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Chatbot Service Quality in Banking : Analyzing Indian Banking Customer Perceptions and Influence on Customer Satisfaction and Value
Purpose: The study has two objectives: first, to determine the quality of chatbot services provided by Indian banks; second, to assess the influence of chatbot service quality variables on customer satisfaction and customer value. Research Methodology: The study used a quantitative methodology, selecting individuals at random from a group of Indian banking clients. We used a questionnaire to collect data from the selected sample as part of a causal research investigation. We made use of SPSS and Python for this analysis. Customer satisfaction and value were taken into account as the dependent variables in our study. The seven elements of service qualityfunctionality, convenience, security, design, customization, enjoyment, and assurancemade up the independent variables. Findings: According to this study, client satisfaction and value were significantly shaped by the quality of the services provided. Customers value was significantly impacted by functionality and enjoyment, and their satisfaction was greatly influenced by assurance, design, and personalization. The unexpected negative impact assurance had on customer value is noteworthy and calls for more research. Practical Implications: In the highly competitive banking industry, this research has important ramifications for banks. It highlighted how important service quality is, which led banks to give priority to customer pleasure and think about making strategic changes. Banks could obtain a competitive advantage by improving the quality of their services, improving chatbot services, and implementing a customer-centric strategy by utilizing the research findings that have been presented. Our research helped banks evolve with the needs of their customers in mind, enabling them to gain credibility, repeat business, and long-term success in the ever-changing banking services market. Originality/Value: This study examined how consumers in Indian banks perceive the value and satisfaction of chatbot services and how they use them. The study provided useful recommendations and concepts to improve the general consumer experience. 2024, Associated Management Consultants Pvt. Ltd.. All rights reserved. -
Unheard and Unseen: Exploring the Disenfranchisement of Perinatal Loss in North-Indian Men
Mental distress is recognised as common following perinatal loss. But often, existing literature and bereavement care standards focus on women, leaving a gap in understanding mens grief. This qualitative study examined the emotional experiences of males from some Northern states of India, who had experienced perinatal loss, with a focus on grief disenfranchisement. Eleven participants were interviewed using a semi-structured guide. Thematic analysis unveiled themes on the intersection of religiosity and grief, social structuring of grief patterns, gender-based grieving, inhibited expression of grief in men, disenfranchisement of grief, self-focused coping, coping with the help of others, and interpersonal barriers to emotional disclosure. The findings provide valuable insights, helping mental health practitioners better understand mens experiences of perinatal loss and develop more effective support strategies. 2024 SAGE Publications. -
Sustainability in hospitality: The pathway to destination well-being in the "City of Lakes" Udaipur
With the rising popularity and a surge in demand for the "City of Lakes" Udaipur, the lake ecosystem has become vulnerable to various anthropogenic activities and pollution. The restricted structure of hotels on the lakefront faces various challenges in maintaining environmental regulations. This chapter explores hotels on the lakeside in Udaipur, which includes heritage hotels and modern accommodations, and their sustainability practices, such as energy efficiency, waste management, water conservation, and eco-design in hospitality architecture. Best practices in Udaipur's hospitality industry are explored through observation, document analysis, and interviews. The chapter establishes how circular economy builds environmental quality while regenerating resources. The implications of the study indicate a transformation of tourism governance in Udaipur by local authorities and academicians, which indeed can contribute to achieving a destination's well-being by addressing the challenges posed by the thriving tourism economy. 2024, IGI Global. -
Crafting an experiencescape for sustainable cultural tourism: A case study of udaipur's craft village "Shilpgram"
India, known for its rich and varied cultural heritage, hosts numerous fairs and festivals as vibrant platforms to showcase its diversity. Events like the Kala Ghoda Arts Festival, Ellora-Ajanta International Festival, Surajkund Crafts Mela, Pushkar Fair, and many others celebrate the country's artistic and cultural wealth. This book chapter explores sustainable culture and heritage development in Udaipur's craft village, 'Shilpgram.' The village hosts an annual craft fair during the peak tourist season, attracting artists across India to showcase their unique crafts, folk dances, and paintings. This chapter assesses Shilpgram's feasibility as an experiencescape model using a case study method. Interviews with key stakeholders provided insight into the destination's difficulties, strengths, and best practices. The study adds to our understanding of cultural locations' responsibilities in cultural tourism by balancing historical preservation with current expectations. 2023, IGI Global. All rights reserved. -
