1. CREATE SECURE ONLINE TRANSACTIONS USING A RICH RELIABILITY ALPHANUMERIC CODE PROCEDURE USING TWO STEP AUTHENTICATION TECHNIQUES
Authors: D.SARAVANAN1, Dr. ANUSHA SREERAM2, Dr. DENNIS JOSEPH3, Dr. KVSSN MURTY4 and Dr. SIVA G.V5
Abstract
Today, getting products online is one of the easiest and most convenient options for users. Plenty of service providers across the globe offer this service, allowing users to order any product from any geographical location. Users can select, view, and compare products online, either with an account or without one. Once a user selects a product, it is necessary to pay for it using one of the available payment mechanisms. Most payment gateways today are enabled with two-way authentication mechanisms. Each time a user enters their credentials, a random Rich Reliability Alphanumeric Code (RRAC) is generated and communicated to the user via a short text message. This information is generated randomly, so even if the same user continues the operation or initiates another transaction, they will never receive the same RRAC. This process is performed by the RRAC server using symmetric key authentication mechanisms. This information exchange is highly secure because the key is known only to the transaction creator and receiver. Any hacker attempting to steal the RRAC would have no clue as to which product the information pertains to. In our proposed paper, this process is explained in a three step mechanism: RRAC recordkeeping, RRAC sign-on, and RRAC process. The proposed mechanism is more secure than the existing one-time password mechanism. Our investigation outcomes have proved that this method is more secure and efficient.
Keywords: Rich Reliability Alphanumeric creation
2. WORKFORCE DIVERSITY AND ORGANIZATIONAL PERFORMANCE: A THEORETICAL FRAMEWORK AND FUTURE RESEARCH AGENDA FOR INDIAN ENTERPRISES
Authors: NIKHIL KULSHRESTHA1, NEERAJ KATARIA2, SHWETA SETHI3 and P.C. BAHUGUNA4*
Abstract
Workforce diversity is increasingly recognized as a critical driver of organizational performance. This paper explores the theoretical underpinnings and develops a comprehensive research framework to understand how diversity impacts innovation, financial performance, and employee engagement within organizations.
Drawing on the Resource-Based View (RBV), Social Identity Theory (SIT), and Social Categorization Theory (SCT), the study posits that diversity acts as a unique resource that enhances organizational outcomes when effectively managed through inclusive HRM practices and leadership.
The proposed hypotheses investigate the direct and indirect relationships between workforce diversity, organizational innovation, financial performance, and employee engagement. The future research agenda outlines a mixed methods approach to empirically test these hypotheses in diverse Indian enterprises, including IT, manufacturing, healthcare, and banking sectors. By focusing on organizations with a demonstrated commitment to diversity and inclusion, this research aims to provide actionable insights for managers and policymakers, contributing to both academic literature and practical management. This study lays the groundwork for future empirical research to validate the proposed framework and hypotheses, ultimately guiding organizations in leveraging diversity for sustained competitive advantage
3. A STUDY ON KNOWLEDGE RETENTION CHALLENGES: INVESTIGATING THE FORGETTING CURVE IN MUMBAI’S IT/ITES SECTOR
Authors: Ms. DEEPTI MULGAONKAR1, Dr. M R JHANSI RANI2 and Dr. C B VENKATA KRISHNA PRASAD3
Abstract
The "forgetting curve," a concept introduced by Hermann Ebbinghaus, emphasizes the rapid decline of memory retention without reinforcement. This study explores the forgetting curve in the IT/ITES sector in Mumbai, focusing on the drivers, impacts, and mitigation strategies for knowledge loss post-training. Given the critical role of learning and development (L&D) in an industry marked by rapid technological advancements and high attrition, understanding memory decay is vital. The research identifies cognitive load, interference, and retention strategies as key areas for improving training effectiveness and enhancing organizational competitiveness. Recommendations include customized learning approaches and reinforcement mechanisms tailored to the unique demands of the sector.
