Volume 12 | Issue 4

 Abstract

Electronic banking, also known as e-banking, has transformed the landscape of financial services, offering convenience and accessibility to consumers worldwide. However, its widespread adoption has brought forth a myriad of challenges that financial institutions, regulators, and consumers must address. This study examines the key challenges facing electronic banking in today's age.

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E- banking, Online banking, Cybersecurity,

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The current research paper deals with mineral composition of Lenzites betulina (L) - Gilled mushroom collected from University campus, sept 2023. The dried fruiting body was acid digested by the method of Toth et al., (1948). The elements such as manganese, iron, copper, zinc, boron were estimated by Atomic Absorption Spectrophotometer (Thermo-scientific-AAS-Chemito AA 203 model). While potassium, calcium, sodium were determined by Flame photometer (Systronics 128 model), and element phosphorus was estimated by Sekine (1965) method. The fruiting body of Lenzities betulina (L) reveals major amount of calcium, potassium, sodium, phosphorus contents, on the contrary iron, copper, manganese, zinc and boron were found in lesser quantities.

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Minerals, Lenzites betulina, AAS, Flame photometer.

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In this age of ever-growing digital connection, fake news is prevalent and easier to spread more than ever. In the past, there have been some massive real-life implications of fake news, for example, the 2016 US elections. So in a day where almost everything we consume is digital and when fake news is very easy to spread, a way to separate real and fake news is very desirable. As such, this paper delves into the realm of Artificial Intelligence (AI) to look for a solution for this issue. This paper will focus on comparing and evaluating 4 different models of AI: Logistic Regression, Decision Tree, Gradient Booster and Random Forest classifiers. These 4 are the most common methods of AI-based fake news detection. Aside from comparing and evaluating these 4 algorithms against each other, the paper also aims to explain why traditional means of fact-checking often fail in this digital age and hence, why AI would be a more suitable option going forward.

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 Keywords

Artificial Intelligence, Machine Learning, Fake News Detection, Natural Language Processing, Text Classification, Sentiment Analysis, Deep Learning, Neural Networks, Data Mining, Information Verification, Social Media Analysis, Misinformation Spread, Fact-checking Algorithms, Pattern Recognition, Supervised Learning, Unsupervised Learning, Predictive Modeling, Feature Extraction, Algorithmic Bias, Ethics in AI.

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The world entering into a drastic growth equipped with advanced technology and systems. In the banking sector, fintech is now playing a crucial role in providing supportive services and smoothen operations of the banking platform. Study about the evolved payment technology that impacted the traditional way of banking and the changes in consumer behaviour. A quantitative approach followed using a questionnaire collection of data. The study size is 359 which includes diversified respondents like i.e. govt employees, pvt employees, business mans, households, and students. The sampling method adopted is purposive sampling. the dependent variables are experienced good rather brick and mortar bank, spending increased due to evolved payment technology; the independent variables are time saved, relief from the physical handle of cash, variety of options provide by payment technology partner, continuous innovation by payment technology partner, satisfaction level, smoothen day-to-day operation due to evolved payment technology. the analysis discloses 80% are aware of fintech and 20% are not aware. 99%are having bank A/c and 1% only not having bank A/c the recommendation are financial institutions concentrate online services, strengthen cyber security systems, R&D to conduct more innovation, and make it easier for all age categories. The various suggestions implemented to achieve the competitive level in finance sector in India.

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Smoothen operation, Relief, Satisfaction level, Experienced good, Variety options, Time.