Unheard and Unseen: Exploring the Disenfranchisement of Perinatal Loss in North-Indian Men
Mental distress is recognised as common following perinatal loss. But often, existing literature and bereavement care standards focus on women, leaving a gap in understanding mens grief. This qualitative study examined the emotional experiences of males from some Northern states of India, who had experienced perinatal loss, with a focus on grief disenfranchisement. Eleven participants were interviewed using a semi-structured guide. Thematic analysis unveiled themes on the intersection of religiosity and grief, social structuring of grief patterns, gender-based grieving, inhibited expression of grief in men, disenfranchisement of grief, self-focused coping, coping with the help of others, and interpersonal barriers to emotional disclosure. The findings provide valuable insights, helping mental health practitioners better understand mens experiences of perinatal loss and develop more effective support strategies. 2024 SAGE Publications. -
Catalyzing Security and Efficiency: Blockchains Integration with IoT and Cloud Computing
Blockchain technology is a system that combines a number of computer technologies, encryption, shared storage, namely intelligent contracts, consensus processes, and peer-to-peer (P2P) networks. This research project begins with a description of the architecture of blockchains, followed by a comparison of the various consensus techniques used across various blockchain implementations. This studys scope includes a thorough analysis of the entire blockchain ecosystem. Our investigation also explores the complexity of the consensus models built into different blockchain platforms. This research painstakingly dissects these elements to pinpoint crucial elements that are essential for propelling the adoption and development of blockchain technology. In conclusion, our research corrects misconceptions about blockchains expansive potential and helps to direct the development of the technology across a wide range of industries. These results are significant for determining the future direction of blockchains enduring influence. The Author(s), under exclusive license to Springer Nature Singapore Pte Ltd. 2024. -
Measuring Financial Inclusion in India: An Approach
In light of the COVID-19-induced financial crisis, the need for robust financial services and networks has become more apparent than ever, which necessitated the accurate measurement of the breadth of financial inclusion in India. First, the study conducted a detailed critical review of the current indices and their construction methodology. Then, we created a financial inclusion index for India by accounting for the flaws existing in the current indices. The primary contribution of this study to the existing literature is the new approach it proposed for the assignment of weights in the financial inclusion index. Based on this new financial inclusion index, the study concluded that Indias Southern states and union territories showed better financial inclusion. In contrast, the traditionally backward BIMARU states of Bihar, Madhya Pradesh, Rajasthan, and Uttar Pradesh, and a few of the North Eastern states of India, lagged. The study also provided a refined and inclusive definition of financial inclusion based on its new approach to index creation. 2023, Associated Management Consultants Pvt. Ltd.. All rights reserved. -
Augmented Reality-Enabled Education for Middle Schools
Augmented reality acts as an add-on to teachers while teaching students, and this helps the teachers and students to have an interactive session. Augmented realitys usage in education is cited as one of the major changes in the educational sector. Thus, the work carried out makes a positive impact in the educational industry. Augmented reality provides features like image recogntion, motion tracking, facial recognition, plane detection, etc., to provide interactive sessions. Simultaneous localization and mapping and concurrent odometry and mapping have proved to be efficient algorithms for augmented reality on mobile devices. The work carried out allows students to view interactive newspapers while reading a specific article. It also allows them to view a dynamic three-dimensional model of the solar system on their smartphone using augmented reality. 2020, Springer Nature Singapore Pte Ltd. -
FinTech for Sustainable Financial Market Innovation: The FinTech Transformation of Traditional Finance
Fintech is transforming the traditional banking industry, resulting in creative solutions that enhance financial market sustainability. This section examines how financial technologies like blockchain, AI, mobile banking, and digital payment systems are changing banking operations to make them more transparent, efficient, and accessible. It also examines how Fintech may drive long-term financial innovation by increasing financial inclusion, lowering operating costs, and encouraging green banking activities. This chapter uses case studies and practical examples to investigate the influence of Fintech on the banking system, emphasizing green lending, digital currencies, and sustainable investing platforms. Adopting new technology presents operational and regulatory problems for banks. The global financial system is becoming increasingly dependent on sustainability, as seen by how banks use Fintech to meet the growing demands of ESG standards. This section examines how digital banking platforms, AI risk assessment algorithms, and blockchain green bonds might help banks allocate resources more responsibly. By adopting these technologies, banks can reduce their environmental impact while meeting the rising demand for ethical and accountable financial services. 2026 Nova Science Publishers, Inc. -
