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The Impact of Fintech on Online Shopping: A Comprehensive Review
R. Vishnupriya
Pages: 1-6 | First Published: 05 Sep 2023
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Abstract

The convergence of finance and technology has given rise to the field of financial technology, or Fin tech, which has revolutionized various aspects of the financial sector, including online shopping. The integration of Fin tech into e- commerce has brought about significant changes, offering enhanced efficiency, security, and personalized experiences for both consumers and merchants. This comprehensive review delves into the multifaceted impact of Fin tech on online shopping and its implications for consumers, retailers, and the e-commerce landscape. By presenting insights from literature reviews, research studies, and real-world examples, this study sheds light on the profound influence of Fin tech on the digital retail landscape. The findings support the alternative hypothesis, indicating a meaningful impact of Fin tech on online shopping, influencing consumer behavior, retailer strategies, and overall e-commerce performance. This review serves as a valuable resource for academics, policymakers, industry professionals, and anyone interested in comprehending the transformative role of Fin tech in the world of online shopping.
Keywords: Financial Technology, E-commerce, Personalized Experiences, Retailer Strategies, Transformative Role.

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.

Adoption of Fintech Services by Bank Customers in Bengaluru City
Dr. R. SAMINATHAN
Pages: 8-15 | First Published: 05 Sep 2023
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Abstract
The usage of Financial Technology (FINTECH) has changed how people conduct banking business. Banks may greatly increase adaptability, accessibility, inclusivity, and profitability by implementing modern technology such as big data analytics, cloud computing, and deep learning. This article examines the extent of Fin Tech awareness and usage as well as the impact of Fin Tech based on the demographic profiles of banking customers. A survey and a simple random sample procedure were used, with a questionnaire serving as the primary data source. The reliability of the data was examined using Cronbach's alpha after the data were collected using a five-point Likert scale. Chi-square, correlation, and ANOVA were used to analyze the data and make inferences. Findings showed that all of the aforementioned constructs had a substantial and favorable association with the intention to use Fin tech, and the study's conclusion shows that specific features can greatly influence how banking customers in Bengaluru City adopt and access fin tech services.
Keywords: Fin Tech, Adopt and Use of Technology, service quality and Security

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.

An Exploration of Crypto currency and Fin tech
Thrisha Shree K P
Pages: 14-20 | First Published: 05 Sep 2023
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Abstract
The financial landscape has been significantly transformed by the emergence of crypto currencies and Fin tech. This study explores the complex world of crypto currencies and Fin tech, examining its development, effects on industries, and potential future implications. It examines the decentralized nature of digital assets like Bit coin and the potential to disrupt financial intermediaries in the underlying block chain technology. The research explores the impact of crypto currencies on industries like payments, remittances, and cross-border transactions. It explores their potential for financial inclusion, increased financial inclusion, and reduced transaction costs. It also addresses market manipulation, security concerns, and regulatory issues. The study also explores block chain technology's use in decentralized finance platforms, Fin tech developments, and the reshaping of financial ecosystems through block chain, IOT, and AI. In conclusion, this exploratory study offers useful information about the world of crypto currencies and Fin tech, their disruptive effect on conventional finance, and the potential future directions of this dynamic and developing sector. In order to ensure a sustainable and inclusive financial future, it emphasizes the need for a balanced approach that fosters innovation while addressing regulatory challenges.
Keywords: Bit coin, crypto currencies, Fin tech, IOT, block chain

Crypto currencies and fin tech have revolutionized the financial landscape, offering opportunities and challenges for individuals, businesses, and governments. Crypto currencies, led by Bit coin, have become a digital asset class, offering diversification and potential high returns. Fin tech innovation, including mobile payment platforms, peer-to-peer lending, robot-advisors, and block chain-based solutions, has increased access to financial services and enhanced efficiency. Financial inclusion is one of the benefits of fin tech and crypto currencies, allowing people in remote areas to participate in the global economy. However, crypto currencies face challenges such as price volatility, regulatory uncertainties, and security risks. Governments and financial authorities are grappling with regulating crypto currencies and fin tech, balancing innovation, consumer protection, and financial stability. Environmental concerns, mining operations, and central bank digital currencies (CBDCs) are also a concern. Collaboration between public and private sectors and proactive regulation will play a crucial role in shaping the future of crypto currency and fin tech, ensuring sustainable growth and widespread adoption.

