Journal Issues

References

• Merriam, E., & Belkhayat, N.(2023). Fin tech Solutions’ adoption: A Systematic Literature Review. In Springer eBooks (pp.191–203). https://doi.org/10.1007/978-3- 031-23844-4_15

• Giglio,F. (2021). Fin tech: a Literature Review. International business research, 15 (1), 80. https://doi.org/10.5539/ibr.v15n1p80.

• PhatTien, Pham. (2021). the Factors of Fin tech: A Literature Review. 395-405. 10.7441/dokbat.2021.34.

References
1. Aakriti Bhalla. (2022). https://www.financialexpress.com/industry/banking-finance/digital-
payments-through-upi-kickstart-2022-on- strong-foot-with-transactions-worth-rs-8-32-lakh- crore injan/2425088/a-brief-trajectory-of-fintech-revolution-in-india.

2. Ahmad Daragmeh et al. (2021). COVID-19 Pandemic: Integrating the Health Belief Model (HBM) and Technology Continuous Theory (TCT). Journal of Open Innovation  :https://doi.org/10.3390/joitmc7020132, 1- 23.
3. Barnes David (1997), “Introduction to Photography 1 & 2” (accessed February 21), [available at http://www.vibard@resntl.bhp.com.au].
4. Barnes David (1997), “Introduction to Photography 1 & 2” (accessed February 21), [available at http://www.vibard@resntl.bhp.com.au].
5. Bauer R. A. (1960), “Consumer Behavior as Risk Taking,” Dynamic Marketing for a Changing World,  Hancock Robert S., ed. Chicago: American Marketing Association, 389–98.
6. Bettman James R., Johnson Eric J., and Payne John W. (1991), “Consumer Decision Making,”  in  Handbook of Consumer Behavior, Robertson T.S., and Kassarjian H.H., eds. Englewood Cliffs, NJ: Prentice Hall, 50–84. 
7. Chaithanya Bandi et al. (2019). The Effect of Payment Choices on the Effect of Payment Choices on Indian Demonetization. Hardward Business school working paper, 19-123. 
8. Einhorn Hillel J., and Hogarth Robin M. (1981), “Behavioral Decision Theory: Processes of Judgment and Choice,” in Annual Review of Psychology, Vol. 32, Rosenzweig M.R., and Porter L.W., eds. Palo Alto, CA: Annual Reviews, 53–88. 
9. Farah Diba Abrantes Braga et al. (2013). Do Digital Wallets as a Payment Method Influence Consumer in TheirBuying Behavior? En ANPAD, 1-16. 
10. Gentner Dedre, Rattermann Mary Jo, and Forbus Kenneth (1993), “The Roles of Similarity in Transfer: Separating Retrievability from Inferential Soundness,” Cognitive Psychology, 25 (4), 524–75. 
11. Holyoak Keith, and Thagard Paul (1989), “A Computational Model of Analogical Learning,” in Similarity and Analogical Reasoning, Vosniadou Stella, and Ortony Andrew, ed. Cambridge, UK: Cambridge University Press, 242–66.
12.https://pib.gov.in/PressReleasePage.aspx?PRID=1897272#:~:text=Digital%20payment%20 transactions%20have%20significantly,RBI%2C%20NPCI%20and%20banks). 
13. Jashim Khan. (2011). Cash or Card: Consumer Perceptions of Payment Modes. Thesis: Auckland University of Technology, 1-207. 
14. Jason Steele et al. (2022, april 20). Payment method statistics. Retrieved from https://www.creditcards.com/statistics/: https://www.creditcards.com/statistics/payment- method-statistics-1276/ 
15. Mahajan Vijay, Muller Eitan, and Bass Frank M. (1995), “Diffusion of New Products:  Empirical Generalizations and Managerial Uses,” Marketing Science, 14 (3, Part 2), G79–G88. 
16. Mridula M Menon, Harihara Sudhan Ramakrishnan. (2019).  Revolution of E-Wallets Usage among Indian Millennial. International Journal of Recent Technology and Engineering (IJRTE), 8306- 8312. 
17. Park C. Whan, Mothersbaugh David L., and Feick Lawrence (1994), “Consumer Knowledge  Assessment,” Journal of Consumer Research, 21 (June), 71–82. 
18. Propelling India’s Digital Payments Revolution to Usher Financial Empowerment . (2022, april 20). Retrieved from  https://social-innovation.hitachi/: https://social-innovation.hitachi/en- in/knowledgehub/hitachi-
voice/digital-payments-revolution/
 

References
1. Kim, Y., Park, Y. J., Choi, J, & Yeon, J. (2015). An Empirical Study on the Adoption of “Fin tech” Service: Focused on Mobile Payment Services. Advanced Science and Technology Letters, 114, 136-140
2. Eltayeb, M., & Dawson, M. (2016). Understanding User’s Acceptance of Personal Cloud Computing: Using the Technology Acceptance Model. Information Technology: New Generations, 448, 3-12.
3. Al-Dmour, H. et al. (2021). The influence of the practices of big data analytics applications on bank performance: filed study. VINaE Journal of Information and Knowledge Management Systems.
4. Yu, T.R. & Song, X. (2021). Big Data and Artificial Intelligence in the Banking Industry. in: Cheng Few Lee & John C Lee (ed.), Handbook of Financial Econometrics, Mathematics, Statistics, and Machine Learning, World Scientific Publishing, pp. 4025-4041.

References

• We can conclude that, Blockchain technology has established itself as a game-changing invention with the potential to transform a variety of industries. 
• The decentralized and immutable nature of data management and transactions improves the security, and efficiency of data administration and transactions. 
• Despite challenges and scalability issues, further development and acceptance will most likely pave the way for a more inclusive and decentralized digital future.

References

• Hayes, A. S. (2018). Cryptocurrency value formation: An empirical study leading to a cost of production model for valuing bitcoin. Telematics and Informatics.

• Cheung, A., Roca, E., & Sú, J. J. (2019). Crypto-currency bubbles: an application of the  Phillips–Shi–Yu(2013) methodology on Mt. Gox bitcoin prices. Applied Economics, 47 (23), 2348-2358. 

• Gladden,M.E. (2020). Crypto currency with a conscience: Using artificial intelligence to develop moneythat advances human ethical values. 

• Houy, N. (2021). It Will Cost You Nothing to’Kill’a Proof-of-Stake Crypto- Currency. SSRN.

• Al Shehhi, A., Oudeh, M., & Aung, Z. (2022, December). Investigating factors behind choosing a cryptocurrency. In Industrial Engineering and Engineering Management (IEEM), 2014 IEEE International Conference on (pp. 1443-1447). IEEE. 

References

• Hayes, A. S. (2018). Cryptocurrency value formation: An empirical study leading to a cost of  production model for valuing bitcoin. Telematics and Informatics.

• Cheung, A., Roca, E., & Sú, J. J. (2019). Crypto-currency bubbles: an application of the  Phillips–Shi–Yu(2013) methodology on Mt. Gox bitcoin prices. Applied Economics, 47 (23), 2348-2358. 

• Gladden,M.E. (2020). Crypto currency with a conscience: Using artificial intelligence to develop money that advances human ethical values. 

• Houy, N. (2021). It Will Cost You Nothing to’Kill’a Proof-of-Stake Crypto- Currency. SSRN.

• Al Shehhi, A., Oudeh, M., & Aung, Z. (2022, December). Investigating factors behind choosing a cryptocurrency. In Industrial Engineering and Engineering Management (IEEM),  2014 IEEE International Conference on (pp. 1443-1447). IEEE. 

References

[1] https://www.blockchain.com 
[2] https://m.economictimes.com/markets/cryptocurrency
[3] D. Drescher, Blockchain basics. Apress, 2017.
[4] B. Singhal, G. Dhameja, and P. S. Panda, Beginning Blockchain: A Beginner’ Guide to Building Blockchain Solutions. A press, 2018.
[5] B. Marr, “A short history of bitcoin and crypto currency everyone should  read,”
[6] https://www.forbes.com/sites/bernardmarr/2017/12/06/a-short- history-of- bitcoin-and- crypto-currency-everyone-should-read/ 

1) Hariyono A., Tjahjadi B. The role of intellectual capital in the development of financial technology in the new normal period in Indonesia. J. Asian Finance, Econ. Bus. 2021;8(1):217–224.
2) Grzelczak A., Kosacka M., Werner-Lewandoswka . 24th International Conference on Production Research (ICPR) 2017. Employee competencies for industry 4.0 in Poland – preliminary research results; pp. 139–144.
3) Maiti M., Vuković D., Mukherjee A., Paikarao P.D., Yadav J.K. Advanced data integration in banking, financial, and insurance software in the age of COVID- 19. J. Software: Pract. Exp. 2021;52(4):887–903.
4) Baber, H. FinTech, Crowdfunding and Customer Retention in Islamic Banks. Vision 2020, 24, 260–268.
5) .Zhang, B.Z.; Ashta, A.; Barton, M.E. Do FinTech and financial incumbents have different experiences and perspectives on the adoption of artificial intelligence? Strateg. Chang. 2021, 30, 223–234.
6) Hornuf, C.; Hornuf, L. The emergence of the global fintech market: Economic and technological determinants. Small Bus. Econ. 2019, 53, 81–105.

References
1) Hariyono A., Tjahjadi B. The role of intellectual capital in the development of financial technology in the new normal period in Indonesia. J. Asian Finance, Econ. Bus. 2021;8(1):217–224.
2) Grzelczak A., Kosacka M., Werner-Lewandoswka . 24th International Conference on Production Research (ICPR) 2017. Employee competencies for industry 4.0 in Poland – preliminary research results; pp. 139–144.
3) Maiti M., Vuković D., Mukherjee A., Paikarao P.D., Yadav J.K. Advanced data integration in banking, financial, and insurance software in the age of COVID- 19. J. Software: Pract. Exp. 2021;52(4):887–903.
4) Baber, H. FinTech, Crowdfunding and Customer Retention in Islamic Banks. Vision 2020, 24, 260–268.
5) .Zhang, B.Z.; Ashta, A.; Barton, M.E. Do FinTech and financial incumbents have different experiences and perspectives on the adoption of artificial intelligence? Strateg. Chang. 2021, 30, 223–234.
6) Hornuf, C.; Hornuf, L. The emergence of the global fintech market: Economic and technological determinants. Small Bus. Econ. 2019, 53, 81–105.

