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                <text>Fine-tuning Language Models for Predicting the Impact of Events Associated to Financial News Articles</text>
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                <text>ESG; ESG impact prediction; financial natural language processing; impact prediction; language models</text>
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                <text>Joint Workshop of the 7th Financial Technology and Natural Language Processing, the 5th Knowledge Discovery from Unstructured Data in Financial Services and the 4th Economics and Natural Language Processing, FinNLP-KDF-ECONLP 2024 at LREC-COLING 2024 - Workshop Proceedings, pp. 244-247.</text>
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                <text>Banerjee N., Christ (Deemed to be University), India; Sarkar A., Christ (Deemed to be University), India; Chakraborty S., Christ (Deemed to be University), India; Ghosh S., Jadavpur University, India; Naskar S.K., Jadavpur University, India</text>
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                <text>Banerjee A.M., Christ (Deemed to be University), Department of Cse, Bengaluru, India; Mukhopadhyaya K., Cmr Institute of Technology, Department of Ece, Bengaluru, India</text>
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                <text>Large Language Models (LLMs) are state-of-the-art in Natural Language Processing (NLP) tasks but are extremely challenging to fine-tune with their size and computational needs. The current research targets the fine-tuning of the OpenLLaMA-3B model for personality development tasks with parameter-efficient fine-tuning (PEFT) via LoRA and QLoRA. To deal with hardware limitations, 4-bit quantization through BitsAndBytes was used, lowering memory without affecting accuracy. A FAISS-based Retrieval-Augmented Generation (RAG) pipeline was also used to improve contextual reliability. Semantic similarity (cosine similarity), BLEURT, ROUGE, and human evaluation were used to evaluate the model. The results of this experiment show that semantic similarity greatly increasing from 0% before fine-tuning to 80% after fine-tuning, demonstrating the benefit of PEFT and quantization in domain adaptation. The work illustrates that by leveraging effective fine-tuning, quantization, and retrieval augmentation, LLMs can be deployed at scale under limited resources while providing high contextual accuracy for personality development purposes. This approach not only enhances knowledge of the job, but it also has practical scalability for educational and self-improvement purposes. The findings highlight a viable path forward for applying small, yet strong, LLMs to personalized learning and adaptive human-AI interaction.  2025 IEEE.</text>
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Nowadays, Mobile becomes an essential part of our life, and it is also an inevitable medium for communication in the present era. It keeps us connected from mail access, travel booking, etc. The amount of personal information and sensitive information like username, password, and transaction details are routinely stored in the device. There is a possibility of information access when the thief steals the Mobile. It is a massive data loss for the mobile owner, especially private information.</text>
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                <text>Finite Element Analysis of Hybrid Skin Sandwich Composite</text>
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                <text>Aluminium alloy; ANSYS Mechanical APDL; Areca fibre; Sandwich structured composite</text>
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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>Rao A.; Niranjana S.J.; Shivakumar S.; Kiran K.; Sharathchandra; Naresh H.; Sampath H.P.</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>FINNET: A Hierarchical Graph Learning Framework for Adaptive Cross-Market Financial Risk Prediction</text>
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                <text>Proceedings of the 4th IEEE International Conference on Interdisciplinary Approaches in Technology and Management for Social Innovation, IATMSI 2026;</text>
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                <text>Anandu P.S., Christ (Deemed to be University), Department of Data Science, Bangalore Central Campus, India; Gogi V.J., Christ (Deemed to be University), Department of Data Science, Bangalore Central Campus, India; Azarudheen S., Christ (Deemed to be University), Department of Data Science, Bangalore Central Campus, India</text>
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                <text>Systemic financial risk emerges from complex multi-scale interactions among entities, sectors, and markets. We introduce FINNET, a hierarchical graph neural network framework that models these vertical dependencies through volatility-aware adaptive pooling. Our approach features: (1) a tri-scale graph structure capturing entity, sector, and market dynamics; (2) dynamic embeddings combining static features with time-varying signals; (3) transfer learning for emerging markets; and (4) transparent risk decomposition for regulatory compliance. Validated on 58,432 financial entities across three continents, FINNET achieves 0.891 AUC with only 3.8% performance degradation during crises, while providing early warnings 15 days before failures.   2026 IEEE.</text>
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                <text>Dynamic Embeddings; Explanatory AI; Graph Neural Networks in Finance; Multi-Scale Learning; Systemic Risk; Transfer Learning</text>
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                <text>FinTech and Financial Capability, What Do We Know and What We Do Not Know: A Scoping Review</text>
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                <text>financial behavior; financial capability; financial inclusion; FinTech; scoping review</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>Joseph D.; Girish S.; Suresh G.</text>
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                <text>Indian Journal of Finance, Vol-17, No. 12, pp. 40-55.</text>
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                <text>Associated Management Consultants Pvt. Ltd.</text>
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                <text>ISSN: 9738711</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 for Sustainable Financial Market Innovation: The FinTech Transformation of Traditional Finance</text>