A STUDY ON CYBER SECURITY AND FINANCIAL CRIME
M. Aakash
Pages: 23-28 | First Published: 05 Sep 2023
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Abstract
Cyber security and financial crime are closely linked. Financial institutions are particularly vulnerable to cyber attacks, which can result in the theft of sensitive customer data and financial assets. Cybercriminals use various tactics, such as phishing and malware, to gain access to these assets. It's essential for financial institutions to implement robust cyber security measures to protect themselves and their customers from financial crime. Cyber security and financial crime are two important topics that intersect in the digital age. Financial institutions are increasingly targeted by cybercriminals who use sophisticated tactics to gain access to sensitive customer data and financial assets. Cyber security measures must be implemented to protect against these threats, and financial institutions must work to stay ahead of evolving cyber threats. Additionally, there are various laws and regulations in place to prevent financial crime, such as money laundering, fraud, and insider trading. It's important for financial institutions to comply with these regulations to maintain the integrity of the financial system.
Keywords: Cyber security, Cyber attacks, Customer, Financial crime
 

References

1. Alwen and Al-Zubi This study looked at the uptake of internet banking by customers of commercial banks in Jordan. It was published in International Journal of business and Management, Vol. 11 No. 3, pp. 95-104.
2. Dr. Alagarsamy K, Wilson S, A research project examining the attitudes of customers towards banking services, with a particular emphasis on the public sector. in Sivagangai District, Asia Pacific Journal of Marketing & Management Review ISSN 2319-2836, Vol.2(2), February2013, pp. 183 – 196.
3. Usha Rani K, Vasudha V, “Customer Perception towards E-Banking Services- Post Demonetization”, IOSR Journal of Business and Management (IOSR-JBM) pp. 65-75, 2017. Source:
http://www.iosrjournals.org/iosr-jbm/papers/Conf.17037- 2017/Volume5/11.%206773.pdf.
4. Khreshchentsi and Snyder (2009). Economic espionage and intellectual property: new crimes, new safeguards. Journal of Financial Crime, 16(3), 240–260.
5. Kumudha, S. and Rajan, A.A critical analysis of cyber phishing and its effects on the banking industry was published in the International Journal of Pure and Applied Mathematics, Vol. 119 No. 17, pp. 1557-1569.
6. Tikhonova claims The characteristics of financial crime in the United States today, Legal Bulletin, 7, 2, 244-250. (In Ukrainian)

Fin Tech Technology Start-ups and Banks- Adoption
Sun deep N
Pages: 27-33 | First Published: 05 Sep 2023
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Abstract
The fast expansion of Fin Tech start-ups has changed the financial industry, putting established financial institutions on the defensive and forcing them to adapt to this changing landscape. This essay examines the influence of Fin Tech start-ups on established financial institutions, investigates their behavior in reaction to this changing reality, and digs into the critical factor of user attitude while designing such systems. Furthermore, the adaptation of Fin Tech among users, the existing environment, prospects, and investment outlook in the Fin Tech industry are also investigated.
Keywords: Fin tech, Financial Entrepreneurship, Banking Innovation, Disruptive Innovation, Banking, Online Banking, and BFSI.

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.

Fin Tech Technology Start-ups and Banks- Adoption
Sun deep N
Pages: 29-35 | First Published: 05 Sep 2023
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Abstract
The fast expansion of Fin Tech start-ups has changed the financial industry, putting established financial institutions on the defensive and forcing them to adapt to this changing landscape. This essay examines the influence of Fin Tech start-ups on established financial institutions, investigates their behavior in reaction to this changing reality, and digs into the critical factor of user attitude while designing such systems. Furthermore, the adaptation of Fin Tech among users, the existing environment, prospects, and investment outlook in the Fin Tech industry are also investigated.
Keywords: Fin tech, Financial Entrepreneurship, Banking Innovation, Disruptive Innovation, Banking, Online Banking, and BFSI

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.

