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Nexus Between Credit Conditions, Financial Literacy, and Loan Accessibility Among Indian MSMEs
We examine the interplay among commercial bank loan terms, financial literacy, and formal loan accessibility for micro, small and medium enterprises (MSMEs). Despite recent strides in integrating MSMEs into commercial bank portfolios via micro-lending initiatives, persistent challenges hinder their access to formal credit. Drawing from empirical data and existing literature, this study explores the nuanced impacts of loan terms and financial literacy on SMEs ability to secure formal loans. Addressing gaps in prior research, we concurrently analyse borrower characteristics and credit regulations influence on formal loan accessibility. The Author(s), under exclusive license to Springer Nature Switzerland AG 2024. -
Global Analysis of Quantum Technology Discourse
he study provides a thorough exploration of the global quantum technology landscape, offering valuable insights for researchers, policymakers, and industry stakeholders. It employs advanced analytical methods such as Latent Dirichlet Allocation (LDA) and Non-Negative Matrix Factorization (NMF) for topic modeling. The research focuses on understanding discussion intensity, geographical distribution, co-mentioning patterns among countries, prevalent topics, and keyword-based trends. Utilizing diverse datasets, the study employs heatmaps, network analysis, and thematic analysis to categorize textual data. Evaluation metrics like Topic Coherence and Network Centrality Measures contribute to a robust methodology.Key findings include dominant discussions on quantum computing and investment strategies, with focused attention on governmental roles in R&D and specific quantum computer research. Notably, there is a niche focus on quantum algorithmic risks in Australia. Document characteristics vary, with some blending multiple themes and others centered around a single topic. LDA topic modeling and network analysis identify key countries, showcasing global hotspots and potential collaborations in quantum technology discussions. 2024 IEEE. -
'Enhancing Electricity Price Forecasting': Integrating Macro-Economic Factors And Renewable Energy Dynamics in A Machine Learning Approach
In the ever-evolving electricity market, accurate price prediction is imperative for informed decision-making. This research introduces an innovative predictive model that integrates renewable energy, macro-economic indicators, and external factors to enhance forecasting accuracy. By exploring historical trends, comparing machine learning algorithms, and employing advanced feature selection methods, the study addresses the complexities of the electricity market, emphasizing economic indicators, geopolitical events, and demand-supply dynamics. Informed by a literature review, the research underscores the necessity of dynamic models in electricity price forecasting. Utilizing machine learning models such as linear regression, random forest, SVM, AdaBoost, and ARIMA, the study aims to improve prediction accuracy. With a robust methodology and comprehensive evaluation metrics (MAE, RMSE, MAPE), the research contributes valuable insights into electricity market dynamics, providing a variable dictionary for clarity and emphasizing the strategic implications of the superior random forest model for stakeholders in the electricity sector. 2024 IEEE. -
Advancing the Evaluation of Oral Fluency in English for Specific Classrooms: Harnessing Natural Language Processing Tools for Enhanced Assessment
A crucial component of language learning and teaching is evaluating students' speaking abilities. Natural language processing (NLP) techniques have been employed recently in language assessment to automate the evaluation process and produce more impartial and reliable findings. In this study, we offer a speaking evaluation tool based on Natural Language Processing (NLP) that assesses a learner's speaking ability in real-time using cutting-edge algorithms. The instrument is altered to assess the fundamental facet of speaking skills - Fluency. As a result of the tool's immediate feedback, learners may pinpoint their areas of weakness and focus on honing their language abilities. The usefulness of the instrument was assessed through an intervention with a sample size of 30 students of the post-graduate students of a college in Pune, India. Python libraries, including random and re, were utilized to implement the algorithm. Data preprocessing involved accurate transcription of videos using an online tool and manual checking for corrections. Despite acknowledging limitations, such as potential biases in manually inserted hesitation markers, the study serves as a pivotal step toward automated fluency assessment, presenting exciting prospects for NLP and language education advancements. 2024 IEEE. -
Examining how ERP-Enabled Supply Chain Integration Works within the Quadrants of the Four-Wheeler Industry
