Browse Items (14421 total)
Sort by:
-
Relationship between Digital Learning, Digital Literacy and Academic Performance of Higher Education Students: Moderated Mediation Role of Critical Thinking
In today's rapidly evolving educational landscape, digital technologies have become increasingly prevalent, transforming how students access and engage with information. This study explores the relationships among digital learning, digital literacy, and academic performance in higher education, focusing on the moderating and mediating role of critical thinking. The adoption of digital learning platforms, such as online courses and virtual classrooms, has expanded educational access and flexibility. However, concerns regarding their effectiveness persist. Digital literacy, encompassing the ability to navigate digital tools and critically evaluate information, is crucial in this context. This research investigates how students' digital literacy levels influence their academic achievement and examines the mediating role of critical thinking in this relationship. Critical thinking is hypothesized to mediate the effects of digital literacy on academic performance and the impact of digital learning on critical thinking skills. Additionally, the study assesses whether critical thinking moderates the prime relationship between digital learning and academic performance. This descriptive, cross-sectional study employs structured questionnaires to gather primary data from 384 students enrolled in undergraduate, postgraduate, professional, and research programs at private universities in Bangalore, India. The findings indicate that the academic program significantly influences students' perceptions of digital literacy, digital learning, critical thinking, and academic performance, while demographic factors do not. Digital learning alone has a slight negative effect on academic performance, but digital literacy acts as a positive mediator, mitigating this impact. However, critical thinking does not significantly moderate the relationship between digital learning and academic performance. 2024, Iquz Galaxy Publisher. All rights reserved. -
Changing customer mindset in adopting digital financial services during the COVID-19 pandemic: Evidence from India
Digital Financial Services (DFS) have been growing steadily all over the world. The COVID-19 crisis has reinforced the need for DFS. This study aims to examine the growth of DFS in the global and Indian markets and to analyze the factors that change the mindsets and attitudes of adults towards the adoption of DFS during the pandemic. The growth of DFS is analyzed using secondary data. The changing customer mindset is studied and analyzed through primary data collected by a survey approach. The unit of analysis includes adults who use or prefer to use DFS. A total of 384 respondents, determined by Krejcie and Morgan formula, were personally interviewed. 384 is taken as sample size as this sample size avoids type II errors in the data analysis. The collected data were processed in SPSS21 software. The study results found that technological benefits (67.9%) have the most significant positive effect on changing people's mindsets and attitudes towards DFS followed by the pandemic forces (50.7%). Peer influences (33.2%) and perceived trust (38.3%) have also affected the change in mindsets and attitudes of adults regarding DFS. But the change in mindset is significantly and positively influenced by perceived risk (50.1%) rather than affecting negatively. So, the factors are confirmed again. The factors that drive changes in mindsets and attitudes of adults towards the adoption of DFS are Pandemic Forces & Convenience, Perceived Safety and Security, User Benefits and Experiences, Peer Influences, and Perceived Trust during the pandemic. Ravikumar T, Rajesh R, Krishna T A, Haresh R, Arjun B S, 2022. -
Differences in perceptions of employees towards knowledge management strategies in selected information technology companies in Bangalore
In older days, knowledge was passed verbally from one person to another. The industrial revolution changed the scenario and the emergence of factories and industries paved the need for systematic knowledge and it became more and more specialized as time passed. Since then, there has been an exponential growth in scientific and practical knowledge. In the twenty-first century, this process has taken rapid speed due to the improvements in information and communication technologies. Employees of the organizations have a varied opinion towards practicing knowledge management strategies in an organization. Some employees consider knowledge management as an opportunity and a few others like a burden. This article focuses on identifying and analyzing the differences in perceptions of employees towards knowledge management strategies in selected Information Technology companies in Bangalore. 2020 American Institute of Physics Inc.. All rights reserved. -
Financial stress, financial literacy, and financial insecurity in India's informal sector during COVID-19