References
1. Alt, M. A., Saplacan, Z., Benedek, B., & Nagy, B. Z. (2021). Digital touchpoints and multichannel segmentation approach in the life insurance industry. International journal of retail & distribution management, 49(5), 652-677.
2. Bohn, J. (2018). Digitally-driven change in the insurance industry--disruption or transformation? Journal of Financial Transformation, 48, 76-87.
3. Bohnert, A., Fritzsche, A., & Gregor, S. (2019). Digital agendas in the insurance industry: the importance of comprehensive approaches. The Geneva Papers on Risk and Insurance-Issues and Practice, 44, 1-19.
4. Cappiello, A. (2020). The digital (r) evolution of insurance business models. American Journal of Economics and Business Administration, 12(1), 1-13.
5. Catlin, T., Lorenz, J. T., Nandan, J., Sharma, S., & Waschto, A. (2018). Insurance beyond digital: The rise of ecosystems and platforms. McKinsey & Company.
6. Cebulsky, M., Günther, J., Heidkamp, P., & Brinkmann, F. (2017). The digital insurance–facing customer expectation in a rapidly changing world. In Digital marketplaces unleashed (pp. 359-370). Berlin, Heidelberg: Springer Berlin Heidelberg.
7. Eckert, C., Eckert, J., & Zitzmann, A. (2021). The status quo of digital transformation in insurance sales: an empirical analysis of the german insurance industry. Zeitschrift für die gesamte Versicherungswissenschaft, 110(2-3), 133-155.
8. Jayameena Desikan, & Jayanthila Devi, A. (2021). Digital Transformation in Indian Insurance Industry – A Case Study. International Journal of Case Studies in Business, IT, and Education, 5(2), 184-196.
9. Klapkiv, L., & Klapkiv, J. (2017). Technological innovations in the insurance industry.

References

• https://timesofindia.indiatimes.com/india/over-rs-4000cr-laundered-via-cryptosunearthed-in-1-year/articleshow/87939180.cms

• https://www.blockchain-council.org/blockchain/blockchain-real-world-use-cases/

• https://main.sci.gov.in/supremecourt/2018/19230/19230_2018_4_1501_21151_Judg ement_04-Mar-2020.pdf

• https://www.forbes.com/sites/forbestechcouncil/2023/01/31/how-fintech-and- blockchain-are-evolving-and-disrupting-financial-institutions/ 

• https://economictimes.indiatimes.com/markets/cryptocurrency-ban

• https://economictimes.indiatimes.com/markets/cryptocurrency-ban

References 

https://timesofindia.indiatimes.com/india/over-rs-4000cr-laundered-via-cryptos- unearthed-in-1-year/articleshow/87939180.cms
https://www.blockchain-council.org/blockchain/blockchain-real-world-use-cases/ https://main.sci.gov.in/supremecourt/2018/19230/19230_2018_4_1501_21151_Judg ement_04-Mar-2020.pdf https://www.forbes.com/sites/forbestechcouncil/2023/01/31/how-fintech-and- blockchain-are-evolving-and-disrupting-financial-institutions/ https://economictimes.indiatimes.com/markets/cryptocurrency-ban https://economictimes.indiatimes.com/markets/cryptocurrency-ban

References

1. “State of blockchain q1 2016: Blockchain funding overtakes bitcoin,” 2016.  [Online]. Available: http://www.coindesk.com/ state-of-blockchain-q1-2016/.

2. S. Nakamoto, “Bitcoin: A peer-to-peer electronic cash system,” 2008. [Online].  Available: https://bitcoin.org/bitcoin.pdf.

3. G. W. Peters, E. Panayi, and A. Chapelle, “Trends in crypto-currencies and  blockchain technologies: A monetary theory and regulation perspective,” 2015. [Online]. Available: http://dx.doi.org/10.2139/ssrn. 2646618 .

4. G. Foroglou and A.-L. Tsilidou, “Further applications of the blockchain,” 2015. 

5.  Kosba, A. Miller, E. Shi, Z. Wen, and C. Papamanthou, “Hawk: The blockchain model of cryptography and privacy-preserving smart contracts,” in Proceedings of IEEE Symposium on Security and Privacy (SP), San Jose, CA, USA, 2016, pp. 839–858. 

6.  W. Akins, J. L. Chapman, and J. M. Gordon, “A whole new world: Income tax considerations of the bitcoin economy,” 2013. [Online]. Available: https://ssrn.com/abstract=2394738 .

7. Y. Zhang and J. Wen, “An iot electric business model based on the protocol of  bitcoin,” in Proceedings of 18th International Conference on Intelligence in Next Generation Networks (ICIN), Paris, France, 2015, pp. 184–191. 

8. M. Sharples and J. Domingue, “The blockchain and kudos: A distributed system for educational record, reputation and reward,” in Proceedings of 11th European Conference on Technology Enhanced Learning (EC-TEL 2015), Lyon, France, 2015, pp. 490–496. 

9. Noyes, “Bitav: Fast anti-malware by distributed blockchain consensus and feedforward scanning,” arXiv preprint arXiv:1601.01405, 2016. 

10. “Antshares digital assets for everyone,” 2016. [Online]. Available:https://www.antshares.org 

11.  M. Vukolic, “The quest for scalable blockchain fabric: Proof-of-work ´ vs. bft replication,” in International Workshop on Open Problems in Network Security, Zurich, Switzerland, 2015, pp. 112–125. 

12. C. Decker, J. Seidel, and R. Wattenhofer, “Bitcoin meets strong consistency,” in Proceedings of the 17th International Conference on Distributed Computing and  Networking (ICDCN). Singapore, Singapore: ACM, 2016, p. 13.

13.  D. Kraft, “Difficulty control for blockchain-based consensus systems,” Peer-to-  Peer Networking and Applications, vol. 9, no. 2, pp. 397–413, 2016.

14.  Y. Sompolinsky and A. Zohar, “Accelerating bitcoin’s transaction processing. fast   money grows on trees, not chains.” IACR Cryptology ePrint Archive, vol. 2013, no. 881, 2013. 

15. A. Chepurnoy, M. Larangeira, and A. Ojiganov, “A prunable blockchain consensus protocol based on non-interactive proofs of past states retrievability,” arXiv preprint arXiv:1603.07926, 2016.

16.  J. Bruce, “The mini-blockchain scheme,” July 2014. [Online]. Available: http://cryptonite.info/files/mbc-scheme-rev3.pdf.

17. J. van den Hooff, M. F. Kaashoek, and N. Zeldovich, “Versum: Verifiable computations over large public logs,” in Proceedings of the 2014 ACM SIGSAC Conference on Computer and Communications Security, New York, NY, USA, 2014, pp. 1304–1316. 
     

1) Yang Liu a,b, Debiao He a,b,∗, Mohammad S. Obaidat, Fellow of IEEE cede, Neeraj Kumarf,i , Muhammad Khurram Khan g, Kim-Kwang Raymond Cho, Block chain-based identity management systems: A review, Journal of Network and Computer Applications 166 (2020) 102731
2) Rishabh Garg, Distributed ecosystem for identity management, Journal of Block chain Research Volume 1 (2022) 51–63
3) Sulochana Devi, Shrineeth Kotian, Maneesh Kumavat, Dixit Patel, Digital Identity Management System Using Block chain, SSRN, April 3, 2022
4) Andrej. J. Zwitter, Oskar. J. Gstrein, Evan Yap, Digital Identity and the Block chain: Universal Identity Management and the Concept of the “Self-Sovereign”
Individual, Volume 3 - 2020 | https://doi.org/10.3389/fbloc.2020.00026,
5) Megan E. Curtis , Sarah E. Clingan, Huiying Guo MS, Yuhui Zhu, Larissa J. Mooney MD, Yih-Ing Hser , The Journal of Rural Health, Volume 38- August- 2021,
6) Haifa Alanzi, Mohammad Alkhatib, https://doi.org/10.3390/app122312415
7) Alexandra Giannopoulou, Digital Identity Infrastructures: A Critical Approach of Self- Sovereign Identity, (June, 2022), Springer,
https://doi.org/10.1007/s44206-023-00049-z
8) Joseph Adeji, Samuel Adams, Issac Kofi Mensah, Peter Ebo Tobin, Solomon Odei- Appiah Digital Identity Management on social media: Exploring the Factors That Influence Personal Information Disclosure on social media, Sustainability, November 2020
9) Jameela Alsayed Kaseem, Sarwar Sayeed, Hector Marco-Gisbert, Zeeshan Pervez and Keshav Dahal, DNS-IdM: A Block chain Identity Management

References 
1) Yang Liu a,b, Debiao He a,b,∗, Mohammad S. Obaidat, Fellow of IEEE cede, Neeraj Kumarf,i , Muhammad Khurram Khan g, Kim-Kwang Raymond Cho, Block chain-based identity management systems: A review, Journal of Network and Computer Applications 166 (2020) 102731
2) Rishabh Garg, Distributed ecosystem for identity management, Journal of Block chain Research Volume 1 (2022) 51–63
3) Sulochana Devi, Shrineeth Kotian, Maneesh Kumavat, Dixit Patel, Digital Identity Management System Using Block chain, SSRN, April 3, 2022
4) Andrej. J. Zwitter, Oskar. J. Gstrein, Evan Yap, Digital Identity and the Block chain: Universal Identity Management and the Concept of the “Self-Sovereign”
Individual, Volume 3 - 2020 | https://doi.org/10.3389/fbloc.2020.00026,
5) Megan E. Curtis , Sarah E. Clingan, Huiying Guo MS, Yuhui Zhu, Larissa J. Mooney MD, Yih-Ing Hser , The Journal of Rural Health, Volume 38- August- 2021,
6) Haifa Alanzi, Mohammad Alkhatib, https://doi.org/10.3390/app122312415
7) Alexandra Giannopoulou, Digital Identity Infrastructures: A Critical Approach of Self- Sovereign Identity, (June, 2022), Springer,
https://doi.org/10.1007/s44206-023-00049-z
8) Joseph Adeji, Samuel Adams, Issac Kofi Mensah, Peter Ebo Tobin, Solomon Odei- Appiah Digital Identity Management on social media: Exploring the Factors That Influence Personal Information Disclosure on social media, Sustainability, November 2020
9) Jameela Alsayed Kaseem, Sarwar Sayeed, Hector Marco-Gisbert, Zeeshan Pervez and Keshav Dahal, DNS-IdM: A Block chain Identity Management

1) Demertzis, M. M. (2017). Capital Markets Union and the Fintech Opportunity. blockchains.com/top-fintech-tools/. (n.d.).
2) Buchak, G. M. ( 2017). Fintech,Regulatory Arbitrage and the Rise of Shadow Banks. . NBER Working Paper 23288. .
3) Competition and Stability in Banking. Princeton University Press. EUROPEAN ECONOMY . (2017.2_105).
4) Deloitte, B. P. (2016). Millenials and wealth management – Trends and challenges of the new clientele.
5) esearchgate.net/publication/330194103_Financial_Technologies_FinTech_In struments_mechanisms_and_financial_products. (n.d.).file:///Users/hugoferradansramonde/Downloads/sdn1705.pdf KPMG (2017). (n.d.).
6) Global Fintech 2023 Reimagining the Future of Finance May 2023 By Deepak Goyal, R. V. (n.d.).
http://www.ey.com/gl/en/industries/financial-services/ey-fintech-adoption- index Financial Stability Board (2017). (n.d.).
http://www.fsb.org/2017/06/financial-stability-implications-from-fintech/ IMF (2017). . (n.d.).
https://assets.kpmg.com/content/ dam/kpmg/xx/pdf/2017/07/pulse-of- fintech-q2-2017. (n.d.).
https://due.com/11-amazing-fintech-tools-business/. (n.d.). https://scholar.google.co.in/scholar?q=FinTech+research+papers+PDF&hl
=en&as_sdt=0&as_vis=1&oi=scholart. (n.d.). https://www.forbes.com/sites/forbesfinancecouncil/2017/05/24/fintech-
tools-that-can-change-the-world-of-finance/?sh=1f7bb60652ff. (n.d.).
7) Kavuri: Crawford School of Public Policy, A. N. (n.d.). Australia and School of Business and Economics Loughborough University, UK. .