Enterprise Resource Planning (ERP) systems have become indispensable tools for managing complex supply chains in the automotive industry. This paper provides an in-depth examination of ERP-based supply chain integration within the four-wheeler automobile sector, focusing on its impact, challenges, and best practices. Through a comprehensive review of existing literature and case studies, we analyze the key components of ERP systems, their integration with supply chain processes, and the benefits they offer to automotive manufacturers. Additionally, we explore the role of ERP in enhancing operational efficiency, inventory management, demand forecasting, and customer satisfaction. Furthermore, we discuss the challenges associated with ERP implementation and provide recommendations for successful integration and optimization of ERP systems in the four-wheeler automobile industry. 2024 IEEE. -
Yoga Posture Recognition Using Image Processing
Yoga is an ancient Indian practice that focuses on maintaining balance through various techniques like asanas and meditation. Traditional Indian yoga involves physical postures, regulated breathing, meditation, and relaxation techniques. The practice, rooted in physical, mental, and spiritual disciplines, offers numerous benefits. In this paper, we present an approach for classifying four prominent yoga poses: Goddess Pose (Utkata Konasana), Tree Pose(Vrksasana), Dead Body Pose (Savasana), and Downward Dog Pose (Adho Mukha Svanasana) using image processing techniques. The proposed methodology leverages sophisticated feature extraction techniques that analyse the posture's shape to help capture the details of the posture like the centroid, eccentricity, convex hull, etc. The subsequent classification process employs Support Vector Machines (SVM) enabling accurate categorization based on the extracted features. This blend of traditional wisdom and modern technology offers a promising tool for automating posture recognition, benefiting yoga practitioners and instructors, and can be extended to other real-life scenarios like odd posture detection. 2024 IEEE. -
AI-Driven Home Climate Optimization: The Role of ChatGPT in Enhancing AC Efficiency
The convergence of Internet of Things (IoT) and Artificial Intelligence (AI) has revolutionized home automation, yet traditional air-conditioning (AC) systems still struggle with energy inefficiency. Our research presents a novel solution, integrating AI, IoT, and user-centric design with ChatGPT, to optimize AC systems responsively to occupants' needs. Our methodology employs ChatGPT's capability to analyze historical data, discern patterns, and provide intelligent recommendations for AC operation. This transcends the functions of standard smart thermostats through AI-driven decision-making, optimizing every AC operational moment for both comfort and energy conservation. The system's foundation in data-driven decisions ensures alignment with external and internal conditions, enhancing energy efficiency and user comfort. 2024 IEEE. -
Analysing Collaborative Contributions and Sentiments in the Quantum Computing Ecosystem
Quantum computing, a revolutionary paradigm leveraging the principles of quantum mechanics, has emerged as a transformative technology with the potential to solve complex problems at unparalleled speeds. Within the quantum computing ecosystem, companies and research institutes play pivotal roles in advancing hardware, algorithms, and applications. This research explores the transformative landscape of quantum computing, focusing on key contributors such as Google, IBM, D-Wave, Azure, Amazon, Intel, EeroQ, and IonQ. Through sentiment analysis, topic modelling, and thematic analysis, the study aims to comprehensively understand the current state and trends within the quantum computing ecosystem. The findings unveil an overall positive sentiment and identified topics ranging from cloud computing services to quantum computing advancements. Thematic analysis provides actionable insights, emphasizing collaboration within the ecosystem. Rooted in the analysis of secondary data from key companies' articles, the methodology establishes a robust framework for discerning contributions, collaborations, and strategic orientations in quantum computing. 2024 IEEE. -
Enhancing Traffic Incident Management and Regulatory Compliance Using IoT and Itms: A Mumbai Traffic Police Case Study
