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                <text>Financial Lexicon based Sentiment Prediction for Earnings Call Transcripts for Market Intelligence</text>
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                <text>Classification; Earnings Call Transcripts (ECT); Inverse Effect; Lexicon; Sentiments; Stock Price</text>
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                <text>Sentiment based stock price direction detection has been an exciting study in the field of finance which is drawing a lot of attention from the investor community. Sentiments are used to detect the changes in the stock price movements for the subsequent periods. Investor community uses these sentiments derived from news, celebrity speech and events to plan trading and investment strategies. Several studies have been done in the past with sentiments, but use of Earnings Call Transcripts (ECT) has not been explored for market intelligence hitherto. Standard dictionary based lexicons like Vader, AFINN and NRC have not performed well in finance as they are domain agnostic. There is a need to develop a financial lexicon based on the ECT corpora, which may provide a better lift over the standard lexicons. This study has observed that Vader has performed poorly as opposed to the newly developed financial lexicon. Machine learning based generative lexicon engine using Bayesian approach, which is termed as FNB Lex was developed in this research study to overcome the limitations of standard domain agnostic lexicons. The lexicon development was performed on quarterly Earning Call Transcripts (ECT) of sixteen IT companies spanning over ten years. The study also investigates the detection of inverse effect in stock price movements based on the sentiments of the previous period. Machine Learning (ML) models like Naive Bayes, FNB Lex, SVM and biLSTM were developed and their discriminatory powers were assessed. NB Lex provided much better lift in detecting the inverse effect as opposed to other models.   2024 IEEE.</text>
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                <text>Nagendra B.V.; Kumar Chandar S.; Simha J.B.; John Bazil J.A.</text>
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                <text>Proceedings - 2024 5th International Conference on Image Processing and Capsule Networks, ICIPCN 2024, pp. 595-603.</text>
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                <text>Institute of Electrical and Electronics Engineers Inc.</text>
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                <text>Nagendra B.V., Christ University, Bengaluru, India; Kumar Chandar S., Christ University, Bengaluru, India; Simha J.B., REVA University, REVA Academy for Corporate Excellence, India; John Bazil J.A., Christ University, Bengaluru, India</text>
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                <text>Financial Literacy and Financial Capability among the Urban Street Vendors  </text>
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                <text>Employment in the informal sector has grown rapidly over the years as it requires a limited skill set, limited educational background, and least initial investment. One such vulnerable sector which forms the major portion of the informal workforce is the street vendors. They lack basic facilities to newlinehave a good standard of living. It is observed that they are usually denied newlinevarious opportunities though their contribution to the economic growth and newlinedevelopment is immense. Their unstable income has left them vulnerable to many financial situations and led them into a financial debt trap. This research is carried out entirely from the view of the street vendors. newlineFinancial literacy has gained importance over the years as it enhances and empowers one s financial ability. Financial literacy is promoted through financial inclusion where all the sections of the society come under one roof to avail finance at ease. Basic financial literacy is will aid the users to newlinemake better utilization of financial schemes under financial inclusion. This in turn leads to better financial capability for individuals. It is observed that there is a gap that needs to be bridged between the street vendors and financial accessibility as they lack basic financial knowledge as are from a low educational background in this study. Better financial knowledge will newlinelead to better usage and accessibility of financial inclusion schemes which will result in better financial capability; this concept is being examined in the current study. The identified relationship impact of financial inclusion on financial literacy and financial capability forms an integral part of the study. It is useful in bringing out the gap between the street vendors and their financial distress. The research was designed to develop an instrument. A research instrument to measure variables was built based on previous studies and the expert s newlineconsultation.</text>
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                <text>S, Nikitha Neelappa.</text>
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                <text>Christ(Deemed to be University)</text>
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                <text>C, Karthigai Prakasam</text>
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                <text>&lt;a href="http://hdl.handle.net/10603/453677" target="_blank" rel="noreferrer noopener"&gt;	http://hdl.handle.net/10603/453677&lt;/a&gt;</text>