Reference 
1) Demertzis, M. M. (2017). Capital Markets Union and the Fintech Opportunity. blockchains.com/top-fintech-tools/. (n.d.).
2) Buchak, G. M. ( 2017). Fintech,Regulatory Arbitrage and the Rise of Shadow Banks. . NBER Working Paper 23288. .
3) Competition and Stability in Banking. Princeton University Press. EUROPEAN ECONOMY . (2017.2_105).
4) Deloitte, B. P. (2016). Millenials and wealth management – Trends and challenges of the new clientele.
5) esearchgate.net/publication/330194103_Financial_Technologies_FinTech_In struments_mechanisms_and_financial_products. (n.d.).file:///Users/hugoferradansramonde/Downloads/sdn1705.pdf KPMG (2017). (n.d.).
6) Global Fintech 2023 Reimagining the Future of Finance May 2023 By Deepak Goyal, R. V. (n.d.).
http://www.ey.com/gl/en/industries/financial-services/ey-fintech-adoption- index Financial Stability Board (2017). (n.d.).
http://www.fsb.org/2017/06/financial-stability-implications-from-fintech/ IMF (2017). . (n.d.).
https://assets.kpmg.com/content/ dam/kpmg/xx/pdf/2017/07/pulse-of- fintech-q2-2017. (n.d.).
https://due.com/11-amazing-fintech-tools-business/. (n.d.). https://scholar.google.co.in/scholar?q=FinTech+research+papers+PDF&hl=en&as_sdt=0&as_vis=1&oi=scholart.(n.d.). https://www.forbes.com/sites/forbesfinancecouncil/2017/05/24/fintech-tools-that-can-change-the-world-of-finance/?sh=1f7bb60652ff. (n.d.).
7) Kavuri: Crawford School of Public Policy, A. N. (n.d.). Australia and School of Business and Economics Loughborough University, UK. .

1. Bonnie G. Buchanan, P. F. (2019, April). Artificial intelligence in finance. Retrieved 5 22, 2020, from The Alan Turing Institute.
2. Latimore, D. (2018) Artificial Intelligence In Banking
3. Dr. NavleenKaur, Supriya Lamba Sahdev, Dr. Monika Sharma and Laraibe Siddiqui 2020 Banking 4.0: “The Influence Of Artificial Intelligence On The Banking Industry & How Ai Is Changing The Face Of Modern Day Banks”
4. IJSART - Volume 4 Issue 4 – APRIL 2018 Kinjal Patel- Artificial Intelligence In Finance 5. International Journal of Management, Technology And Engineering Volume 8, Issue VII, July 2018 ISSN NO : 2249-7455 - Dr.Simran Jewandah How Artificial Intelligence Is Changing The Banking Sector –A Case Study of top four Commercial Indian Banks.
5. M. Bhuvana, P. G. Thirumagal and S .Vasantha, Big Data Analytics - A Leveraging Technology for Indian Commercial Banks, Indian Journal of Science and Technology, Vol 9 (32), August 2016
6. “Banking in the age of disruption,” EY, February 2017
7. https://www.businesstoday.in/magazine/special/hdfc-bank-digital-transformation best- indian-largebank-2014/story/213957.html
8. https://www.goodworklabs.com/artificial-intelligence-in-banking-industry/ 9.https://www2.deloitte.com/content/dam/Deloitte/in/Documents/financial-
services/infs-deloitte-bankingcolloquium-thoughtpaper-cii.pdf 10.http://www.ey.com/Publication/vwLUAssets/ey-banking-of-the-future-
embracingtechnologies/FILE/ey-banking-of-the-future-embracing- technologies.pdf

References 
1. Bonnie G. Buchanan, P. F. (2019, April). Artificial intelligence in finance. Retrieved 5 22, 2020, from The Alan Turing Institute.
2. Latimore, D. (2018) Artificial Intelligence In Banking
3. Dr. NavleenKaur, Supriya Lamba Sahdev, Dr. Monika Sharma and Laraibe Siddiqui 2020 Banking 4.0: “The Influence Of Artificial Intelligence On The Banking Industry & How Ai Is Changing The Face Of Modern Day Banks”
4. IJSART - Volume 4 Issue 4 – APRIL 2018 Kinjal Patel- Artificial Intelligence In Finance 5. International Journal of Management, Technology And Engineering Volume 8, Issue VII, July 2018 ISSN NO : 2249-7455 - Dr.Simran Jewandah How Artificial Intelligence Is Changing The Banking Sector –A Case Study of top four Commercial Indian Banks.
5. M. Bhuvana, P. G. Thirumagal and S .Vasantha, Big Data Analytics - A Leveraging Technology for Indian Commercial Banks, Indian Journal of Science and Technology, Vol 9 (32), August 2016
6. “Banking in the age of disruption,” EY, February 2017
7.https://www.businesstoday.in/magazine/special/hdfc-bank-digital-transformation best- indian-largebank-2014/story/213957.html
8.https://www.goodworklabs.com/artificial-intelligence-in-banking-industry/ 9.https://www2.deloitte.com/content/dam/Deloitte/in/Documents/financial-
services/infs-deloitte-bankingcolloquium-thoughtpaper-cii.pdf 10.http://www.ey.com/Publication/vwLUAssets/ey-banking-of-the-future-
embracingtechnologies/FILE/ey-banking-of-the-future-embracing- technologies.pdf

References

1. May Love Haguingan Thailand (2023).The Emotional Behaviors of Crypto currency Traders and Investors The Emotional Behaviors of Crypto currency. 10.13140/RG.2.2.20366.33607.
2. Adaobi, Chukwuma & A., Atianashie. (2023). Understanding Crypto currency and Blockchain Technology.
3. Taherdoost, Hamed. (2022). Block chain Technology and Artificial Intelligence Together: A Critical Review on Applications. Applied Sciences. 12. 12948. 10.3390/app122412948
4. Chen, Xia & Miraz, Mahadi & Gazi, Md. Abu & Rahaman, Md Atikur & Habib, Md. Mamun & Hossain, Abu. (2022). Factors affecting crypto currency adoption in digital business transactions: The mediating role of customer satisfaction. Technology in Society. 70. 102059. 10.1016/j.techsoc.2022.102059.
5. Claire.(2019). Crypto currencies: The Future of Finance? 10.1007/978-981-13- 6462-4_16
6. www.researchgate.com
7. www.google.com
8. www.investopedia.com
9. www.youtube.com/watch&www.spotify.com/podcasts.
 

References 
1) Rashmi Gujrati (2022) Business, Management and Economics Engineering ISSN: 2669-2481 / eISSN: 2669-249X 2022 Volume 20 Issue 2: 511-523
2) Thakor, A. (2020). Fin tech and banking: what do we know? Journal of Financial Intermediation, 41, pp. 1-13.
3) Vijai, C. and Joyce, D and M., Elayaraja. (2020),“Fin Tech in India”, International Journal of Future Generation Communication and Networking, 13(2), PP 4143- 4150.
4) Das SR (2019). The future of fin tech. Financial Management.; 48:981–1007. David.delu Fuent (2019). Block chain in fin tech. A mapping study
1) Das, S. R., Kim, S., & Ostrov, D. (2019). Dynamic systemic risk: Networks in data science. Journal of Financial Data Science, 1,141–158.
2) Guild, J. (2017). Fin tech and the Future of Finance. Asian Journal of Public Affairs 10(1).

Reference 
1. May Love Haguingan Thailand (2023).The Emotional Behaviors of Crypto currency Traders and Investors The Emotional Behaviors of Crypto currency. 10.13140/RG.2.2.20366.33607.
2. Adaobi, Chukwuma & A., Atianashie. (2023). Understanding Crypto currency and Blockchain Technology.
3. Taherdoost, Hamed. (2022). Block chain Technology and Artificial Intelligence Together: A Critical Review on Applications. Applied Sciences. 12. 12948. 10.3390/app122412948
4. Chen, Xia & Miraz, Mahadi & Gazi, Md. Abu & Rahaman, Md Atikur & Habib, Md. Mamun & Hossain, Abu. (2022). Factors affecting crypto currency adoption in digital business transactions: The mediating role of customer satisfaction. Technology in Society. 70. 102059. 10.1016/j.techsoc.2022.102059.
5. Claire.(2019). Crypto currencies: The Future of Finance? 10.1007/978-981-13- 6462-4_16

1. https://www.techopedia.com/definition/23915/digital-identity
2. Sharma, Shweta Agrawal Sub hash is Banerjee Subodh (2017) “Privacy and security of Aadhaar: a computer science perspective.” Economic and Political Weekly.
3. Aria Thaker, Aadhaar’s Most Common Use Is Also One of Its Most Dangerous
Problems, Quartz India
4. Totapally, S., P. Sonderegger, P. Rao,J. Gosselt and G. Gupta. 2019. State of Aadhaar: A People’s Perspective. https://stateofAadhar.in/assets/download/SoA_2019_Report_ web.pdf? UTM source=download_report&utm_medium=button_dr_2019 (accessed 10 June 2022)
5. This is a widespread concern acknowledged by Kenya’s High Court (Nubian Rights Forum & 2 Others v Attorney General & 6 Others 2020), research reports in Saudi Arabia (SMEX 2021), and the CAG report on Aadhaar in India to name a few (CAG 2022).