In the rapidly urbanizing landscape of Mumbai, a megacity confronted with significant traffic management and law enforcement challenges, the deployment of an advanced city surveillance system represents a transformative approach to urban governance. This paper examines the integration of over 11,000 CCTV cameras into the Mumbai Traffic Police's operational framework, covering an area of 438 square kilometers encompassing 41 traffic divisions and 94 police stations. Since its inception in 2016, the system has been pivotal in enhancing safety, order, and mobility within the city, especially amid obstacles such as ongoing infrastructure projects, traffic congestion, accidents, and natural disasters. Central to this study is the analysis of the Mumbai City Surveillance System Project (MCSP), which leverages CCTV technology to generate and classify Incident Reports (IR) based on severity, ranging from minor disruptions to significant emergencies. The period from October 2021 to 2023 saw a marked increase in IR generation, from 742 reports in 2021 to 10,392 in 2022 and 9,639 in 2023, indicating the system's growing efficacy in real-time traffic management and incident response.This paper further explores the cutting-edge integration of Artificial Intelligence (AI) and Internet of Things (IoT) technologies within the MCSP framework, highlighting the role of computational intelligence in enhancing the capabilities of Intelligent Transportation Systems (ITS). By employing AI-driven predictive analytics, the system effectively anticipates traffic conditions based on diverse variables such as traffic flow, vehicle speed, and weather, thereby optimizing traffic management strategies.The findings underscore the significant impact of AI and IoT technologies in redefining urban transportation networks, demonstrating improved efficiency, safety, and resilience in the face of Mumbai's complex transportation challenges. This study contributes to the discourse on smart city initiatives, offering insights into the role of advanced computational technologies in facilitating intelligent transportation solutions and shaping the future of urban living. 2024 IEEE. -
Predictive Analysis of Sleep Disorders Using Machine Learning: A Comprehensive Analysis
The diagnosis of sleep disorders often relies on subjective patient reports, sleep diaries, and potentially cumbersome polysomnography (PSG) tests. However, these methods have limitations such as subjectivity, sleep diaries require meticulous effort, and expensive PSG tests are expensive, resource-intensive, and may not accurately capture sleep patterns in a non-clinical setting. Sleep disorders pose significant health risks and can impair overall well-being. Predictive analysis plays a crucial role in identifying individuals at risk of developing sleep disorders, enabling timely interventions and personalized treatment plans. In this paper, a comparative analysis of regression and classification models for sleep disorders prediction using machine learning (ML) techniques on insomnia and sleep apnea are discussed. Through extensive experimentation and comparative analysis, XGBoost and AdaBoost demonstrated as the most effective predictive models for insomnia and sleep apnea. AdaBoost and XGBoost classifiers are displaying 93.49% and 92.73% respectively. It is therefore possible to draw the conclusion that AdaBoost and XGBoost are doing well based on the findings as a whole, as indicated by the results. Our findings contribute to advancing the understanding and application of ML techniques in sleep disorder prediction, paving the way for more accurate and timely diagnosis based on ML techniques and personalized interventions in clinical practices. 2024 IEEE. -
Machine Learning Model Enabled with Data Optimisation for Prediction of Coronary Heart Disease
Cardiovascular disorders remain leading cause for mortality worldwide, necessitating robust early risk assessment. Although machine learning models show promise, most rely on conventional preprocessing, which lacks model portability across datasets. We propose an integrated preprocessing pipeline enhancing model generalizability. Our methodology standardises features solely based on training statistics and then transforms test data identically to prevent leakage. We handle class imbalance through synchronised oversampling, enabling consistent performance despite distribution shifts. This framework was evaluated on an open-source dataset of clinical parameters from an African cohort using classifiers like support vector machines and gradient boosting. All models achieved upto 80% accuracy. Remarkably, evaluating the identical models on five external European and Asian datasets maintains 80% - 86% accuracy. Our reproducible data conditioning strategy enables precise and transportable heart disease risk prediction, overcoming population variability. The framework provides the flexibility to readily retrain models on new data or update risk algorithms for clinical implementation in diverse locales. Our work accelerates the safe translation of machine learning to guide cardiovascular screening worldwide. 2024 IEEE. -
Cricket Shot Classification with Deep Learning: Insights for Coaching and Spectator Experience Enhancement
