zhang, S. (2021). Artificial intelligence for drug discovery and development: Applications, challenges, and future directions. Journal of Industrial and Engineering Chemistry, 97, 12-32.
6. Angermueller, C., Pärnamaa, T., Parts, L., &Stegle, O. (2020). Deep learning for computational biology. Molecular Systems Biology, 16(12), e9390.
7. Chen, Q., Allotey, P. A., Pei, Y., & Pan, S. (2019). Artificial intelligence in healthcare: past, present and future. Stroke and Vascular Neurology, 4(3), 143-145.
8. Panch, T., Mattie, H., & Celi, L. A. (2018). The "inconvenient truth" about AI in healthcare. NPJ digital medicine, 1(1), 1-4.
9. Cohen, G. N., Beaufils, B., & Wyatt, J. C. (2020). Telemedicine and the rise of digital medicine. Journal of Medical Internet Research, 22(3), e16861.
10. Sundararajan, R., Heng, J. Y., & Jun, C. X. (2018). The role of artificial intelligence in medical imaging in Asia. Pacific Rim International Journal of Nursing Research, 22(1), 4-7.
11. Hulme, S. A., Hammerla, N., Ploetz, T., & Olivier, P. (2019). Use of Wearable Devices for Post-Discharge Monitoring of Rural Patients With Heart Failure. In Proceedings of the 2019 CHI Conference on Human Factors in Computing Systems (pp. 1-12).
12. Labrique, A. B., Vasudevan, L., Chang, L. W., Mehl, G., &H_pe, K. (2017). Digital health and health systems of the future. Global Health: Science and Practice, 5(1), 1-3.
13. Dugas, M., Lange, M., Ghassemi, M., &Mayaud, L. (2019). Improving clinical practice using artificial intelligence and machine learning. The Lancet Digital Health, 1(8), e355-e357.
14. Hassanpour, K., Gagne, N. W., Xu, C., & Bui, A. A. (2020). Medical image interpretation with deep learning: A review. Journal of Healthcare Informatics Research, 4(1), 42-73.
15. Haidegger, T., Sándor, J., &Benyó, Z. (2018). Surgical robots and robotic surgery: past, present, and future. Technological Forecasting and Social Change, 126, 146-152.
16. Liu, X., Chen, H., & Lim, E. P. (2019). Artificial intelligence for medical image analysis: A guide for authors and reviewers. Journal of Thoracic Imaging, 34(3), 154-158.
17. Rudin, C. (2019). Stop explaining black box machine learning models for high stakes decisions and use interpretable models instead. Nature Machine Intelligence, 1(5), 206-215.
18. Mazurek, M., Borycki, E., & Purkis, M. E. (2020). An exploration of health data interoperability approaches for electronic health records. Journal of Healthcare Informatics Research, 4(4), 283-311
19. https://health.google

E-Banking services provided by selected banks in Coimbatore City

Manimekala. M

Pages: 114-118 | First Published: 05 Sep 2023

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Abstract
Banking which plays a vital role in all the time with the people. Banking promotes the people to save money. In this study we have discussed that how the bank is providing e banking services, and how the customer is aware about that and how they are utilizing and benefitted it. Because of e banking how the people money transferring andsaving culture is changed and how they benefitted and the technical problem they have faced.Most of the people is not good in using E- Banking because of the Educational qualification.
Keywords: E banking, Services, customers

References

Gupta, S. (2013) The Mobile Banking and Payment Revolution, European Financial Review, February-March, 3-6

Loonam, M.; O’Loughlin, D. (2008) An Observation Analysis of e-Service Quality in Online Banking, Journal of Financial Services Marketing, vol.13(2), pp.164-178

Mobarek, A. (2007) E-Banking Practices and Customer Satisfaction - A Case Study in Botswana, 20th Australasian Finance & Banking Conference

Wisdom, K. (2012) The Impact of Electronic Banking on Service Delivery to Customers of Ghana Commercial Bank Limited. A Study of Ghana Commercial Bank Ltd, Ho Poly Technic Branch, Ph.D. Thesis, Institute of Distance Learning, Kwame Nkrumah University of Science and Technology.

Abubakar, A.A.; Tasmin, R.B.H. (2012) The impact of information and communication technology on banks’ performance and customer service delivery in the banking industry, International Journal of Latest Trends in Finance and Economic Sciences,

Daniel, E. (1999) Provision of electronic banking in the UK and the Republic of Ireland, International Journal of Bank Marketing, vol.17(2), pp.72-82

Darlington, L. (1999) Banking without Boundaries: How the Banking Industry Is Transforming Itself for the Digital Age, Blueprint for the Digital Economy, McGraw Hill, New York

Growth of Fintech in India and it’s Challenges

T. Karthikeyan

Pages: 119-125 | First Published: 05 Sep 2023

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Abstract
India’s digital economy has been witnessing anastonishing development progression over the recent period, shifting the conventional financial prospect and restructuring the process ofcommercial activities. Financial Technology blended as Fintech, holds an indispensable part in this progression by making creative and innovative approaches which reframes financial and related services more approachable, economical and suitable for most of the citizens of India. India is amongst the swiftly progressing nations in the global Fintech markets. The value of the market size of the Indian Fintech industry was found to be $ 50 billion in 2021 and is approximately expected at ~$ 150 billion by the year 2025. The Fintech adoption rateof Indiais 87% which is notably more than the Global adoption rate of 64%. The paper intends to provide a conceptual idea about the Fintech services and to study the prospects and confrontations of the emerging Fintech services in India. The study is descriptive in nature based on secondary data sources and published reports. The study finds that the growth of the Fintech industries are appreciable and hasboth opportunities and challenges. Hence it is suggested that the pros and cons of every policy implications should be thoroughly analyzed and reviewed before implementation in a diversified nation like India and continuous periodic assessment could help to eliminate the hurdles faced in this growing industry and aim for achieving financial inclusion and balanced development in the global platform.
Keywords: Fintech, Financial Inclusion, Opportunities and Challenges