References

• Shualbi, K. M. (2016). A Structual Equation Model of CSR and performance : Mediation by Innovation and Productivity. Journal of Management and Sustainbility, 139- 153. 
• Arnesh Telukdarie, e. (2023). The Impact of Digital Financial Technology on Accelerating Financial Inclusion in Developing Economies. Procedia Computer Science, 217, 670678.
• Carroll, A. B. (1991). The Pyramid of Corporate Social Responsibility Toward the moral management of organizational stakeholders. elsevier , 39 - 48. 
• Dr.Inderjith Singh, Y. P. (2020). GREEN BANKING AND CORPORATE SOCIAL RESPONSIBILITY: A STEP TOWARDS SUSTAINABLE DEVELOPMENT.
• International Journal of Education, Modern Management, Applied Science & Social Science, 2(1), 57-61.  E, P. M., & Karmer, M. R. (2007). Strategy & society : The link between competitive advantage and corporate social responsibility. Harvard Business Review, 84(12): 78-92, 163. 
• G.Nandhini Prabhu, e. (2021). A Review-Based Research Agenda on Green Banking Service Practices through Green CSR Activities. International Journal of Management, Technology, and Social Sciences, 6(2). 
• Jr, W. B., & Chandler, D. (2005). Strategic Corporate Social Responsibility as global brand insurance. Business Horizons, 48, 317-324. 
• kuldeep singh, E. A. (2020). Corporate Social responsibilty. WILEY, 123-143. Kuleep Singh, e. (2021). Managerial and Decision Economics. 42(5), 1263-1274.  doi:http://dx.doi.org/10.1002/mde.3306 
• Maria Mocan, S. R. (2015). Impact of corporate Social Responsibility Practices on the Banking Industry on Romania. Procedia Economics and Finance, 712-716. 
• Mauricio Andres Latapi Agudelo; et.al. (2019). A literature review of the history and evolution of Corporate Social Responsibility. International Journal of Corporate Social Responsibility, 4(1). 
• MD. Khurshid Alam, e. (2022). How Does Corporate Social Responsibility Impact The Financial Inclusion? An Econometric Study on Banking Sector in Bangladesh. IOSR Journal of Economics and Finance, 13(1), 52-60.
• Moir, L. (2001). What do we mean by Corporate Social Responsibility? Corporate Governance, 1(2), 16-22. 
  Mukherjee, A. (n.d.). CSR Holiday for Banks in India : Dilemma between CSR and Financial Inclusion.
• Interdisciplinary Journal of Management and Behavioural Sciences, 1(4).  Singh, R., Malik, G., & Jain, V. (2021). FinTech Effect: MEasuring impact of Fin Tech Adoption on banks' profitability. International Journal of Management Practice, 14(4), 411-427. 
• Toussaint Bugandwa Ciza, e. (2021). Linking corporate social responsibility to trust in the banking sector: exploring disaggregated relations. International Journal of Bank Marketing, 39(4), 592-617. doi:https://doi.org/10.1108/IJBM-04-2020-0209 
• Rangel-Pérez, C., Fernández, M., & López, B. (2023). Study on the strategic influence of corporate social responsibility in the world's most digitised banks. Journal of Open Innovation: Technology, Market, and Complexity, 9(1), 100029. 
• Zhou, G., Sun, Y., Luo, S., & Liao, J. (2021). Corporate social responsibility and bank financial performance in China: The moderatinsg role of green credit. Energy Economics, 97, 105190. https://pib.gov.in/ 

References 
1. https://www.techopedia.com/definition/23915/digital-identity
2. Sharma, Shweta Agrawal Sub hash is Banerjee Subodh (2017) “Privacy and security of Aadhaar: a computer science perspective.” Economic and Political Weekly.
3. Aria Thaker, Aadhaar’s Most Common Use Is Also One of Its Most Dangerous
Problems, Quartz India
4. Totapally, S., P. Sonderegger, P. Rao,J. Gosselt and G. Gupta. 2019. State of Aadhaar: A People’s Perspective. https://stateofAadhar.in/assets/download/SoA_2019_Report_web.pdf?UTM source=download_report&utm_medium=button_dr_2019 (accessed 10 June 2022)
5. This is a widespread concern acknowledged by Kenya’s High Court (Nubian Rights Forum & 2 Others v Attorney General & 6 Others 2020), research reports in Saudi Arabia (SMEX 2021), and the CAG report on Aadhaar in India to name a few (CAG 2022).

1. Ahmi .A et.al. (2015),” Adoption of e-Payment Systems: A Review of Literature”, International commerce of e-commerce, ICoEC 2115, pp.112-120
2. Akhila Pai H. (2018)“Study on Consumer Perception towards Digital Wallets”, IJRAR- International Journal of Research and Analytical Reviews, e ISSN 2348 –1269, Print ISSN 2349-5138, 5(3), pp.385-391
3. Baghla . A (2018).” A study on the future of digital payments in India”, International journal of research and analytical reviews (IJRAR), e ISSN 2348 – 1269, Print ISSN 2349-5138 http://ijrar.com/ Cosmos Impact Factor 4.236, 5(4), pp.85-89
4. Bezhovski, Z. (2016). “The Future of the Mobile Payment as Electronic Payment System”, European Journal of Business and Management, 8(8),pp.127-132
5. Islam Md. Monirul & Jang Hui Han (2012), “Perceived Quality and Attitude Toward Tea & Coffee by Consumers”, International Journal of Business Research and Management (IJBRM), 3(3), pp.100-112
6. K. Ratheesh Kumar (2017), “A Study on Consumer Satisfaction towards Organic Food Products with Special Reference to Coimbatore City”, International Journal of Interdisciplinary Research in Arts and Humanities (IJIRAH) Impact Factor: 4.675, ISSN (Online): 2456 - 3145 (www.dvpublication.com), 2(2), pp.125-128
7. Kavitha. M and Kumar. K.S(2018),” A Study on Digital Payments System with Perspective of Customer’s Adoption”, Eurasian Journal of Analytical Chemistry
8. Kevin Foster, Scott Schuh, and Hanbing Zhang (2010),” The 2010 Survey of Consumer Payment Choice”, Federal Reserve Bank of Boston Research Paper Series Research Data Reports No.13-2
9. Kumar, S., Garg, R..& Makkar, A. (2012) “Consumer Awareness and Perception towards Green Products: A Study of Youngsters in India”, International Journal of Marketing & Business Communication, 1(4), pp. 35-43
10. Rushikesh Kale & atle (2023), “A Critical Analysis of Consumer Perception for E- Payment System” The Online Journal of Distance Education and e-Learning, 11(1), pp.384-390
11. Manjul Vaidya & etal (2020), in their article “Digital Payment as A Key Enabler of E-Government Services: A Case Study of Chandigarh City (India)”,
MayasInternational Journal of Control and Automation, ISSN: 2005-4297 IJCA 95, 13(1s), pp.101-114
12. Arpita Pandey & Mr. Arjun Singh Rathore (2018),” Impact and importance of digital payment in India”, International journal of creative research thoughts – (IJCRT), ISSN: 2320-2882, pp.176-178
13. Pattan .P and Agarwal.M (2018),” A study of consumer’s perception towards frequently use of types of e-payment system in indore division”, IJRAR- International Journal of Research and Analytical Reviews, 5(2)
14. Singh., S. (2017). “Study on consumer perception of Digital Payment mode”, Journal of Internet Banking and Commerce, 22(3)
15. Wilson Kong&ieta (2014) “The Influence Of Consumers’ Perception Of Green Products On Green Purchase Intention”, International Journal of Asian Social Science, 4(8), pp.924-939
16. ZarrinKafsh, S. (2015).”Developing Consumer Adoption Model on Mobile Wallet in Canada” (Doctoral dissertation, Université d'Ottawa/University of Ottawa).
17. https://payu.in/blog/introduction-to-online-payments-payu/
18. https://www.pinelabs.com/blog/online-payments-and-its-types-preferred-and meaning#:~:text=Online%20payment%20allows%20you%20to,net%20banki ng%2C%20and%20digital%20wallets.
19. https://fintechforhealth.sg/digital-wallets-the-genesis-current-usage-and- future-use-healthcare-payments-in-india/#
Mayas

References 
1. Ahmi .A et.al. (2015),” Adoption of e-Payment Systems: A Review of Literature”, International commerce of e-commerce, ICoEC 2115, pp.112-120
2. Akhila Pai H. (2018)“Study on Consumer Perception towards Digital Wallets”, IJRAR- International Journal of Research and Analytical Reviews, e ISSN 2348 –1269, Print ISSN 2349-5138, 5(3), pp.385-391
3. Baghla . A (2018).” A study on the future of digital payments in India”, International journal of research and analytical reviews (IJRAR), e ISSN 2348 – 1269, Print ISSN 2349-5138 http://ijrar.com/ Cosmos Impact Factor 4.236, 5(4), pp.85-89
4. Bezhovski, Z. (2016). “The Future of the Mobile Payment as Electronic Payment System”, European Journal of Business and Management, 8(8),pp.127-132
5. Islam Md. Monirul & Jang Hui Han (2012), “Perceived Quality and Attitude Toward Tea & Coffee by Consumers”, International Journal of Business Research and Management (IJBRM), 3(3), pp.100-112
6. K. Ratheesh Kumar (2017), “A Study on Consumer Satisfaction towards Organic Food Products with Special Reference to Coimbatore City”, International Journal of Interdisciplinary Research in Arts and Humanities (IJIRAH) Impact Factor: 4.675, ISSN (Online): 2456 - 3145 (www.dvpublication.com), 2(2), pp.125-128
7. Kavitha. M and Kumar. K.S(2018),” A Study on Digital Payments System with Perspective of Customer’s Adoption”, Eurasian Journal of Analytical Chemistry
8. Kevin Foster, Scott Schuh, and Hanbing Zhang (2010),” The 2010 Survey of Consumer Payment Choice”, Federal Reserve Bank of Boston Research Paper Series Research Data Reports No.13-2
9. Kumar, S., Garg, R..& Makkar, A. (2012) “Consumer Awareness and Perception towards Green Products: A Study of Youngsters in India”, International Journal of Marketing & Business Communication, 1(4), pp. 35-43
10. Rushikesh Kale & atle (2023), “A Critical Analysis of Consumer Perception for E- Payment System” The Online Journal of Distance Education and e-Learning, 11(1), pp.384-390
11. Manjul Vaidya & etal (2020), in their article “Digital Payment as A Key Enabler of E-Government Services: A Case Study of Chandigarh City (India)”, International Journal of Control and Automation, ISSN: 2005-4297 IJCA 95, 13(1s), pp.101-114
12. Arpita Pandey & Mr. Arjun Singh Rathore (2018),” Impact and importance of digital payment in India”, International journal of creative research thoughts – (IJCRT), ISSN: 2320-2882, pp.176-178
13. Pattan .P and Agarwal.M (2018),” A study of consumer’s perception towards frequently use of types of e-payment system in indore division”, IJRAR- International Journal of Research and Analytical Reviews, 5(2)
14. Singh., S. (2017). “Study on consumer perception of Digital Payment mode”, Journal of Internet Banking and Commerce, 22(3)
15. Wilson Kong&ieta (2014) “The Influence Of Consumers’ Perception Of Green Products On Green Purchase Intention”, International Journal of Asian Social Science, 4(8), pp.924-939
16. ZarrinKafsh, S. (2015).”Developing Consumer Adoption Model on Mobile Wallet in Canada” (Doctoral dissertation, Université d'Ottawa/University of Ottawa).
17. https://payu.in/blog/introduction-to-online-payments-payu/
18. https://www.pinelabs.com/blog/online-payments-and-its-types-preferred-and meaning#:~:text=Online%20payment%20allows%20you%20to,net%20banki ng%2C%20and%20digital%20wallets.
19. https://fintechforhealth.sg/digital-wallets-the-genesis-current-usage-and- future-use-healthcare-payments-in-india/#

