Volume 12 | Issue 10

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A STUDY ON ROLE OF SEARCH EGINE OPTIMIZATION IN SHAPING CUSTOMER DEMAND AND CUSTOMER RETENTION IN E-COMMERCE DOMIAN

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The growth of the digital finance (fintech) sector in Indonesia has generated significant demand and potential, which local fintech startups are addressing through a variety of innovative services. The roles of providers and stakeholders in achieving market acceptance are crucial, yet their contributions within the fintech ecosystem are not systematically documented. This paper aims to explore the roles of these providers and stakeholders in promoting the use of digital payment services, focusing on their behaviors and contributions to the development of the digital payment landscape. This research relies on library studies, compiling previous research on fintech models, particularly in the context of electronic wallets (e-wallets). Our literature review reveals that the Indonesian payment services market offers substantial opportunities, especially for non-cash payment systems like e-wallets. Additionally, demographic and economic factors have accelerated this transformation. Indonesia has witnessed a significant rise in cashless payment methods, suggesting that local fintech companies have even greater opportunities to expand through alternative payment platforms.

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payments, innovation, FinTech, customer-driven transformation, digital and mobile commerce, financial services

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This study examines the development of financial markets, highlighting their essential role in resource allocation, capital formation, and risk management. It traces the historical evolution of financial markets from early trade systems to modern exchanges, emphasizing key milestones such as the establishment of international financial institutions and the advent of electronic trading. The paper categorizes current financial markets into equity, debt, derivatives, and foreign exchange markets, noting recent trends like digital transformation, sustainable finance, and regulatory changes. Challenges such as market volatility, cybersecurity threats, and compliance complexities are discussed, alongside growth opportunities in emerging markets, technological innovations, and financial inclusion. Ultimately, this study underscores the dynamic nature of financial markets and their potential to drive economic growth in an increasingly digital and interconnected world.

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Financial Markets, Capital Formation, Digital Transformation, Market Volatility

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The Indian banking sector is making significant efforts to promote digital payments, gaining momentum following demonetization and the Digital India initiatives. To enhance digital payment services, the National Payment Corporation of India (NPCI) introduced the Unified Payment Interface (UPI), a groundbreaking and cost-effective solution. The widespread adoption of smartphones, technological advancements, and improved internet connectivity have all contributed to the growing use of mobile payment options among smartphone users, financial institutions, and banks. UPI presents a promising method for fund transfers through a virtual payment address created by NPCI, playing a crucial role in moving towards a paperless and cashless economy. Therefore, it is essential to evaluate UPI's potential to contribute to the development of a digital economy. This paper mainly focus the future of payment systems in India.

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NPCI, UPI's, digital economy, Information and Communication Technology, virtual payment address

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This study explores effective strategies for adopting e-commerce within businesses, addressing the pressing need for organizations to adapt in an increasingly digital landscape. As digital transformation accelerates, companies face a myriad of challenges, including technological integration, market competition, and evolving consumer expectations. Successfully navigating these hurdles is essential for businesses looking to thrive in the digital economy.The paper provides a comprehensive overview of existing literature that highlights the significance of e-commerce in enhancing operational efficiency and reaching a wider customer base. By examining various scholarly works, this study synthesizes insights on the factors influencing e-commerce adoption, including organizational readiness, consumer behavior, and technological infrastructure.In addition to outlining key objectives, the paper presents targeted strategies designed to enhance e-commerce adoption across diverse industries. These strategies are grounded in best practices and draw upon real-world examples of successful e-commerce implementations. By identifying effective approaches to overcome common obstacles, this study aims to equip organizations with the knowledge and tools needed to leverage e-commerce effectively.Ultimately, the goal is to empower businesses to improve their market presence and customer engagement through the strategic adoption of e-commerce. As companies increasingly recognize the importance of a robust online presence, this research provides a roadmap for facilitating a smooth transition, ensuring that organizations can capitalize on the myriad opportunities presented by the digital marketplace.