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Empowering women is a crucial strategy for improving their socioeconomic status. Women who are empowered have a greater share over resources like material, human, and intellectual including knowledge, information, and ideas. They also have more influence over financial resources, including access to capital and the ability to make decisions for their families, communities, societies, and countries. Women are mistreated or exploited in many different contexts in underdeveloped nations. Their inherent nature is one of submissiveness, submission, and servility as a result of the inequity they experience. Even in many nations where education has advanced significantly, women are still not viewed as belonging to the same gender everywhere. Even in light of women's significant contributions to society, their standing is still regarded as insignificant or inferior. The timing is right for women to support her. The topic of women's empowerment is urgent. Numerous non-governmental organisations strive to improve women's lives and provide them with self-sufficiency training. The government has also declared a number of initiatives that support women, demonstrating how seriously it takes this issue. Information and communication technology is also crucial in this situation. Women are gaining jobs, security, awareness, knowledge, confidence, popularity, and other benefits through ICT. The current study examines the function of ICT, identifies obstacles to women using ICTs, and offers solutions to increase women's access to ICT.

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ICT, Women empowerment

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Foreign direct investment (FDI) has emerged as a key engine of global economic growth, notably in the service sector. This study seeks to conduct a complete analysis of the influence of FDI on service sector growth, taking into account a variety of variables such as job creation, technical advancement, and productivity enhancement. The service sector, which includes areas like finance, healthcare, tourism, and information technology, is critical to modern economies, contributing significantly to GDP and job creation. In recent years, FDI inflows into the service sector have steadily increased as a result of many nations' globalisation and liberalisation policies. This research conducts a comprehensive literature review to investigate the theoretical framework and empirical data around the relationship between FDI and service sector growth. It explores how FDI contributes to the expansion and development of service industries, fostering innovation, knowledge transfer, and skill development.The service sector plays a pivotal role in modern economies, contributing significantly to GDP growth, employment generation, and overall economic development. In recent decades, Foreign Direct Investment (FDI) has emerged as a key driver of globalization, fostering cross-border flows of capital, technology, and expertise.

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FDI Inflows, Service Sector, Globalisation

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This paper presents an IoT-based fish farm monitoring system designed to enhance operational efficiency, improve environmental management, and optimize resource utilization. The proposed system utilizes a network of sensors deployed throughout the fish farm to collect data on various parameters such as water quality, temperature, pH level, dissolved oxygen, and feed consumption. These sensors are connected to a central hub, which aggregates the data and transmits it to a cloud-based platform for storage and analysis. At present, China is the largest aquaculture country in the world, ranking in the forefront of the world in terms of the aquaculture scale and the aquaculture production. However, with the expansion of the aquaculture species and the gradual saturation of the development and utilization of the water resources, the traditional aquaculture methods are liable to cause adverse consequences such as the water pollution and the low quality of the aquatic products. Therefore, we have to abandon the extensive way of relying entirely on the experience for the aquaculture in the past. Through the use of the emerging technologies and the timely and accurate data of the aquaculture environment, it is inevitable to make efficient and timely adjustment. In this context, the introduction of the technology of the Internet of Things makes it possible for the aquaculture with high efficiency, high yield and environmental protection.

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Professional commitment, Self-efficacy, Primary school teachers.

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Folklore has often served as a tool for subversion or resistance against established power structures, while also providing insights into the socio-cultural essence of the society to which it belongs. It is well-documented that Alha performances have traditionally been dominated by men. However, with the advent of digitalization, there has been an opportunity for individuals of various genders and classes to step forward and gain recognition and respect as Alha singers based on their talent and potential. This paper aims to analyze the impact of digitalization on Alha folk performances and its effect on the inclusivity of performers. Specifically, it will explore how digital platforms have provided opportunities for female Alha singers to gain respect and popularity as Alhaits. In addition to examining the inclusivity in digital performances, this paper will conduct a comparative study of performances by male and female Alha singers. It will compare various aspects of Alha performances, such as manner, style, tone, rhythm, and contexts.