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                <text>FinTech for Sustainable Financial Market Innovation;pp.59-85</text>
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                <text>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.</text>
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                <text>Prathibha Raj V., Christ University, Bengaluru, India; Dhanya K.A., Christ University, Bengaluru, India; Malhotra S., Christ University, Bengaluru, India; Mohanty P., Christ University, Bengaluru, India</text>
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                <text>This chapter aims to provide evidence-based insights into how Fintech is influencing ESG practices of Indian banks. The discussions focus on key areas such as Green fintech, Governance and risk management approach, financing Agri business, promoting carbon net zero mission, and also the fintech intervention towards financial inclusion. The chapter also exhibits the role played by public sector banks and private sector banks in promoting ESG practices. Methodology used is secondary data based on case studies, industry reports and empirical data sources. Insights from higher officials of the banking sector are also included to examine the challenges faced by the banking sector in this regard. Based on findings, the chapter provides a suggestive model on the potentialities of fintech to support ESG agenda which can be an insight for policy makers, financial institutions and other stakeholders.  2025, IGI Global Scientific Publishing. All rights reserved.</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>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>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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                <text>In India, financial literacy and financial inclusion is the need of the hour. Though economic growth of the country is growing in positive direction, it derailed by many factors such as financial literacy, accountability, and stability of the common public. It could be due to the deprived accessibility to the financial services in India. This study addresses the two key elements in economic growth of the country namely financial literacy and financial inclusion and how it could be handled by financial technology. This study sets up the platform in which it is trying to include perception and attitude of both the provider and the user of the fintech services and compiling its impact on both financial literacy and financial inclusion. A sample size of 644 respondents have been selected using multi-stage sampling technique and distributed with structured questionnaire. The study result gives implication for fin-tech service providers in understanding the consumer perspectives and government for policy making.  The Electrochemical Society</text>
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                <text>Desai K.; Umasankar M.; Padmavathy S.</text>
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                <text>ECS Transactions, Vol-107, No. 1, pp. 15317-15327.</text>
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                <text>Institute of Physics</text>
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&lt;br /&gt;&lt;br /&gt;&lt;a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85130531736&amp;amp;doi=10.1149%2F10701.15317ecst&amp;amp;partnerID=40&amp;amp;md5=fb5ce14b54714bc47469e7de1f85a236" target="_blank" rel="noreferrer noopener"&gt;https://www.scopus.com/inward/record.uri?eid=2-s2.0-85130531736&amp;amp;doi=10.1149%2f10701.15317ecst&amp;amp;partnerID=40&amp;amp;md5=fb5ce14b54714bc47469e7de1f85a236&lt;/a&gt;</text>
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                <text>ISSN: 19386737; ISBN: 978-160768539-5</text>
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                <text>Desai K., Department of Professional Studies, Christ University, Karnataka, Bangalore, India; Umasankar M., Department of Professional Studies, Christ University, Karnataka, Bangalore, India; Padmavathy S., Department of Management Studies, Kongu Engineering College, Tamil Nadu, Erode, India</text>
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                <text>Fintechs Contribution to Supply Chain Finance Value Creation Via Banking and Financial Systems</text>
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                <text>Trends and Challenges of Electronic Finance: Perspectives from Emerging Markets;pp.277-290</text>
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                <text>Makhija P., Center for Management Studies, Jain (Deemed to Be) University, Bangalore, India; Kukreja M., Center for Management Studies, Jain (Deemed to Be) University, Bangalore, India; Chacko E., School of Business and Management, Christ University, Bangalore, India</text>
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                <text>In every business, finance takes an important role which does give birth to buyer and supplier. The market is growing due to an increase in the use of supply chain financing by SMEs to improve their cash flow operations resulting requirement to manage massive volumes and speeds of data in fintech industries propelling market to move forward. However, the market's expansion is hampered by a lack of global standardisation and government-imposed tight controls on the fintech industry. The potential of Blockchain technology (BCT) has been explored in the field of digital assets and digital currency. BCT provides automation with increased efficiency and speed, greater transparency, and enhanced security and traceability. Every challenge whether faced by the company in supply chain finance or the financial intermediary can be neutralised with the use of technology. Today, technology in finance or fintech is a booming area. Where every domain in business is using technology to improvise, finance is not behind. This emerging and ever-changing field of fintech is providing many opportunities for sophisticated supply chain finance.  2025 The Editor(s) (if applicable) and The Author(s), under exclusive licence to Springer Nature Singapore Pte. Ltd.</text>
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                <text>Blockchain Technology (BCT); Fintech; SMEs; Supply Chain Finance (SCF); Value creation</text>
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                <text>ISBN: 978-981963304-3; 978-981963303-6;</text>