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The present invention relates to a financial market data establishment for effective finance data system. Herein matching engine message stream generator of an electronic exchange platform generates protocol-specific market data messages use and includes a first interface created on a reconfigurable logic device that receives matching engine message(s) with a source specific format from a matching engine.</text>
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                <text>Financial stress, financial literacy, and financial insecurity in India's informal sector during COVID-19</text>
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                <text>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.</text>
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                <text>Ravikumar T., School of Business and Management, Christ University, India; Sriram M., School of Business and Management, Christ University, India; Girish S., School of Commerce Finance and Accountancy, Christ University, India; Anuradha R., School of Business and Management, Christ University, India; Gnanendra M., School of Business and Management, Christ University, India</text>
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                <text>Financial Vulnerability in Households: Dissecting the Roots of Financial Instability</text>
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                <text>The phenomenon of household financial vulnerability, defined by unexpected shocksin income and expenditures, carries major implications for both individual households and the overall economy of a nation. For a considerable time, household debt has been widely acknowledged as the primary determinant of household financial vulnerability. This study aims to extend the analysis beyond the scope of household debt. Middle-income households may experience financial difficulties when faced with unexpected changes in income and expenses. These challenges can arise from several circumstances, including the inability to engage in discretionary activities such as dining out or vacations. For a very long time, it has been posited that low-income households exclusively experience financial vulnerability. Hence, it is imperative to thoroughly examine the concept of household financial vulnerability and its underlying factors to enhance households' ability to withstand adversities and better clarify the matter. In light of the prevailing economic recession triggered by the global pandemic and the ongoing confrontation between Russia and Ukraine, the significance of the matter is further underscored. This study aims to comprehensively define household financial vulnerability and examine its relationship with financial capability, digitalized payments, financial stress, and financial socialization. The current study anticipates establishing a foundational framework for future research endeavors in this specific field. Moreover, this paper also explores potential avenues for future research.  The Author(s), under exclusive license to Springer Nature Switzerland AG 2025.</text>
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                <text>Studies in Systems, Decision and Control, Vol-555, pp. 339-350.</text>
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                <text>ISSN: 21984182</text>
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                <text>Financial well-being  A Generation Z perspective using a Structural Equation Modeling approach</text>
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                <text>Financial behavior; Financial fragility; Financial literacy; Financial technology; India</text>
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                <text>The current pandemic situation in the global economy has urged the need to revolutionize the financial services industry with a keen eye on consumers financial needs for sound financial decisions, which is necessary for financial well-being. The purpose of the study is to assess the financial well-being of Indian Gen Z students in relation to financial literacy, financial fragility, financial behavior, and financial technology. In addition, the study also tries to determine how Gen Z students financial well-being is influenced by other factors such as gender, age, parental education, employment status, and monthly income in India. The study uses the scientific data analysis approach, Partial Least Squares-SEM model to estimate, predict, and assess the hypotheses. A sample of 271 University students from India was surveyed using a self-administered structured questionnaire. Questions were incorporated to understand the effect of financial literacy, technology, fragility, behavior, demographic and parental characteristics on financial well-being. The results indicate that financial behavior is positively related to financial well-being, while financial fragility is negatively associated. However, financial literacy and financial technology do not significantly affect financial well-being. The results also show that financial well-being is significantly influenced by gender, parental education, employment status, and monthly income change. Understanding Indian Gen Z student financial well-being will expand the students understanding of the importance of financial literacy for well-planned financial behavior and informed decisions, hence high levels of financial well-being. Government and financial institutions can more effectively identify gaps and deficiencies in student financial well-being.  2022 LLC CPC Business Perspectives. All rights reserved.</text>
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                <text>Shankar N.; Vinod S.; Kamath R.</text>