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Alha Folklore, Gender Inclusivity, performance,

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Non-fungible tokens (NFTs) are digital assets that provide unique ownership and authenticity of digital media such as art, music, and collectibles. NFT Marketplace is a blockchain-based platform that enables the creation, trading, and collecting of NFTs. The platform leverages blockchain technology to ensure the authenticity and ownership of NFTs, providing a secure and transparent way to transact digital assets. In this major project report, we explore the NFT Marketplace and its underlying blockchain technology. We provide an overview of the platform's features, including the ability to tokenize any digital asset, create customizable smart contracts, and sell NFTs with low fees and instant trades. We also discuss the advantages and disadvantages of the platform, including its ease of use, potential for fraud, and scalability challenges. The Non-Fungible Tokens (NFTs) have revolutionized the digital realm, redefining the concept of ownership and trade of unique digital assets. NFTs represent one-of-a-kind tokens, each verifiably and indelibly linked to a specific digital or physical asset, encompassing diverse forms of content, including video, audio, and images. These unique tokens have paved the way for creators to monetize their digital creations while providing collectors with an innovative means to invest, trade, and showcase their multimedia NFT collections. Central to the NFT ecosystem are NFT marketplaces, digital platforms designed to facilitate the creation, sale, and management of NFTs in various multimedia formats. These marketplaces have proliferated, providing creators with the means to mint NFTs, buyers with the opportunity to acquire them, and collectors with platforms to curate and trade their diverse NFT portfolios.

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NFTs, NFT Marketplaces, Blockchain, Security, Ownership, Value, Digital Assets, Smart Contracts, ERC721, Opensea, Solana, Cardano, IPFS.

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 Abstract

Road safety is greatly threatened by distracted driving, which has been linked to multiple collisions and fatalities. To tackle this problem, we provide a unique Convolutional Neural Network (CNN) based technique for identifying distracted drivers. The CNN model efficiently recognizes and categorizes distractions by automatically extracting pertinent information from photos. We assess the model's performance using extensive testing and cross-validation on a large dataset, showing it has high degree of accuracy in identifying and classifying distractions.

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Feature extraction, data augmentation, transfer learning, and convolutional neural networks (CNNs), Metrics, categorization of driver distraction, Diversity in training datasets tweaking of hyperparameters, Model assessment, analytics dashboards, footage from in-car cameras, Analysis of driver behavior.

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Addressing global concerns regarding energy consumption and environmental sustainability, this review paper delves into the pivotal role of biomass and lignocellulosic residues as sustainable energy sources. The composition of these materials, rich in cellulose, hemicellulose, lignin, and extractables, presents significant potential for energy production. Thermal degradation process like pyrolysis, conducted in the absence of air or oxygen, hold promise for converting biomass into valuable chemical substances, including hydrogen gas (H2). Utilizing thermogravimetric analysis (TGA) allows for the assessment of degradation and mass conversion processes, facilitating the evaluation of kinetic characteristics crucial for forecasting biomass behavior during pyrolysis. For the kinetic parameters of biomass Kissinger, Ozawa-Flynn-Wall (OFW), Kissinger-Akahira-Sunose (KAS) and Coats Redfern methods are considered. This review synthesizes findings from numerous experiments employing pyrolysis and thermogravimetric techniques across over more than fifty biomass types, examining their activation energies and higher heating values as well as proximate and ultimate composition. This review underscores the importance of leveraging diverse biomass sources for thermal and energy generation, providing valuable insights for future research and application in the pursuit of environmentally friendly energy solutions.

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TGA, Kinetic analysis, KAS, OFW, Coats Redfern

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In this study, the marketing strategies of two leading players in the online food delivery industry were evaluated : Swiggy and Zomato . These platforms are navigating a competitive and rapidly evolving environment . It is necessary to understand their unique approaches to customer engagement, brand building, and market expansion.The abstract provides a short overview of the research, emphasizing that user experience, loyalty programs, partnerships, and advertising campaigns are the main points of focus. In the online food delivery industry, the marketing strategies employed by Zomato and Swiggy have been successful, which is evidenced by their continued growth. In order to maintain their market leadership and ensure their continued success, these companies will need to generate innovative ideas . In the end, this study contributes to a greater understanding of the techniques these platforms use to capture and maintain a growing customer base in the fast-paced world of online food delivery.