References
1. Ashish Saxena, Renu Jain Anjali, Mandal (2022), “Fintech in India: Current Status, Trends & Prospects”,Journal OF Business Management And Information Systems December9(2),pp. 2-28.
2. “EVOLUTION OF STARTUP INDIA: Capturing the 5-Year story”, Startup India, Retrieved April 17, 2022.
3. Fintech in India, 2016, www.swissnexindia.org
4. Girish Kumar Painoli, Dr.D.PaulDhinakaran, Dr.C.Vijai (2021), “Impact of Fintech on the Profitability of Public and Private Banks in India”, Annals of R.S.C.B, June25(6), pp.5419 – 5431
5. https://www.investindia.gov.in
6. https://community.nasscom.in
7. “India – A global Fintech Superpower”, Invest India: National Investment Promotion and Facilitation Agency, Retrieved April 14, 2022
8. MandliVijaykumar Yadav and B.R. Spandana (2023), “Fintech in India: Exploring Opportunities and Challenges in Andhra Pradesh”, International Journal of Engineering Technology and Management Sciences, June7(3), pp.150-157.
9. MayankMishral (2023), “Exploring the Potential of Fintech in India: A Comprehensive Analysis”, International Journal of Scientific Research in Engineering and Management (IJSREM), April 7(4), pp. 1-11
10. Minti Sinha (2022), “A Study on Evolution of FinTech Companies in India”, https://www.researchgate.net/publication/36231657
11. Neerudi Ravi and Dr. G. Naresh Reddy (2021), “Fintech Adoption in India -Issues and Challenge”, UGC Care Group I Listed Journal, March11(1), pp.868-875.
12. Poonam Sethi And RinkuManocha (2023), “Impact of Fintech adoption on Select Macroeconomic variables in India: An ARDL Approach”, IIMS Journal of Management Science,January, pp. 1-25.
13. “The winds of change: Trends shaping India’s Fintech sector”, Ernst & Young, September 2021.
14. Varsha Gupta,Sanjeev Chaddha (2023), “Fintech Solution Towards Sustainable Development Of MSMEs”, Journal of the Maharaja Sayajirao University of Baroda February 57(1 (I)), pp.55-63.

Artificial Intelligence and Industry 5.0: A Conceptual Study on Harnessing AI for Absorbing Harmful Radiations to Protect Human

Sajeer C

Pages: 126-129 | First Published: 05 Sep 2023

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Abstract
The advantages of Industry 4.0 employed in manufacturingprocess, automations, data exchange, and cyber-physical systems. On the basis of this transformation, Industry 5.0 has arises, emphasizing human-machine collaboration and coexistence. This paper gave a way to the potential of Artificial Intelligence (AI) and Industry 5.0 in developing innovative solutions to absorb harmful radiations and safeguard human health. By employing AI-driven technologies, we can address the growing concern over harmful radiation exposure in various industries and pave the way for a safer and more sustainable future.
Keywords: Artificialintelligence, industry5.0, Radiations, human health

References
[1] Canadian Association of Radiologists White Paper on Artificial Intelligence in Radiology An Tang, MD, MScan.tang@umontreal.ca, Roger Tam, PhD, […], and for the Canadian Association of Radiologists (CAR) Artificial Intelligence Working Group+14 View all authors and affiliationVolume 69, Issue 2https://doi.org/10.1016/j.carj.2018.02.002 [2] Everyday products that emit radiation. Learn about common products and devices that give off radiation https://www.canada.ca/en.html [3] ICANhttps://www.icanw.org [4]https://www.cdc.gov/

Unleashing the Potential of Industry 5.0 Through AI: An AHP-Guided Roadmap

R Abishek Israel

Pages: 130-138 | First Published: 05 Sep 2023

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Abstract
This research paper explores the profound impact of Artificial Intelligence (AI) on Industry 5.0, the era of intelligent and interconnected manufacturing. Leveraging the Analytic Hierarchy Process (AHP) as a guiding multi-criteria decision-making tool, the study develops a comprehensive roadmap for successful AI integration in Industry 5.0. The paper highlights AI's role in boosting production efficiency, enabling data-driven decision-making and facilitating predictive maintenance. The AHP method is introduced showcasing its suitability for complex decision-making with multiple criteria. The process and principles of AHP are outlined, emphasizing its usefulness in evaluating AI technologies for Industry 5.0 integration. A comparative analysis of AHP with other MCDM techniques is presented through real-world case studies demonstrating AHP's transparency, consistency and adaptability in prioritizing AI investments and deployment strategies. The empirical research section utilizes data-driven analysis to identify key factors influencing AI implementation in Industry 5.0. Stakeholder perspectives and expert opinions are integrated to derive meaningful criteria for the developed roadmap. Using AHP, the paper formulates a comprehensive AI integration roadmap for Industry 5.0. It includes identifying suitable AI applications, evaluating technological requirements, assessing workforce readiness and conducting risk analysis. The roadmap aims to guide industrial leaders, policymakers and decision-makers in effectively incorporating AI to unlock the full potential of Industry 5.0. The findings are discussed addressing potential challenges and limitations of the proposed roadmap. In conclusion, the research emphasizes the transformative power of AI in Industry 5.0 and its impact on industries. With AHP as a guiding tool, the paper offers a robust roadmap to navigate the complexities leading industries towards enhanced productivity, sustainable growth and heightened competitiveness in the Industry 5.0 landscape.
Keywords: Artificial Intelligence, Analytical Hierarchy Process, Industry 5.0, Multi-Criteria Decision Making (MCDM), Sustainable Growth. of AI integration,