Crypto currency and Fin Tech
Asmita Meenakshi. A
Pages: 34-40 | First Published: 05 Sep 2023
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Abstract

Fin tech and Crypto currency are two ground-breaking ideas that have recently changed the financial landscape. Crypto currency is a type of digital or virtual money that conducts transactions securely and decentralized using cryptographic methods. The term "fin tech," which stands for "financial technology," refers to a broad spectrum of cutting-edge products and services that improve financial transactions and interactions. Traditional financial systems have been significantly interested in and disrupted by the emergence of crypto currency and fin tech. The majority of crypto currencies' underlying technology, block chain, provides transparent and unchangeable transactions, fostering trust and minimizing middlemen. As a result, people and companies may now access global financial services more quickly, more affordably, and without limitations. The essential components of crypto currency and fin tech are examined in this abstract, along with their advantages, disadvantages, and prospective futures.
Keywords: Money laundering, Crypto currency Bill, Bit coin, Paytm, Finance minister, Tax.

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

Crypto currency and Fin Tech
Asmita Meenakshi. A
Pages: 36-42 | First Published: 05 Sep 2023
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Abstract 

Fin tech and Crypto currency are two ground-breaking ideas that have recently changed the financial landscape. Crypto currency is a type of digital or virtual money that conducts transactions securely and decentralized using cryptographic methods. The term "fin tech," which stands for "financial technology," refers to a broad spectrum of cutting-edge products and services that improve financial transactions and interactions. Traditional financial systems have been significantly interested in and disrupted by the emergence of crypto currency and fin tech. The majority of crypto currencies' underlying technology, block chain, provides transparent and unchangeable transactions, fostering trust and minimizing middlemen. As a result, people and companies may now access global financial services more quickly, more affordably, and without limitations. The essential components of crypto currency and fin tech are examined in this abstract, along with their advantages, disadvantages, and prospective futures.
Keywords: Money laundering, Crypto currency Bill, Bit coin, Paytm, Finance minister, Tax.

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

A Review on Implication of Digital Identity Management
Dr. T. Shenbhagavadivu
Pages: 41-46 | First Published: 05 Sep 2023
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Abstract
The research done by reviewing the papers related with the topic Digital Identity Management. Different researchers have identified the challenges in identity Management, the privacy issues in Block chain management and the necessity of decentralization of Identity management. The issues, challenges, and comparison with the traditional method of keeping the identity with the present digitalization is also discussed in this paper. The merits and de merits of the DIMS are also done.
Keywords: Block-chain management, digital identity, identity management, Digital Identity Management System

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

A Review on Implication of Digital Identity Management
Dr. T. Shenbhagavadivu
Pages: 43-49 | First Published: 05 Sep 2023
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Abstract 
The research done by reviewing the papers related with the topic Digital Identity Management. Different researchers have identified the challenges in identity Management, the privacy issues in Block chain management and the necessity of decentralization of Identity management. The issues, challenges, and comparison with the traditional method of keeping the identity with the present digitalization is also discussed in this paper. The merits and de merits of the DIMS are also done.
Keywords: Block-chain management, digital identity, identity management, Digital Identity Management System

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

Fin tech- A Contemporary tool of Financial Innovation
Bijina CK
Pages: 47-55 | First Published: 05 Sep 2023
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Abstract
Fin tech is a combination of the terms "financial" and "technology". Any program, piece of software or piece of technology that makes it possible for individuals or organizations to conduct financial transactions or obtain access to their accounts digitally is referred to as such. The growth and quick adoption of transformational technologies, as well as the applications (or "apps") they enable, have had a significant impact on the fin tech sector over the past two decades. The ability of fin techs to recognize and address the sources of friction customers frequently experience with traditional financial institutions (FIs) has been crucial to their success along the way. Many fin tech companies have offered top-notch, consumer-focused digital experiences, given underserved and unbanked client groups access, and established cost-effective ways of functioning through more effective infrastructure and streamlined processes.
Keywords: Fin tech, Block chain, Distributed ledger technologies, or DLTs, Finance

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. .