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                <text>Investment Management and Financial Innovations, Vol-19, No. 1, pp. 32-50.</text>
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                <text>&lt;a href="https://doi.org/10.21511/imfi.19(1).2022.03" target="_blank" rel="noreferrer noopener"&gt;https://doi.org/10.21511/imfi.19(1).2022.03&lt;/a&gt;
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              <elementText elementTextId="112962">
                <text>All Open Access; Gold Open Access</text>
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                <text>ISSN: 18104967</text>
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                <text>Shankar N., School of Business and Management, CHRIST University, India; Vinod S., Department of Computer Science, CHRIST University, India; Kamath R., School of Business and Management, CHRIST University, India</text>
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                <text>Financing for SDGs in India in Post Pandemic era - Challenges &amp;amp; Way forward</text>
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          <element elementId="49">
            <name>Subject</name>
            <description>The topic of the resource</description>
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              <elementText elementTextId="180720">
                <text>Agenda 2030; climatic changes; Covid 19 pandemic; developing economies; financing gap; National Determined Contribution; Sustainable Development Goals; United Nations General Assembly</text>
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                <text>In 2015, a resolution known as Agenda 2030 was passed by United Nations General Assembly in which seventeen goals for Sustainable Development were laid down for global dignity, peace and prosperity. The post- pandemic era became full of uncertainties in pursuing those Sustainable Development Goals (SDGs) and its implementation became a challenge especially for the developing economies like India. The country is facing a tremendous gap in arranging for resources to meet the climatic changes and attaining the SDGs. India requires 170 billion dollars per year from 2015-2030 to fulfill the Sustainable Development Goals as per the estimation done by National Determined Contribution, a body setup after Paris agreement 2015 to monitor the efforts of the country towards reducing national emissions and adapting to climate change. There is a huge concern amongst the various agencies on exploring the ways to fill this financing gap especially after the economic slowdown seen in the post pandemic era. This research paper analyses the challenges imposed by the COVID 19 pandemic on financing for SDGs and also explores the options to mitigate them. The articles and research papers related to SDG financing are reviewed by the researchers to arrive at the above mentioned statements. This paper is an attempt to draw the attention of worldwide authorities towards this grim situation as sustainable finance is far from reality in India and requires immediate up scaling.  The Electrochemical Society</text>
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                <text>Chaudhry S.; Mittal S.</text>
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                <text>ECS Transactions, Vol-107, No. 1, pp. 16557-16571.</text>
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                <text>Institute of Physics</text>
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                <text>&lt;a href="https://doi.org/10.1149/10701.16557ecst" target="_blank" rel="noreferrer noopener"&gt;https://doi.org/10.1149/10701.16557ecst&lt;/a&gt;
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                <text>ISSN: 19386737; ISBN: 978-160768539-5</text>
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                <text>Chaudhry S., School of Business and Management, Christ (Deemed to be) University, Delhi NCR, India; Mittal S., School of Business Studies, Sharda University, Greater Noida, India</text>
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                <text>Finding balance in a digital world: Equanimity as a predictor of nomophobia</text>
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            <name>Subject</name>
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                <text>emerging adults; Equanimity; India; nomophobia; smartphone usage</text>
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                <text>The present study examined the relationship between equanimity and nomophobia. The study also examined the differences in experience of nomophobia considering gender, education and employment status. The sample included 216 emerging adults (M = 64, F = 152) from across India. The Equanimity Scale 16 and the Nomophobia Questionnaire were used to measure equanimity and nomophobia, respectively. Mann-Whitney-U test and Rank-Biserial coefficient indicated that gender differences significantly affected the losing connectedness factor of nomophobia. Correlation analysis showed that equanimity had a significant negative relationship with nomophobia and its factors- not being able to access information, giving up convenience and losing connectedness. Regression analysis showed equanimity as a significant predictor of nomophobia. The studys findings hold potential implications for equanimity-based interventions for nomophobia and individual well-being, technological design improvements in the digital age and unfolds areas for future research.  2024 Taylor &amp;amp; Francis Group, LLC.</text>