1) Acar, O., & Çitak, Y. E. (2019).Fin tech Integration Process Suggestion for Banks. Procedia Computer Science, 158, 971–978. https://doi.org/10.1016/j.procs.2019.09.138
2) Bo Li &ZeshuiXu Insights into financial technology (Fin Tech): a bibliometric and visual study Published: 06 October 2021 Financial Innovation volume 7, Article number:
3) 69(2021).Daniel Broby. Financial technology and the future of banking Published: 18 June 2021 SPRINGER Financial Innovation volume 7, article number: 47 (2021) .
4) Julia Kagan. Financial Technology (Fin tech): Its Uses and Impact on Our Lives
5) Updated June 30, 2022 https://www.investopedia.com/terms/f/fintech.asp
6) Jünger, M., & Mietzner, M. (2019).Banking goes digital: The adoption of Fin Tech services by German households. Finance Research Letters, March, 1–8. https://doi.org/10.1016/j.frl.2019.08.008
7) Jagtiani, J., & Lemieux, C. (2018). Do fin tech lenders penetrate areas that are underserved by traditional banks? Journal of Economics and Business, 100, 43– 54. https://doi.org/10.1016/j.jeconbus.2018.03.001
8) Maria R. Lee, Shih Chien University David C. Yen, SUNY at Oneonta George
F. Hurlburt, STEM Corp Financial Technologies and Applications Mar./Apr. 2018, pp. 27-33, vol. 20
9) Nakashima, T. (2018).Creating credit by making use of mobility with Fin Tech and IoT.
10) IATSS Research, 42(2), 61–66. https://doi.org/10.1016/j.iatssr.2018.06.001 Palmié, M., Wincent, J., Parida, V., &Caglar, U. (2020). The evolution of the financial tec Sera Alexa “The Role of Big Data in Fin tech”
foonkie monkey.co.uk/the-role-of-big-data-in- fin tech/ September 14, 2021
11) Shim, Y., & Shin, D. H. (2016).Analyzing Chinas Fin tech Industry from the Perspective of Actor Network Theory. Telecommunications Policy, 40(2–3), 168– 181.https://doi.org/10.1016/j.telpol.2015.11.005
12) The Role of Financial Technology (FINTECH) in Changing Financial Industry and Increasing Efficiency in the Economy, Special Report By: Ibrahim A. Zeidy Director, COMESA Monetary Institute.
13) The Future Of Financial Services , report, World Economic Forum , 2015 ; www3.weforum.org/docs/WEF_The_future of_financial_services. pdf. The Future of Fin tech A Paradigm Shift In Small Business Finance, report, World Economic Forum, 2015 ww3.weforum.org/docs/IP/2015/FS/GAC15_The_Future_of_FinTech_Paradi gm_Shift_Small_Business_Finance_report_2015. pdf.
What is a Fin tech application? A complete guide for business owners What is Financial Technology (Fin Tech)? A Beginner’s Guide for 2022 World Fin tech Report 2017 , report, Capgemini , 2017 ; www.capgemini.com/service/introducing-the-world-fintech-report-2017.

References

• Srinivasan, K., & Rajarajeswari, S. (2021). Financial technology in Indian finance market. Available at SSRN 3845245. 
• Raj, B., & Upadhyay, V. (2020). Role of FinTech in Accelerating Financial Inclusion in India.
• In 3rd International Conference on Economics and Finance organised by the Nepal Rastra Bank at Kathmandu, Nepal during February (pp. 28-29).
• 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.
• Chugh, B. (2020). Financial Regulation of Consumer-Facing Fintech in India: Status Quo and Emerging
  Concerns. Available at SSRN 3520473. 
• Guild, J. (2017). Fintech and the Future of Finance. Asian Journal of Public Affairs, 17-20. 

References 
1) Acar, O., & Çitak, Y. E. (2019).Fin tech Integration Process Suggestion for Banks. Procedia Computer Science, 158, 971–978. https://doi.org/10.1016/j.procs.2019.09.138
2) Bo Li &ZeshuiXu Insights into financial technology (Fin Tech): a bibliometric and visual study Published: 06 October 2021 Financial Innovation volume 7, Article number:
3) 69(2021).Daniel Broby. Financial technology and the future of banking Published: 18 June 2021 SPRINGER Financial Innovation volume 7, article number: 47 (2021) .
4) Julia Kagan. Financial Technology (Fin tech): Its Uses and Impact on Our Lives
5) Updated June 30, 2022 https://www.investopedia.com/terms/f/fintech.asp
6) Jünger, M., & Mietzner, M. (2019).Banking goes digital: The adoption of Fin Tech services by German households. Finance Research Letters, March, 1–8. https://doi.org/10.1016/j.frl.2019.08.008
7) Jagtiani, J., & Lemieux, C. (2018). Do fin tech lenders penetrate areas that are underserved by traditional banks? Journal of Economics and Business, 100, 43– 54. https://doi.org/10.1016/j.jeconbus.2018.03.001
8) Maria R. Lee, Shih Chien University David C. Yen, SUNY at Oneonta George
F. Hurlburt, STEM Corp Financial Technologies and Applications Mar./Apr. 2018, pp. 27-33, vol. 20
9) Nakashima, T. (2018).Creating credit by making use of mobility with Fin Tech and IoT.
10) IATSS Research, 42(2), 61–66. https://doi.org/10.1016/j.iatssr.2018.06.001 Palmié, M., Wincent, J., Parida, V., &Caglar, U. (2020). The evolution of the financial tec Sera Alexa “The Role of Big Data in Fin tech”
foonkie monkey.co.uk/the-role-of-big-data-in- fin tech/ September 14, 2021
11) Shim, Y., & Shin, D. H. (2016).Analyzing Chinas Fin tech Industry from the Perspective of Actor Network Theory. Telecommunications Policy, 40(2–3), 168– 181.https://doi.org/10.1016/j.telpol.2015.11.005
12) The Role of Financial Technology (FINTECH) in Changing Financial Industry and Increasing Efficiency in the Economy, Special Report By: Ibrahim A. Zeidy Director, COMESA Monetary Institute.
13) The Future Of Financial Services , report, World Economic Forum , 2015 ; www3.weforum.org/docs/WEF_The_future of_financial_services. pdf. The Future of Fin tech A Paradigm Shift In Small Business Finance, report, World Economic Forum, 2015 ww3.weforum.org/docs/IP/2015/FS/GAC15_The_Future_of_FinTech_Paradi gm_Shift_Small_Business_Finance_report_2015. pdf.
What is a Fin tech application? A complete guide for business owners What is Financial Technology (Fin Tech)? A Beginner’s Guide for 2022 World Fin tech Report 2017 , report, Capgemini , 2017 ; www.capgemini.com/service/introducing-the-world-fintech-report-2017.

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.

The uses of numerous payment methods, technology advancements, and security measures have all been covered in this article. Account-based payment systems make up the majority of payment methods, and security, privacy, confidentiality, and authentication are their top priorities. The essential idea is that, while bearing in mind each transaction should be conducted using authentication and encryption because MPS's security features are crucial to its survival.

References

1. AL-Maksousy, H. H. L. (2018). Applying Machine Learning to Advance Cyber Security:  Network Based Intrusion Detection Systems. Doctor of Philosophy (PhD), dissertation,  Computer Science, Old Dominion University, DOI: 10.25777/8w8wsa92. 
2. Alali, M., Almogren, A., Hassan, M. M., Rassan, I. A. L., & Bhuiyan, M. Z. A. (2018). Improving risk assessment model of cyber security using fuzzy logic inference system. Computers and Security, 74, 323–339. https://doi.org/10.1016/j.cose.2017.09.011 
3. Al_Duhaidahawi et al., (2020) Analysing the effects of FinTech variables on cybersecurity:  Evidence form Iraqi Banks, International Journal of Research in Business & Social Science 9(6)(2020) 123-133 
4.  Ayofe, A. N., & Irwin, B. (2010). Cyber Security: Challenges And The Way Forward. Georgian Electronic  Scientific journal, Computer Science & Telecommunications, 29(6). Https://Www.Researchgate.Net /Publication/265121167_Cyber_Securıty_Challenges_And_The_Way_Forward.
5. Borghard, E. D., & Lonergan, S. W. (2017). The Logic of Coercion in Cyberspace. Security  Studies, 26(3), 452–481. https://doi.org/10.1080/09636412.2017.1306396
6. Christine Dreibelbis, R. (2016). It’ s More Than Just Changing Your Password: Exploring the  Nature and Antecedents of Cyber Security Behaviors, University of South Florida
.http://scholarcommons.usf.edu/etdhttp: //scholarcommons.usf.edu/etd/6083 
7. Davis, J. J. (2017). Machine Learning and Feature Engineering for Computer Network Security. Thesis. https://eprints.qut.edu.au/106914/1/Jonathan_Davis_Thesis.pdf 
8. Dawson, M. (2017). Hyper-connectivity : Intricacies of national and international cyber securities Hyper-connectivity : Intricacies of national and international cyber securities .  London Metropolitan University Maurice Dawson Submitted in partial fulfillment of the award of Doctor of Philosophy by Prior. January. https://www.researchgate.net/publication /314230510_Hyper connectivity_Intricacies_of_national_and_international_cyber_securities Al_Duhaidahawi et
al., International Journal of Research in Business & Social Science 9(6)(2020) 123-133 132 
9. Firmansyah, E. A., & Anwar, M. (2019). Islamic Financial Technology (Fintech): Its Challenges and Prospect. Atlantis Press is a professional publisher of scientific. 216(Assdg 2018), 52–58. https://doi.org/10.2991/assdg-18.2019.5 
10. Faaeq, M. K., Thabit, T. H., & Harjan, S. A. (2015). Technology Innovation Usage in Public Services Among Employees in Republic of Iraq. In 7th International Conference on Information Technology, Al-Zaytoonah University of Jordan, Amman, Jordan.. 
11. Harjan, Sinan Abdullah, Teng, M., Shah, S. S. H., & Mohammed, J. H. (2019). Political Connections and Cost of Debt Financing: Empirical Evidence from China. International Journal of Economics and Financial Issues, 9(1), 212. DOI: https://doi.org/10.32479/ijefi.7561. 
12. Hayder M. Kareem, A.-D., Zhang, J., Abdulreza, M. S., Harjan, S. A., & Shah, S. S. H. (2019). the Role of Financial Inclusion and Competitive Advantage: Evidence From Iraqi Islamic Banks. International Journal of Economics and Financial Issues, 9(3), 193–199. https://doi.org/10.32479/ijefi.8080 
13. Henriques de Gusmão, A. P., Mendonça Silva, M., Poleto, T., Camara e Si lva, L., & Cabral Seixas Costa, A. P. (2018). Cybersecurity risk analysis model using fault tree analysis and fuzzy decision theory. International Journal of Information Management, 43(January), 248–260. https://doi.org/10.1016/j.ijinfomgt.2018.08.008 