References
1. Lee, J., & Kim, J. (2018). Industry 5.0: An Integrative Approach for Smart Manufacturing. Journal of Manufacturing Systems, 48, 144-169.
2. Chui, M., Manyika, J., & Miremadi, M. (2016). Where Machines Could Replace Humans—and Where They Can't (Yet). McKinsey Quarterly.
3. Jordan, M. I., & Mitchell, T. M. (2015). Machine Learning: Trends, Perspectives, and Prospects. Science, 349(6245), 255-260.
4. Brown, C., Chui, M., & Manyika, J. (2017). Are Companies Ready for the Age of AI? McKinsey Global Survey.
5. Saaty, T. L. (1980). The Analytic Hierarchy Process. McGraw-Hill.
6. Saaty, T. L. (1990). How to Make a Decision: The Analytic Hierarchy Process. European Journal of Operational Research, 48(1), 9-26.
7. Jin, X., Wah, B. W., & Cheng, X. (2015). Significance Analysis of Data in High Dimensions. In Encyclopedia of Biometrics (pp. 1326-1331). Springer, Boston, MA.
8. Gill, R. M., & Chang, K. T. (2018). The State of Artificial Intelligence in Manufacturing. Journal of Manufacturing Science and Engineering, 140(7), 070801.
9. Edwards, D. (2020). Artificial Intelligence and the Future of Work. Brookings Institution.
10. Karim, A., & Budiman, R. A. (2021). Artificial Intelligence and Its Implications in Industry 5.0: A Comprehensive Review. International Journal of Mechanical Engineering and Robotics Research, 10(3), 316-323.
11. Maheshwari, S., & Bector, C. R. (2020). Industry 4.0 and Industry 5.0: A Comparative Study. International Journal of Advanced Science and Technology, 29(5), 7692-7701.
12. Singh, R., Sharma, R., & Srivastava, S. (2019). Artificial Intelligence in Supply Chain Management: A Comprehensive Review. Transportation Research Part E: Logistics and Transportation Review, 130, 202-254.
13. Varshney, S., & Das, A. (2018). Artificial Intelligence: A Review and Analysis of Adoption in Business and Industrial Automation. International Journal of Business Information Systems, 27(1), 23-42.

A Study on Cybercrimes Faced by the Customer’s Usage of Cashless Payments Using Fintech

Dr. L. Nithya

Pages: 139-152 | First Published: 05 Sep 2023

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Abstract
Financial Technology has made a drastic change in the financial sectors. This has paved the way for cashless transactions among the customers. The study focus on the reasons for cybercrime among banking customers and the strategy to reduce the cybercrime among banking customers using cashless transactions through financial technology(FINTECH). A sample size of 107 respondents has been taken for the study by adopting convenient sampling technique. The study concludes that, Cybercrimes against persons involve a variety of offences include sending child pornography and harassing people via email. The bank customer loses a significant amount of secret information as a result of unauthorised access, which results in significant financial loss for banks.
Keywords: Fintech, cybercrime, cashless transactions.

REFERENCES

1. Purswani, M. CYBER-CRIME IN BANKING SECTOR.

2. Agrawal, S. (2016). Cyber Crime in Banking Sector*. UdgamVigyati, 3, 1-19.

3. Mugari, I., Gona, S., Maunga, M., &Chiyambiro, R. (2016). Cybercrime-the emerging threat to the financial services sector in Zimbabwe. Mediterranean Journal of Social Sciences, 7(3 S1), 135.

4. Sawng, Y. W., Xu, Y., Shin, J. H., & Kim, M. (2022). Economic ripple effect analysis of new converging industry: Focusing on inter-industrial analysis of Fintech industry in South Korea, China and the United States. Journal of Scientific & Industrial Research, 79(2), 116-121.

5. Arunachalam, A., Seetharaman, K., & Agarwal, A. (2021). Cybersecurity by Prediction of Time Synchronization using Bayesian Base Gradient Descent Approach.Journal of Scientific & Industrial Research.

6. Sekhar, B. V. D. S., Raju, B. V., Kumar, N. U., &Chakravarthy, V. V. S. S. S. (2023). Sustainable and Reliable Healthcare Automation and Digitization using Machine Learning Techniques.Journal of Scientific & Industrial Research.

7. Najaf, K., Mostafiz, M. I., & Najaf, R. (2021). Fintech firms and banks sustainability: why cybersecurity risk matters?. International Journal of Financial Engineering, 8(02), 2150019.

8. Iyer, V. M. (2021). Digital Payments The Future Of India. Lessons to Be Learnt From Covid Pandemic: Significance Of Incorporating Inevitable Changes In Diverse Sectors, 21.

9. Nair, D., Veeragandham, M., Pamnani, P., Prasad, S., &Guruprasad, M. (2021). Impact of COVID-19 On Fintech Industry. International Journal of Research in Engineering, Science and Management, 4(2), 27-34.

10. Wewege, L., Lee, J., &Thomsett, M. C. (2020). Disruptions and digital banking trends. Journal of Applied Finance and Banking, 10(6), 15-56.

11. Naz, F., Karim, S., Houcine, A., &Naeem, M. A. (2022). Fintech growth during COVID-19 in MENA region: current challenges and future prospects. Electronic Commerce Research, 1-22.

12. Najaf, K., Schinckus, C., Mostafiz, M. I., & Najaf, R. (2020). Conceptualising cybersecurity risk of fintech firms and banks sustainability.

13. Painoli, G. K., Dhinakaran, D. P., &Vijai, C. (2021). Impact of Fintech on the Profitability of Public and Private Banks in India. Annals of the Romanian Society for Cell Biology, 25(6), 5419-5431.

14. Arner, D. W., Barberis, J., &Buckey, R. P. (2016). FinTech, RegTech, and the reconceptualization of financial regulation. Nw. J. Int'l L. & Bus., 37, 371.

