Volume 14 | Issue 8

 Abstract

Objective: The concept of slow learners and their characteristics, their problem, health conditions, social economic problem and also how to make these slow learners as high achieves is the objection of research work. Method: Counseling plays a very important role in education slow learners. So the teacher must act as a guide and counselor. So the research felt there is need to counseling the slow learners and this can be mostly by the teachers. So the researches wants to know how far counseling help in educating the students in class room. For the present study the researcher has taken experimental method and also case study method because counseling can be given effectively for individual rather than a group. Results: This study is limited to know the effect of counseling in reducing anxiety level in few cases of 10th class students in Krishna District Schools and selected 20 students in one section consisting of 40 students and conducted anxiety test. After thorough analysis 2 cases are selected with high academic anxiety level at tenth class level. The preliminary form of the academic anxiety scale for children had 30 items. Conclusion: Slow learners are one of category of children belongs are exceptional children. There so many individual differences in the classroom. Mostly in every class there are at least 5 to 10 members of slow learners are there. If we make the development activities to slow learners, then every child becomes happy.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Slow Learners, Academic Anxiety, Counseling, Education.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Controlled-release matrix tablets remain the dominant oral platform for antihypertensive drug delivery, favored for manufacturing simplicity and scalability over reservoir, osmotic, and multiparticulate alternatives. Formulation development, however, has largely proceeded one variable at a time, leaving the field without a cross-class understanding of how polymer, process, and drug-specific variables interact. This review argues that antihypertensive matrix tablet performance is governed by the interaction of critical material attributes (CMAs) and critical process parameters (CPPs) rather than any single variable, and develops a Quality by Design (QbD) framework CMAs, CPPs, and critical quality attributes (CQAs) assessed jointly as a more rational formulation basis. Evidence spanning calcium channel blockers, beta-blockers, an ACE inhibitor, and an ARB shows drug class does not reliably predict formulation strategy: solubility, not pharmacological category, governs polymer selection, while chemical stability (captopril) or manufacturing route (carvedilol) can dominate over release-rate concerns. A single polymer such as HPMC shifts its dominant release mechanism depending on the drug and co-excipients involved, and ethanol co-ingestion can suppress rather than dump a formulation's release (hydrochlorothiazide), underscoring that robustness requires verification beyond standard dissolution testing. Flattening drug exposure and timing it to the morning blood pressure surge emerge as distinct, sometimes competing, clinical objectives. These findings support treating antihypertensive matrix tablet design as a systems-level, interaction-aware problem, offering formulation scientists a structured framework to anticipate rather than discover such interactions after the fact

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Controlled-release matrix tablets; antihypertensive drugs; Quality by Design; critical material attributes; polymer-drug interactions

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The rapid utilization of tools related to Artificial Intelligence (AI) like ChatGPT has transformed the methods by which individuals receive, retain, and recall information. Even though ChatGPT can aid the learning process by generating answers with proper explanations rapidly, saving their time by easy access to information, and providing personalized tutoring to them, frequent use and overreliance on ChatGPT may affect cognitive processes, especially related to memory. This article explores the effects of interaction with ChatGPT on memory, with a focus on how individuals interact with ChatGPT to seek assistance and how it affects their memory abilities.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Artificial Intelligence (AI); ChatGPT; Chatbot; Interaction; Memory; Effects.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

In the Bible, Sensuality is usually listed with other evils that sexual promiscuity and perversion. Also known as lewdness. Sensuality can be defined as devotion to gratifying bodily appetites; free indulgence in casual pleasures. The word sensuality comes from the root word sense, which pertains to our five senses. Sensuality is a total devotion to the gratification of the senses to the exclusion of soul and spirit. Spiritualism is a philosophic doctrine, opposing materialism that claims transcendency of the divine being, the altogether spiritual is character of reality and the value of inwardness of consciousness.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Sensuality, Spirituality, Celibacy