Keywords: Forgetting Curve, IT/ITES Sector, Knowledge Retention, Cognitive Load, Learning and Development
4. UNDERSTANDING INVESTOR VIEWS ON HANDPICKED MUTUAL FUNDS: A HOLISTIC APPROACH
Authors: Dr. SHEKHAR KUMAR SAHU1, Dr. BHASKAR SINGH BISHT2, CHETNA JOSHI3, ANJALI ARYA4, VINEET PATHAK5 and Dr. MEGHA BHATT6
Abstract
Purpose: The Study of This Paper Is to Know the Investors Perception on Selected Mutual Funds.
Design/Methodology: In this study, we aim to identify the significant associations between investors' demographic factors and their investment patterns, along with assessing their perceptions towards selected schemes and avenues. A total of 400 people took part in the questionnaire, out of which 380 samples were completed and considered reliable. Hence, the total sample size of the study was 380, selected randomly from the Indian population. Additionally, SPSS and Excel software were used to test the hypotheses.
Findings: The study reveals a significant link between annual savings and factors like annual income, age, and gender. Interestingly, the preference for mutual funds is notably associated with annual income. On the other hand, no significant connection was found between the duration of investment and demographic factors. Investors show a clear preference for equity funds as their top choice, drawn to the potential returns. Simultaneously, traditional bank deposits secure the first rank, highlighting a strategic balance between dynamic investment options and stable choices.
Keywords: Investors Perception, Mutual funds, Investment Pattern, Duration of Investment, and Annual Saving.
5. EMPOWERING SUSTAINABLE WELL-BEING: THE ROLE OF DIGITAL FINANCIAL LITERACY IN THE MODERN AGE
Authors: Dr. NEETU CHHILLAR1, Dr. SWARANJEET ARORA2 and Dr. ASHUTOSH DASH3
Abstract
Digital Financial Literacy (DFL) is essential for achieving financial security and well-being in an increasingly digital financial world, aligning with several United Nations Sustainable Development Goals (SDGs). The study explores how demographic factors such as age, education, gender, and marital status interact with DFL, financial well-being, income, and health outcomes, contributing to the goals of quality education (SDG 4), gender equality (SDG 5), and reduced inequalities (SDG 10). The study, with 504 respondents from the National Capital Region of India, examined these relationships using PLS-SEM. The findings reveal that DFL significantly impacts financial well-being (FWB), health, and income; education significantly influences all these outcomes. However, age is complicated, as it is negatively correlated with DFL and health but positively, though insignificantly, associated with financial well-being. Additionally, married people enjoy better financial and health conditions than single people. Therefore, this study calls for focused interventions on improving DFL, especially among the elderly, the less educated, and males, to achieve sustainability in financial behavior. It provides new insights into the research areas of fintech innovation and sustainable finance, informing future policy actions toward poverty reduction (SDG 1), improved financial resilience (SDG 8), and better health outcomes (SDG 3) through increased digital financial literacy
Keywords:Digital financial literacy, sustainable well-being, health outcomes, PLS-SEM, financial security, demographic factors, sustainable development goals, financial well-being.
6. EMPIRICAL ANALYSIS OF THE INDIAN CAPITAL MARKET AND IT’S IMPACT ON ECONOMIC GROWTH
Authors: Dr. PRASHANTH CHINTHAPATLA
Abstract
This paper aims to investigate how capital market has affected the Indian economic growth between 2013 and 2023. The performance of the capital market acts as a stimulant for the expansion and growth of an economy. One of key elements in the process of any country's economic development has been its capital market. The data from BSE, NSE and MSEI was used to analyse the influence of market capitalisation growth rate and its impact on the country’s GDP growth rate. Applying regression analysis, it shows that capital market and economic growth are co-integrated and the P values were significant at 1% confidence level. This shows quite clearly how much of a positive influence the Indian capital market has on the nation's economic expansion. As a result, it is advised that the regulatory body start implementing laws that would enable more businesses to enter the market and also take a more active role in conducting surveillance to prevent unscrupulous activities that damage the integrity of the market and destroy investor confidence.
The present study is significant to evaluate and prove statistically about the impact of Indian capital market on the growth of economy.
Keywords:
Economic growth, Capital market, GDP, BSE, NSE, Market Capitalization.