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                <text>Nandita K.B.; Rajan S.K.</text>
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                <text>Poonia R.C., Department of Computer Science, Christ University, Delhi NCR, India; Upreti K., Department of Computer Science, Christ University, Delhi NCR, India; Prabu P., Department of Computer Science, Christ University, Delhi NCR, India; Rajendra Prasad K., Department of Computer Science and Engineering, Institute of Aeronautical Engineering, Telangana, Hyderabad, India</text>
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                <text>"Patent Number: 201941048500, Applicant: Dr. Gobi R.&#13;
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                <text>Sandwich structured composite is a particular classification in composite materials. This type of structure has been mainly used in recent studies because of its high specific strength, low density, and stiffness. It is increasingly more commonly employed in structural designs due to its features and performance. The sandwich composites used in this investigation are made of aluminium alloys and areca fibre. The sandwich composites face sheet comes in a variety of thicknesses. The adhesive skin layer is also varied to investigate the effect of using natural fibre. The sandwich composite is subjected to 3 point bend test. The modal analysis is investigated using the finite element method. The 3D model of sandwich composites is modelled using solid works 2020. Using Altair Hyper Works, the boundary conditions and meshing is carried out. ANSYS Mechanical APDL is used to analyse the sandwich composites. This investigation analyses the behaviour of composite sandwich beams.  2022, Books and Journals Private Ltd.. All rights reserved.</text>
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                <text>Journal of Mines, Metals and Fuels, Vol-70, No. 8, pp. 188-199.</text>
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                <text>Rao A., Department of Mechanical and Automobile Engineering, CHRIST University, Bangalore, 560074, India; Niranjana S.J., Department of Mechanical and Automobile Engineering, CHRIST University, Bangalore, 560074, India; Shivakumar S., Department of Mechanical and Automobile Engineering, CHRIST University, Bangalore, 560074, India; Kiran K., Department of Mechanical and Automobile Engineering, CHRIST University, Bangalore, 560074, India; Sharathchandra, Department of Mechanical Engineering, NMAM Institute of Technology, Karnataka, Nitte, 574110, India; Naresh H., Department of Mechanical Engineering, Siddaganga Institute of Technology, Karnataka, Tumkur, 572103, India; Sampath H.P., Department of Mechanical Engineering, VTU, Karnataka, Bangalore, India</text>
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                <text>Purpose: The scoping review of this study was to investigate the existing literature on FinTech's impact on financial competence and draw conclusions from it. We applied Danielle Levac's recommendations and used the scoping review framework developed by Arksey and O'Malley. Design/Methodology/Approach: The study involved identifying and analyzing 246 papers from major databases, followed by a rigorous screening process to select 54 relevant studies. Data coding, inclusion, and exclusion screening were conducted by us independently. Findings: According to the findings, studies on FinTech and financial capacity started in 2012, and since 2020, the number of studies has sharply increased. The analysis showed that financial inclusion was the primary focus of the major FinTech studies, suggesting possible research gaps in other aspects of financial competence. We suggested recommendations and prospective directions for further research in this developing subject based on these findings. Managerial Implications: This knowledge will help managers find opportunities for collaboration, offer fresh perspectives, and make wise choices, which will improve the sector. Theoretical Implications: Important concepts and relationships were found, new trends were highlighted, and theoretical advancements were suggested as a result of the inquiry. Through the filling of knowledge gaps, the study would guide future theoretical development, facilitate diverse perspectives, and support the construction of robust frameworks in the FinTech and financial capabilities sector. Originality/Value: This study offered a comprehensive review of the body of literature, pointing out areas in need of more research and knowledge gaps. The review's unique perspective for future study and innovation in understanding the relationship between FinTech and financial capacity is derived from its thorough synthesis of many studies.  2023, Associated Management Consultants Pvt. Ltd. All rights reserved.</text>
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                <text>Indian Journal of Finance, Vol-17, No. 12, pp. 40-55.</text>
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                <text>Joseph D., Department of Commerce, School of Commerce, Finance and Accountancy, Christ (Deemed to be) University, Hosur Road, Karnataka, Bengaluru, 560 029, India; Girish S., Department of Commerce, School of Commerce, Finance and Accountancy, Christ (Deemed to be) University, Hosur Road, Karnataka, Bengaluru, 560 029, India; Suresh G., Symbiosis Institute of Business Management Bengaluru, Karnataka, Bengaluru, 560 100, India</text>
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                <text>FinTech in India: A systematic literature review</text>