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) has emerged as a cornerstone of rural livelihood security in India, with Kerala often cited as a relatively successful case in terms of implementation and participation. However, the effectiveness of the programme can-not be fully understood without examining the perceptions of its primary stakeholders--the benefi-ciaries themselves. This study analyses beneficiaries' perceptions of the effects of MGNREGS in Ker-ala, with a specific focus on regional variations across districts. Using primary data collected from MGNREGS beneficiaries across different regions of the state and supported by secondary sources, the study evaluates perceived impacts on income security, employment stability, household consump-tion, women's empowerment, and overall socio-economic well-being. The findings reveal significant regional disparities in beneficiaries' experiences and satisfaction levels, influenced by factors such as administrative efficiency, availability of work, wage payment systems, and local governance struc-tures. While MGNREGS has contributed positively to livelihood security and social inclusion in most regions, gaps persist in terms of timely wage payments, adequacy of workdays, and quality of assets created. The study highlights the importance of region-specific policy interventions and strengthened local institutions to enhance the effectiveness of MGNREGS in Kerala.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

MGNREGS, Beneficiaries' Perception, Regional Disparities, Rural Employment, Livelihood Secu-rity.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Oral cancers are dreadful, deadly and merciless disease, if left leads to death. Oral cancers can appear as a growth or sore in anywhere of the mouth that does not cure. It includes any malignant neoplasm which is found on the lip, floor of the mouth, cheek lining, gingiva, palate or in the tongue. Around world one third of oral cancer cases are present in India. Oral cancers are one among the top three types of cancers in India. It is one of the major public health problems in India

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Prevalence, risk cases, oral cancer, small group teaching programme

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Nano zeolite is a nanoscale aluminosilicate material with a high surface area, a porous structure, a high ion exchange capacity, and surface reactivity. Because of these properties it has attracted growing interest in the fields of construction, soil stabilization, asphalt mixtures, geopolymer systems and environmental applications. The present review looks at the literature concerning the evaluation of nano zeolite's project performance, with a special focus on its mechanical performance, durability, environmental sustainability, life cycle assessment (LCA), life cycle cost and cost-benefit considerations. The studies reviewed show that both zeolite and nano zeolite are able to increase strength and promote densification in certain construction applications and can in part substitute conventional cementitious or filler materials. For instance, recent studies have found that the performance of cement-zeolite sand can be improved within certain optimal replacement ranges and that there is a significant increase in strength in soft soils treated with nano-zeolite and with municipal solid waste incineration ash. A recent study on asphalt also found that a 50% substitution of cement filler with nano-zeolite represented the best level for Marshall performance under the laboratory conditions stated. At the same time, studies based on life cycle assessment indicate that the environmental benefits are highly dependent on material production, energy consumption, the use of alkali, transportation, the replacement ratio and the definition of the system boundaries. The literature makes it clear that there is a need for an integrated project-level evaluation that combines technical performance, life cycle assessment and economic analysis rather than looking at these aspects separately. The review thus suggests an integrated framework for assessing nano zeolite in comparison with conventional stabilizers such as cement and lime by means of performance indicators, environmental impact categories and cost-benefit indicators.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

NANO ZEOLITE; SOIL STABILIZATION; SUSTAINABLE CONSTRUCTION; LIFE CYCLE ASSESSMENT; COST-BENEFIT ANALYSIS; PROJECT PERFORMANCE; CEMENT REPLACEMENT; ASPHALT FIL

