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Digital Financial Inclusion: Strategic Issues and Imperatives
The present paper provides insights on digital financial inclusion. Digital financial inclusion means making financial services accessible through technology intervention, i.e. via internet, mobile network, cards, digital wallets, etc. The objective of digital financial inclusion is to bring underserved and financially excluded population under the formal banking network. As per Global Findex, Financial Inclusion (adults holding bank accounts) in India has increased from 35% in 2011 to 80% in 2017. Indeed, there has been a speedy improvement in the financial inclusion index, wherein the role of Pradhan Mantri Jan Dhan Yojana (PJDY) launched by the Government of India in 2014 has been phenomenal. Later, in the year 2016 demonetization further accelerated the process. Despite, all these concentrated efforts and policies a large section of the population still remains unbanked. With the rise in internet and smartphone users, there will be a significant increase in digital transactions in the coming years. To achieve full financial inclusion and to make the desired benefits reach unserved population there is a need to increase financial and digital literacy among masses. The paper starts with a discussion on Evolution of Digital Financial Inclusion (DFI) in India, followed by the benefits of DFI and challenges specific to India. It ends with some suggestions which can increase the pace of DFI in the country. The Editor(s) (if applicable) and The Author(s), under exclusive license to Springer Nature Singapore Pte Ltd. 2021. -
Are Indian higher education institutions doing their bit towards empowerment of mid-career women?: A study of public and private universities in India
Gender diversity and empowerment of mid-career women in the workplace have rightfully gained importance over the last decade. However, there is a paucity of research pertaining to the position of mid-career women in higher education institutions (HEI) in India. The data suggest that while there has been an increase in the number of women in the academic sphere, yet there is a visible lack of women in the top academic leadership positions across Indian HEIs. This chapter explores the HR practices adopted by top public and private universities to support women's career progression. Using a mixed-method approach, the chapter identifies barriers to women 's growth in academia. And finally, the authors make suggestions for promoting female academicians by comparing existing practices to those practised in gender-equal countries across the globe. 2022, IGI Global. All rights reserved. -
IoT Infrastructure to Energize Electromobility
Mobile technology is becoming more sophisticated as it advances. A comparison of different mobility scenarios was conducted. This chapter examined how electric vehicles interact with local energy systems in Stuttgart. Utilizing a travel demand model, a charging profle based on mobility patterns was generated for electric vehicles. During a quarter, charging demand and standard household load profles were used to analyze peak hour load fow for 349 households. Considering that peak loads and charging capacity are usually separated in time, greater charging capacity might lead to lower utilization of transformers. Furthermore, a study was conducted to determine if the existing infrastructure was adequate for future demand, focusing on substation transformer reserves. Electromobility is a rapidly growing and evolving application domain of the Internet of Things, with a huge market potential in various areas. It incorporates many stakeholders from manufacturers to the players of the energy market with all sorts of physical and virtual resources. It is essential to allow these devices and systems to collaborate to create advanced e-mobility services. The Author(s), under exclusive license to Springer Nature Switzerland AG 2023. -
Machine Learning in Cyber Threats Intelligent System
Cybercriminals disrupt services, exfiltrate sensitive data, and exploit victim machines and networks to perform malicious activities against organizations. A malicious adversary seeks to steal, destroy, or compromise business assets that have a specific financial, reputational, or intellectual value. As a result, organizations are complementing their perimeter defenses with threat intelligence platforms to address these security challenges and eliminate security blind spots for their systems. Any type of information useful for identifying, assessing, monitoring, and responding to cyber threats is considered cyber threat intelligence. Organizations can benefit from increased visibility into cyber threats and policy violations. An organizations threat intelligence allows them to prevent or mitigate various types of cyberattacks. The use of machine learning and artificial intelligence is a key component of cybersecurity conflict, which together allows attackers and defenders to function at new speeds and scales. In spear-phishing attacks, relatively frivolous machine learning algorithms have been used to overwhelming effect as adversarial artificial intelligence. This chapter discusses the various cyber threats, cyber security attack types, publicly available datasets for research work, and machine learning techniques in cyber-physical systems. 2024 selection and editorial matter, S. Vijayalakshmi, P. Durgadevi, Lija Jacob, Balamurugan Balusamy, and Parma Nand; individual chapters, the contributors. -