The lockdowns and restrictions imposed to control COVID-19 have made life miserable for people, especially those involved in informal economic activities. The pandemic induced financial hardships, caused financial anxiety and financial stress among informal sector participants. This study aimed to measure and analyze the financial stress and financial insecurity of one of the important informal sector elements (street vendors) in India. Street vendors in Bangalore were interviewed in this descriptive research through personal interaction and telephonic interviews. The collected primary data were processed using SPSS statistical package. The results have indicated that the pandemic inflicted financial stress on street vendors irrespective of their gender, marital status, age, education, monthly income, and type of product dealt. Financial stress levels varied depending on the number of dependents of street vendors and their business nature. Financial literacy differed according to street vendors' marital status. A person becomes extremely sensitive and cautious in personal finance matters on getting married. Financial stress and financial literacy correlated negatively. 89.5% of street vendors perceived that they had financial insecurity in the future due to this pandemic. The results indicated that financial stress and financial literacy did not affect financial insecurity perceptions of street vendors. The predictors of financial insecurity have been marital status and the number of dependents of the street vendors (r2: 16.6%). However, marital status alone impacted the 6% variance in financial insecurity. This study concluded that the pandemic caused financial stress and financial insecurity among street vendors, but not financial stress and financial literacy. Thangaraj Ravikumar, Mali Sriram, S Girish, R Anuradha, M Gnanendra, 2022. -
Relationship between financial stress and financial well-being of micro and small business owners: Evidence from India
Micro and small businesses financially suffered due to COVID-19 in India. This financial suffering created financial stress among them and deteriorated their financial well-being. However, micro and small business owners exhibit financial resilience by bouncing back to regular business activities through their hope, optimism, and selfefficacy, which are the components of positive psychological capital. This study analyzes the relationship between financial stress and financial well-being of micro and small firm owners keeping financial resilience as a mediator and positive psychological capital as a moderator in the mediation. This descriptive analysis employed a survey method to collect primary data using the interview method. The interview method was used as most micro and small business owners are comfortable with interaction rather than filling out the questionnaires due to the language barrier. The sample size is 384 respondents, as per Krejcie and Morgan's formula. The mean scores indicate a moderate degree of financial stress (2.354), financial resilience (2.623), and financial well-being (2.637). The level of financial stress differs based on the respondents' gender. Financial stress is more among female business owners (2.504) than their male counterparts (2.265). Further, business owners who earn more have a higher level of financial resilience (2.985), psychological capital (2.951), and financial well-being (2.711). Financial stress significantly impacts financial well-being (28.4%). Financial resilience has a partial mediation effect (65%) on financial stress and financial well-being. Finally, psychological capital moderates indirect relationships among financial stress, financial resilience, and financial well-being. Thangaraj Ravikumar, Mali Sriram, Nagalingam Kannan, Issac Elias, Vinita Seshadri, 2022. -
Behavioural drivers of access-based consumption among millennial and generation Z in India
The world of consumerism is very dynamic, and technology driven changes in the field of consumerism are unavoidable especially among new generation customers millennial and generation Z. The customers, especially in urban areas, gradually move from ownership-based consumption to access-based consumption. The purpose of this study is to explore the behavioural drivers of new generation customers towards access-based consumption. The study is descriptive in nature and employed a survey method for data collection. The drivers identified are tested through a quantitative study and the primary data are collected using online questionnaires. The study has also analysed the impact of behavioural drivers on current usage of access-based consumption as well as on willingness to use access-based consumption in the future. The study has found that sustainability is the only driver that significantly motivates access-based consumption in Indian urban areas. Copyright 2022 Inderscience Enterprises Ltd. -
Digital financial literacy among adults in India: measurement and validation
The ongoing COVID-19 pandemic has considerably promoted the usage of Digital Financial Services (DFS) in India. Therefore, exploring the various determinants influencing the DFS users is crucial for the DFS providers to understand their customers better. This study aims to identify, measure, and validate the determinants of Digital Financial Literacy (DFL) from the Indian adults who use Digital Financial Services. A sample of 384 adult DFS users from India was surveyed using a self-administered questionnaire in 2021. A multidimensional scale was developed to measure the Digital Financial Literacy in this study. The results exhibit that Digital Knowledge, Financial Knowledge, Knowledge of DFS, Awareness of Digital Finance Risk, Digital Finance Risk Control, Knowledge of Customer Right, Product Suitability, Product Quality, Gendered Social Norm, Practical Application of Knowledge and Skill, Self-determination to use the Knowledge and Skill and Decision Making are the determinants of DFL among the adults in India. Further, the users of DFS without DFL will face numerous challenges such as inability to com-plete the transaction, financial loss and privacy breach, etc. Hence, the study concludes that DFL is prerequisite to use DFS effectively. 2022 The Author(s). This open access article is distributed under a Creative. -