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This study looks at the mechanism behind how incivility toward employees may lead to counterproductive work behaviors (CWBs) and how perceived organizational support (POS) may moderate this relationship, specifically between customer incivility and perceived work incivility, and customer incivility and employee CWBs. Customer incivility, defined as rudeness or disrespectful behavior from customers, is a significant workplace stressor that can lead to emotional depletion and reduced employee performance. Drawing on the previous research on emotional exhaustion, we propose that emotional exhaustion will be a mediator between customer incivility and CWB. Further, we suggest that the negative impact of emotional exhaustion on CWB is mediated by POS. The survey data of employees in customer-facing jobs are analyzed with PLS-SEM (Partial Least Squares Structural Equation Modeling) and the findings suggest that the relationship between customer incivility and CWB is significantly mediated by emotional exhaustion. Further, the results showed that organizational support (perceived) is a suppressor of the relation between emotional exhaustion and CWB, meaning that there is a less negative impact of emotional exhaustion on CWB when it is perceived high. The study adds to the knowledge about the psychological and organizational factors underlying customer-business deviance and provides suggestions for organizations that wish to reduce the impact of customer-caused deviance on their organizations by providing support and stress management programs. Drawing on the previous research on emotional exhaustion, we propose that emotional exhaustion will be a mediator between customer incivility and CWB. Further, we suggest that the negative impact of emotional exhaustion on CWB is mediated by POS. The survey data of employees in customer-facing jobs are analyzed with PLS-SEM (Partial Least Squares Structural Equation Modeling) and the findings suggest that the relationship between customer incivility and CWB is significantly mediated by emotional exhaustion. Further, the results showed that organizational support (perceived) is a suppressor of the relation between emotional exhaustion and CWB, meaning that there is a less negative impact of emotional exhaustion on CWB when it is perceived high. The study adds to the knowledge about the psychological and organizational factors underlying customer-business deviance and provides suggestions for organizations that wish to reduce the impact of customer-caused deviance on their organizations by providing support and stress management programs.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Incivility, counterproductive behavior, Perceived Organizational Support, PLS-SEM.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Beach plastic pollution has become a significant environmental problem that is causing serious problems for the marine environment. It is important to monitor and classify beach plastic pollution because this will help in cleanup processes and environmental management. In this research paper, we propose a model that uses artificial intelligence techniques based on convolutional neural networks (CNNs) in order to classify beach plastic. The CNN is used as the base algorithm of the model while transfer learning EffcientNetB0 technology is utilized. The results indicate that the proposed transfer learning-based model achieves reliable classification performance and can serve as a practical tool for automated beach monitoring systems. This work highlights the potential of deep learning techniques in addressing environmental challenges and contributes toward the development of intelligent solutions for sustainable coastal management.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Beach Waste Detection, Transfer Learning, AI solutions, Plastic detection, Convolution neural networks.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Genotoxins are agents/carriers such as chemical or radiation that can cause the damage to DNA or chromosomal structure, thereby causing mutations and the process are called as genotoxicity. Identification and understanding of genotoxins at a primary stage of drug development would enable us to prevent the potential damage that can be caused by these genotoxic agents. Various regulatory agencies such as International Council for Harmonization and EMEA, USFDA, European Pharmacopeia guidance, guidance for oncology products provide guidelines to limits the level of impurities in drug substances and drug products. Nowadays, conventional protocol of isolation, various spectral analysis high-performance liquid chromatography (LC), Fourier transform infrared to on-line analysis using modern, sophisticated hyphenated tools, like gas chromatography-mass spectroscopy, LC-MS so on, as well as modern software based in silico drug designs are extensively used *9+633... by industry, research, and development areas and also there is tremendous increase in publications in the literature involving their use. Our review article focused on the various regulatory guidelines, application of hyphenated tools, and in silico techniques in genotoxic impurity and degradation product profiling of small molecules. A brief explanation is made on possible pitfalls in the experimentation and data interpretation. From this review, it concluded that there are various countries having their own regulatory agencies and regulatory guidelines for drug approvals, which may be followed by applying new chemical entities the new drug application title (NDA) in new drug application as well as there are various conventional to modern software based on techniques to quantification of genotoxic impurities.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Genotoxic impurities (GTIs), Regulatory guidelines, Drug substances, Analytical techniques, Safety, and quality assurance.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