Integrating Explainability and Fairness in Credit Risk Prediction: A Hybrid Approach Using Tabnet, LightGBM, SHAP, and Counterfactual Explanations on the FICO Dataset
Transparent and fair credit risk assessment is essential for responsible lending in modern financial systems. This paper presents an interpretable and ethically grounded machine learning framework for loan default prediction using the FICO Explainability Challenge dataset. We combine LightGBM, a high-performing gradient boosting model for tabular data, with TabNet, a deep learning architecture that provides intrinsic interpretability through attentive feature selection. To enhance transparency, SHapley Additive exPlanations (SHAP) are employed for global and local feature attribution, while counterfactual explanations generated using the DiCE framework offer actionable recourse. Fairness is evaluated and mitigated using IBM's AI Fairness 360 toolkit. Experimental results demonstrate that the proposed hybrid approach achieves strong predictive performance while ensuring interpretability and fairness, making it suitable for trustworthy and regulation-compliant credit risk modeling. 2026 IEEE. -
Market Trends in Quantum-Inspired Soft Computing for Intelligent Data Processing
Quantum-Inspired Soft Computing (QISC) is an advanced concept in computational intelligence in the current era of hi-technology, which has been adapted to principles underpinning quantum mechanics, including superposition and entanglement in the conven tional computing systems. The current chapter aims to identify the growing trends in the market environment concerning QISC for intelligence data processing, specifying the aspects of its applicability, costuse ratio, and adaptability among different industries. The increased need for the utilization of enhanced methods of data handling arising from big data and AI progress has made QISC viable for handling optimization problems, machine learning, and predictive modeling in addition to quantum computing. Major business sectors, such as finance, health care, supply chain, and energy sectors, have benefited from the use of QISC to enhance operational management, decision making, and system reliability. This chapter also discusses how leading players such as Microsoft, IBM, and DWave are in the course of incorporating QISC in cloud environments as well as in hybrid computing systems. Advancements in hardware, such as GPUs and quantum-inspired processors, and in algorithms, such as tensor networks and reinforcement learning, have further extended the usage of QISC. However, there are issues such as standardization, interdisciplinary qualified staff, and computational complexity, which remain important unsolved tasks for further investigation and cooperation. This chapter ends by briefly pointing out new directions for how QISC can work with AI for NLP and real-time analysis. Understanding QISC in terms of its current market and its positive impact on the future of computational intelligence is the focus of this chapter, which focuses on current market trends. Analyzing key trends and the degree of industry adoption, the research findings provide useful perspectives for academic, practical, and policy purposes. 2026 Scrivener Publishing LLC. -
The role of psychological capital in shaping climate anxiety across generations
Background: Climate change has transitioned from a distant environmental issue to an immediate psychological reality that profoundly affects how individuals perceive their future and well-being. This study investigates generational differences in climate anxiety and examines the role of psychological capital (PsyCap) as a potential protective resource through the lens of Environmental Identity Theory (EIT). Methods: A cross-sectional survey was conducted among 384 participants in Kerala, India, comprising Generation X (33.6%), Millennials (29.9%), and Generation Z (36.5%). Climate anxiety was measured using the Climate Anxiety Scale (Clayton & Karazsia, 2020), and PsyCap was assessed through the PCQ-12, encompassing hope, efficacy, resilience, and optimism. Data were analyzed using ANOVA and multiple regression, with effect sizes and confidence intervals reported. Results: Significant generational differences emerged for both cognitiveemotional impairment (F(2,381) = 3.83, p =.023) and functional impairment (F(2,381) = 6.15, p =.002). Gen Z reported significantly higher anxiety levels than Millennials (p =.045, d = ? 0.29*) and Gen X (p =.011, d = ? 0.35*). Regression analyses indicated that PsyCap and generation jointly predicted cognitiveemotional (R = 0.04, p =.008) and functional impairments (R = 0.056, p =.001), with self-efficacy emerging as a significant negatively associated with functional impairment (B = ? 0.12, p =.043). Conclusion: Gen Z experiences greater emotional and functional impacts of climate anxiety compared to older cohorts, while self-efficacy offers a modest buffering effect for functional impairment. These findings underscore the need for interventions that strengthen psychological resources and adaptive coping to mitigate climate-related distress among younger populations. The Author(s) 2026. -
Phytochemicals in Lemongrass (Cymbopogon citratus) Contributing to Growth and Disease Resistance in Goldfish (Carassius auratus Linn. 1758): Integration of Molecular Docking and Statistical Analyses