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Adoption; E-commerce; Strategies

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Rapid advancements in financial technology have led to the adoption of new technologies, prompting research into how these innovations can enhance economic and social benefits. Blockchain technology, first introduced in 2008 alongside the rise of Bitcoin after the global financial crisis, has significantly impacted the finance and business sectors. Despite common misconceptions that blockchain and Bitcoin are the same, they are distinct concepts.This research paper will explore the definition of blockchain technology, along with its key advantages and disadvantages, and its role in modern financial systems. It will also examine why cryptocurrency miners, particularly those involved with Bitcoin, choose this technology. Blockchain operates based on three main principles: an open ledger, a distributed database, and mining. Its inherent advantages, including trust and high security, make it applicable in finance and business. Additionally, blockchain technology is a driving force behind the ongoing smart revolution, serving as a crucial tool for managing various aspects of everyday life by protecting transactions from fraud and ensuring the integrity of transaction execution.

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blockchain, blockchain technology, Bitcoin, cryptocurrency,

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Digital currency, a revolutionary financial instrument, is reshaping the way we perceive and interact with money. In the last decade, advancements in technology and the increasing demand for decentralized financial systems have paved the way for a new form of currency that is both digital and decentralized. From Bitcoin to Central Bank Digital Currencies (CBDCs), the evolution of digital currency has significant implications for global finance, consumer behavior, and economic policy. Digital currency represents a transformative financial instrument that is significantly altering our perception and interaction with money. As technology has advanced over the last decade, the demand for decentralized financial systems has surged, leading to the emergence of various forms of digital currency. This evolution encompasses a wide spectrum, from crypto currencies like Bitcoin to Central Bank Digital Currencies (CBDCs), each contributing to a redefined financial landscape. The rise of digital currency is closely linked to breakthroughs in technology, particularly blockchain. Blockchain technology offers a secure and transparent method for recording transactions, allowing for peer-to-peer interactions without the need for intermediaries. This innovation not only enhances security but also fosters trust among users. As a result, digital currencies can operate independently of traditional banking systems, appealing to those seeking /greater financial autonomy.

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Digital currency, Blockchain, financial autonomy, crypto currencies

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Financial technology, or fintech for short, is the application of technology to innovative financial services and solutions. The fintech sector uses technological innovations in blockchain, artificial intelligence, software, mobile apps, and other areas to improve and streamline a range of financial operations. India has been regarded as a major global hotspot for financial technology innovation throughout the past ten years. Governments, investors, and multinational corporations are interested in investing in this space and interacting with the ecosystem to create a Fintech-enabled India. Despite the global economic issues, India's digital payment industry has experienced exceptional growth, demonstrating the resilience and promise of its fintech-driven ecosystem.According to a recent report from Matrix Partners and Boston Consulting Group, as market demand grows based on financial inclusion, Indian fintechs are predicted to generate revenue to the tune of $190 billion by 2030. Building more inclusive and effective financial services and fostering economic development are made possible by the continuous digitization of financial services and money.The study endeavors to examine the key components of fintech, highlight its relevance, and explore the connection between financial technology and digital payments.

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Fintech, Financial Services, Digitization, Digital Payment

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Consumer perception about digital marketing is one of the emerging areas in Marketing. To learn how consumer perceive online purchasing environments. Following a comprehensive assessment of the literature on categorizations of online shopping environments, this research proposes and examines a gestalt model of consumer perceptions of online shopping environments. It examines the topical research advancements during the previous decade. The growing popularity of the Internet has prompted businesses to prioritize online marketing as a key strategy. The integration of information technology tools, especially internet and digital marketing, is a key factor in expanding marketing activities across sectors. This article examines customer perceptions of digital marketing, including their understanding of online purchasing platforms and their level of expertise, attitudes, and confidence while making purchases online. Understanding consumer perception and decision-making aspects is vital for digital marketing, given its fast expansion.