ABSTRACT Background: Alcohol abuse is a major public health concern affecting individuals, families, communities, and healthcare systems worldwide. Harmful alcohol consumption is associated with numerous physical, psychological, social, and economic consequences, including liver disease, cardiovascular disorders, cancers, injuries, mental health problems, interpersonal difficulties, poor academic and occupational performance, and alcohol dependence. Aim: To evaluate the effectiveness of a structured teaching programme on knowledge regarding alcohol abuse relapse prevention strategies for maintaining sobriety among first-year B.Sc. Nursing students. Methods and Materials: A quantitative research approach with a pre-experimental, one-group pre-test and post-test design was used. The study was conducted at a selected college in Indore. Using a non-probability purposive sampling technique, 94 first-year B.Sc. Nursing students were selected. A self-structured questionnaire was used to assess demographic characteristics and knowledge regarding alcohol abuse relapse prevention strategies for maintaining sobriety. The pre-test knowledge assessment was conducted on Day 1, followed by the administration of a structured teaching programme on alcohol abuse relapse prevention strategies for maintaining sobriety. A post-test was conducted on the seventh day after the intervention. Data were analysed using descriptive and inferential statistics. Results: In the pre-test, the majority of students had poor knowledge. Of the 94 students, 68 (72.34%) had poor knowledge scores, 11 (11.70%) had average knowledge, 10 (10.64%) had good knowledge, and only 5 (5.32%) had excellent knowledge. A marked improvement in knowledge was observed in the post-test. None of the students (0%) remained in the poor knowledge category. Only 3 (3.19%) students had average knowledge, while 18 (19.15%) had good knowledge and 73 (77.66%) achieved excellent knowledge. The mean pre-test knowledge score was 12.01, which increased to 32.74 in the post-test, with a mean difference of 20.73. The paired t-test showed a calculated t value of -27.55 with 93 degrees of freedom, which was statistically significant at the 0.05 level of significance. The intervention was effective in improving the students' knowledge; hence, the research hypothesis (H?) was accepted. A statistically significant association was found between pre-test knowledge scores and age, religion, number of family members, parents' educational status, parents' occupation, monthly family income, source of information regarding alcohol abuse, and participation in an educational programme on alcohol abuse prevention at the 0.05 level of significance. Conclusion: The findings of the study revealed that the structured teaching programme on alcohol abuse relapse prevention strategies for maintaining sobriety was effective in improving the knowledge of first-year B.Sc. Nursing students.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Structured teaching programme; knowledge; alcohol abuse; relapse prevention; sobriety; first-year B.Sc. Nursing students.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Abstract: The present study examined parental perceptions of parenting styles and their observed relationship with child developmental outcomes. The study focused on four parenting-style dimensions--authoritative, authoritarian, permissive, and uninvolved parenting--and three observed child-development domains--emotional regulation, social competence, and academic behaviour. Data were obtained from 96 parent responses recorded in the study questionnaire. Item-level responses were scored on a five-point response scale and composite mean scores were calculated for each parenting-style and developmental domain. Descriptive statistics, Cronbach's alpha reliability analysis, Spearman's rank-order correlation, and multiple linear regression were used to analyse the data. Authoritative parenting had the highest mean score and was the predominant parenting-style classification in the sample. It was significantly positively associated with emotional regulation and social competence, whereas its association with academic behaviour was not statistically significant. Authoritarian parenting showed no significant bivariate associations with the three developmental domains, although it emerged as a significant predictor in the multiple regression model. Permissive and uninvolved parenting showed significant negative associations with social competence. The regression model explained 25.5% of the variance in overall child-development scores. Index Terms--parenting styles, authoritative parenting, authoritarian parenting, permissive parenting, uninvolved parenting, emotional regulation, social competence, academic behaviour, child development.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Parenting styles, authoritative parenting, authoritarian parenting, permissive parenting, uninvolved parenting, emotional regulation, social competence, academic behaviour, child development.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The rapid proliferation of digital financial services raises the concept of digital financial literacy for making wise financial decisions. The review presents an analysis of the current state of knowledge about DFL and explores its recent behavioural and psychological aspects, including digital financial inclusion, impulsivity, cyber hygiene and locus of control. A systematic literature review was conducted using studies from reputable journals and academic databases. In total, 80 studies were reviewed according to their relevance in the field. The review entails studies from different geographical areas that used a variety of methodologies, such as structural equation modelling, confirmatory factor analysis and regression analysis. The findings highlight that digital financial literacy is a multidimensional concept, including components like knowledge, skills, confidence, awareness and management of digital financial skills. Moreover, the review reveals that digital financial literacy is a significant driver of digital financial inclusion, fostering responsible financial behaviour, and promoting financial well-being. Psychological and behavioural factors like impulsivity and locus of control, as well as cybersecurity practices, which can be measured through cyber hygiene, have become an important dimension in the study of individuals' digital financial behaviour. Yet, there has been relatively little research into this issue from this perspective, and there remains much ambiguity concerning DFL in general.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Digital financial literacy, literature review, impulsivity, locus of control, cyber hygiene, digital financial inclusion