15. Dandapani, K., Joo, M. H., & Nishikawa, Y. (2021). Is FinTech a threat or a promise to banks?. In The Routledge Handbook of FinTech (pp. 216-231). Routledge.

16. Subramanian, M. (2022). The impact of COVID-19 pandemic on innovative Fintech in India. In Innovative Finance for Technological Progress (pp. 288-310). Routledge.

17. Katterbauer, K., Hassan, S. Y. E. D., &Cleenewerck, L. (2022). Financial cybercrime in the Islamic finance metaverse. Journal of Metaverse, 2(2), 56-61.

18. Jayasekara, S. D., &Abeysekara, I. (2019). Digital forensics and evolving cyber law: case of BIMSTEC countries. Journal of Money Laundering Control, 22(4), 744-752.

19. Gupta, R., Kukreja, G., Gupta, A., &Tyagi, L. (2021). Artificial Intelligence Fostering Fintech: Emerging Trends and Use Cases. In Cybersecurity in Emerging Digital Era: First International Conference, ICCEDE 2020, Greater Noida, India, October 9-10, 2020, Revised Selected Papers 1 (pp. 61-73). Springer International Publishing.

20. Arner, D. W., Barberis, J., & Buckley, R. P. (2015). The evolution of Fintech: A new post-crisis paradigm. Geo. J. Int'l L., 47, 1271.

An Empirical Study on Blockchain Based Accounting

Ms.V.Nagarathinam

Pages: 153-158 | First Published: 05 Sep 2023

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Abstract
Blockchain is the technology of the twenty-first century. Due to its immutability, distributed ledger, speedy determination, and enhanced defense features, blockchain is a exceptional technology. Investigating how blockchain technology will impact accounting and auditing is the goal of this project. In the study, the most recent triple entry theory is also covered.
Keywords: Blockchain, Triple Entry Accounting, Smart Contracts, Blocks, Miners, Nodes etc.

References
A systematic review of blockchain* Correspondence: xumin@swufe. edu.cnSouthwestern University of Finance and Economics, Chengdu, China, Xu et al. Financial Innovation (2019) 5:27 https://doi.org/10.1186/s40854-019-0147-z
Blockchain Technology: Benefits, Challenges, Applications, and Integration of Blockchain Technology with Cloud Computing. Future Internet 2022, 14, 341. https://doi.org/10.3390/fi14110341
Michael Crosby, Google Nachiappan, Yahoo Pradhan Pattanayak,YahooSanjeevVerma, Samsung Research America VigneshKalyanaraman,Fairchild Semiconductor, October 16, 2015, University of California Berkeley- BlockChain Technology Beyond Bitcoin
Michael Pisa and Matt Juden, Blockchain and Economic Development: Hype vs. Reality,Center for Global Development 2055 L Street NW Fifth Floor Washington DC 20036 202-416-4000 www.cgdev.org.

Revolutionizing the Financial Landscape: The Rise of Fintech Startups

Dr. B. Thulasipriya

Pages: 159-169 | First Published: 05 Sep 2023

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Abstract
This research paper explores the phenomenon of financial technology (fintech) startups and their profound impact on the global financial industry. Fintech startups have emerged as disruptive innovators, leveraging technological advancements to revolutionize financial services and reshape traditional business models. This paper investigates the drivers behind the rapid rise of fintech startups, their key areas of operation, and the implications for various stakeholders. Furthermore, it examines the challenges and opportunities faced by fintech startups, along with the potential future developments in this dynamic and evolving sector.
Keywords: financial technology, fintech startups, technological advancements, stakeholders, challenges, opportunities, future developments

References

1. Dorfleitner, G., Hornuf, L., Schmitt, M., Weber, M., Dorfleitner, G., Hornuf, L., ... & Weber, M. (2017). Definition of FinTech and description of the FinTech industry. FinTech in Germany, 5-10.

2. Mention, A. L. (2019). The future of fintech. Research-Technology Management, 62(4), 59-63.

3. Rajeswari, P., & Vijai, C. (2021). Fintech industry in India: the revolutionized finance sector. Eur. J. Mol. Clin. Med, 8(11), 4300-4306.

4. Rauniyar, K., Rauniyar, K., & Sah, D. K. (2021). Role of FinTech and innovations for improvising digital financial inclusion. Int. J. Innov. Sci. Res. Technol, 6, 1419-1424.

5. Rybacki, P. (2022). Revolut’s Revolution: The Rise of a Digital Bank (No. THESIS). University of Chicago.

Insurtech: Challenges and Prospects for the Health Insurance Sector in India

Dr. S. Sundararajan

Pages: 170-177 | First Published: 05 Sep 2023

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Abstract
Due to ease access to digital technologies, the advent of insurance technology businesses (InsurTechs) is revolutionising the whole insurance sector and ushering in a new era of business models. Insurtech, or technology-driven innovation in the Insurance industry, has gained prominence in recent years and is resulting in more effective and easy financial services. The insurance sector is continuously evolving in a digital world to keep up with clients' shifting needs. Policyholder expectations are shaped by technological advancements, which also allow insurance companies to introduce new products to the market."Insurtech" refers to the use of technological advancements to the insurance industry with the goal of enhancing customer experience, streamlining business operations, creating new products, and fostering competition. Start-up businesses that enter the insurance industry and transform the entire insurance value chain are the carriers of these phenomena. We will investigate how insurtech might affect the insurance industry. Innovations in insurtech could assist insurers in lowering transaction costs, breaking into new markets, and providing more client-tailored insurance. The experience in risk assessment, client base, and regulatory compliance of incumbents, on the other hand, are their competitive advantages, and all of these are barriers to the growth of the insurtech industry. In order for insurtech businesses and traditional insurers to coexist and grow in a way that benefits policyholders, they must collaborate and combine current technology with experience. A recent trend in the insurance sector is emerging technology-driven advancements. The term coined to describe this situation is "InsurTech." The main distributors of insurance contracts are insurance intermediaries, and a number of digital intermediaries are already working with InsurTech.
Keywords: Technology, Insurtech, Policyholders, Technology-Driven Innovation, Insurance Product.