14. Kang, M. J., & Kang, J. W. (2016). Intrusion detection system using deep neural network for in-vehicle network security. PLoS ONE, 11(6), 1–17. . https://doi.org/10.1371/journal.pone.0155781 
15. Kareem, H. M., Duhaidahawi, A., Zhang, J., Abdulreza, M. S., & Sebai, M. (2020). An efficient model for financial risks assessment based on artificial neural networks; Evidence from Iraqi Banks (2004-2017), Journal of Southwest Jiaotong University. https://doi.org/10.35741/issn.0258-2724.55.3.8. 55(3). 
16. Kim, Y., Park, Y.-J., Choi, J., & Yeon, J. (2015). An Empirical Study on the Adoption of “Fintech” Service: Focused on Mobile Payment Services. December, Advanced Science and Technology Letters, 114(26), 2015, 136–140,
https://doi.org/10.14257/astl.2015.114.26 
17. Leong, K. (2018). FinTech (Financial Technology): What is It and How to Use Technologies to Create Business Value in Fintech Way? International Journal of Innovation, Management and Technology, 9(2), 74–78.
https://doi.org/10.18178/ijimt.2018.9.2.791 
18. Li, H., No, W. G., & Wang, T. (2018). SEC’s cybersecurity disclosure guidance and disclosed cybersecurity risk factors. International Journal of Accounting Information Systems, 30(June), 40–55. https://doi.org/10.1016/j.accinf.2018.06.003 
19. Lin, T. C. W. (2015). Infinite Financial Intermediation. Wake Forest Law Review, 50(643),  Temple University Legal Studies Research Paper No. https://ssrn.com/abstract=2711379 
20. Magnuson, W. (2018). Regulating fintech. Vanderbilt Law Review, Available at: https://scholarship.law.vanderbilt.edu/vlr/vol71/iss4/271 (4), 1167–1226. 
21. Micu, A. (2016). Financial Technology (FinTech) and its Implementation on the Romanian Non-Banking Capital Market. SEA – Practical Application of Science, IV(11), 379–384. 
22. Munk, T. H. (2015). Cyber-Security in the European Region: Anticipatory Governance and Practices. PQDT- The University of Manchester (United Kingdom) & Ireland, 287. https://search.proquest.com/docview/1784057545?accountid=9645 
23. Nikkel, B. (2020). Fintech forensics: Criminal investigation and digital evidence in financial technologies. Forensic Science International: Digital Investigation, xxxx, 200908. https://doi.org/10.1016/j.fsidi.2020.200908 
24. Noor, U., Anwar, Z., Amjad, T., & Choo, K. K. R. (2019). A machine learning-based FinTech cyber threat attribution framework using high-level indicators of compromise. Future Generation Computer Systems, 96, 227–242. https://doi.org/10.1016/j.future.2019.02.013 
25. Peters, G. W., Panayi, E., & Chapelle, A. (2015). Trends in Crypto-Currencies and Blockchain Technologies: A Monetary Theory and Regulation Perspective. SSRN Electronic Journal, 3(3). https://doi.org/10.2139/ssrn.2646618 
26. Philippon, T. (2016). The Fintech Opportunity. National Bureau Of Economic Research, 8(3), 6–10. http://www.nber.org/papers/w22476 
27. Rieck, K., Trinius, P., Willems, C., & Holz, T. (2011). Automatic analysis of malware behavior using machine learning. Journal of Computer Security, 19(4), 639–668. https://doi.org/10.3233/JCS-2010-0410 
28. Sadłakowski, D., & Sobieraj, A. (2017). The development of the FinTech industry in the Visegrad group countries. World Scientific News, 85, 20-28.https://doi. WSN% 2085%20 (2017) % 2020-28.pdf 
29. Schatz, D., Wall, J., Schatz, D., & Wall, J. (2017). Security and Law Towards a More Representative Definition of Cyber Security Towards A More Representative Definition  Of Cyber Security. Journal of Digital Forensics 12(2). https://doi. 10.1080 09636412.2017 .1306396 
30. Schueffel, P. mname. (2018). Taming the Beast: A Scientific Definition of Fintech. SSRN Electronic Journal, April. https://doi.org/10.2139/ssrn.3097312 
31. Shah, S. S. H., Xinping, X., Khan, M. A., & Harjan, S. A. (2018). Investor and manager overconfidence bias and firm value: Micro-level evidence from the Pakistan equity market. International Journal of Economics and Financial Issues, 8(5), 190. 
32. Stevens, T. (2018). Global cybersecurity: New directions in theory and methods. Politics and Governance, 6(2), 1–4. https://doi.org/10.17645/pag.v6i2.1569 
33. Von Solms, R., & Van Niekerk, J. (2013). From information security to cyber security. Computers and Security, 38, 97–102. https://doi.org/10.1016/j.cose.2013.04.004 
34. Wang, B., Zheng, Y., Lou, W., & Hou, Y. T. (2015). DDoS attack protection in the era of cloud computing and Software-Defined Networking. Computer Networks, 81, 308–319. https://doi.org/10.1016/j.comnet.2015.02.026 
35. Whitley, E. A. (2009). Informational privacy, consent and the “control” of personal data. Information  Security  Technical  Report,  14(3),  154–159.  https://doi.org/  10.1016/j.istr .2009.10.001
36. Wulan, V. R. (2017). Financial technology (fintech) a new transaction in future. Journal  Electrical Engineering and Computer Sciences, 2(1), 177–182. Corpus ID: 170052661 

1. Asadi A., Wang Q., Mancuso V. A survey on device-to-device communication in cellular networks. IEEE Communication. Sur v. Tutorials. 2014; 16:1801–1819. doi: 10.1109/COMST.2014.2319555. [Cross Ref] [Google Scholar]
2. Baghla . A (2018).” A study on the future of digital payments in India”, International journal of research and analytical reviews (ijrar), volume 5 issue 4 Oct – Dec 2018
3. Hedera Hashgraph. [(Accessed on 27 February 2022)]. Available online: https://www.hedera.com/platform
4. Khalid A., If tikhar M.S., Almogren A., Khalid R., Afzal M.K., Javaid N. A blockchain based incentive provisioning scheme for traffic event validation and information storage in VANETs. Inf. Process. Manage. 2021; 58:102464. doi: 10.1016/j.ipm.2020.102464. [Cross Ref] [Google Scholar]
5. Moura T., Gomes A. Block chain voting and its effects on election transparency and voter confidence; Proceedings of the 18th Annual International Conference on Digital Government Research; Staten Island, NY, USA. 7–9 June 2017; pp. 574–575. [Cross Ref] [Google Scholar]
6. Sivathanu, B. (2019), "Adoption of digital payment systems in the era of demonetization in India: Anempirical study", Journal of Science and Technology Policy Management, Vol. 10 No. 1, pp. 143-171
7. Singh, S. (2017). “Study on consumer perception of Digital Payment mode”
,Journal of Internet Banking and Commerce”, 22(3), December.
8. Baghla. A (2018).” A study on the future of digital payments in India”, International journal of research

In conclusion, Industry 5.0 and AI have the power to transform businesses and society by enabling previously unheard-of levels of creativity, personalization, and efficiency. Higher productivity, better decision-making, and optimized processes as a result of the integration of AI into many industries might result in higher competitiveness and economic growth. The extensive use of AI, however, also raises moral and cultural issues. The importance of ensuring data privacy, correcting algorithmic bias, and minimizing possible job displacement must all be carefully taken into account. To fully use the benefits of AI while ensuring the welfare of people and society, stakeholders must work together to build responsible AI initiatives, promote transparency, and preserve ethical norms. In the future, a fair and inclusive approach to AI and Industry 5.0 is critical, where technical breakthroughs are in line with moral principles, environmental sustainability, and the greater good. By doing this, we can maximize AI’s beneficial effects on various sectors of society as well as local and global populations.

References 
1. Asadi A., Wang Q., Mancuso V. A survey on device-to-device communication in cellular networks. IEEE Communication. Sur v. Tutorials. 2014; 16:1801–1819. doi: 10.1109/COMST.2014.2319555. [Cross Ref] [Google Scholar]
2. Baghla . A (2018).” A study on the future of digital payments in India”, International journal of research and analytical reviews (ijrar), volume 5 issue 4 Oct – Dec 2018
3. Hedera Hashgraph. [(Accessed on 27 February 2022)]. Available online: https://www.hedera.com/platform
4. Khalid A., If tikhar M.S., Almogren A., Khalid R., Afzal M.K., Javaid N. A blockchain based incentive provisioning scheme for traffic event validation and information storage in VANETs. Inf. Process. Manage. 2021; 58:102464. doi: 10.1016/j.ipm.2020.102464. [Cross Ref] [Google Scholar]
5. Moura T., Gomes A. Block chain voting and its effects on election transparency and voter confidence; Proceedings of the 18th Annual International Conference on Digital Government Research; Staten Island, NY, USA. 7–9 June 2017; pp. 574–575. [Cross Ref] [Google Scholar]
6. Sivathanu, B. (2019), "Adoption of digital payment systems in the era of demonetization in India: Anempirical study", Journal of Science and Technology Policy Management, Vol. 10 No. 1, pp. 143-171
7. Singh, S. (2017). “Study on consumer perception of Digital Payment mode”
,Journal of Internet Banking and Commerce”, 22(3), December.
8. Baghla. A (2018).” A study on the future of digital payments in India”, International journal of research
Mayas

Reference

1. Alt, R., Beck, R. & Smits, M.T. FinTech and the transformation of the financial industry. Electron Markets 28, 235–243 (2018). https://doi.org/10.1007/s12525-018-0310-9 

2. Arner, D. W., Barberis, J., & Buckley, R. P. (2016). The evolution of FinTech: A new post- crisis paradigm? Georgetown Journal of International Law, 47(4), 1271–1319

3. Chaikovskyi, y., & kovalchuk, y. (2020). Modern fintech directions in the banking sector. World of finance, 2(63), 36–48. https://doi.org/10.35774/sf2020.02.036

4. Dash, S. (2020, September 3). India’s fintech startups beat global slowdown – funds raised doubled in the first half of 2020. Business Insider.