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perception, digital marketing, learn, decision-making

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A. ABSTRACT Entrepreneurship is a potent catalyst for economic growth, innovation, and individual empowerment, intertwining the realms of business dynamics and personal financial destinies. This research delves into the nexus between entrepreneurship and wealth building, recognising it as the core of economic prosperity. Beyond mere business management, entrepreneurship emerges as a multifaceted phenomenon, involving financial strategies, risk management, and innovative financial instruments. The study sheds light on essential financial elements contributing to entrepreneurial success by examining historical precedents and contemporary cases. In a dynamic financial landscape marked by uncertainties and opportunities, understanding how entrepreneurs leverage financial tools becomes paramount. The insights derived from this research offer valuable guidance to aspiring entrepreneurs, policymakers, and scholars, fostering economic growth and financial prosperity through entrepreneurial initiatives. As economies evolve, this study provides a compass for cultivating resilient, wealth-generating entrepreneurial enterprises in the ever-changing global business landscape.

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Entrepreneurship, Wealth Creation, Financial challenges

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Given that millennials make up the majority of the workforce, diversity and inclusion are two of the most important concerns facing the modern place. The terms "diversity" and "inclusion" which refer to the variety of unique people that make up a community and the circumstances that allow them to work together as equally valued members of the group, are closely related. Workplaces that prioritize diversity and inclusion programs are safer, happier, and more productive through statistical analysis. This explains diversity management, provides instances, and illustrates how it works in modern business environments. Diversity management's evolution in business practices and its advantages and disadvantages are examined. Finding practical solutions that fit an organization's size and working style is essential for integrating varied management and practice. The primary subjects of this study are the overview of diversity and inclusion and its evolution, which can be used as a guide for creating diversity management intervention programs. The concept and function of Diversity and Inclusion in the workplace are complicated in India, a nation with a diverse population in terms of languages and race. Public and private sectors have made deliberate efforts in recent years to support workplace diversity. Companies are investing in diversifying their talent pool through hiring and promoting more employees impact investors as a potential source of both financial and social returns, and corporations have sophisticated corporate social responsibility and environmental, social, and governance reporting initiatives that support employees. According to this study, the introduction of diversity, inclusion, and the increase in the socioeconomic diversity of the workforce at all private employment levels will not only have a positive impact on society overall but also make sound business sense.

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Diversity, Inclusion, Evolution, Timeline, workplace, management, business practice

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E-commerce has initiated new way of distribution channel and online shopping tendency to increase the needs and wants of customer. Due to change in information technology, e commerce is emerged and played in industry arena by the way of selling the product and services. Ecommerce is the trading the product and services using the network and internet tools. Technology supports the new initiative and attitude of customer buying behavior. Various studies have been initiated to understand the attitude and behavior of customer by using online shopping. They found that online shopping support towards ease accessibility, timeless, perceived risk, product features and attribute have more impact in buying intention.Through this article, we analyzed howconsumer acceptance of online shopping: Integrating trust and risk of this research study.

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Online Shopping, Trust and Risk

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E-banking is a generic term making use of electronically operated devices such as Computers, ATMs, etc., In addition, Internet, Telephone, Mobile electronic smart phones and other channels are also used for delivery of banking services and products. It allows customers to access banking services electronically such as withdrawal of amount, pay bills, transfer funds, view accounts or to obtain any banking information and advice. E-banking also facilitates new relationships with customers, regulatory authorities, suppliers and banking partners with digital-age tools.

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E-banking, Internet, Telephone, ATM, Services

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The healthcare industry is in perpetual talent acquisition difficulty, notably in hospital nurses' recruitment, retention, and advancement. This study examines the many aspects that influence talent acquisition methods and obstacles in the hospital nursing profession. The study uses a thorough research technique to investigate hospital recruiting procedures, retention initiatives, and career development programs. To comprehend and assess the primary factors influencing nurse talent acquisition in hospital settings. To assess the effectiveness of different hospital recruitment techniques. Identify and investigate the underlying causes of hospital challenges with nurse talent retention. Investigate and analyze the career development opportunities available to nursing professionals through hospitals. To develop and recommend strategies for hospitals to increase nursing staff talent acquisition, retention, and career development. To gather insights into the viewpoints of hospital administrators, nurse managers, and frontline nurses, the study technique incorporates both qualitative and quantitative methodologies, including interviews, questionnaires, and data analysis. The study also looks at how technology may help hospitals streamline personnel acquisition procedures and improve overall staff management. The study's findings provide useful insights into the healthcare sector by providing evidence-based suggestions for optimizing talent acquisition tactics for hospital nurses. Faced with challenges such as the global nursing shortage and rising demand for specialized healthcare services, this study aims to provide actionable recommendations for hospital administrators, policymakers, and nursing leaders to foster a resilient and satisfied nursing workforce in hospital settings.