The cricket field has undergone significant transformations owing to recent technological advancements, particularly in countries like India. Technology has been used to determine projected scores, chances of winning, run rates, and many more parameters. This study centers on employing Deep Learning in cricket, focusing on the classification of different types of shots played by batsmen to aid in creating coaching strategies and enhancing the spectator experience. The proposed model uses a dataset of cricketing shots generated by collecting images from the internet, comprising 5781 images of 7 distinct shot types played by batters. The VGG-16, VGG-19, and RestNet-50 model architectures were trained for the classification task, with the best result obtained from VGG-16. Pre-processing tasks, such as scaling, augmentation, etc., were performed on the images before classification. Subsequently, 85% of the total images were used to train the model and for testing, rest 15% of images, resulting in an accuracy of 96.50% from VGG-16, 92% from VGG-19, and 78% from RestNet-50. 2024 IEEE. -
Quantum vs. Classical: A Rigorous Comparative Study on Neural Networks for Advanced Satellite Image Classification
Navigating the intersection of quantum computing and classical machine learning in image classification, this study confronts prevailing challenges. Centered on the "Satellite Image dataset (RSI-CB256),"our investigation probes the early phases of quantum architectures, utilizing simulations to transform numerical data into a quantum format, the investigation highlights the existing limitations in traditional classical methodologies for image classification tasks. In light of the groundbreaking possibilities presented by quantum computing, this study underscores the need for creative solutions to push image classification beyond the usual methods. Additionally, the study extends beyond conventional CNNs, incorporating Quantum Machine Learning through the Qiskit framework. This dualparadigm approach not only underscores the limitations of current classical machine learning methods but also sets the stage for a more profound understanding of the challenges that quantum methodologies aim to address. The research offers valuable insights into the ongoing evolution of quantum architectures and their potential impact on the future landscape of image classification and machine learning. 2024 IEEE. -
Quantum Computing: Navigating The Technological Landscape for Future Advancements
Quantum Computing represents a transformative paradigm in information processing, leveraging principles of quantum mechanics to enable computations that transcend the limitations of classical computing. This research paper explores the cutting-edge technologies employed in Quantum Computing, examining the key components that facilitate quantum information processing.The purpose of this study is to provide a comprehensive exploration of the state-of-the-art technologies in Quantum Computing, laying the groundwork for future advancements and applications in this rapidly evolving field.The methodology employed in this study integrates three analytical approaches: sentiment analysis, topic modeling, and thematic analysis. Sentiment analysis is utilized to discern and quantify emotional tones within the content. Topic modeling is applied to identify latent themes and patterns within the data, revealing underlying structures. Thematic analysis, on the other hand, involves a systematic identification and exploration of recurrent themes to provide a nuanced understanding of the subject matter. This tripartite methodology ensures a comprehensive examination of the data, facilitating a robust and multifaceted analysis of quantum computing technologies. 2024 IEEE. -
An Examination of Methodological Approaches for Segmentating Fetal Brain MRI Images - Analysis
In today's world and in the country like India, Women's health needs more care. Especially the women's health during the pregnancy period plays a vital role in both the mother as well as the baby's care. As per a survey, among thousands three of them found to have fetal brain abnormalities. If these abnormalities are predicted at the early stage, then it will be an added advantage in saving both the life of mother and baby. During the pregnancy number of tests have to be performed to monitor fetal development. Tests like fetal ultrasound, Chorionic Villus Sampling, Amniocentesis, Fetal Echocardiogram, Fetal MRI imaging SCAN etc. The fetal brain abnormality can be predicted as well as treated at the early stage by analyzing the fetal brain MRI during the gestational period. Identifying abnormalities in fetal brain MRI images involves several essential steps, including image segmentation, analyzing images involves extracting distinctive features, refining their quality, identifying relevant patterns, and categorizing them based on specific criteria. The process of classification determines whether an abnormality is present or not. Analyzing images presents a complex undertaking owing to the diversity in shapes, spatial arrangements, and intensity levels within the images. This paper focuses on reviewing and comparing various segmentation techniques, highlighting their respective strengths and weaknesses. 2024 IEEE. -