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Keywords: Mesalamine, Natural Deep Eutectic Solvents, NADES, solubility enhancement, citric acid, tartaric acid, glycerine, UV-Visible spectrophotometry.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

IndexTerms - Digital Marketing, Social Media Addiction, Compulsive Buying Behaviour, College Students, Mental Health, Digital Wellbeing, Social Work Perspective.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Information and Communication Technology (ICT) is pivotal for enhancing academic library services in the 21st century. This study examines the strategic ICT framework of engineering college libraries in Karnataka, India, focusing on infrastructure, skill levels, usage patterns, training, challenges, and policy implications. Data were collected from 80 LIS professionals through structured questionnaires and analyzed using descriptive statistics. The findings reveal strong engagement with library management systems and digital resources, yet gaps persist in advanced analytics, digital repository management, and emerging ICT adoption. Key challenges include limited budget allocation, insufficient technical support, and a lack of structured ICT policies. The study provides actionable recommendations for policymakers and library administrators to develop a robust ICT framework that enhances service quality and research support.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

ICT framework, academic libraries, Karnataka, engineering colleges, library policy, digital resources, LIS professionals

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

वैदिक गणित भारतीय गणितीय परंपरा और समकालीन गणित-शिक्षण के मध्य एक महत्वपूर्ण सेतु के रूप में उभरने वाली गणना-पद्धतियों का एक समूह है। आधुनिक संदर्भ में “वैदिक गणित” मुख्यतः जगद्गुरु भारती कृष्ण तीर्थ द्वारा प्रतिपादित सोलह सूत्रों तथा उनसे संबद्ध उपसूत्रों पर आधारित मानसिक एवं त्वरित गणना की पद्धति के रूप में जाना जाता है। उनकी पुस्तक Vedic Mathematics, or Sixteen Simple Mathematical Formulae from the Vedas का प्रथम प्रकाशन 1965 में हुआ था और यह पुस्तक उनके निधन के पश्चात प्रकाशित हुई। पुस्तक में अंकगणित, बीजगणित, गुणन, भाग, वर्ग, वर्गमूल, समीकरण तथा अन्य गणनात्मक प्रक्रियाओं के लिए वैकल्पिक विधियाँ प्रस्तुत की गई हैं। वर्तमान लेख का उद्देश्य वैदिक गणित की ऐतिहासिक पृष्ठभूमि, प्रमुख सूत्रों की प्रकृति, इसकी गणनात्मक विशेषताओं तथा गणित-शिक्षा में इसकी संभावित उपयोगिता का विश्लेषण करना है। लेख में ऐतिहासिक दावों के संबंध में आलोचनात्मक दृष्टिकोण अपनाया गया है, क्योंकि उपलब्ध ऐतिहासिक साहित्य में इस बात पर पर्याप्त विवाद है कि भारती कृष्ण तीर्थ द्वारा प्रतिपादित सूत्र वास्तव में प्राचीन वैदिक ग्रंथों में पाए जाते हैं या आधुनिक काल में वैदिक परंपरा से प्रेरित होकर पुनर्निर्मित किए गए हैं। K. Chandra Hari तथा S. G. Dani के आलोचनात्मक अध्ययनों से संकेत मिलता है कि “वैदिक” शब्द के प्रयोग और इन सूत्रों के वास्तविक ऐतिहासिक स्रोत के बीच स्पष्ट अंतर किया जाना चाहिए। शैक्षिक दृष्टि से उपलब्ध हालिया अध्ययनों से संकेत मिलता है कि वैदिक गणित की कुछ विधियाँ गणना की गति, सटीकता, मानसिक गणना तथा विद्यार्थियों की गणितीय संलग्नता में उपयोगी हो सकती हैं। तथापि, इसे पारंपरिक गणितीय अवधारणात्मक शिक्षण के स्थानापन्न के रूप में नहीं बल्कि एक पूरक pedagogical approach के रूप में देखना अधिक उपयुक्त है। लेख निष्कर्ष प्रस्तुत करता है कि वैदिक गणित को भारतीय ज्ञान परंपरा के संदर्भ में पढ़ाते समय ऐतिहासिक प्रामाणिकता, गणितीय वैधता और शैक्षिक उपयोगिता—तीनों को अलग-अलग आयामों के रूप में समझना आवश्यक है।