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KEYWORDS : Marketing Strategies , Swiggy , Zomato, Online food delivery

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This exploration paper investigates the transformative part of technology in extending the reach and impact of banking yojanas( schemes) initiated by the Government of India. By employing a case study approach, the paper examines prominent yojanas similar as Pradhan Mantri Jan Dhan Yojana( PMJDY), Pradhan Mantri Mudra Yojana( PMMY), and Direct Benefit Transfer( DBT) scheme, expounding the integration of technology- driven results in their perpetration. Through a review of literature, policy documents, and empirical data, the paper analyzes the relinquishment of digital banking structure, biometric authentication systems, mobile operations, and Aadhaar- enabled payment systems (AEPS) to enhance availability, effectiveness, and translucency in service delivery. Likewise, it explores the impact of these technological interventions on expanding fiscal addition, reducing leakages, and promoting socio- profitable commission among marginalized populations. The paper also discusses challenges similar as cybersecurity pitfalls, digital peak, and sequestration enterprises associated with the digitization of banking yojanas, proposing strategies for mollifying these challenges and maximizing the benefits of technology- enabled fiscal addition.

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Banking Yojanas, Financial Access, Financial knowledge.

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Abstract: Non-renewable energy comes from sources that will run out or will not be replenished in our lifetime or even in many lifetimes. Most of the non-renewable energy sources are fossil fuels, which influence the environment greatly and contribute to harmful global warming and climate change. Renewable energy is energy produced from sources that do not deplete or can be replenished or refilled within a human's life time. The most common examples of renewable energy sources include wind, solar, geothermal, biomass, and hydropower. Renewable energy is sustainable as it originates from sources that are inexhaustible (unlike fossil fuels). The aim of this study is to harness and store solar energy through natural dye Curcumin-Fructose-Brij-35 photogalvanic cell system. This cell based on photo-sensitizer natural dye Curcumin, surfactant Brij-35, reductant Fructose in alkaline medium has shown encouraging and very impressive improvement in solar energy conversion and storage. This combination of chemicals has shown harnessing of 120.50 ?W maximum powers with a storage capacity of 100 min as half change time from the 10.4 mWcm-2 artificial and low illumination intensity. In this study, the observed optimum cell performance in terms of the photopotential, maximum photocurrent, and short-circuit current is 918 mV, 824 ?A, and 784 ?A, respectively.

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Curcumin, fructose, Brij-35, maximum photocurrent, photopotential, fill factor, power point, and conversion efficiency.

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This study mainly focuses on investor attitude and preference for Tax-Saving Mutual Funds. The study's goal is to better understand the elements that influence investors' preference in this area as well as to provide better insights about Tax-Saving investments. In this study, the purposive sampling is used to collect 353 respondents and the following analysis was made, Reliability analysis, percentage analysis, Chi-Square, ANOVA, Correlation and Regression analysis. Investor attitude and preference can be examined by the demographic factors, tolerance level of risk, investment duration, returns, lock in period and tax benefits with means of blending qualitative and quantitative analysis. This research contributes to greater understanding of the investor's preference and attitude.

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ELSS Mutual Funds, Tax-Saving investments, Investment Horizon

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Live biometric systems should be used since the reliance on inadequate security procedures and approaches an ever- increasing number of assaults on authentication systems. That are recognized source of reliable authentication. Systems for password- based authentication are widely used and have many advantages. They must, however, be committed to memory vulnerable to dictionary, password guessing, and password resetting assaults from malicious parties. An alternative are biometric-based authentication methods, which don't require user memorization and difficult to replicate since they require the end users' physical presence. However, because there are more attacks every day, an attacker can trick the system by making a false or previously. Using a web interface to analyze a user's facial traits, web-based facial authentication provides a safe way to confirm that person's identification. By utilizing the camera on a device, it takes pictures of faces, examines distinctive features, and then compares it with previously saved information to authorize access or verify a user. Convenience and security are combined with this technology to provide a seamless online service access experience that prioritizes user privacy and data protection.