Applications of Digital Technologies and Artificial Intelligence in Cryptocurrency - A Multi-Dimensional Perspective
The paradigm shift requires spreading the light of decentralized ledger technology, extraordinarily implementing cryptocurrencies, and being visible as a game-changer. Blockchain technology, along with cryptocurrencies like Bitcoin, Ethereum, and Litecoin, is a tool for global economic transformation that is rapidly gaining traction in the finance industry. However, these technologies have had low popularity in the consumer market. Many platforms have been misunderstood and ignored when there is an obvious hole in among them. The basic idea behind cryptocurrency is that it is a network-based, totally virtual exchange medium that utilizes cryptographic algorithms such as Secure Hash Algorithm 2 (SHA-2) and Message Digest 5 (MD5) to secure the data. Transactions within the blockchain era are secure, transparent, traceable, and irreversible. Cryptocurrencies have gained a reputation in practically all sectors, including the monetary sector, due to these properties. The uncertainty and dynamism of their expenses, however, hazard investments substantially despite cryptocurrencies growing popularity amongst approval bodies. Studying cryptocurrency charge prediction is fast becoming a trending subject matter in the global research community. Several device mastering and deep mastering algorithms, like Gated Recurrence Units (GRUs), Neural nets (NNs), and nearly short-term memory, were employed by the scientists to analyze and forecast cryptocurrency prices. As a part of this chapter, we discuss numerous aspects of cryptographic protection and their related issues. Specifically, the research addresses the state-of-the-art by examining the underlying consensus mechanism, cryptocurrency, attack style, and applications of cryptocurrencies from a unique perspective. Secondly, we investigate the usability of blockchain generation by examining the behavioral factors that influence customers decision to use blockchain-based technology. To identify the best crypto mining strategy, the research employs an Analytic Hierarchy Process (AHP) and Fuzzy-TOPSIS hybrid analytics framework. Furthermore, it identifies the top-quality mining methods by evaluating providers overall performance during cryptocurrency mining. 2023 Scrivener Publishing LLC. -
Bioactive Compounds and Biological Activities of Arrowroot (Maranta arundinacea L.)
Arrowroot is one of the most widely studied herbal species belonging to the family Marantaceae, which originated from South America and is mainly found in tropical areas. Species belonging to the Maranta genus attaining worldwide attention due to the bioactive compounds are present in their rhizomes. The nutritional values of the Maranta arundinacea plant parts were explored in traditional medicine and culinary practices. Maranta arundinacea flour is a good source of fiber, starch, and carbohydrate and is extensively utilized as a major ingredient in food products. It is also used as an alternative to wheat as the flour is gluten-free. Dietary fibers present in the Maranta arundinacea are beneficially used in the treatment of digestive disorders such as celiac disease and immune disorders. Its known to stimulate the production of IgM by immune cells. Maranta arundinacea is commonly used for weight management as it is protein-rich and has fewer calories. The rhizome contains substantial amounts of sodium, magnesium, phosphorus, potassium, calcium, iron, and zinc. The processed starch from the Maranta arundinacea rhizomes is broadly used in nutritional food products as well as in pharmacological applications. The bioactive compounds present in the Maranta arundinacea rhizome make it the subject of novel pharmaceutical studies. The current chapter tries to emphasize the general morphology, nutritional benefits and processing, bioactive compounds, and biological activities of the Maranta arundinacea. Springer Nature Switzerland AG 2024. -
Synthesis, Characterization of Chromium Oxide Powders and Coatings
The chromium oxide powders are transformed into plasma sprayable particles by using synthetic polymers for agglomeration. In order to carry out the agglomeration process, spray drying technique was employed. This research work highlights the significance of the process variables that control the synthesis of plasma spray powder and consequently, the properties that were suited for plasma sprayoating. Energy Dispersive Spectroscopy (EDS) was used to characterize the elemental composition, while scanning electron microscopy (SEM) was used to analyse the morphology and powder grain sizes and X-ray diffraction (XRD) was used to identify the phase structure. And for the development of coatings on the substrates, Atmospheric plasma spray (APS) technique was used. The plasma sprayable powders were created with the intention of investigating for use as corrosion-resistant coatings. 2023 Trans Tech Publications Ltd, All Rights Reserved. -
The changing role of marketing: Industry 5.0 - the game changer
