Volume 14 | Issue 3 |

 Abstract

E-retail and digital payment systems have become an important part of the Indian economy. In recent years, more people have started using online platforms to buy products and make payments. This study examines the growth, opportunities, and challenges of e-retail and digital payments in India using secondary data from reports, government publications, and industry sources. The analysis shows that increased internet use, smartphone adoption, and digital payment platforms have supported the expansion of online retail. Systems developed under institutions such as the Reserve Bank of India and the National Payments Corporation of India have also helped strengthen the digital payment ecosystem. The study finds that e-retail is expanding beyond large cities and reaching smaller towns and new customer groups. At the same time, issues such as cybersecurity risks, data privacy concerns, digital literacy gaps, and infrastructure limitations still affect growth. Overall, the results suggest that e-retail and digital payments will continue to develop in India, supported by technology, policy initiatives, and changing consumer behaviour.

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E-Retail, Digital Payments, UPI, Online Shopping, FinTech, Digital Economy

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ABSTRACT Self-awareness and self-esteem are fundamental psychological constructs that significantly influence personal growth and transformation. This paper explores how self-awareness fosters an accurate understanding of one's thoughts, emotions, values, and behaviors, while self-esteem reflects one's overall evaluation of self-worth. Through review of empirical studies and theoretical perspectives, this research demonstrates that a dynamic interplay between self-awareness and self-esteem facilitates adaptive functioning, resilience, and purposeful life choices. The findings emphasize the importance of fostering these constructs through educational interventions, counseling practices, and organizational development programs to support individual transformation.

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KEYWORDS: Self-Awareness, Self-Esteem, Personal Growth, Transformation, Psychological Development

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Education should change according to the needs and demands of society. Access to education, Preparation to implement NEP, learning through online portals is a new issues in higher education . Internationalisation of education, free movements of students and teachers are the issues which needs to be addressed. This paper identifies Crisis and challenges of Higher education in India after COVID19 and tries to find out ways to overcome these challenges. Pandemic has created a need for technology .Technology based teaching and learning has created multiple challenges after pandemic. Teaching, research and Extension form the basis of Indian higher education . During Pandemic teaching, learning had become the major issue. Face to face interaction with students was replaced by virtual class. Adoption of new technology in the learning process has brought up the issues of access ,acceptance of technology. After pandemic adoption of technology in teaching ,learning and evaluation is gaining importance. It also examines acceptance of technology and social factors in Higher education.

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Post pandemic, Teaching and learning, Challenges

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The selected autobiographies titled I Know Why the Caged Bird Sings and Gather Together in My Name unravels Maya Angelou's own life experiences in the broader context of the black community. While these narratives bring to the fore various challenges and struggles experienced by her people, it also opens up the scope of dialogue and change as evident in her own share of literary work combined with socio-political activism. Angelou assumes a critical position while discussing the shaping events in her life and presents an insider's view while bringing her people into the context. Thus, she also highlights the aspects of how black lives uphold resistance, resilience, pride and adaptability through their share of difficulties. The present paper aims to study the aspects of social and individual identity with regard to the black individual and community in order to locate Angelou's position within the same. It also examines black struggles, as represented in the select autobiographical texts against various systemic social inequalities prevalent in the American society. Further, it analyses the role of family in shaping Angelou's individuality, perspectives and convictions while also highlighting the impact of social inequalities on the quality of black experience and life.

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Angelou's Experiences, Struggles, Social Inequalities, Role of Family, Convictions and Change

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There is no denying the fact that Dalit literature, in recent years, has been gaining importance in the global academic discourse. The range of scholarly journals, the kind of research which has been carried out by the academicians, the wide-spanning publication houses, and the level of academic discussions through seminars and conferences on this topic, in recent years, are the case in point. It is also true that, until recently, unlike the other genres of Dalit literature, Dalit drama has played a somewhat subdued role in creating awareness among the masses against the atrocities of caste discrimination. Dalit dramas, hence, have remained a less discussed topic in Dalit studies than their other counterparts like novels, short stories and poetry. The primary aim of this paper, therefore, would be to highlight the role of Dalit drama in creating a space in this growing Dalit literary discourse. The other end of this paper is to investigate how far Dalit drama has become a potential mode of resistance against the injustices of caste atrocities meted out to the Dalits by the caste-Hindus for a long period of time. The paper also tries to shed light on the rich body of Dalit drama exist in many regional languages, which need global attention through translation. My study, through analytical mode, however, for certain reasons, would focus on some of the Dalit dramas across India which are translated into English. .

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resistance, discourse, Dalit literature, discrimination, translation

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Influencer marketing via social media has transformed how brands engage consumers, emerging as a rapidly growing component of contemporary marketing strategies (Campbell & Farrell, 2020; Vrontis et al., 2021). This theoretical study examines how different social media platforms shape influencer-follower dynamics and advertising effectiveness by synthesizing evidence from recent data-driven research. Prior studies consistently indicate that influencer credibility--reflected through trustworthiness, expertise, and perceived authenticity--plays a pivotal role in shaping consumer attitudes and purchase intentions (Saima & Khan, 2020; Kim & Kim, 2021). Moreover, platform-specific features and technological affordances influence the development and intensity of parasocial relationships between influencers and followers, which subsequently affect advertising outcomes and brand evaluations (Lou et al., 2023; Ki et al., 2020). The analysis further highlights the importance of social identity and influencer-audience congruence in amplifying marketing effectiveness across platforms (Farivar & Wang, 2022; Belanche et al., 2021). Existing evidence also suggests that influencer marketing campaigns often generate higher returns on investment than traditional promotional channels, with a substantial proportion of marketers reporting favorable performance outcomes (Dimitrieska & Efremova, 2021). However, such effectiveness is contingent upon strategic alignment, including the careful matching of influencer attributes with the target audience and platform characteristics, the maintenance of influencer credibility, and the facilitation of authentic and meaningful engagement. Overall, this integrative perspective contributes to a comprehensive understanding of the current influencer marketing landscape, its critical success factors, and the potential for leveraging social media analytics to optimize influencer-driven campaigns.