References
i. Ari Susanto, Digital Transformation of The Insurance Industry:The Potential of Insurance Technology (Insurtech) In Indonesia, Journal of Humanities, Social Sciences And Business, Vol – 2, Issue – 1, Pp. 54 – 60.
ii. Ivan sosa, Oscar Montes, Understanding the InsurTech dynamics in the transformation of the insurance sector, Risk Management and Insurance Review, April – 2022,
iii. https://insurtechdigital.com/insurtech/insurtech-firms-are-they-threat-insurance-companies
iv. LIN, Lin and CHEN, Christopher C. H.. The promises and perils of InsurTech. (2020). Singapore Journal of
v. Legal Studies. 2020, 115-142. Research Collection School Of Law.
vi. Susan Holliday (2019), How Insurtech Can Close the Protection Gap in Emerging Markets, World bank Reports.
vii. Shweta Jain (2021), Insurtech – Revolutionary Scope And Growth With Reference To India, The Management Accountant - December 2021, Pp. 43-46.
viii. Dr. C.K. Muthukumaran et al (2020), The Rural Development Planning in Indian Economy- A New Century, International Journal of Management (IJM) 11 (12), 2856-2863.

"Digital Gold Rush: A Survey of Cryptocurrency Awareness among Coimbatore College Students"

S.Govind Narayan

Pages: 178-187 | First Published: 05 Sep 2023

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Abstract
Today's world is a digital world. Everything is online. The era started to during the 1980s and is ongoing, the world is upgrading faster than we expect in this 21stcentury. Now the digital revolution is in force, the advancement of technology where cryptocurrency and blockchain technology can help change the scientist roadblocks we face by providing everyone access to real-time data and eliminating the major institutions, foundations, and corporations sitting on important information in this digital technology available today. One such invention is a cryptocurrency, which is commonly known as a digital currency. The study aimed at determining the level of awareness among college students towards cryptocurrency, and analysis on the legality and future aspects of cryptocurrency
Keywords : Digital Currency, Crypto currency, Block chain.

Reference
1. D'Alfonso, A., Langer, P., &Vandelis, Z. (2016). The Future of Cryptocurrency. International Security.
2. Mukhopadhyay, U., Skjellum, A., Hambolu, O., Oakley, J., Yu, L., & Brooks, R. (2016). A brief survey of Cryptocurrency systems. 2016 14th Annual Conference on Privacy, Security and Trust, PST 2016. https://doi.org/10.1109/PST.2016.7906988
3. Tschorsch, F., & Scheuermann, B. (2016). Bitcoin and beyond: A technical survey on decentralised digital currencies. IEEE Communications Surveys and Tutorials. https://doi.org/10.1109/COMST.2016.2535718

Adoption of Next Generation Digital Technology in Retail Shopping by Consumers: The case of Mobile Payment Interface

S. Vijayalakshmi

Pages: 188-196 | First Published: 05 Sep 2023

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Abstract
The world is switching from traditional payments to virtual payments, where people are moving towards a cashless economy, since there has been significant technological advancement, particularly in the field of payments. Virtual payments significantly increased as a result of internet use, which also altered market structure, development, and technology innovation. Transparency in transactions is increased as a result of the switch to digital payments, which benefits the economy. A convenient way to pay in-person, online, and in-app is with a virtual wallet rather than with cash or a real credit or debit card. A mobile wallet can be used to carry around virtual money. We can transfer money to a mobile wallet via the Internet or by linking our credit or debit card information to the mobile wallet application on a mobile device. Instead of a traditional credit card, a smartphone, tablet, or smartwatch can be used to make transactions. An individual's account must be linked to a digital wallet in order to add funds to it. Most banks and certain private firms offer e-wallets. Paytm, Airtel Money, Jio Money, SBI Buddy, Citrus Pay, Vodafone Axis Bank Lime, ICICI Pockets, Speed Pay, and more virtual wallets are available. Insights about consumer behavior regarding the uptake of digital wallets in Pondicherry and their effect on spending patterns are the goal of this study.The research utilizesa 2-tailed t-test with a sample size of 200 respondents. The findings suggest that women might bemore inclined to use digital wallets due to safety concerns associated with carrying physical cashor credit cards. Additionally, it appears that digital wallet users tend to overspend, possiblyattributedtotheease and accessibility of transactions.
Keywords: Cash-less economy, digital wallet, technology

References
1.Ashwini, K. (2020). The Journey of Digital Wallets. www.Cybernomics.In. https://.
www.finder.com/digital-wallet-statistics.
2. Shamsher Singh, Study of Consumer Perception of Digital Payment Mode, Journal of Internet Banking and Commerce, Volume22, Issue 3, 2017, pg. 01-14.
3. Bhosale, P. S. T., & Desai, P. V. P. (2012). Payment Gateway Model- Mobile Cash Wallet. November. 3. Brahmbhatt, M. (2018). A Study on Customers’ Perception towards E-Wallets in Ahmedabad City. IUJ Journal of Management, 6(1), 11–15
4. Chandrakala, V. (2019). A Study onCashless Economy in India. 6(01), 110–118. 5. Chauhan, M., &Shingari, I. (2017). Future of e-Wallets: A Perspective From Under Graduates’. International Journal of Advanced Research in Computer Science and Software Engineering, 7(8), 146. https://doi.org/10.23956/ijarcsse.v7i8.42.
5.Goel, R., Sahai, S., Vinaik, A., & Garg, V. (2019). Moving from cash to cashless economy: - A study of consumer perception towards digital transactions. International Journal of Recent Technology and Engineering, 8(1), 1220–1226.