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

वैदिक गणित, गणित शिक्षा, मानसिक गणना, गणितीय दक्षता, गणितीय सूत्र, भारतीय गणितीय परंपरा, भारतीय ज्ञान प्रणाली

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Gita Darshan Ka Tatvik Vivechan Evam Shiksha

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Gita Darshan Ka Tatvik Vivechan Evam Shiksha

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The rapid expansion of digital financial services (DFS) has transformed the way consumers access, use and manage financial products and services. Digital payments, mobile banking, digital lending, electronic wallets, online investment platforms, Insure Tech and artificial-intelligence-enabled financial services have improved convenience, accessibility and financial inclusion. However, the increasing digitalisation of finance has simultaneously generated new and intensified risks for consumers. These include cyber fraud, phishing, identity theft, data privacy violations, algorithmic bias, inadequate disclosure, digital exclusion, inappropriate products, over-indebtedness and weaknesses in grievance redressal. This study presents a systematic literature review of research on digital financial services and consumer protection, focusing particularly on emerging risks, regulatory responses and future research priorities. The review adopts a PRISMA-oriented approach to identify, screen, assess and synthesise relevant academic and policy literature. The literature indicates that consumer protection in digital finance is increasingly moving beyond traditional concerns of transparency and fair treatment towards issues of data governance, algorithmic accountability, cybersecurity, responsible digital lending and technology-enabled fraud. Recent international evidence also indicates that financial scams and fraud, consumer debt, digital exclusion and opaque algorithmic decision-making are among the major emerging concerns. The review further finds that regulatory frameworks are evolving through enhanced disclosure, responsible lending requirements, data protection, cybersecurity measures, regulatory sandboxes, market-conduct supervision and digital financial literacy initiatives. The study proposes an integrated conceptual framework linking digital financial innovation, emerging consumer risks, regulatory responses and consumer financial well-being. It concludes by identifying future research opportunities relating to artificial intelligence, generative AI-enabled fraud, digital lending, consumer data governance, vulnerable consumers and cross-country regulatory effectiveness.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Digital Financial Services; Consumer Protection; FinTech; Digital Finance; Financial Inclusion; Cybersecurity; Data Privacy; Digital Lending; Financial Regulation; Systematic Literature Review.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Pressure ulcer, Pain, Injury, Wound healing,decubitus ulcer, Necrotic pressure ulcer, Tissue- repair

  License

Creative Commons Attribution 4.0 and The Open Definition