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identification, protection, authentication, vulnerable, technology

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In India's energy industry, the widespread use of edge computing-powered image processing-based billing devices offers a revolutionary way to overcome the drawbacks of manual billing procedures. Compared to manual billing procedures, this solution has several advantages: it is more accurate, has less errors, and is less vulnerable to fraud and manipulation. By incorporating image processing technology and character recognition technology (OCR) into billing devices, the danger of human error is minimized, and proper billing calculations are secured by automatic and precise data extraction from power meter readings. Advanced picture processing and meter variety are significant infrastructure trade-off considerations. Further study will focus on Data Privacy, Advanced Image Processing and Recognition, and a novel dimensional method for edge-based image processing-based billing devices. Leveraging edge computing capabilities reduces the need for manual intervention by facilitating real-time data processing and analysis, which approves for instantaneous invoice creation.

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-- Image processing, Edge computing, Minimized susceptibility, Automated data extraction, data processing and analysis.

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Tomato sorting is one of the key elements to implement in order to improve tomato quality. At the moment, many sorting systems are done by hand, which can be time-consuming and problematic. By classifying tomato anecdotage using a Convolutional Neural Network (CNN) system, one sorting scheme may be imposed. The classification of tomato anecdotes based just on their color is the ultimate goal of this investigation. Three color positions are distinguished: green for raw tomatoes, turning for half-ripe tomatoes, and red for ripe tomatoes. In order to conduct this investigation, the following research methods were used: CNN model, training data, data pre-processing, and image preservation. 1148 photos were utilized in this investigation. The photographs were captured manually in an outdoor setting using a smartphone camera. CNN model was constructed using these photos. The investigation's findings demonstrate that ten tomato photos were tested, yielding raw tomatoes that scored nearly 90, ripe tomatoes that scored nearly 90, and half-ripe tomatoes that scored slightly under 80. CNN can be an effective choice for image bracket jobs based on the results.

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CNN model, Classification, Tomato Ripeness, Image Processing.

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Industrial production procedures for pharmaceutical product development require a high level of expertise and control to prove that the end product will be of the requisite quality. Usually, a lot of information is acquired throughout the process however, in order to make use of the data, the information that is contained must be extracted using the appropriate statistical tools. Large quantities, varied sample rates, process noise, and non-linear connections are some of the difficulties encountered by industrial process data. To understand the effects of multidimensional and interactions of input parameters on the output responses of pharmaceutical goods and analytical methodologies, design of experiments (DoE) have been employed extensively. SPSS, STATA, Minitab, Graph pad Prism are some of the popular programs for statistical analysis. EXCEL and other spreadsheet programs are user-friendly and excellent for entering, coding and storing survey data. Larger-scale manufacturing problems might occasionally occur, and statistical optimization could provide solutions. Furthermore, it is applied in medical research to increase efficiency and precision. This article includes theoretical and practical approaches for using Design of Experiments (DoE), Minitab, IBM SPSS, Graphpad Prism in the pharmaceutical industry.

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Statistical Tools, Minitab, IBM SPSS, Graphpad Prism, Design of Experiments (DOE)

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This study investigates key aspects of optimization of inventory management in the logistics and supply chain industry, aiming to enhance customer satisfaction, analyze the contribution of inventory management optimization to risk mitigation in the supply chain, and check the impact of improved inventory management optimization on sustainability in the logistics and Supply chain industry. Through comprehensive analysis and research, various strategies and practices are examined like cross-tabulation to optimization of inventory management. The study explores factors such as inventory, risks, customer satisfaction, technology benefits, and much more. Additionally, it investigates the impact of automation, demand forecasting, etc. By identifying best practices and various solutions, this research gives appreciated perception concerning policymakers & professionals seeking to better inventory management, customer satisfaction, risk mitigation, and checking the impact of improved inventory governance in today's market environment.

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3242 words

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Creative Commons Attribution 4.0 and The Open Definition