Fin tech- A Contemporary tool of Financial Innovation
Bijina CK
Pages: 50-59 | First Published: 05 Sep 2023
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Abstract
Fin tech is a combination of the terms "financial" and "technology". Any program, piece of software or piece of technology that makes it possible for individuals or organizations to conduct financial transactions or obtain access to their accounts digitally is referred to as such. The growth and quick adoption of transformational technologies, as well as the applications (or "apps") they enable, have had a significant impact on the fin tech sector over the past two decades. The ability of fin techs to recognize and address the sources of friction customers frequently experience with traditional financial institutions (FIs) has been crucial to their success along the way. Many fin tech companies have offered top-notch, consumer-focused digital experiences, given underserved and unbanked client groups access, and established cost-effective ways of functioning through more effective infrastructure and streamlined processes.
Keywords: Fin tech, Block chain, Distributed ledger technologies, or DLTs, Finance

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. .

“A Study on Artificial Intelligence in banking and financial Sector”
Dr. E. Anitha Alice
Pages: 56-59 | First Published: 05 Sep 2023
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Abstract
Artificial Intelligence (AI) in the banking and financial sector refers to the implementation of rules and regulation applied in advanced computer and learning techniques to find out the information, spot the patterns, and make instant decisions in various aspects of financial services. AI systems are designed to mimic human intelligence by processing vast amounts of data, learning from it, and continuously improving their performance over time. In the banking and financial sector, AI is used to streamline operations, enhance customer experiences, and improve decision-making processes. This paper made an attempt to disclose the upcoming use of Artificial Intelligence in financial and the banking sector. The study is classified into a) Key applications in Artificial Intelligence b). Causes of Artificial Intelligence in financial and banking sector c) Consequences and its Impact of Artificial intelligence technologies in financial and banking sectors. This study emphasis an overview a continuous phase of basic and inter connected technologies around new techniques like machine learning and natural languages that is insurgent of Artificial Intelligence. These AI-powered solutions aim to increase efficiency, reduce costs, mitigate risks, and provide better services and experiences to customers.
Key words: Artificial Intelligence, Customer services

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

“A Study on Artificial Intelligence in banking and financial Sector”
Dr. E. Anitha Alice
Pages: 60-64 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract 
Artificial Intelligence (AI) in the banking and financial sector refers to the implementation of rules and regulation applied in advanced computer and learning techniques to find out the information, spot the patterns, and make instant decisions in various aspects of financial services. AI systems are designed to mimic human intelligence by processing vast amounts of data, learning from it, and continuously improving their performance over time. In the banking and financial sector, AI is used to streamline operations, enhance customer experiences, and improve decision-making processes. This paper made an attempt to disclose the upcoming use of Artificial Intelligence in financial and the banking sector. The study is classified into a) Key applications in Artificial Intelligence b). Causes of Artificial Intelligence in financial and banking sector c) Consequences and its Impact of Artificial intelligence technologies in financial and banking sectors. This study emphasis an overview a continuous phase of basic and inter connected technologies around new techniques like machine learning and natural languages that is insurgent of Artificial Intelligence. These AI-powered solutions aim to increase efficiency, reduce costs, mitigate risks, and provide better services and experiences to customers.
Key words: Artificial Intelligence, Customer services

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

Understanding Crypto currency and Block chain Technology: a Comprehensive Overview
A. Merlyn Rose
Pages: 64-74 | First Published: 05 Sep 2023
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Abstract
Crypto currency and block chain technology have emerged as transformative forces in the financial and technological landscapes, revolutionizing the way we perceive and interact with digital assets. This paper presents an encompassing overview of these groundbreaking concepts, exploring their origins, underlying principles, and real-world applications. The first section delves into the foundations of block chain technology, elucidating its decentralized nature, cryptographic security, and consensus mechanisms. It examines the mechanics of block chain data structures and the role of miners or validators in securing the network, providing a solid understanding of how this tamper-resistant ledger works. Next, the focus shifts to crypto currencies, digital assets that utilize block chain technology for peer-to-peer transactions without the need for intermediaries. This section sheds light on the most prominent crypto currency, Bit coin, unraveling its creation, operation, and the phenomenon of mining. It also explores other crypto currencies, referred to as alt coins, which have proliferated with unique features and use cases. The paper then examines the broader implications of crypto currency and block chain technology across various industries. The regulatory landscape surrounding crypto currencies and block chain technology is also analyzed, focusing on the challenges governments and policymakers face in striking a balance between innovation and consumer protection. Understanding these regulatory dynamics is crucial for stakeholders seeking to navigate the evolving legal frameworks. Furthermore, the paper touches on the environmental impact of crypto currency mining, addressing concerns about energy consumption and sustainability. It explores both the environmental drawbacks and potential solutions. Lastly, the future prospects of crypto currency and block chain technology are explored, discussing ongoing research, technological advancements, and potential roadblocks. With the rapidly evolving nature of these technologies, staying informed about the latest developments is essential for businesses, investors, and policy makers. Overall, this comprehensive overview aims to equip readers with a solid grasp of crypto currency and block chain technology, allowing them to appreciate their far-reaching impact and implications in the digital age and beyond.
Keywords Crypto currency, block chain technology, Bit coin