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Talent Acquisition, Navigating Recruitment, Retention, Career Development

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Blockchain is an innovative technology that initially made its mark in the finance sector but is now expanding into various industries, including retail. In the retail supply chain, from manufacturers to store shelves, blockchain offers significant advantages such as increased transparency, reduced costs and risks, and enhanced retailer confidence, all of which contribute to stronger consumer trust and better business outcomes. As more enterprises seek to integrate blockchain into their systems to optimize supply chain performance, the retail sector--despite its recent modernization--still faces challenges in fully adopting this technology. This paper provides a straightforward introduction to blockchain technology and explores its potential for transforming business processes in the retail industry. It examines how companies can implement blockchain to enhance customer loyalty and streamline supply chain management. This study makes a valuable contribution to the existing literature by addressing the impact of blockchain on supply chain performance in the retail sector.

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Blockchain, Retail supply chain, Supply chain Management, Customer Loyalty and Smart Contracts.

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The need for cybersecurity solutions continues to rise in a more computerized environment, which is encouraging higher education students to study entrepreneurship. This study focuses on the challenges and opportunities faced by new student entrepreneurs in the cybersecurity industry. The study finds important problems such as restricted access to resources, poor mentorship, and the continuously shifting nature of cybersecurity threats. It also promotes the prospects for economic expansion and innovation that may result from student-led cybersecurity initiatives, especially when strong academic institutions, business alliances, and hands-on training courses back them. Following to the research, academic institutions may greatly promote students to follow entrepreneurial pathways in cybersecurity by improving their courses, creating networks of mentors, and developing environments for entrepreneurship. The main objective of this research is to give educators and regulators useful information so they can better help the coming generation of cybersecurity entrepreneurs and make sure they are prepared to take on new problems in the digital world.

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Cybersecurity, Entrepreneurship, Higher Education students, Curriculum Development

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Recently, crypto currencies and Bit coin have become the main topics of the financial industry. A crypto currency is a digital or virtual currency that uses cryptography for security. Crypto currency is difficult to counterfeit because of this security feature. Crypto currency's defining feature, and arguably its most endearing appeal, is its organic nature; it is not issued by any central authority, so it is theoretically immune to government interference or management. Crypto currencies have their advantages and disadvantages. The article covers various aspects of crypto currencies, starting with its early development, challenges and risks, opportunities, advantages and disadvantages, and its future. In addition, the post addressed issues related to the practical and technical function of crypto currencies. It was concluded that it is not easy to predict the future of crypto-currencies, as a lot needs to be done especially in the area of formal regulations. However, banks and other financial institutions should see and consider crypto currencies as an alternative for financial transactions in the future. Crypto currency has been widely adopted as an investment asset with the rise of many well-known crypto currency exchanges. Practitioners and enthusiasts have started promoting crypto currency as a means of payment in the sharing economy. This new trend has also gained attention in academia, especially among information systems (IS) professionals. Thus, the purpose of this paper is to consolidate the knowledge of crypto currencies in the field of IS through a systematic literature review and provide insights for researchers to seek opportunities for crypto currencies research in the context of the sharing economy. Crypto currency is a digital currency based primarily on block chain technology. Currencies are issued and regulated by the country's central bank and government to combat inflationary and deflationary situations. Today, many countries in the world are focusing on digital currency and transactions. Even someone does not want to regulate their currencies and transactions. This brought further innovation in the new currency that is crypto currency, one of the most advanced, ambiguous regulations of a simple currency. In this article I have tried to study crypto currency and its development and future prospects in India.