The ornamental fish industry has experienced significant growth with species like goldfish (Carassius auratus) gaining popularity for their vibrant appearance and ease of care. However, bacterial infections, particularly those caused by Aeromonas hydrophila, pose a significant threat to fish health and market value. In this study, visibly diseased goldfish exhibiting symptoms such as fin rot, black spots, tail rotting and skin lesions were divided into control and treated groups. The treated group was fed lemongrass (Cymbopogon citratus)-coated pellets, while the control group received standard feed. Over a three-week trial, visual improvements, including the healing of fin rot were documented, demonstrating the effectiveness of lemongrass-enhanced feed in promoting recovery and growth. GC-MS analysis of fresh lemongrass leaves identified key bioactive compounds, including citral, tetra decanoic acid, trans-verbenol and 1-undecanol, known for their antimicrobial properties. These findings confirmed the presence of phytochemicals with potential therapeutic applications against bacterial infections. Molecular docking studies further evaluated the interactions of prominent lemongrass phytochemicals: Procyanidin B2, Diosmin, Catechin and Tricin, with A. hydrophila outer membrane protein (3OD9). The results demonstrated strong binding affinities with Procyanidin B2 showing the highest (-8.0 kcal/mol), followed by Diosmin (-7.8 kcal/mol), Catechin (-7.6 kcal/mol) and Tricin (-7.6 kcal/mol), indicating their potential to inhibit bacterial pathogenicity. This study highlights the dual role of lemongrass as a natural growth promoter and antibacterial agent, emphasizing its potential as a sustainable and eco-friendly alternative to antibiotics in aquaculture. By effectively managing bacterial infections and improving fish health, lemongrass offers a promising solution for enhancing sustainability in aquaculture. 2026, World Researchers Associations. All rights reserved. -
Developing a global sustainable electricity use index using the pressure-state-response framework
This study analyse and compare the sustainable electricity usage in 60 countries listed on the official websites of World Energy Consumption Statistics and Climate Bond Initiative. The study also analyses the impact of increased usage of sustainable electricity on the economies' dependence on non-renewable energy sources in the evaluation system. We used a standard index system based on the Pressure-State Response (PSR) model to measure global sustainable electricity usage. Model results convey that Norway is the best performer in sustainable electricity usage, while several European countries display commendable scores, confirming their commitment to sustainable electricity practices. On the other hand, despite being the leading economies in terms of GDP, major economies such as the United States, China, Japan, and India have underperformed compared to others in the evaluation system. The study employs regression techniques to explain the relationship between sustainable electricity usage and non-renewable energy dependence. Results confirm a negative relationship between the variables, indicating the role of sustainable energy practices in reducing fossil fuel consumption. It emphasizes the urgency of a balanced approach to economic growth and natural resource usage to support a green future. 2024 Elsevier Ltd -
Relative Efficiencies of Farmer Producer Companies in India- Slack-Based Model Approach
The concept of the farmer producer company (FPC) model has received a large momentum especially during the 20202021 farmers' protest in India. This paper examines the relative efficiencies of 46 FPCs in Kerala using non-radial data envelopment analysis (DEA) for the financial year 2018-19. We use a non-oriented slack-based model (SBM) under assumptions of constant and variable returns to scale. The results reveal that 36.96 per cent of the sample FPCs are overall technical efficient and 50 per cent of the FPCs are pure technical efficient. It is found that technical inefficiency is reported for a few FPCs due to scale inefficiency. Among the input and output targets suggested for inefficient FPCs, reduction in the 'number of shareholders' and augmentation of 'profits' reported in most cases to improve their efficiency scores. Based on the findings, we suggest the concerned stakeholders to provide additional financial and non-financial supports to the needy rather than focusing on establishing new FPCs. 2022 IEEE. -
Efficiency study of coconut producer companies in India-A DEA approach
The concept of the Farmer Producer Company (FPC) model has been a hot issue, especially during the 2020-21 Indian farmers' protest. Considering the pioneering initiatives of the Coconut Development Board (CDB) in setting up CPCs, we compare the technical efficiencies of CPCs that focus on coconut and its byproducts in Rural India for two consecutive financial years (2018-19 and 2019-20). Coconut Producer Companies' efficiency scores are estimated using Data Envelopment Analysis (DEA), a mathematical technique to assess technical efficiencies across homogeneous units. The results reveal that 35.11 percent of the sampled CPCs for FY 2018-19 are overall technical efficient, and approximately 76 percent are purely technical efficient. It is found that technical inefficiency is reported for a few CPCs due to scale inefficiency. The overall technical and pure technical efficiency have improved in FY 2019-20 compared to the previous period. 2024 Srinesh Thakur, Anvita Electronics, 16-11-762, Vijetha Golden Empire, Hyderabad. -