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.
Mayas

The Role of Fin tech in Sustainable Finance
Theebika .M
Pages: 65-68 | First Published: 05 Sep 2023
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Abstract 
This article explains the growing field of financial technology. The term financial technology refers to the integration of the internet related to technologies such as cloud computing and mobile banking with traditional financial services industry business activities such as money lending and transaction banking. Fin tech is still growing technology. Fin tech has developed with the help of technologies such as artificial intelligence, machine learning, crypto currencies, block chains, Networking model and smart contracts. Future will depend on fin tech technology. For this reason this paper will describe the concept, evaluation of financial technology and its aim is to eliminate the doubts in the literature about financial technology and shed light on the future.
Key words: Fin tech, Technology, Networking

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).

Understanding Crypto currency and Block chain Technology: a Comprehensive Overview
A. Merlyn Rose
Pages: 69-79 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract
Crypto currency and block chain technology have emerged as transformative forces in the financial and technological landscapes, revolutionizing the way we perceive and interact with digital assets. This paper presents an encompassing overview of these groundbreaking concepts, exploring their origins, underlying principles, and real-world applications. The first section delves into the foundations of block chain technology, elucidating its decentralized nature, cryptographic security, and consensus mechanisms. It examines the mechanics of block chain data structures and the role of miners or validators in securing the network, providing a solid understanding of how this tamper-resistant ledger works. Next, the focus shifts to crypto currencies, digital assets that utilize block chain technology for peer-to-peer transactions without the need for intermediaries. This section sheds light on the most prominent crypto currency, Bit coin, unraveling its creation, operation, and the phenomenon of mining. It also explores other crypto currencies, referred to as alt coins, which have proliferated with unique features and use cases. The paper then examines the broader implications of crypto currency and block chain technology across various industries. The regulatory landscape surrounding crypto currencies and block chain technology is also analyzed, focusing on the challenges governments and policymakers face in striking a balance between innovation and consumer protection. Understanding these regulatory dynamics is crucial for stakeholders seeking to navigate the evolving legal frameworks. Furthermore, the paper touches on the environmental impact of crypto currency mining, addressing concerns about energy consumption and sustainability. It explores both the environmental drawbacks and potential solutions. Lastly, the future prospects of crypto currency and block chain technology are explored, discussing ongoing research, technological advancements, and potential roadblocks. With the rapidly evolving nature of these technologies, staying informed about the latest developments is essential for businesses, investors, and policy makers. Overall, this comprehensive overview aims to equip readers with a solid grasp of crypto currency and block chain technology, allowing them to appreciate their far-reaching impact and implications in the digital age and beyond.

Keywords Crypto currency, block chain technology, Bit coin

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

A Theoretical Study on the Usage of Aadhaar as a Digital Identity
Dr. S. Mohanapriya
Pages: 75-81 | First Published: 05 Sep 2023
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Abstract

Digital identity management is essential for the progress of the Internet Economy. In order to foster innovation in both the public and private sectors, and to increase security, privacy, and trust in the Internet Economy, government policymakers need to have an effective framework in place. The complexity of credential management and the robustness needed for high-value services are constraints in current systems that must be addressed by digital identity management. This paper highlights the importance of Digital identity and analyses the challenges in using Aadhaar as a digital identity.
Keywords-Digital identity management, Digital identity, Aadhaar, Authentication, Access control, Internet economy.

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).

A Theoretical Study on the Usage of Aadhaar as a Digital Identity
Dr. S. Mohanapriya
Pages: 80-87 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract 

Digital identity management is essential for the progress of the Internet Economy. In order to foster innovation in both the public and private sectors, and to increase security, privacy, and trust in the Internet Economy, government policymakers need to have an effective framework in place. The complexity of credential management and the robustness needed for high-value services are constraints in current systems that must be addressed by digital identity management. This paper highlights the importance of Digital identity and analyses the challenges in using Aadhaar as a digital identity.
Keywords-Digital identity management, Digital identity, Aadhaar, Authentication, Access control, Internet economy.