Internet of Things-Importance and Applications

Dr. Geetha Bai .B.

Pages: 197-216 | First Published: 05 Sep 2023

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Abstract
The concept of the Internet of Things (IoT) encompasses a network of interconnected devices facilitated by seamless communication between devices, cloud technology, and device-to-device interactions. This article delves into the evolution and significance of IoT in reshaping various sectors. IoT integrates physical devices through sensors and unique identifiers, enabling real-time communication without direct human intervention. The term "Internet of Things" was coined by Kevin Ashton in 1999, aligning with the trend of internet connectivity. IoT's origins date back to the 1970s, and early instances such as the first internet-connected appliance, a Coke machine, showcased its potential. IoT's evolution is closely linked to supervisory control and data acquisition (SCADA) systems, which eventually gave rise to modern IoT systems. The article explores IoT's growth from 2020 to 2023, where billions of devices are actively collecting and sharing data for both consumer and industrial applications. The article outlines several examples of IoT applications. including connected cars, smart homes, smart cities, and industrial IoT (IIoT). It emphasizes IIoT's impact on various sectors such as manufacturing, logistics, transport, and retail, highlighting its role in predictive maintenance, wearables, and robotics. IoT's significance lies in enhancing convenience, efficiency, and transpires in both consumer and business contexts. The transformative force of IoT prompts organizations to adopt automation, monitor business processes, enhance customer experience, and make informed decisions based on data-driven insights. (Keywords: cloud technology, sensors, internet connectivity, SCADA systems, connected cars, smart homes, smart cities, IIoT, manufacturing, logistics, wearables, automation, data-driven insights, innovation)

References

1. Aggarwal, R. and Lal Das, M. (2012) RFID Security in the Context of “Internet of Things”. First International Conference on Security of Internet of Things, Kerala, 17-19 August 2012, 5156. http://dx.doi.org/10.1145/2490428.2490435 ]

2. Butler, D. (2020) Computing: Everything, Everywhere. Nature, 440,

3. The 9 most important applications of the Internet of Things (IoT) (fracttal.com) https://www.fracttal.com/

4. Real World IoT Applications in (2023https://www.simplilearn.comReal

5. What Is the Internet of Things (IoT)?

6. John Terra (2023)Real-World IoT Applications in https://www.simplilearn.com/

7. Alexander S. Gillis (2023)Internet of things (IoT)www.techtarget.com

An Impact of Industrial Revolution

S.R. Seenivasan

Pages: 217-225 | First Published: 05 Sep 2023

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Abstract
The goal of Industry 5.0, which is thought of as the next stage in industrial evolution, is to combine the creativity of human experts with effective, intelligent, and precise machinery to provide manufacturing solutions that are more user-friendly and resource-efficient than those of Industry 4.0. Industry 5.0 is anticipated to benefit from a variety of promising technologies and applications that will enable increased production and spontaneous delivery of customized products. In this work, we seek to present a survey-based tutorial on prospective applications and supporting technologies of Industry 5.0 to provide a very first discussion on Industry 5.0. We begin by introducing a number of fresh terms and terminology related to Industry 5.0 from the viewpoints of various experts and practitioners in the sector. The possible applications of Industry 5.0, including intelligent healthcare, cloud manufacturing, supply chain management, and manufacturing production, are then thoroughly discussed. In the following section, we talk about some enabling technologies for Industry 5.0, including edge computing, digital twins, collaborative robots, the Internet of Everything, blockchain, and 6G and beyond networks. In order to actualize Industry 5.0, we highlight a number of research hurdles and unresolved problems.
Keywords: Industries Revolutions, Comparisons. Smart Factory, Industry 5.0.

References

Batista, N. C., Melicio, R., & Mendes, V. M. F. (2017), ‘Services enabler architecture for smart grid and smart living services providers under industry 4.0’, Energy and Buildings, Vol. 141, pp.16-27. Bauernhansl, T., Ten Hompel, M., & Vogel-Heuser, B. (Eds.). (2014) ‘Industry 4.0 in Production, Automation, and Logistics: Application, Technologies and Migration’, Wiesbaden: Springer Vieweg, pp. 1-648. Bodrow, W. (2017) ‘Impact of Industry 4.0 in service-oriented firm. Advances in Manufacturing’, Vol. 5, No. 4, pp. 394-400. Brettel, M., Friederichsen, N., Keller, M., & Rosenberg, M. (2014) ‘How virtualization, decentralization and network building change the manufacturing landscape: An Industry 4.0 Perspective’, International Journal of Mechanical, Industrial Science and Engineering, Vol.8, No.1, pp. 37-44. Buer, S. V., Strandhagen, J. O., & Chan, F. T. (2018) ‘The link between Industry 4.0 and lean manufacturing: mapping current research and establishing a research agenda’, International Journal of Production Research, Vol. 56, No.8, pp.2924-2920. Burritt, R., & Christ, K. (2016) ‘Industry 4.0 and environmental accounting: a new revolution?’, Asian Journal of Sustainability and Social Responsibility, Vol.1, No. 1, pp.23-38. Ding, W. (2013) ‘Study of smart warehouse management system based on the IOT’, In intelligence computation and evolutionary computation, Springer, Berlin, Heidelberg, pp. 203-207. Dolgui, A., Ivanov, D., Sethi, S. P., & Sokolov, B. (2018) ‘Scheduling in production, supply chain and Industry 4.0 systems by optimal control: fundamentals, state-of-the-art and applications’, International Journal of Production Research, pp. 1-22. Fatorachian, H., & Kazemi, H. (2018) ‘A critical investigation of Industry 4.0 in manufacturing: theoretical operationalisation framework’, Production Planning & Control, pp. 1-12. Hof, L. A., & Wüthrich, R. (2018) ‘Industry 4.0–Towards fabrication of mass-personalized parts on glass by Spark Assisted Chemical Engraving (SACE)’, Manufacturing Letters, Vol.15, pp. 76-80. Moeuf, A., Pellerin, R., Lamouri, S., Tamayo-Giraldo, S., & Barbaray, R. (2017) ‘The industrial management of SMEs in the era of Industry 4.0’, International Journal of Production Research, Vol. 56, No. 3, pp. 1118-1136. Oesterreich, T. D., & Teuteberg, F. (2016) ‘Understanding the implications of digitization and automation in the context of Industry 4.0: A triangulation approach and elements of a research agenda for the construction industry’, Computers in Industry, Vol. 83, pp. 121-139. Shafiq, S. I., Sanin, C., Toro, C., & Szczerbicki, E. (2015) ‘Virtual engineering object (VEO): Toward experience-based design and manufacturing for industry 4.0’, Cybernetics and Systems, Vol. 46, No.1-2, pp.35-50.