5.  Daniela Gabor & Sally Brooks (2017) The digital revolution in financial inclusion: international development in the fintech era, New Political Economy, 22:4, 423- 436, DOI: 10.1080/13563467.2017.1259298.

6. Dhar, V., & Stein, R. M. (2017). FinTech platforms and strategy - integrating trust and automation in finance. Communications of the ACM, 60(10), 32–35.

7. Eduardo Z. Milian, Mauro de M. Spinola, Marly M. de Carvalho (2019) Fintechs: A literature review and research agenda, Electronic Commerce Research and Applications, Volume 34, 2019, 100833, ISSN 1567-4223, https://doi.org/10.1016/j.elerap.2019.100833. 

8. Gomber, P., Koch, J.-A., & Siering, M. (2017). Digital finance and FinTech: Current research and future research directions. Journal of Business Economics, 87(5), 537–580.
265. https://doi.org/10.1080/07421222.2018.1440766.

9. Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the FinTech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766.

10. Jourdan, Z., Corley, J. K., Valentine, R., & Tran, A. M. (2023). Fintech: A content analysis of the finance and information systems literature. Electronic Markets, 33(1). 

11. Lee, I., & Shin, Y. J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, 61(1), 35–46. https://doi.org/10.1016/j.bushor.2017.09.003.
 

12. Rajeswari, P., & Vijai, C. (2020). Fintech Industry In India: The Revolutionized Finance Sector, European Journal of Molecular & Clinical Medicin, Volume 8, Issue 11, 2021.
https://doi.org/10.1186/s40854-016-0036-7
 

References
1. 1.Bunjaku F., Gjorgieva, O., Miteva, E.(2017). Crypto currencies – Advantages and Disadvantages. Journal of Economics, 2(1), 31-39.
2. 2.Ozili, Peterson K, (2022). CBDC, Fin tech and Crypto currency for Financial Inclusion and financial stability. Digital Policy, Regulation and Governance Journal, 25(1),1-41.
3. 3.Ramachandran T., Stella, M.(2022). Behavioural intension towards crypto currency adoption among students. Journal of Positive School Psychology, 6(6), 5046-5053.
4. 4.Sudzina F., Pavlicek, A. (2019). Impact of Personality Traits(BF1-2-Xs) on use of crypto currencies. Proceedings of the International conference Hradec Economic Days 2019, 362-369.
5. 5.Umar, Z., Trabelsi, N., Algahtani, F.(2021).Connectedness between crypto currency and technology sectors: International evidence. International Review of Economics and Finance, 71, 910-922

Reference 
1. Hao, Z. (2020). Robust multimodal biometric systems. 58-67.
2. Manjiri A. Lavadkar, P. K. (June 2022). Fingerprint Biometric Based Online Cashless Payment System. IOSR Journal of Computer Engineering , 27-32.
3. Yashasvi Mutteneni, S. K. (6, March 2020). A Robust Hybrid Biometric Face Recognition. International Journal of Recent Technology and Engineering , 5586-5591.
4. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8904065/
5. https://www.sciencedirect.com/science/article/abs/pii/S156742231100041X
6. https://www.sciencedirect.com/science/article/abs/pii/S0736585318309250
7. https://shodhganga.inflibnet.ac.in/simplesearch?query=biometric

References 
 Jing, A.V. Vasilakos, J. Wan, J. Lu and D. Qui, “Security of the Internet of Things: perspectives and Challenges,” Wireless networks, vol.20, no. 8, pp. 2481-2501, 2014.
 C.-W. Tsai C.-F. Lai and Challenges,” Wireless networks, vol. 20, No.8, pp2201-2217, 2014.
 Jussi Kil, Alfredo D’elia, Francesco Morandi, Pasi, Janne Mattila, Arto Y li Oja, Juha- Pekka Soininen, Tullio Salmon Cinotti. 2014 Semantic Interoperability Architecture for Pervasive Computing and Internet of Things, 856-873.
 Pahlavan, K. Krishnamurthy P, Hatami, (2007) Handoff in Hybrid Mobile Data Networks.
 Reinhardt, (2004) A Machine-to-Machine Internet of Things.
 Dr. Mazlan Abbas, MIMOS, Wisma IEM, Petalling Jaya.
 GSMA, “IOT Device Connection Efficiency Guidelines” Version 5.0, January 2018.
 F. John Dian, A. Rahmati, “Wearables and the Internet of Things (IoT), Applications, Opportunities, Challenges: A Survey.”
 A. Yousefi, “Accuracy analysis of Time Synchronization using current consumption pattern of IOT Devises” in IEEE CCWC, pp. 841-884, Las Vegas, Jan.2018.
 E. Borgia, The Internet of Things vision: key features, applications and open issues (2014).
 Hendricks (10th august 2015). The Trouble with the IOT. London Datastore.
 Philip A.; Kassab, Mohamad; Nancy L.; Jeffrey M. (2018). Building Caring Healthcare Systems in the IoT.
 The New York City IoT Strategy. Retrieved 6 September 2021.
 Third Generation Partnership Project, Technical Report 36.8 v12, Study on Provision of IoT based Communications user Equipment on LTE, 2013.
 Sigfox, About Sigfox, Sigfox Coverage, 2016.LoRa Alliance, LoRa Alliance Wide Area Networks for IoT, 2016 with Alliance Technical Marketing Groups, 2015.
 O. Liberg, M. Sundberg, E. Wang, J. Bergman, “Cellular Internet of Things: Technologies, Standards and Performance.”2017.
 Richard D. De, Paul F. Velleman and David E. Bock, Stats Data and Models, Pearson Publishing.

 R. Howells, “The Business Case for IoT,”/community/business-trends/the business- case- for-IOT.
 Andras Kalmar, Rolland Vida, Context-aware Addressing in the Internet of Things using Bloom Filters, Conference on Cognitive communications.
 Sarfraz Alam, Mohammad M. R. Chowdhury, Josef Noll,2010 An Event-driven Sensor Virtualization Approach for Internet of Things Cloud, Networked Embedded Systems for Enterprise Applications,2010.

References

          The fintech sector was significantly impacted by cryptocurrencies. They opened up fresh possibilities for decentralised financial systems, facilitated international trade, and drew significant investment. The conclusion or ultimate result of cryptocurrencies in fintech, however, can only be ascertained by following their advances after that point. I advise consulting the most recent sources for the most recent information because the technological and regulatory landscape is constantly changing

References

1.  Abhijit. (2017). A study on usage of Paytm. 

2.  Divya, D. (2018). A study on digital payments in India with perspective of consumer’s adoption.

3.  Jain, M. (2018). A study on usage of e-payments for sustainable growth of online business. 

4.  Karamjeet. (2015). E-payment system on E-commerce in India. 

5.  M.Tadse, A. (2017). A study on usage of paytm.

6. Priyanka.S.Kotecha. (2018). An empirical study of mobile wallets in India. 

7.  Rathore, D. S. (2016). Adoption of Digital Wallet by consumers. 

8. Shukla, D. (2016). The study of electronic payment systems. 

9. Yomas, j. (2018). a critical analysis on the evolution in the epayment system,security risk,threats and vulnerability . 

10. Emotional Intelligence of Entrepreneurs in Coimbatore City, Paripex - Indian Journal of Research(PIJR), PIJR | World Wide Journals. 

11. https://www.worldwidejournals.com/paripex/article/emotional-intelligence-ofentrepreneurs-in-coimbatore-city/MzQ0NjE=/?is=1&b1=45&k=12.

References 
1. M. Marcano, A. Pardo, and M. Gómez, "Impact of Financial Incentives on Electric Vehicle Adoption: Insights from Spain," Transport Policy, vol. 90, pp. 76-88, 2021.
2. L. C. Davis, "Deciphering the Determinants of Electric Vehicle Adoption: An Analysis Using Latent Class Modeling," Journal of Environmental Economics and Management, vol. 108, 102382, 2021.
3. H. Li, Y. Zhang, and L. Zhao, "Consumer Insights into Electric Vehicle Adoption: A Holistic Examination," Journal of Cleaner Production, vol. 183, pp. 232-245, 2018.
4. F. C. Silva, F. O. Almeida, and P. A. Souza Jr., "Prospects of Electric Vehicle Adoption: A Study of Potential Brazilian Consumers," Transport Policy, vol. 89, pp. 60-72, 2020.
5. International Energy Agency (IEA), "Global Electric Vehicle Outlook 2021," 2021.
6. European Environment Agency (EEA), "Monitoring CO2 Emissions from New Passenger Cars in the EU: Summary of Data for 2020," 2021.
7. United Nations Development Programme (UNDP), "Financing Sustainable Development Goals in the Age of COVID-19," 2020.
8. The World Bank, "Global Findex Database 2017: Evaluating Financial Inclusion and the Emergence of Fintech," 2018.

References

1.  https://101blockchains.com/top-iiot-case-studies/ https://www.techtarget.com/iotagenda/definition/Internet-of-Things-IOT https://www.ibm.com/topics/internet-of-things

2. https://www.cropin.com/iot-in- agriculture#:~:text=IOT%20smart%20agriculture%20products%20are,from%20anywhere%20wi thout%20any%20hassle

3. https://easternpeak.com/blog/iot-in-agriculture-technology-use-cases-for-smart-farming-and- challenges-to-consider/