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).

Eco-Friendly Consumers Payment Methods through EWallets
M. Esakkidevi
Pages: 82-89 | First Published: 05 Sep 2023
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Abstract
Any transaction in which money is electronically transferred from one account to another is considered an e-wallets payment. People are increasingly more likely to purchase eco-friendly products through e-wallets payment. The study's primary goal is to analyses the preferred e-wallet payment methods used by environmentally conscious consumers and determine the advantages that the sample respondents enjoyed. The data has been collected from 150 consumers by applying convenience sampling method and analyzed the collected data by using statistical tools including Percentage analysis, Friedman test, Correlation and Independent samples "t" test. The researcher concluded that most of the consumers are using digital wallets such as Google pay, PayPal, Venom, Paytm, Amazon pay, Phonepe etc. The young consumers are highly preferred e-wallets payment transaction for both offline and online. The high income groups of consumers are purchasing the eco-friendly products through e-wallets payment.
Key words: Eco-friendly Products, E-wallets Payment, Benefits of E-wallets Payment

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

Eco-Friendly Consumers Payment Methods through EWallets
M. Esakkidevi
Pages: 88-96 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract
Any transaction in which money is electronically transferred from one account to another is considered an e-wallets payment. People are increasingly more likely to purchase eco-friendly products through e-wallets payment. The study's primary goal is to analyses the preferred e-wallet payment methods used by environmentally conscious consumers and determine the advantages that the sample respondents enjoyed. The data has been collected from 150 consumers by applying convenience sampling method and analyzed the collected data by using statistical tools including Percentage analysis, Friedman test, Correlation and Independent samples "t" test. The researcher concluded that most of the consumers are using digital wallets such as Google pay, PayPal, Venom, Paytm, Amazon pay, Phonepe etc. The young consumers are highly preferred e-wallets payment transaction for both offline and online. The high income groups of consumers are purchasing the eco-friendly products through e-wallets payment.
Key words: Eco-friendly Products, E-wallets Payment, Benefits of E-wallets Payment

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/#

Role and Application of Financial Technology
Dr.K.Lakshmi Priya
Pages: 90-99 | First Published: 05 Sep 2023
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Abstract
Fin tech, or financial technology, is a term typically used to describe providing financial services online. Everything from mobile banking apps to payment apps, block chain and crypto currencies, stock trading, etc., might be covered by this fin tech innovation. Thanks to the Fin Tech sector, the global financial environment has been steadily evolving. Since its start, the fin tech sector, which offers rapid, inexpensive, and effective financial services, has grown tremendously.

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.

Role and Application of Financial Technology
DR.K.LAKSHMI PRIYA
Pages: 97-106 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract 
Fin tech, or financial technology, is a term typically used to describe providing financial services online. Everything from mobile banking apps to payment apps, block chain and crypto currencies, stock trading, etc., might be covered by this fin tech innovation. Thanks to the Fin Tech sector, the global financial environment has been steadily evolving. Since its start, the fin tech sector, which offers rapid, inexpensive, and effective financial services, has grown tremendously.
Collaboration between Fin Tech and this ecosystem is currently strengthening the traditional financial ecosystem. The fusion of technology and finance has helped millions of people globally. As it continues to play a bigger role in the banking business, technology has changed the way people make their own financial decisions. Older forms of payment are being gradually replaced by the internet and cell phones. As smart phone usage rises, traditional methods are gradually going digital. An online transaction may now be finished with only a simple text message, and the Fin Tech sector offers countless prospects. These organizations have increased the scope of the financial industries that they serve.
Key words-Fin Tech, Big data, Digital Banking, Block Chain, Crypto currency

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.