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CRYPTOCURRENCIES - ADVANTAGES AND DISADVANTAGES

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Objective - This study aims to examine the potential advantages and disadvantages associated with the acceptance of cryptocurrency within the Indian economy, as well as to examine the factors contributing to the development of cryptocurrency in India. Methodology - A evocative study approach is employed to measure the influence of cryptocurrency on the Indian economy. Major data is gathered from a sample of 500 consumers located in India, directing on their approaches, opinions, and procedure outlines regarding cryptocurrency. The survey is showed connected through a web based stage and distributed through social television and communication networks. Result - on the positive side, cryptocurrency have the potential to enhance financial inclusion for the unbanked population, create fresh investment chances, and lower transaction costs for cross margin transaction. Moreover, they may enticeforeign investment into the Indian budget and promote technological advancement within the country. Conversely, there are significant concerns related to the use of cryptocurrency in criminal happenings, such as money laundering and terrorism financing. Furthermore, there is a risk that Indian economy could lose control over its monetary policy, leading to potential instability in the financial system. Creativity/ value - the things cryptocurrency on the Indian economy remain uncertain. While they offer both opportunities and challenges, a prudent and balanced strategy is essential to influence the potential benefits while talking the associated risks. Further empirical studies are necessary to ascertain the actual benefits experienced by individuals who have invested in cryptocurrency.

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Cryptocurrency, digital currency, Indian economy, demographical factors, adoption of cryptocurrency, etc.

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The rise of digital currencies can be viewed as a shift towards a new more improved and enhanced way of the global financial systems by enhancing financial access in different regions. Over time, with the innovations in technology, people are now using Cryptocurrencies and Central Bank Digital Currencies, as prominent forms of digital money. These assets include characteristics that traditional funds lack as they foster cheaper rates in transactions, faster international payments, and better access for confined populations in the developing world. However, the use of digital currencies also presents a number of issues; first of all, those of regulatory nature, followed by problems associated with the cybersecurity of these currencies and, last but not least, the problem of financial literacy of users. Digital currencies' acceptance across the world differs on various degrees, and the regulation of the same is a hot topic across the world where some countries incorporate the innovation into their economic development strategies while others remain skeptical, or even outright intolerant of the concept mainly due to the prevailing volatile economic and security concerns. However, in developed countries, digital currencies are perceived as improvements of payment systems, while in the developing countries they present a chance in giving basic financial services to those who are deprived of them. Furthermore, the said utilization of blockchain technology, which is mostly implemented behind most digital currencies, might enhance effectiveness and transparency and minimize fraud in today's financial services. But, the absence of structures and the gap between the physical and the digital worlds in most parts of the world may slow down the use of digital tokens. Also relevant to policy is the centralisation versus decentralisation dilemma that continues to be contentious as government seeks to launch state-backed digital currencies against decentralized cryptocurrencies that bring risks to the global economy. The objective of this paper is to analyze how digital currencies can drive financial inclusion examining their potential as well as challenges they face as well as reviewing the world's regulatory environment and future prospects for the use of digital currency.

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Digital Currencies, Financial Inclusion, Cryptocurrencies, Blockchain Technology Cross-border Payments, Global Perspective and Payment Systems.

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The hospitality industry has undergone a significant transformation due to the rapid advancement of digital technologies. E-commerce, in particular, has emerged as a key player in reshaping service delivery, enhancing customer experiences, and optimizing operational efficiencies. This paper explores the impact of e-commerce on the hospitality industry, focusing on how digital platforms have redefined guest interactions, service offerings, and the overall operational landscape. The study delves into the ways e-commerce has improved customer satisfaction, increased efficiency, and enabled personalized services, while also discussing the challenges faced by businesses in adopting digital technologies.

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E-commerce, hospitality industry, service delivery, digital transformation, customer experience, personalization, operational efficiency

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