The preceding revolution, Industry 4.0, surfaced by way of the influx of digital and automation technologies. Industry 5.0 followed the suit and the world is on the threshold of this new evolution. Industry 5.0 attempts to bring together the competency of smart machines and the exceptional ingenious potentials of the human workforce. Industry 5.0 is humanizing the digital and automated systems. It recognizes both automated technology and the human innovative skills on an equal platform. Marketing in its new role revolves on the axis of automation and cyber technology of Industry 5.0. This new makeover of marketing processes generates superior marketing actions, restructures marketing workflows, and assesses the results of marketing promotions. Industry 5.0 tools make available a fundamental marketing catalog for all marketing content and communications, thus assisting marketers to fashion a fragmented, customized, and favorable marketing experiences for prospective buyers. These systems and spaces offer automation attributes across numerous phases of marketing including videos, blogs, emails, social media, lead generation, direct mails, digital advertising, and more. This chapter aims to introduce the concept of Industry 5.0, where robots and machines are interweaved with the human intellect and labor as teammate instead of opponent. The objective of the chapter is to examine and explore the different facets of marketing in the face of Industry 5.0. The chapter describes the challenges and future trends and practices in marketing field in the wake of Industry 5.0 as the way forward for the companies for sustainability and resilience. 2023 by Sunanda Vincent Jaiwant. All rights reserved. -
3Rs management: Advances and innovations in waste management and treatment
The increasing industrialisation and fast growth do not only pose problems related to the allocation of resources and powers, but also severely challenge the natural environment. Environmental degradation such as contaminated water, sinking groundwater levels, unhealthy soils, and polluted air has become a harsh reality in many parts of the world. One result of a rapid urbanisation, a slowly reducing gap between urban and rural, changing consumption patterns, and a growing population is the problem of waste. However, although it is the duty of the urban local bodies (ULBs) to address the issue of waste, tight budgets, inefficient organisation, has rendered a situation that has little hope for alleviation in the near future. This chapter aims to understand the concept of waste management through 3Rs. The focus is to identify the contemporary 3Rs practices and also develop advanced strategies for the same. 2024 by IGI Global. -
Smart City Governance and Citizen Engagement
The smart city idea has been put into practice in numerous nations as a response to urban issues. With the ultimate goal of improving quality of life and well-being, smart cities are more and more eager to engage in fruitful dialogue with their residents, better understand their demands, and develop digital platforms for inciting collaborative initiatives between authorities and people. Prior researches have noted challenges with execution and the importance of smart citizens as key components of a smart city. Using an internet-based social platform, this project intends to learn more about how smart cities are implemented and how citizens are involved. Smart city development should be modified to account for local conditions. Local expertise, transformative leadership, sustainability, and political content are the key success criteria for the implementation. Through an online social network, city residents have been participating in the implementation of the smart city. In order to make sure that city citizens are motivated to address the citys challenges, a sort of incentive structure remains necessary. Previous research efforts were conducted in an effort to measure the projects effectiveness by achieving benefits. The people of that country are the end users of public infrastructure projects. Nevertheless, communities all throughout the world have struggled to achieve genuine citizen engagement. This component of citizen engagement has been highlighted as a crucial goal to be accomplished. This chapter examines the role of AI in citizen engagement and participation in the smart city implementation. The chapter also intends to analyse the relevant research works to examine the trends in smart city governance and AI. This study will provide also insights into emerging issues and challenges. 2025 selection and editorial matter Pawan Whig, Pavika Sharma, Nagender Aneja, Ahmed A. Elngar and Nuno Silva; individual chapters, the contributors. -
Servant leadership and diversity: A focus on ethnic and cultural diversity
Business organizations becoming global is nothing new in the current world due to the ever-shrinking physical and communication boundaries. Going global has its benefits and limitations. Benefits would be less expensive land, labor, and resources and reduced transportation cost by being present in countries with vast requirements for an organization's products or services. At the same time, the limitations would be to manage people or lead them toward shared organizational goals. India being a country with enormous opportunities has diverse cultures and practices. Thus, leading various people as employees would be a challenge. What may work in the Western countries may not work in India due to its vast diversity in culture, language, and ethnicity. This research aims to understand the servant leadership approach and if it would be applicable in India. In the context of diverse cultures, the authors analyze the servant leader's role in an organization and compare the practices of servant leadership in various other countries. 2023 by IGI Global. All rights reserved. -