Impact of digital payments on economic growth: Evidence from India
In recent years, economic transactions are carried out through electronic or online or cashless means all over the world especially in developed countries and developing countries like India. As a result of increased digital means of payment has brought down usage of cash transactions in the economy. Digital transactions have the features of speed, less cost, and comfort. A well functioning digital payment system has much relevance on overall economic activity, monetary policy, and financial stability of a country. This study tries to verify the impact of digital payments on the economic growth of India. The economic growth is measured through a proxy real Gross Domestic Product. Digital payments are measured using Real Time Gross Settlement (RTGS), Clearing Corporation of India Ltd (CCIL) operated systems, paper clearing, retail electronic clearing, Card payments, and Prepaid Payment Instruments (PPIs). Data for digital payments and real GDP are collected from the year 2011 to 2019. Ordinary Least Square Regression, Auto-Regressive Distributed Lag (ADRL) co-integration approach and ARDL Bounds test are employed for the analysis. The study results reveal that digital payments impact economic growth significantly in the short run. But, digital payments dont impact economic growth in the long-run. BEIESP. -
Strategic retention for sustainable growth: Integrating employee retention with long-term organizational success
The research investigates how employee retention approaches fuel business expansion through their contribution to operational sustainability and market solidity and organizational endurance. Businesses that adopt official retention strategies diminish turnover rates and develop innovative approaches to expand global markets. Businesses which merge HR and leadership insights with data analytics make workforce management match organizational goals thus creating an environment where retention acts as a performance driver. Active retention programs in dynamic business environments produce operational improvements along with enhanced innovation because they empower workers to address business challenges successfully. Through this study researchers demonstrate why organizations need full-scale support measures that include workforce development alongside mentoring services along with workplace flexibility policies for maintaining employee involvement. 2026, IGI Global Scientific Publishing. All rights reserved. -
A comprehensive literature review on financial inclusion /
Asian Journal Of Research In Banking And Financial, Vol.7, Issue 8, pp.119-133, ISSN: 2249-7323. -
Digital Financial Inclusion and Financial Resilience of Micro and Small Entrepreneurs in Post-COVID-19 in Karnataka
In India, Micro, Small, and Medium Enterprises contribute 29% of the GDP and create millions of works. However, MSMEs have continuously been facing numerous issues and further, micro and small enterprises are hardly hit by the COVID-19 pandemic. The traditional financial system has certain limitations. The new-age technology-enabled digital finance overcomes the supply-side constraints and they serve even the financially excluded individuals and businesses through its innovative business strategies, models, products, and services which are designed and delivered by "Artificial Intelligence", "Machine Learning", "Big Data Analytics", and "Blockchain Technology". Digital Finance Adoption (DFA) depends on the digital financial literacy (DFL) of the users. This study analyses the role of DFA and DFL on the "Digital Financial Inclusion" (DFI) and "Financial resilience" (FR) of MSEs in Karnataka, India. 2025, Indian Institute of Finance. All rgihts reserved. -
A Compact Multi-Input DC-DC Converter for Smart Grid and Electric Mobility Applications
This paper presents the design and simulation of a compact multi-input DC-DC boost converter intended for renewable energy integration and electric mobility applications. The proposed architecture allows the simultaneous interfacing of photovoltaic panels, fuel cells, and battery banks to a common DC bus, enabling seamless energy management and hybrid source utilization. A maximum power point tracking (MPPT) algorithm is embedded to optimize PV energy extraction under varying environmental conditions. MATLAB/Simulink models are developed to analyze performance parameters including voltage gain, current ripple, power stability, and total harmonic distortion (THD). The converter achieves a stable DC output of 400 V from input ranges of 24-48 V while maintaining efficiency above 95%. Results confirm reduced current ripple (<50 mV) and THD below 3%, in compliance with IEEE standards for grid-connected power systems. The duty cycle modulation strategy minimizes diode voltage stress and optimizes transient response. Furthermore, grid synchronization tests validate the converter's capability for three-phase AC output with minimal distortion, making it suitable for smart grid integration and electric vehicle charging infrastructure. The proposed converter presents a viable alternative for sustainable and high-performance power electronic systems due to its compact size, reduced component count, and enhanced efficiency. 2025 IEEE. -
An Empirical Examination of the Factors of Big Data Analytics Implementation in Supply Chain Management and Logistics