Analysing the impact of oil prices, economic activity, and trade policy uncertainty on CO2 emissions in the US context: A wavelet approach
This study examines the simultaneous co-movements between oil prices, economic activity, trade policy uncertainty, and CO2 emissions in the United States using a series of wavelet methodologies. Unlike traditional approaches, the wavelet approach is appropriate for understanding the time-varying associations at different frequencies and is designed to efficiently handle the non-stationary nature of economic and environmental time series data. The empirical results highlight the potential of a leading relationship where economic activities and trade policy uncertainties drive CO2 emissions in the US during the period from January 1990 to January 2022. Contrarily, the link between oil prices and CO2 emissions is characterized by intricate dynamics, exhibiting both lagging and leading co-movements at different frequencies. Moreover, economic activities have a positive impact on CO2 emissions, while in the high quantile tails, trade policy uncertainty decreases CO2 emissions. This means economic activity is slowing down during the period of high trade policy uncertainty. Our findings highlight the necessity of specific policies that reconcile economic growth with environmental sustainability, manage the effect of oil price changes on CO2 emissions, and match trade policies with emission-minimizing goals. Based on the results, this research offers important implications for policymakers to ensure the equilibrium between economic activity and environmental management within the scope of sustainable development goals. 2025 International Association for Gondwana Research -
Depth Wise Separable Convolutional Neural Network with Context Axial Reverse Attention Based Sentiment Analysis on Movie Reviews
Sentiment Analysis (SA) in movie reviews involves using natural language processing techniques to determine the sentiment expressed in reviews. This analysis helps in understanding the overall audience sentiment towards a movie, categorizing reviews as positive, negative, or neutral. It's useful for filmmakers, marketers, and audiences. The existing methods does not provide sufficient accuracy, error rate and complexity was increased. To overcome the aforementioned problem, Depth Wise Separable Convolutional Neural Networks with Context Axial Reverse Attention Network (DWSCNN-CARAN) is proposed for accurately classifying SA in movie reviews. In this input image is taken from two datasets such as IMDB dataset and Polarity dataset. The pre-processing is done using six steps namely, Cleaning, Tokenization, Case Folding, Normalization, Stop Word Elimination, and Stemming for the purpose of removing noises. Following that feature extraction are done using Bag-Of-Words and Term Frequency-Inverse Document Frequency (BOW-TF-IDF). After that classification are done using Depth Wise Separable Convolutional Neural Networks with Context Axial Reverse Attention Network (DWSCNN-CARAN)for classifying the AS in movie reviews. The efficiency of the proposed DWSCNN-CARAN-BOA is analyzed using a dataset and attains 99.94% accuracy, 98.76% recall and attains better results compared with the existing methods. In the future, this approach will use the adversarial instances it generated to conduct adversarial training and assess the potential improvement in classification performance. It also looks into the possibilities of creating adversarial examples at the word and sentence levels by combining structured knowledge from high-quality knowledge bases. 2024 IEEE. -
A Comparative Study of Pollution Levels in Major Cities of India During Covid-19 in India
This paper aims to study the major pollutants of the four metro cities of India before and after covid 19 first wave. The cities considered for the study are Bangalore, Delhi, Mumbai, and Kolkata. The major pollutants considered for the study are PM2.5, PM10, NO, NO2, NOx, SO2, CO, and Ozone. The basic aim of the study is to find the effect of lockdown and covid restrictions on the level of pollutants across the four major cities of India. We used both parametric and non-parametric tests for the analysis using SPSS. From the study, it is clear that there is a significant decrease in all the major pollutants across India's major cities.6. 2023, University of Wollongong. All rights reserved. -
Cultural quotient: Evolving culturally intelligent business scholar-practitioners
Analytical competency is an essential skill when it comes to the present-day business scenario of the world. However, these days we see a shift in the business needs when it comes to working in a globalized environment. Not only is the intelligence quotient (IQ) looked at but organizations these days are in pursuit of individuals who have another side to their profile - the culturally intelligent side (assessed using the cultural quotient). The need of such a skill can be attributed to the fact that organizations are now churning out their human side of addressing the employees when it comes to ensuring that they blend in the organization with ease. Acquiring a workforce which possesses high cultural intelligence can be a tough task; however, training employees to become culturally competent can be a doable task. Like any other personality trait which can be imbibed over time through constant analysis and observation, cultural competency is one such area which may be cultivated through various methodologies and practices. 2018, IGI Global.