Study on the Impact of Digitalization of Insurance sector-A Special reference to LIC on Coimbatore city

Ms. Geetha K S

Pages: 226-233 | First Published: 05 Sep 2023

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Abstract
Digitalization has had a significant impact on the insurance sector in India, and LIC has been at the forefront of this transformation. The use of digital technologies has helped LIC to reach a wider audience, reduce costs, and improve customer service. For example, LIC has launched a number of online and mobile-based services, such as e-insurance policies, online premium payments, and claim tracking. These services have made it easier for customers to purchase and manage their insurance policies, and they have also helped LIC to improve its efficiency and reduce its costs.The digitalization of the insurance sector is still in its early stages in India, but it has the potential to revolutionize the way that insurance is delivered. LIC is well-positioned to lead this transformation, and its success will have a major impact on the Indian insurance industry.
Keywords: Digitalization, Insurance sector, Life Insurance Corporation of India (LIC),

References
1. Meenakshi Acharya and Dr.C.K. Hebbar, (2016), “Digitalization of Insurance sector: Issues and challenges to an Insurance advisor. In this study explains the earlier model of the insurance industry (personal contact and post cards) and present model of insurance (internet, social media, telephone and SMS)
2. Anshu Arora, (May 2003), “E-insurance: analysis of the impact and implications of E-commerce on the insurance industry,” by this study found current trends within the internet.
3. Dr. Fredrick S. Odoyo, (Nov 2011), “E- insurance: An empirical study of perceived benefits. In this study found and analyze the information and communication technology of private and public insurance sectors.
4. International Association of Insurance Supervisors, (Nov 2018), “Increasing digitalization in insurance and its potential impact on consumer outcomes.” In this study explained the various of digitalization in various countries.
5. Martin Eling and Martin Lehmann, (2018), “The impact of digitalization on the insurance value chain and the insurability of risks.” In this study found the list of digital technologies and its impact the insurer’s value chain.
6. Dr. R. Gokilavani, Mr. D. Venkatesh Kumar, Dr. M. Durgarani, Dr.R.Mahalakshmi (2018), “A study on perception of consumers towards digital payment.” This paper finding the result is most of the customers have moderate level of perception towards digital payment and they satisfy by the user friendly, time savings, convenient, easiness and protection of privacy policy.

Combating Anti-Money Laundering Issues in Fin Tech

Dr.D.Mahila Vasanthi Thangam

Pages: 234-243 | First Published: 05 Sep 2023

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Abstract
The world is driven heavily by money that is illegally acquired and used for illegitimate purposes thus posing a threat to the global economy and its security. Money Laundering is the process of converting or laundering money that has been earned illegally to make it look as if it came from a legal source.Financial institutions are among the most vulnerable to money laundering. In this conceptual article, the authors have taken a serious look at Money Laundering in Fin Tech and the steps taken by Reserve Bank of Indiaand Central Government to curb money laundering and steps to be taken by FinTech companies in combating money laundering in the parallel economy.
Keywords: Money Laundering, Know Your Customer (KYC) Practices, Anti-Money Laundering (AML) Regime, Financial Technology, Terrorism financing

References
1. (2002). 1. Sec. 2(1) (p) of Prevention of Money Laundering Act.
2. Abdullahi Y Shehu (2012). (n.d.). Crime Law Soc Change, 305-323.
3. (n.d.). Article 1 of EC directive on Prevention of the use of the Financial system for the purpose of money laundering.
4. Asish Kumar Raha.Retrieved from http://www.iimb.ernet.in/research/sites/default/files/06.06.2014%20(abstract).pdf
5. BhureLal.Retrieved from http://) retrieved from http://fame-india.com/up47/Bhurelal_Money_Laundering.pdf
6. Brian P Joyce. (2002). Dynamics and Deficiencies of Anti Money Laundering Efforts in Myanmar. Journal of Money Laundering and Control, 6(1), 80-84.
7. Chat LE NGUYEN. (2014). The International Money Laundering Regime and its Adoption by Vietnam. Asian Journal of International Law, 4, 197-225.
8. Fredrick T Stocker. (2012). Anti-Corruption developments in the BRIC Countries. Manufacturers Alliance for Productivity and Innovation, Virgina,.