Role of information and communication technologies in the sustainable clothing and textile industry
Information and communication technology (ICT) has an important role to play in every sector globally. These opportunities will derive from the ability of ICTs to open up parts of the supply chain (other than basic manufacturing and processing) in clothing and textile industry as well. ICT technology is used at various stages of the design process. Presently, it is rapidly changing the textile industry. Employee at- tendance (clocking in) to shipment dispatching are dependent on information technology. The garment industry is fully depended on IT or ERP. This chapter presents the latest trends of companies that have successfully used ICTs to move, for example, into higher-value activities such as design and logistics, or to access niche markets. The study aims to investigate the uses of information and communication technology in the clothing and textile industry and examine the recent trends of ICT usage in companies within the textile industry and identify the factors to be considered by companies in the textile industry before investing in ICT. 2023, IGI Global. All rights reserved. -
Evaluating the impact of microlearning and micro-lessons and implications for general education
The educator training approach known as microteaching, which is used now all over the world, offers teachers the chance to sharpen their teaching abilities by enhancing the many straightforward activities referred to as teaching skills. Microteaching supports the growth of in-person teaching experiences thanks to its success with both beginners and older students. The fundamental abilities of microteaching, such as exposition and reinforcing abilities, aid new instructors in mastering the craft of instruction with ease and to the fullest. This method's effects have been widely observed in a variety of educational settings, including the biological sciences, health sciences, and other fields. The chapter reflects upon the basic concepts of microteaching, microlearning, and micro lessons. The study discusses the fundamental teaching techniques, implementation issues, and the effects of microlearning on education. The study also throws light on the impact and advances of technology on microlearning in the context of the digital age. 2024, IGI Global. -
Demand Forecasting Methods: Using Machine Learning to Predict Future Sales
To thrive in the market today, businesses must increase the effectiveness, dependability, and accessibility of their services. Sales estimation and operative demand scheduling definitely impact the end result of the organizations, influencing their procurement process, production, delivery, supply chain, marketing communications, etc. 2024 Sachi Nandan Mohanty, Preethi Nanjundan and Tejaswini Kar. -
Enhancing the digital consumer experience: The role of artificial intelligence
In the era of rapid technological advancement, the integration of artificial intelligence (AI) and digital consumerism has created new trends in business. Consumers are able to communicate with brands in new ways owing to developments in digital media. AI-powered recommendation systems, chatbots and virtual assistants are the main drivers of this change. It allows businesses to offer product recommendations, customer support, and personalized content to increase user engagement and satisfaction. This chapter provides real-world examples of AI applications across industries, highlighting success stories of companies using AI to create better value and customer satisfaction. Finally, the integration of artificial intelligence and digital customer experience has the potential to transform the future of e-commerce, marketing, and customer service, opening new horizons for both businesses and consumers. 2024, IGI Global. All rights reserved. -
HR analytics in employee engagement and turnover
HR Analytics has expanded increasingly in the last two decades. Nowadays, several Companies use the supremacy of analytics, in gaining a competitive edge over others by recognizing all essentials of the employees. Organizations aim to optimize employee-performance, and hence are making use of HR analytics to drive strategic HR decisions. This study examines the advent of HR analytics by in measuring and improving employee engagement and turnover. Employee engagement analytics stands for exercising the use of data in decision-making process by integrating employee engagement with other HR and non-HR data. Employee engagement analytics is a subsection of workforce-analytics. It has become the standard contemporary system in advanced employee administration and retention. Employee engagement analytics benefits all stakeholders within the organization. 2023, IGI Global. All rights reserved. -
Handwritten digit recognition using convolutional neural networks