Internet of Things
Nishanthika Saravanan
Pages: 100-103 | First Published: 05 Sep 2023
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Abstract

Internet of things (or) IOT, it is the system of interrelated mechanical and digital machines, computing devices, objects, people or animal that are provided with the unique identifiers and able to transfer data over a network without the need of human-to-human or human-to-computer interaction. It is embedded with software, sensors, and other technologies for connecting and exchanging with other devices and system over the network. There are more than 13.8 billion on 2021, 16.4 billion on 2022, 19.8 billion on 2023, and in future it grows to 30 billion by 2030 users of IoT. For example, IoT devices are Alexa, Sir, Etc. Technologies that have made IoT possible are cloud computing, artificial intelligence(AI), Machine learning and analytics, connectivity. IoT Applications or platforms are sensor technologies, unique identifiers consumer IoT, Commercial IoT, internet connectivity, edge computing. IoT work with smart devices, graphical user interface, IoT application
.
Keywords: Internet of things (IoT), Cloud computing, edge computing, artificial intelligence, sensor technologies, internet connectivity.

a. Gipsa Alex1, Benitta Varghese 2, Jezna G Jose 3 and AlbyMol Abraham4Student, Information Technology Department Amal Jyothi College of Engineering Kanjirapally“ A Modern Health Care System Using IoT and Android“ Gipsa Alex et al. / International Journal on Computer Science and Engineering (IJCSE).
b. ArunRajaa, R. Naveedhab, G. Niranjanadevic and V. Roobini, "AN internet of things (iot) based security alert system using raspberry pi", Asia pacific international journal of engineering science.
c. T. Balakrishna 1 and R. Naga swetha, "development of arm7 based sensor interface for industrial wireless Sensor network (wsn) in iot environment", International Journal of Eminent engineering technology.
d. Ammar Khaleel and 2salman Yuss of, "an investigation on the viability of using iot for student safety and attendance monitoring in iraqi primary schools", Journal of Theoretical and Applied Information Technology.
e. Haesung Lee 1, Kwang young Kim2 and Joonhee Kwon, "A Pervasive Interconnection Technique for Efficient Information Sharing in Social iot Environment", International Journal of Smart Home.
f. S. Nazeem Basha 1, Dr. S. A. K. Jilani2 and Mr. S. Arun, "An Intelligent Door System using Raspberry Pi and Amazon Web Services IoT", International Journal of Engineering Trends and Technology (IJETT).
g. K. Yogitha and V. Alamelumangai, "RECENT TRENDS AND ISSUES IN IOT", International Journal of Advances in Engineering Research (IJAER).
h. T. Nandhini1, M. Sajitha Parveen 2 and Dr. (Mrs.) B. Kalpana3, "Survey on Internet of Things Architecture", World Scientific News, vol. 41, pp. 1-315, 2016, ISSN 2392-2192.

Next Generation Payment Systems
Amrita. P
Pages: 104-109 | First Published: 05 Sep 2023
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Abstract

Today, the world has been changed in all way. Everything has a single aspect of Digitalization. It affected the payment system also. Now the customer don’t have to keep physical cash in their hand due to the advance technologies .They can make payments in digital form. Digital payments have made a significant impact in the economy. Now everyone have Smart phones with them. So it became easier to make transactions. The technology is advancing every day, so expert tries to include more ideal features into the payment system to make the transactions more secure and convenient.
Keywords; Digitalization, technology, Digital payments, digital form

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.

A Study on Next-Generation Payment Systems
Dr. P. Annamuthu
Pages: 109-115 | First Published: 05 Sep 2023
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Abstract
In order to increase efficiency, security, and convenience in financial transactions, next-generation payment technologies have completely changed the financial landscape. The main developments and trends influencing the development of payment systems are examined in this essay. Peer-to-peer (P2P) platforms, mobile payments, and contactless transactions have all grown in popularity and are now widely available, giving users smooth payment experiences on their smart phones and wear ables. Traditional banking methods are being challenged by the decentralized, transparent, and secure payment options provided by block chain and crypto currencies. Instantaneous financial transfers made possible by real-time payments have revolutionized how people and corporations manage their finances. Strong security is provided by biometric authentication techniques, and the Internet of Things (IoT) gives smart devices the ability to make payments on their own. Through the creation of third-party applications, open banking efforts encourage innovation, while machine learning and artificial intelligence are important for detecting fraud and providing individualized financial services. By substituting distinctive tokens for sensitive data, tokenization improves security. The advent of Central Bank Digital Currencies (CBDCs) also raises the possibility of established monetary systems being disrupted. The revolutionary potential of next-generation payment systems and its consequences for the future of financial services are discussed in this study.
Keywords: Financial transactions, Payments, Internet, Digital Currencies