9. Jayasuriya, D. (2009). Anti-money laundering efforts, stock market operations and good governance. Qualitative Research in Financial Markets. doi:10.1108/17554170910939955
10. Joanna Trautsolt&Jesper Johnson. (2012). International Money Laundering regulation of alternative remittance systems, why the current approach does not work in developing countries. Journal Of Money Laundering and Control, 15(4), 407-420.
11. Madhukar, V., & Bajaj, R. (2015). Impact of Anti Money Laundering Laws on Banks: An Australian case study for India. The Management Accountant, 50(7), 88-96.
12. Mugarura, N. (2011). The global anti-money laundering court as a judicial and institutional imperative. Journal of Money Laundering Control. doi:10.1108/13685201111098888
13. Ping He. (2010). A Typological Study on Money Laundering. Journal of Money Laundering Control,,13(1), 15-32.
14. South Africa best among BRICS in corruption index: TI | The BRICS Post. (n.d.). Retrieved from http://thebricspost.com/south-africa-best-among-brics-in-corruption-index-ti/#.VfaWChFViko
15. Vandanaajaykumar. (2012). money laundering, concepts and significance. European Journal of Business and Management, Vol.4, No.2, 2012, 4(2).
16. World check BMR advisors. (2009, September 20). http://www.bmradvisors.com/upload/documents/AML%20Survey%20Report%20Sep20091251965180. Retrieved from //www.bmradvisors.com/upload/documents/AML%20Survey%20Report%20Sep20091251965180.pdfWorld Check and BMR advisors (2009), Anti – Money Laundering in India, A Survey Report
17. Yurychikhanchin, Head of the Russian Federal Service for Financial Monitoring, Delegation of BRICS countries discussions on combating financial irregularities. (n.d.).
18. https://www.sabric.co.za/stay-safe/money-
19. laundering/#:~:text=MODUS%20OPERANDI&text=Often%20the%20money%20that%20is,money%20was%20proceeds%20of%20crime.
20. https://www.lawinsider.in/columns/modus-operandi-for-money-laundering
21. https://legal.thomsonreuters.com/en/insights/articles/fintech-reinforcement-for-banks-anti-money-laundering-efforts
22. https://www.legalservicesindia.com/article/2426/Money-Laundering-Evolution,-Means-of-Committing-and-Fight-Against.html
23. https://www.mondaq.com/india/money-laundering/1169784/the-rise-of-money-laundering-in-banking-sector-in-india-how-unsafe-is-the-public-money 24. https://www.mondaq.com/india/money-laundering/1169784/the-rise-of-money-laundering-in-banking-sector-in-india-how-unsafe-is-the-public-money 25. https://cleartax.in/s/ckyc-india 26. https://sanctionscanner.com/

A Study on Digital Lending Revolution: Transforming Banks and Nbfc’s in India

Dr.U.Vani

Pages: 244-248 | First Published: 05 Sep 2023

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Abstract
This study examines the profound changes occurring within the banking and Non-Banking Financial Company (NBFC) sectors as a result of their foray into digital lending services. This study delves into the pivotal role that technology plays in reshaping the way traditional banks and NBFCs offer loans and credit facilities to their customers. It explores how these financial institutions leverage digital platforms to streamline loan origination, enhance credit assessment through innovative algorithms, and improve customer engagement. Additionally, this research discusses the challenges faced by banks and NBFCs in transitioning to digital lending and the strategies they employ to thrive in this competitive landscape. This paper provides valuable perspectives on the evolution of banking and NBFCs in the era of digital lending.

References

1. Basha, M. M. J., Gupta, A., Raphael, P. D., Rajeev, V., & KVS, R. R.(2021) The Role of Digital Platforms in Revolutionizing the Lending Sector, International Journal of Innovative Research in Science, Engineering and Technology (IJIRSET), e-ISSN: 2319-8753, p-ISSN: 2320-6710, Vol 10(6), pp no: 6529-6536.

2. Panday, K. K., & Yadav, B. (2022). A Study on Role of Fintech in Digital Lending: Statuss Quo And Way Forward. International Journal on Research and Analytical Reviews, (E-ISSN 2348-1269, P- ISSN 2349-5138), Vol 9 (4), pp no: 83-91.

3. Panchal, N. (2022). The Role of Digitalisation In Lending Procedure: Digital Lending vs Traditional Lending. Available at SSRN 4296650.

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Journal Issues

Measuring the Impact of Green Banking Practices on Environmental Performance of the Banks

Consumer Perception towards Mobile Payments and Digital Wallets in Coimbatore City

Deposit Mobilisation of Scheduled Commercial Banks and its Impact on Indian Economy

E-Nam: A Boon for Farmers in Rural India

A Study on Digital Payment Towards the Purchase of Gold Jewellery in Tirunelveli

Consumer Perception Towards Smart Contracts and Automated Payments

The Unicorn Revolution: Fintech Start-ups in the Indian Market

Securing E-Banking Services: Fortifying Cyber Defenses and Ensuring Safety

Central Bank Digital Currency in India: Prospects and Challenges

Block Chain Technology and Business Design

Artificial Intelligence in Education

Adopting and Managing Digital Identity in Fintech Sector

Possibilities and Challenges in Applicability of Artificial Inteligence in Agriculture Sector

The Impact of Central Bank Digital Currencies in India

Beyond Diagnosis: An Overview of AI in Google Health

E-Banking services provided by selected banks in Coimbatore City

Growth of Fintech in India and it’s Challenges

Artificial Intelligence and Industry 5.0: A Conceptual Study on Harnessing AI for Absorbing Harmful Radiations to Protect Human

Unleashing the Potential of Industry 5.0 Through AI: An AHP-Guided Roadmap

A Study on Cybercrimes Faced by the Customer’s Usage of Cashless Payments Using Fintech

An Empirical Study on Blockchain Based Accounting

Revolutionizing the Financial Landscape: The Rise of Fintech Startups

Insurtech: Challenges and Prospects for the Health Insurance Sector in India

"Digital Gold Rush: A Survey of Cryptocurrency Awareness among Coimbatore College Students"

Adoption of Next Generation Digital Technology in Retail Shopping by Consumers: The case of Mobile Payment Interface

Internet of Things-Importance and Applications

An Impact of Industrial Revolution

Study on the Impact of Digitalization of Insurance sector-A Special reference to LIC on Coimbatore city

Combating Anti-Money Laundering Issues in Fin Tech

A Study on Digital Lending Revolution: Transforming Banks and Nbfc’s in India

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