7. STUDY OF ENCOURAGING NEW WAYS OF TEACHING IN RELATION TO DIGITAL SKILLS
Authors: Dr. VIDHU GAUR1, Dr. PURVI PAREEK2 and Dr. NEERA JAIN3
Abstract
The swift progress in society in recent years has required alterations in the expectations of both citizens and educators. The incorporation of information and communication technology (ICT) into education has underscored the necessity of cultivating digital competence among educators, presenting a significant challenge for teacher training programs. This study seeks to assess the digital competency of educators engaged in Lifelong Learning in the Delhi/NCR region. A quantitative, cross-sectional research methodology was utilized to attain this purpose, utilizing a sample of 40 teachers from different schools in the region. The results indicated a substantial deficiency in instructors' abilities across the five aspects of digital competence, especially in digital content creation. The investigation revealed a direct association between previous ICT training and the aspects of communication, collaboration, and content production. The study revealed that instructors who voiced apprehensions over their preservice ICT training were generally younger and possessed fewer than 10 years of professional experience. This demographic insight indicates that younger instructors may perceive themselves as less equipped to properly use digital resources into their teaching methodologies. The continuous enhancement of digital teaching competency is a significant problem for the education system. It is essential to address this issue, as it will remain a primary focus in the training of contemporary educators. Improving digital proficiency is crucial for promoting creative pedagogical approaches and enabling educators to adjust to the changing requirements of the digital era. By prioritizing this development, we may create a basis for a transformational educational framework that facilitates successful learning and equips students for the future.
Keywords: Teacher Training; Digital competence; Information and Communication technologies; Educational challenges.
8. EXPLORING THE CONCEPTUAL FLOW AND UNVEILING THE FUTURE THEMATIC LANDSCAPE IN GREEN BANKING LITERATURE: A BIBLIOMETRIC ANALYSIS
Authors: MANISH KUMAR1*and SUSHIL KUMAR MEHTA2
Abstract
Purpose: This study aims to present the bibliometric analysis on the Green Banking to determine the potential trends and mapping future research agenda.
Design/Methodology/approach: Bibliometric analysis has been employed to conduct the Systematic Literature Review (SLR). The SCOPUS database is used to gather data and for formulation of research question, PICo methodology has been applied with Seven-Step-Methodology (SSM) to implement the framework the bibliometric analysis.
Findings: This study reviews a total of 89 documents to determine how green banking has been evolved between 2012 and 2022. For conducting systematic review with accuracy, VOSViewer software has been used and results are reveled through both performance analysis and science mapping. Further, Network mapping results identify different themes and drops light on the explored and unexplored themes of Green Banking.
Originality/value: Following the arguments presented in the prior literature, this research involved contributions that gives future research agenda for further and potential research direction.
Keywords: Word of Mouth, norms, narrative, sales promotion, brand image, brand familiarity, cultural innovation industry Green Banking, Systematic Literature Review, Bibliometric Analysis, Thematic Analysis, VOSViewer
9. AI-DRIVEN SHRM STRATEGIES FOR FINANCIAL RISK MITIGATION AND ENHANCED RETURNS
Authors: Dr. HASSAN GARDEZI1, HEMANT SHARMA2, Dr. DEEPENDRA SHARMA3, MANOJ SANGISETTI4, Dr. SMITA DRON5 and Dr. RASHI SAXENA6
Abstract
AI-driven Strategic Human Resource Management (SHRM) strategies are crucial in the modern world to reduce financial risk and improve performance. The study examined the correlations between the efficacy of AI tools in managing financial risks, satisfaction with these tools, and their impact on organizational financial performance by employing a quantitative approach and conducting a survey of 100 HR professionals. The results indicate a highly significant positive correlation between the effectiveness of AI in risk mitigation and financial performance, as well as a similarly high correlation between satisfaction with AI tools and their impact on financial outcomes. AI tools that effectively manage financial risks and achieve high user satisfaction are closely associated with enhanced financial performance, as these results suggest. The study concludes that AI-driven SHRM strategies are indispensable for optimizing financial performance and effectively managing risks. In an effort to optimize their financial gains, organizations are to prioritize user satisfaction and allocate resources to artificial intelligence technologies.
Keywords: Artificial Intelligence, Healthcare Systems, Health Technology, Medical AI, Future Trends, Machine Learning