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Influencer marketing; Social media platforms; Credibility; Parasocial relationships; Congruence; Consumer engagement

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This study undertakes a comparative analysis of Kazuo Ishiguro's Never Let Me Go and Valeria Luiselli's Lost Children Archive, both in terms of their treatment of the related themes of silence, exile, and belonging in contemporary literary discourse. Ishiguro's dystopian fiction presents a picture of cloned children living in a controlled environment in England, meant to donate their organs, while Luiselli's politicised fiction deals with the issue of migrant children in the border region between Mexico and the U.S. Although both fictions differ in genre, location, and narrative style, they both examine the ways in which human life is controlled and regulated. Drawing on the works of psychology, trauma, and biopolitics, this study argues that silence in both novels does not simply refer to the absence of speech but, in fact, refers to a structural condition created by power relations. In Never Let Me Go, silence is internalized and becomes a form of emotional survival that works against rebellion, despite the partial revelation of the truth. The compliance of the clones with their predetermined fate, for instance, demonstrates the nuanced violence of institutional power, where belonging is meticulously crafted but remains conditional in its very construction. Memory, especially in relation to Kathy's narrative, appears as a tenuous substitute for freedom, an intimate space wherein dignity and identity are maintained. In contrast, Lost Children Archive understands silence as something enforced through politics. The voicelessness of the migrant children is caused by the borders and the legal system. The multi-layered narrative of Luiselli, who uses documentation and testimony in the narrative, is reminiscent of the fragmentary experience of the migrant communities. Exile is understood here as physical and generational rather than existential. Belonging is still tenuous and filtered through narrative. The act of archiving is understood here as an ethical imperative and a form of resistance to the politics of disappearance. Through the juxtaposition of the two works, the study reveals the manner in which contemporary fiction brings together dystopian fantasy and political realism to address the concerns that are shared in terms of vulnerability, precarity, and the value of human life. The two works follow the trajectory of innocence to revelation, constructed belonging to irrevocable exile, and finally, the rejection of incendiary revolt in favor of endurance and the preservation of the narrative. This juxtaposition situates literature as a key site to explore the manner in which the individual navigates identity in terms of systems that commodify, displace, and silence them. In an interdisciplinary dialogue with psychoanalysis, trauma studies, and migration studies literature, this study seeks to make an additional contribution to the scholarly discussions on marginality, memory, and ethics in twenty-first-century literature. The study contends that while Ishiguro and Luiselli write from different contexts, they share a common emphasis on the human affirmation of storytelling, in terms of memory or documentation

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Silence, Exile, Belonging, Trauma, Psychoanalysis, Biopolitics.

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The matrix is a very useful and significant mathematical construct of contemporary society. Originally formed as a methodical way of solving linear systems of equations, matrix theory has developed into a large framework that supports many disciplines, including quantum physics, linear algebra, numerical analysis, engineering design and most recently, data science. Matrix analysis allows for the development of complex multivariable systems, through the use of a structured, compact representation of linear transformations. Matrices are important in the practical sciences as well as in theoretical mathematics. They are used to create large-scale simulations, optimization methods, and computational models. Computers also rely heavily on matrices for their ability to represent input-output and optimization models in economics, to represent quantum states and coordinate transformations in physics, and in developing machine learning techniques and computer graphic transformations. Through the combination of analytic methods and existing literature, this paper investigates the theoretical foundation, key computational methods and interdisciplinary applications of matrices. The paper illustrates that matrices will remain vital for the development of modern scientific and technological inquiry and will serve as a common mathematical language between various disciplines.

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- Numerical analysis, multidisciplinary applications, computational methods, matrix theory, and linear algebra.

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The growth of digital fashion platforms has increased the need for intelligent and personalized styling systems. This paper presents an AI-powered Smart Wardrobe that combines deep learning-based clothing classification with a hybrid recommendation engine. Users can upload garment images and receive outfit suggestions based on body type, skin tone, and wear history. A transfer learning approach using ResNet50 is applied for clothing classification. The model achieved 93.2% validation accuracy and 88.7% real-world test accuracy. The system enhances wardrobe utilization, minimizes outfit repetition, and promotes sustainable fashion through automated personalization.

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Smart Wardrobe, Deep Learning, ResNet50, CLIP, Visual Embeddings, Personalized Recommendation, Computer Vision

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The people has seen fast alterations in anti- technology over the last few decades, and with the rise of cloud computing, the way we develop applications has changed quickly. This has made it easier to build applications that are both efficient and scalable. In recent years, the digital world has introduced many new innovations, especially with the use of Artificial Intelligence, or AI. This paper looks at how AI and cloud computing work together to help modernize applications by offering better services and infrastructure. By using both AI and cloud technologies, companies can now manage resources more smartly, use predictive analytics, automate deployment and scaling, and improve security, which helps them offer better solutions to their customers. Additionally, using cloud and AI technologies allows businesses to save money and deliver better services. The paper also talks about some challenges, like protecting personal data, and how strong AI governance can help solve these issues.

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AI, Cloud Computing

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