Optical character recognition (OCR) systems have been used for extraction of text contained in scanned documents or images. This system consists of two steps: character detection and recognition. One classification algorithm is required for character recognition by their features. Character can be recognized using neural networks. The multilayer perceptron (MLP) provides acceptable recognition accuracy for character classification. Moreover, the convolutional neural network (CNN) and the recurrent neural network (RNN) are providing character recognition with high accuracy. MLP, RNN, and CNN may suffer from the large amount of computation in the training phase. MLP solves different types of problems with good accuracy but it takes huge amount of time due to its dense network connection. RNNs are suitable for sequence data, while CNNs are suitable for spatial data. In this chapter, a CNN is implemented for recognition of digits from MNIST database and a comparative study is established between MLP, RNN, and CNN. The CNN provides the higher accuracy for digit recognition and takes lowest amount of time for training the system with respect to MLP and RNN. The CNN gives better result with accuracy up to 98.92% as the MNIST digit dataset is used, which is spatial data. 2020 Walter de Gruyter GmbH, Berlin/Boston. All rights reserved. -
Digital education for a resilient new normal using artificial intelligenceapplications, challenges, and way forward
As society and technology advance to meet Industry 4.0 requirements, the educational system has also undergone many transformative changes in the past decade. Education is regarded as one of the most important tools for developing individuals, families, businesses, and the economy. New digital technologies are making a great revolution by transforming all aspects of education in teaching, learning, assessment, and feedback. The COVID-19 pandemic has led to the proliferation of digital education and its replacement of traditional education in the educational system. The developments in artificial intelligence (AI) are indispensable in all sectors, including education. AI-integrated learning helps management, teachers, students, parents, and other stakeholders gain insight into their performance to impact the process positively. This chapter aims to throw light on the emerging need and technologies used for digital education and to examine the role of AI in education with examples from the perspectives of teaching, learning, and assessment in the new normal. The application of AI in education and its effectiveness is explored through six publicly available datasets along with strengths, weaknesses, opportunities, challenges, and the future of digital education. This chapter discusses several examples and benefits of AI applications that enhance the educational experience and also emphasizes the need to align it with technology and curriculum to achieve the intended learning outcomes. 2023 Elsevier Ltd. All rights reserved. -
Assessing Individual Intention in Adoption of Green Loans for Solar Rooftop Projects
Amidst a global surge in environmental consciousness, this study investigates the adoption dynamics of green loans for solar rooftop projects, capitalizing on the increasing awareness of individuals seeking to embrace environmentally friendly technological innovations. Against the backdrop of escalating environmental concerns, this research explores the intricate relationships between financial considerations, heightened environmental awareness, regulatory support, and access to information in shaping individual intentions to adopt green loans for solar rooftop initiatives. Leveraging a Structural Equation Modeling (SEM) approach and a sample size of 225 respondents, this study provides nuanced insights into the factors influencing sustainable financial choices, contributing to the ongoing discourse on the intersection of green financing, renewable energy, and individual decision-making. The findings hold implications for policymakers, financial institutions, and individuals striving to align their financial practices with eco-conscious initiatives to pursue a sustainable future. The Author(s), under exclusive license to Springer Nature Switzerland AG 2024. -
The Employees Demographic Profile of Startups in India with Special Reference to Bangalore City: A Case Study
In the current scenario, startups play a pivotal role and exert a significant influence on the promotion of economic growth. Authorities perceive their substantial impact, considering factors such as job creation, economic development, and contributions to technological upgrading (Thornton and Assocham in Startups Indiaan overview, 2016; Jain in Int J Appl Res 2:152154, 2016; Sarangi in Why do most Indian startups fail? Computer Science and Engineering, Indian Institute of Technology, Delhi, 2015). There has been a noteworthy effort to promote entrepreneurship through the establishment and support of various incubation centers. Despite the positive reception and development initiatives, the alarming startup failure rates in India persist due to various reasons. Available data indicates that 12 states in India have 1000 recognized startups each, with Karnataka being particularly well-recognized for progress and brand creation, especially in the city of Bangalore. In light of this, the study aims to identify the demographic profile of employees in startups in India, with a special focus on Bangalore city. The Author(s), under exclusive license to Springer Nature Switzerland AG 2024.