Securing Trust in the Connected World: Exploring IoT Security for Privacy in Connected Environments
This abstract delves into IoT security measures to ensure privacy in connected environments. It examines encryption, authentication, access control, and data privacy techniques. Key considerations include end-to-end security, vulnerability mitigation, regulatory compliance, and user trust. By addressing these challenges, trust can be established in the connected world, enabling the widespread adoption of IoT technologies while safeguarding user privacy. 2024 IEEE. -
Harnessing the Power of Simulation Games for Effective Teaching in Business Schools
This research delves into the effectiveness of simulation games, in business education specifically focusing on how they improve decision making skills, critical thinking, real world business applications, student engagement and problem-solving abilities. While simulation games are widely recognized as cutting edge tools that provide learning experiences beyond traditional methods there remains a gap in empirical research assessing their overall impact on educational outcomes. Using a combination of analysis and qualitative case studies this study seeks to address this gap by examining how simulation games influence factors in business education. The methodology involves using a one-way ANOVA to compare learning outcomes across business disciplines and conducting detailed case studies for context. The results reveal effects of integrating simulation games into curricula on the mentioned learning outcomes. These findings highlight the importance of incorporating simulation games into business education to enhance students learning experiences effectively. By offering insights on optimizing and tailoring the use of simulation games in education settings this study contributes to improving teaching practices in business schools and encourages research into the interaction, between educational technology and learning efficacy. 2024 IEEE. -
FIN2SUM: Advancing AI-Driven Financial Text Summarization with LLMs
In the modern financial sector, the rapid digitalization of financial reports necessitates efficient and reliable text summarization tools. This research introduces FIN2SUM, a novel framework designed for summarizing the managerial analysis and discussion sections of 10-K reports from top NASDAQ-listed companies. The study aims to evaluate Large Language Models (LLMs) in financial text summarization, highlighting LLAMA-2's adeptness in processing complex financial information, thus making FIN2SUM a vital tool for analysts and decision-makers. The methodology includes a thorough evaluation of three state-of-the-art LLMs - LLAMA-2, FLAN, and Claude 2 - using BERT and ROUGE scores. The research concludes that FIN2SUM, enhanced by LLAMA-2, significantly advances AI-driven financial text summarization. 2024 IEEE. -
A Study of the Influence of Investor Sentiment based on News and Event on the Cryptocurrency Market during Russia Ukraine War
As a new and emerging digital asset, Cryptocurrency has been traded for more than a decade, reaching a very high market capitalization and continuing to increase its volume of trading at a very rapid pace. Many countries have legalized or are considering legalizing cryptocurrency as a trading platform for this asset, and many companies worldwide accept it as a medium of exchange. As a result of this expansion, many researches in finance literature have focused on studying the efficiency of this cryptocurrency market. In line with this literature, this paper examines, using the abnormal returns and abnormal trading volumes methodologies, the dynamics of investors' reaction to the arrival of unexpected information like The Russia Ukraine War regarding the Cryptocurrency market in the context of the two hypotheses: the uncertain information and the efficient market hypotheses. 2024 IEEE. -
Classification of Skin Diseases Using Convolutional Neural Networks (VGG) with Histogram Equalization Preprocessing
Skin diseases are a major global health concern for which prompt and precise diagnosis is necessary for effective treatment. Convolutional neural networks (CNN), one of the deep learning techniques, have shown potential in automating the diagnostic procedure. The goal of this research is to enhance the effectiveness of skin disease categorization by fusing the capabilities of CNNs - particularly the VGG architecture - with the histogram equalization preprocessing method. In image processing, histogram equalization is a commonly used approach to enhance the contrast and general quality of medical photographs, which include photos of skin conditions. In order to improve the characteristics and details of dermatological pictures for this study, we employed histogram equalization as a preprocessing step. This allowed CNN to extract pertinent features more quickly. 2024 IEEE.