Numerous companies have effectively exploited Big Data Analytics (BDA) potential to enhance their effectiveness in the Big Data period. Given that big data application in logistics and supply chain management (SCM) is nevertheless in its early stages, assessments of BDA could differ from various viewpoints, producing certain difficulties in comprehending the significance and potential of big data. Based on past research on BDA and SCM, this work examines the factors that influence organizations' willingness to implement BDA in their everyday activities. This research divides potential elements into 4 groups: technical, firm, ecological, and supply chain issues. A framework consisting of direct factors like technical, firm, and mediators was presented based on the technology diffusion hypothesis. The experimental findings demonstrated that anticipated advantages and high-level management assistance might have a considerable impact on intended adoption. Furthermore, ecological variables like competitive adoption, administration legislation, and supply chain connection can greatly alter the direct connections between influencing causes and intended adoption. 2023 IEEE. -
Unveiling Powerful Machine Learning Strategies for Detecting Malware in Modern Digital Environment
Machine learning has emerged as formidable instrument in realm of malware detection exhibiting capacity to dynamically adapt to ever-shifting topography of digital hazards. This study presents an exhaustive comparative analysis of four intricate machine learning algorithms namely XGBoost Classifier, K-Nearest Neighbors (KNN) Classifier, Binomial Logistic Regression and Random Forest with primary objective of assessing their effectiveness in domain of malware detection. Conventional signature-based detection methodologies have struggled to synchronize with rapid mutations exhibited by malware variants. In sharp contrast machine learning algorithms proffer data-centric approach adept at unraveling intricate data patterns thereby enabling identification of both well-known and hitherto uncharted threats. To meticulously appraise efficacy of these machine learning models we employ stringent set of evaluation metrics. Precision, recall, F1 Score, testing accuracy and training accuracy are meticulously scrutinized to ascertain distinctive strengths and frailties of these algorithms. By providing comparative analysis of machine learning algorithms within milieu of malware detection this research engenders significant contribution to ongoing endeavor of fortifying cybersecurity. Resultant analysis elucidates that each algorithm possesses its unique competencies. XGBoost Classifier showcases remarkable precision (Benign files: 99%, Malicious files: 99%), recall (Benign files: 97%, Malicious files: 99%) and F1 Score (Benign files: 98%, Malicious files: 99%) implying its aptitude for precise malware identification. KNN Classifier excels in discerning benign software exhibiting precision (Benign files: 90%) and recall (Benign files: 91%) to mitigate likelihood of erroneous positives. The Author(s), under exclusive license to Springer Nature Switzerland AG 2024. -
A characterization of star-perfect graphs
Motivated by Berge perfect graphs, we define star-perfect graphs and characterize them. For a finite simple graph G(V, E), let (Formula presented.) denote the minimum number of induced stars contained in G such that the union of their vertex sets is V(G), and let (Formula presented.) denote the maximum number of vertices in G such that no two of them are contained in the same induced star of G. We call a graph G star-perfect if (Formula presented.), for every induced subgraph H of G. A graph G is star-perfect if and only if G is (Formula presented.) -free, for every (Formula presented.). A bipartite graph G is star-perfect if and only if every induced cycle in G is of length (Formula presented.). The minimum parameter (Formula presented.) and the maximum parameter (Formula presented.) have been extensively studied in various contexts. 2024 The Author(s). Published with license by Taylor & Francis Group, LLC. -
ODD SUN-FREE TRIANGULATED GRAPHS ARE S-PERFECT
For a graph G with the vertex set V (G) and the edge set E(G) and a star subgraph S of G, let ?S(G) be the maximum number of vertices in G such that no two of them are in the same star subgraph S and ?S(G) be the minimum number of star sub-graph S that cover the vertices of G. A graph G is called S-perfect if for every induced subgraph H of G, ?S(H) = ?S(H). Motivated by perfect graphs discovered by Berge, Ravindra in-troduced S-perfect graphs. In this paper we prove that a trian-gulated graph is S-perfect if and only if G is odd sun-free. This result leads to a conjecture which if proved is a structural char-acterization of S-perfect graphs in terms of forbidden subgraphs. 2025, Diogenes Co. Ltd.. All rights reserved. -
Effect of Heat Treatment on Fatigue Characteristics of En8 Steel
Fatigue failure is an important factor in most of the engineering applications, especially in steel materials, and among the steel materials, it is an important phenomena in medium carbon steels like EN8, which is very commonly used in components like shaft, gears etc., since it is prone to fatigue failure. Hence, without changing the composition, an attempt is made to enhance the fatigue strength by different heat treatment techniques. In this study, the investigation is carried out on heat treatment of EN8 steel material. Various kinds of heat treatment techniques like quench and temper, normalizing and annealing are performed on EN8 steel. After exposure to the heat treatment, the EN 8 steel material specimens are machined as per the ASTM standards and are subjected to RR MOORE test and SN-curves are plotted from the obtained results; the obtained results from the fatigue tests are further analyzed with the help of ANSYS software. Fatigue life and Factor of Safety (FOS) comparisons for EN 8 steel material is made with the structural steel material and it is found from the comparisons, that the heat treatment process enhances the fatigue strength and endurance limit. Published under licence by IOP Publishing Ltd. -