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

Next Generation Payment Systems
Amrita. P
Pages: 112-118 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract 

Today, the world has been changed in all way. Everything has a single aspect of Digitalization. It affected the payment system also. Now the customer don’t have to keep physical cash in their hand due to the advance technologies .They can make payments in digital form. Digital payments have made a significant impact in the economy. Now everyone have Smart phones with them. So it became easier to make transactions. The technology is advancing every day, so expert tries to include more ideal features into the payment system to make the transactions more secure and convenient.
Keywords; Digitalization, technology, Digital payments, digital form

Artificial Intelligence in Industry 5.0
Dr. P. Pavithra
Pages: 116-120 | First Published: 05 Sep 2023
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Abstract
As entirely new age of intelligent production and productivity has begun as a result of the convergence of Artificial Intelligence (AI) and Industry 5.0. As an extension of Industry 4.0, Industry 5.0 aims to bridge the divide between technology and human- centricity by fusing the productivity of automation and digitalization with the creativity and problem -solving skills of people. AI and Industry 5.0 have several roles such as data analysis and insight, supply chain optimization, Quality Control and Inspection etc.…. AI and Industry 5.0 also have several impacts in the industries such as Economic Growth and Competitiveness, Enhanced Safety and Security, Data- Driven Decision Making etc… Some of the challenges faced by AI and Industry 5.0 are Data security, Workforce adaptation, Regulation and policy. We can conclude that, Industry 5.0 and AI enable firms to grow in agility, innovation, and customer focus while establishing a harmonious interaction between technological potential and human potential.
Key Words: Data analysis and insight, Safety and Security, Digitalization, Data-Driven Decision Making.

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.

Study on Next-Generation Payment Systems
Dr. P. Annamuthu
Pages: 119-125 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract
In order to increase efficiency, security, and convenience in financial transactions, next-generation payment technologies have completely changed the financial landscape. The main developments and trends influencing the development of payment systems are examined in this essay. Peer-to-peer (P2P) platforms, mobile payments, and contactless transactions have all grown in popularity and are now widely available, giving users smooth payment experiences on their smart phones and wear ables. Traditional banking methods are being challenged by the decentralized, transparent, and secure payment options provided by block chain and crypto currencies. Instantaneous financial transfers made possible by real-time payments have revolutionized how people and corporations manage their finances. Strong security is provided by biometric authentication techniques, and the Internet of Things (IoT) gives smart devices the ability to make payments on their own. Through the creation of third-party applications, open banking efforts encourage innovation, while machine learning and artificial intelligence are important for detecting fraud and providing individualized financial services. By substituting distinctive tokens for sensitive data, tokenization improves security. The advent of Central Bank Digital Currencies (CBDCs) also raises the possibility of established monetary systems being disrupted. The revolutionary potential of next-generation payment systems and its consequences for the future of financial services are discussed in this study.
Keywords: Financial transactions, Payments, Internet, Digital Currencies

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

Artificial Intelligence in Industry 5.0
Dr. P. Pavithra
Pages: 126-130 | First Published: 05 Sep 2023
Full text | Abstract | Purchase | References | Request permissions

Abstract 
As entirely new age of intelligent production and productivity has begun as a result of the convergence of Artificial Intelligence (AI) and Industry 5.0. As an extension of Industry 4.0, Industry 5.0 aims to bridge the divide between technology and human- centricity by fusing the productivity of automation and digitalization with the creativity and problem -solving skills of people. AI and Industry 5.0 have several roles such as data analysis and insight, supply chain optimization, Quality Control and Inspection etc.…. AI and Industry 5.0 also have several impacts in the industries such as Economic Growth and Competitiveness, Enhanced Safety and Security, Data- Driven Decision Making etc… Some of the challenges faced by AI and Industry 5.0 are Data security, Workforce adaptation, Regulation and policy. We can conclude that, Industry 5.0 and AI enable firms to grow in agility, innovation, and customer focus while establishing a harmonious interaction between technological potential and human potential.
Key Words: Data analysis and insight, Safety and Security, Digitalization, Data-Driven Decision Making.