References 

1. A. Afzal. (2017). Income generation of rural community by using solar distillation system.
   International conference on renewable energies and power quality, 179-183.
2. Abha Singh, P. O. (2022). Income generation for sustainable development of rural. The Pharma Innovation, 376-380.
3. Agarwal, B. (1989, october 28). Rural Women, Poverty and Natural Resources: Sustenance, Sustainability and Struggle for changes. Economic and Political Weekly, pp. 46-65.
4. Ahuja, S. (2019). Fabric Enrichment Techniques: A Source of Income Generation for rural women. international Journal of Current Microbiology and Applied Sciences, 2795-2798.
5. Akhter, J. (2020). Sustainable Empowerment Initiatives among Rural Women through Microcredit Borrowings in Bangladesh. Sustainability, 1-19.
6. Alemu, A. (2022). Determinants of women participation in income generating activities: evidence from Ethiopia. Journal of Innovation and Entrepreneurship, 1-18.
   Basu, S. (n.d.). Income Generation Program and Empowerment of Women-A case study in india. 1-36.
   Biruk-Kemaw. (2018). Assessment of Rural Women Participation on Income Generating Activities in Assosa District, Benishangul-Gumuz Region, Western. 8-13.
7. Haley, C. (2021). Income generation and empowerment pathways for rural women of Jagusi Parish, Uganda: A double-sided sword. Social Sciences and Humanities , 100-225.
8. JALULAH, E. K. (2020). THE ROLE OF INCOME GENERATING ACTIVITIES ON THE SOCIO-ECONOMIC EMPOWERMENT OF WOMEN IN KRACHI WEST DISTRICT. 1- 146.
9. Jena, P. (2021). Income generating activities of rural women: A tool for poverty alleviation and Decision making. International Journal of Social Sciences , 164-171.
10. JKadirvel, S. (2018). A study on impact of income generating activities for sustainable livelihood of scheduled caste. 191-200.
11. kathirvel, S. (2018). A Study on Impact of Income Generating Activities for Sustainable Livelihood of Scheduled Caste: With Special Reference to Tumkur City. sustainable livelihood and poverty alleviation , 1-12.
12. Khan, S. (2022). Role of Human Resource Policies in ensuring women's safety in the workplace.
    Problems and Perspectives in management, 13-23.
13. Legese, M. A. (2012). Prospects and challenges of women focused income generating activities. 1-54.
    Montanari, B. (2019). A Gendered Analysis of the Income Generating Activities under the Green Morocco plan:who profits? Human Ecology, 410-417.
14. Praveen, A. (2021). STUDY OF WOMEN EMPOWERMENT THROUGH INCOME GENERATION ACTIVITIES WITH REFERENCE TO NATIONAL CAPITAL REGION.
15. International journal of advanced research in commerce , management, & social science, 287-291.
16. Rafiqul, I. M. (2011). Rural Women’s Empowerment through Self-income Generating Activities: A Study on NGOs Credit Programs in Bangladesh. Journal of Global Citizenship & Equity Education.

17. Rani, T. (2022). The Role of Human Resource Policies on Work Life Balance Among Information Technology Sector of Women Proffesionals. 1-12.

18. Stokes, E. (2015). Income generating activities of rural kenyen women. sustainable development, 42- 55.
19. T, A. (2022). Role of income generating activities in empowering rural women of bangladesh.
    Journal of agriculture,food and environment, 15-21.

References

       With digital financial transactions, CBDC is projected to soon bring about a pragmatic transformation in the economy. The total monetary infrastructure will be enhanced and made more efficient with the implementation of the currency system. Along with convenience, it will advance the government's goal of moving quickly toward a digital economy. However, we must wait and see if CBDC can create an ecosystem for quicker real-time remittances around the world. The moment is right for CBDCs as a concept.

References

1.  Abdirad, M., Krishnan, K., & Gupta, D. (2021). A two-stage metaheuristic algorithm for the dynamic vehicle routing problem in industry 4.0 approach. Journal of Management Analytics, 8(1), 69-83.

2. Adel, A. (2022). A conceptual framework to improve cyber forensic Administration in Industry 5.0: Qualitative study approach. Forensic Sci , 111 - 129.

3. Alhassan, A., Zhang, X., Shen, H., & Xu, H. (2020). Power transmission line inspection robots: a review, trends, and challenges for future research. International Journal of Electric Power Energy System.Aslam, F., Aimin, W., Li, M., & Rehman, K. (2020). Innovation in the era of IOT and Industry 5.0: absolute innovation management framework. p. 124.Babamiri, B., Bahari, D., & Salimi, A. (2019). Highlyb sensitive bioaffinity electrochemiluminescence sensors: recent advances and future directions.Bednar, P., & Welch, C. (2020).

4. Socio - technical perspectives on smart working: creating meaningful and sustainable systems. Information System Front, pp. 282-298.Retrieved from https://doi.org/10.1007/s107966-019-09921-1Bhattacharya, S.,Maddikunta, R., Somayaji, S. R., Lakshmanna, K., Kaluri, R., Hussein, A., & Gadekallu, T. R. (2020). Load balancing of energy cloud using wing driven and firefly algorithms in internet of everything. Journal of parallel and distributed computing, 16-26.

5. Cheng, Y., Chen, K., Sun, H., Zhang, Y., & Tao, F. (2018). Data and Knowledge mining with big data towards smart production. Journal of Industrial Information Integration, 1 - 13.

6. Chowdhury, M. Z., Shajalal, M., Ahmed, S., & Jang, Y. M. (2020). 6G wireless communication systems: APPLICATIONS, REQUIREMENTS, TECHNOLOGIES, CHALLENGES AND RESEARCHDIRECTOIONS. IEEE Open Journal of the Commmunications Society , 957 - 975.Deepa, N., Pham, Q. V., Nguyen, D. C., Bhattacharya, S., Gadekallu, P. K., Maddikunta, R., Pathirana, N. (2009). A Survey on blockchain for big data: Approaches, opportunities and future directions.

7.  Arxiv preprint.Doyle-Kent, M., & Kopacek, P. (2019). Industry 5.0: Is the manufacturing industry on the cusp of a new revolution? International Symposium for Production Research; Springer. Berlin / Heidelberg, Germany . Fummi, F. (2021). European Commission. 

8. Industry 5.0: Towards a sustainable, Human - Centric and Resilient European Industry. Publication Office, Luxembourg. Ghobakhloo, M., Fathi, M., Iranmanesh, M., Maroufkhani, P., & Morales, M. (2021). Industry
   4.0 ten years on : biblometric and systematic review of concepts, sustainability value drivers and success determinants.

9. Hamalainen, E., & Inkinen, T. (2019). Industrial applications of big data in disruptive innovations supporting environmental reporting. Lournal of Industrial Information Integration .

10. He, D., Ma, M., Zeadally , S., Kumar, N., & Liang, K. (2017). Certificateless public key authenticated encryption with keyword search for industrial internet of things. IEEE Trans Ind Inf 14(8), pp. 3618- 3627.

11. Higginbotham, S. (2020). What 5G hype gets wrong - [Internet of everything]. IEEE Spectrum 57, 22-24.
    Industry 5.0. (2021). Europian Economic and Social Committee. Retrieved from https://ec.europa.eu/info/research-and-innovation/research-area/industrial-research-and innovation/industry-5.0.

12. Javaid, M., Haleem, A., Singh, R., Haq, M., Raina , A., & Suman, R. (2020). Industry 5.0: Potentail applications in Covid 19. Industrial Integration Management 5(04), pp. 507-530.

References
1. Almarashdeh (2018) "An overview of technology evolution: Investigating the factors influencing non-bitcoins users to adopt bitcoins as online payment transaction method." Journal of Theoretical and Applied Information Technology 96.13, p.p: 3984-3993.
2. Bridy, A. (2016). Intent payment blockades. Florida law review, 1524-1567.
3. Das, S., Rauth, A., Sarkar, S., Rahaman, S. M., Mondal, S., & Molla, T. (2023). A machine Learning Technique for detecting Online Fraud Payment. Advancement in Image Processing and Pattern Recognition, 6(3), 1-5.
4. Fernandes, L. (2013). Fraud in electronic payment transactions: Threats and countermeasures. Asia pacific journal of marketing & management review, 23-32.
5. Gethe, R. (2023). A Study on modes of digital payments system, analysis of frauds occurring through digital payment system. international research journal of modernization in engineering technology and science, p.p: 4593 - 4614.
6. Gu, Y., & Chen, R. (2023). Effects of payment notifications on consumer purchase decisions: The role of pain of payment. Journal of Consumer Behaviour.
7. Khan, B. U. (2017). A compendious Study of Online Payment System: Past development, Present development and Future considerations. International Journal of Advanced Computer Science and Applications, p.p: 256-270.
8. Kumar, R., Singh, T., Mohanty, S. N., Goel, R., Gupta, D., Alharbi, M., & Khanna, R. (2023). Study on online payments and e-commerce with SOR model. International Journal of Retail & Distribution Management.
9. Rachna. (2013). Issues and challenges of electronic payment systems. Rachna et al./ International journal of research in management and pharmacy, 25-30.
Emperor Journal of Finance
Emperor Journal of Finance 213
10. Sharma, H. P., Krishna, S. H., Tiwari, M., Tiwari, T., & Kumar, M. N. (2023, May). Analysis of Cyber Security Threats in Payment Gateway Technology. In 2023 3rd International Conference on Advance Computing and Innovative Technologies in Engineering (ICACITE) (pp. 793-799). IEEE.
11. Vaini, P. (2023). Online payment fraud: from anomaly detection to risk management. Financial innovation, p.p: 1-25.
12. Verma, A. (2022). Online digital payment-journey from awareness to satisfaction. Research gate, p.p: 4946-4950.
13. Verma, D. R. (2023). Covid-19 impact on usage of M-commerce: online payment methods. Crdeep journal, p.p: 7-12.
14. Wang, Z. (2023). The negative effect on the elderly of the rise of online payment. The international conference on interdisciplinary and communication studies, p.p: 654-658.
15. Wu, Jinnan; Liu, Lin; Huang, Lihua (2017) Consumer acceptance of mobile payment across time: Antecedents and moderating role of diffusion stages. Industrial Management & Data Systems; Wembley Vol. 117, Issue. 8, p.p: 1761-1776.

References 
Akalya. A (2020) “Impact and challenges of Artificial Intelligence in Banking”, Journal of information and Computational Science, Vol. 10 Issue 2.
Ritu TuliSameer Salunkhe (2019) “Role of Artificial Intelligence in Providing Customer Services with Special Reference to SBI and HDFC Bank” International Journal of Recent Technology and Engineering , Vol. 8 Iss 4.
Bhuvana, Ghirumagal and Vasantha (2016), Big Data Analytics - A Leveraging Technology for Indian Commercial Banks, Indian Journal of Science and Technology, Vol 9 (32).
Geetha (2021) Artificial Intelligence in banking sector and financial services, International Journal of Creative research thoughts, ISSN: 2320-2882, Volume 9, Issue 9, pp 45-56.
Simran Jewandah (2018) “How Artificial Intelligence Is Changing the Banking Sector - A Case Study of top four Commercial Indian Bank” International Journal of Management, Technology and Engineering, Vol. 8, Iss 7.
Kishori, B. Mahalakshmi .A (2022), A Literature Review on Usage of Artificial Intelligence in Banking Sector with Special Reference to Indian Banks, International Journal of Research Publications and Reviews, Vol.3 (5) pp 2708-2711.
Zhu (2002), Innovation in emerging economies: Research on the digital economy driving high quality green development, pp 801-813.
Mullan,J (2017), Bank adoption of mobile banking: stakeholder perspective, International Journal of Bank Marketing, pp 11154-1174.
Musiega,M.(2016), Factors influencing financial performance of e-banking of commercial banks in Kakamega country, Kenya, International Journal of Management, pp 805.
Praveen Kumar Donepudi (2017) “Machine Learning and Artificial Intelligence in Banking”
Engineering International, Vol 5.