Bibliometric Analysis of AI Research in Sustainable Smart Cities
Smart cities have the potential to improve city-wide governance, environmental sustainability, sustainable transportation, and economic growth. Urban areas may find these advantages useful in their pursuit of SDG-11 objectives. A key component of smart city architecture is the addition of artificial intelligence (AI) and other smart technology into urban areas. The Artificial Neural Network (ANN) is a major machine learning approach. A number of review studies have already been published, reflecting the substantial interest in artificial neural networks (ANN) for smart city applications. In the past, researchers have shown an interest in studying structural monitoring applications, transportation systems, cybersecurity, and the Internet of Things (IoT). But knowledge about how ANN can help Smart Cities achieve SDG-11 is limited. This paper provides a systematic bibliometric analysis of present research trends on artificial neural networks for smart cities, with an emphasis on SDG-11. The research employed a keyword-based search to obtain 131 papers for content analysis and 743 papers for descriptive analysis. Both the amount of interest in the topic and the tendency for related topics to cluster have increased exponentially, according to the findings. Urbanization, Transportation, and Eco-friendly were identified as the main topics of this study. Specifically, this evaluation focuses on particular SDG-11 issues and provides insights on research trends and thematic importance. 2025 Saravanan Krishnan, A. Jose Anand and Raghvendra Kumar. -
Secured Health Insurance Management
Many Low- and Middle-Income Countries (LMICs) have expanded their healthcare coverage over the past decade thanks to reforms and investments motivated by Universal Health Coverage (UHC). UHC strives to guarantee that all individuals have access to high-quality healthcare, protecting them from public health hazards and financial hardship caused by the need to treat sick family members. With UHC as its end objective, this study examines health insurances function as a policy instrument to address health funding. Here, researchers study the laws to ensure that all Indians have access to health care and how technology facilitates quicker participation in health insurance programs. The data was collected between August and October of 2022. The study was designed as a cross-sectional case study: (i) the research on the effects of UHC, (ii) documents about Indias health insurance systems (HIS), and (iii) a discussion of the benefits and challenges of using MedStrat, a homegrown digital Health Insurance Management System (HIMS), to run health insurance programs across different states in India. Data from research and document evaluations, as well as health insurance statistics, were triangulated with modern technology adoption models to determine (i) factors that influence the rate at which digital insurance plans are adopted, (ii) the effect of technology on increasing peoples access to health insurance; and (iii) the potential for the digital insurance intervention to be scaled further. Digital insurance administration systems can increase insurance enrolment, especially among low-income households. There are three enabling contexts for digital insurance plan adoption: supportive regulation, public-private partnerships, and ongoing stakeholder contact and education. There are three essential requirements for digital health insurance programs to be widely adopted in India and other similar situations. (i) user-friendliness; (ii) an established network for digital insurance policies; and (iii) confidence, which may be shown through measures like encrypted data storage, complete audit trails, and built-in fraud protection. Our results prove that digital health technologies hold great promise for achieving UHC in LMICs. 2024 Scrivener Publishing LLC. -
Impact of Childhood Trauma on Psychological Distress and Personality Pathology in Young Adults
Adulthood is a time of change, thus stressful. A predetermining factor to this is a provision for a safe environment during the crucial years of life (childhood). Children make meanings of everything and are more dynamic in the early developmental years. It is a basis for their overall development and defines their coping mechanisms during adulthood. Therefore, if they develop faulty meanings of themselves, others, and the world at large, it can alter their abilities to function during adulthood. It is fundamental to understand the psychological well-being and personality traits in adulthood by this very nature of traumatic experiences in childhood. This paper is a conceptual framework discussing a three-tier model to retrospectively understand the impact of childhood trauma on psychological distress and personality pathology in adulthood. This paper suggests future research to focus on developing intervention and prevention models for young adults (childhood trauma survivors) on positive parenting practices. The Electrochemical Society