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                <text>India is the second-most populous country in the world, with a rapidly growing economy. Its population is highly tech-savvy and has a high level of adoption of digital technologies. The Indian government has taken several initiatives to promote digital transactions and financial inclusion. These initiatives have been instrumental in the growth of fintech in India. Fintech, or financial technology, is transforming the financial sector worldwide. Fintech solutions have led to the creation of new business models, streamlined operations, and enhanced customer experience. India is no exception to this trend, as it has witnessed a significant growth in fintech in recent years. The fintech ecosystem in India is highly diverse, consisting of startups, technology companies, banks, and non-banking financial companies (NBFCs). There are various challenges faced by fintech companies in India, such as lack of access to capital, regulatory hurdles, and competition from established players. This chapter proposal aims to provide a basic literature review on the development of fintech in India.  2023, IGI Global. All rights reserved.</text>
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                <text>The Sustainable Fintech Revolution: Building a Greener Future for Finance, pp. 225-250.</text>
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                <text>&lt;a href="https://doi.org/10.4018/979-8-3693-0008-4.ch012" target="_blank" rel="noreferrer noopener"&gt;https://doi.org/10.4018/979-8-3693-0008-4.ch012&lt;/a&gt;
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                <text>ISBN: 979-836930010-7; 979-836930008-4</text>
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                <text>Fintech Innovations in the Financial Service Industry</text>
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                <text>financial services; financing; fintech; innovations; payments</text>
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                <text>Digital transformation underscored by the fourth industrial revolution has led to the emergence of sophisticated technology-enabled financial services known as fintech, that has swiftly altered traditional financial services space. Global adoption of fintech is rapidly increasing due to its disruptive nature and is largely embraced by participants who are underserved by traditional financial service providers. Global investments in fintech are growing rapidly year by year owing to increased interconnectivity with the digital revolution. Fintech is expansive, engulfing a plethora of innovative applications in various services including payments, financing, asset management, insurance, etc. There exists a gap in the literature and visualization research on impact and future pathway of fintech innovations in payments and financial services and role of financial regulations. This study aims to enrich the understanding of fintech innovations in payments and financing and investigate the correlation and significance of regulatory framework in maintaining a fair ecosystem. With this objective, an extant systematic review was performed using research articles published in peer-reviewed journals for the period 20142022 when there has been a burgeoning of interest in fintech globally. The findings of this study contribute to the theoretical constructs of fintech innovations in the financial services industry and show that such innovations play a crucial role in shaping the nature of future of business. The results of this study have implications for researchers who could deploy this research as a reference point to get a holistic insight and a detailed mapping of innovations in fintech.  2022 by the authors. Licensee MDPI, Basel, Switzerland.</text>
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                <text>Anifa M.; Ramakrishnan S.; Joghee S.; Kabiraj S.; Bishnoi M.M.</text>
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                <text>Journal of Risk and Financial Management, Vol-15, No. 7</text>
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                <text>&lt;a href="https://doi.org/10.3390/jrfm15070287" target="_blank" rel="noreferrer noopener"&gt;https://doi.org/10.3390/jrfm15070287&lt;/a&gt;
&lt;br /&gt;&lt;br /&gt;&lt;a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85135497908&amp;amp;doi=10.3390%2Fjrfm15070287&amp;amp;partnerID=40&amp;amp;md5=3d50f78a981cc1cb7b58b42303e7f057" target="_blank" rel="noreferrer noopener"&gt;https://www.scopus.com/inward/record.uri?eid=2-s2.0-85135497908&amp;amp;doi=10.3390%2fjrfm15070287&amp;amp;partnerID=40&amp;amp;md5=3d50f78a981cc1cb7b58b42303e7f057&lt;/a&gt;</text>
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                <text>All Open Access; Gold Open Access; Green Open Access</text>
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                <text>ISSN: 19118074</text>
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                <text>Anifa M., Department of Business Administration, CHRIST (Deemed to be University), Bengaluru, 560029, India; Ramakrishnan S., Amity Business School, Amity University, Dubai, 73000, United Arab Emirates; Joghee S., International Business and Marketing, School of Business, Skyline University, P.O. Box 1797, Sharjah, United Arab Emirates; Kabiraj S., Strategy and International Business, School of Entrepreneurship and Business, Hame University of Applied Sciences Ltd., (HAMK), Valkeakoski, FI-37630, Finland; Bishnoi M.M., School of Humanities, Arts and Applied Sciences, Amity University, Dubai, 73000, United Arab Emirates</text>
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