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                <text>Restricted Access; Hardcopy may be available in the library</text>
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                <text>Fire Resistance of Concrete with Partial Replacement of Ceramic Waste and Carbon Fiber as Additives</text>
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                <text>Carbon fiber; Ceramic waste; Fire resistance; Superplasticizer</text>
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                <text>One of the primary hazards that causes catastrophic damage to properties and peoples lives is fire. Although ceramic garbage is deposited on the land, it is a non-biodegradable waste that pollutes the environment. This study is based on the use of industrial waste products such as ceramic sanitary waste to improve the mechanical qualities of concrete that have been exposed to elevated temperatures. An experimental investigation was carried out on cubes, cylinders, and beams to assess compressive strength, split tensile strength, and flexural strength with fractional replacement of fine aggregates with 10, 20, and 30% of ceramic waste and 0, 1, and 2% of carbon fibers as additives at normal and elevated temperature as per ASTM code recommendations and the results shown as a significant improvement. The strength of M30 grade concrete with partial replacement of fine aggregate with ceramic waste up to 30% and carbon additives up to 2% shows an improvement of compressive strength by 17.56% than conventional concrete. It is also observed that normal M30 grade concrete loses its strength by 49.6% when it is exposed to 600C and with fractional replacement of fine aggregate by ceramic waste by up to 30% and carbon additives by up to 2% shows the loss of strength is decreased up to 22.67%. It shows that it is the probable substitute solution for the secure discarding of Ceramic waste.  The Author(s), under exclusive license to Springer Nature Singapore Pte Ltd. 2024.</text>
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                <text>Narasimha Murthy K.N.; Nelda Paul P.; Beevi Mymoon E.M.; Thejas H.K.</text>
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                <text>Lecture Notes in Civil Engineering, Vol-528 LNCE, pp. 621-631.</text>
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                <text>Springer Science and Business Media Deutschland GmbH</text>
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&lt;br /&gt;&lt;br /&gt;&lt;a href="https://www.scopus.com/inward/record.uri?eid=2-s2.0-85205373943&amp;amp;doi=10.1007%2F978-981-97-4844-0_49&amp;amp;partnerID=40&amp;amp;md5=1d63aa6ecea9ab597b5deb82f2f794ac" target="_blank" rel="noreferrer noopener"&gt;https://www.scopus.com/inward/record.uri?eid=2-s2.0-85205373943&amp;amp;doi=10.1007%2f978-981-97-4844-0_49&amp;amp;partnerID=40&amp;amp;md5=1d63aa6ecea9ab597b5deb82f2f794ac&lt;/a&gt;</text>
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                <text>ISSN: 23662557; ISBN: 978-981974843-3</text>
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                <text>Narasimha Murthy K.N., Department of Civil Engineering, CHRIST (Deemed to Be University), Bengaluru, India; Nelda Paul P., Department of Civil Engineering, CHRIST (Deemed to Be University), Bengaluru, India; Beevi Mymoon E.M., Department of Civil Engineering, CHRIST (Deemed to Be University), Bengaluru, India; Thejas H.K., Department of Civil Engineering, CHRIST (Deemed to Be University), Bengaluru, India</text>
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                <text>Mamatha, N.; Ajai Chandran, C.K.</text>
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                <text>Fire Safety Challenges in Electrical Shafts: A Case of Fire Accident at High Rise Residential Building in Bengaluru, India</text>
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              <elementText elementTextId="220281">
                <text>Civil Engineering and Architecture;Volume;13;Issue;3;pp.2036-2065</text>
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                <text>&lt;a href="https://doi.org/10.13189/cea.2025.130342" target="_blank" rel="noreferrer noopener"&gt;https://doi.org/10.13189/cea.2025.130342&lt;/a&gt; &lt;br /&gt;&lt;br /&gt;&lt;a href="https://www.scopus.com/pages/publications/105005150971?origin=resultslist" target="_blank" rel="noreferrer noopener"&gt;https://www.scopus.com/pages/publications/105005150971?origin=resultslist&lt;/a&gt;</text>
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                <text>Mamatha N., School of Architecture, Christ Deemed to be University, Karnataka, Bengaluru, India; Ajai Chandran C.K., School of Architecture, Christ Deemed to be University, Karnataka, Bengaluru, India</text>
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                <text>Fire safety in high-rise residential buildings is a complex issue, especially when it comes to electrical shaft fires. These enclosed vertical shafts help the rapid spread of smoke, toxic gases and heat across different floors and pose a high risk to the occupants and affect the evacuation process. However, the actual life fire outbreaks show that the existing measures are still wanting as far as evacuation safety is concerned. These issues are addressed in this research through the use of performance-based fire design (PBFD) to assess fire behaviour and evacuation patterns in high-rise buildings. The study then simulates using PyroSim and Pathfinder simulation software, the visibility of smoke, reduction of visibility, CO and CO2 levels, temperature changes, and congestion of the evacuation corridors. Unlike other studies, this paper combines both fire development and occupants response to give a holistic approach to the issue of evacuation challenges. One of the findings of this research is the analysis of the ASET and RSET whereby it was found that the current provisions in fire safety do not ensure a safe exit. It was established that RSET is much higher than ASET, which points to a severe lack in current fire safety solutions. Simulations incorporating NBC-2016 (National Building Code-2016) provisionssuch as fire-rated doors, sprinklers, and mechanical ventilationdemonstrate improved outcomes, reducing RSET from 1,272 seconds to 746 seconds. However, persistent challenges such as congestion, bottlenecks, and hazardous gas levels highlight the need for enhanced fire safety strategies. This research offers practical recommendations to improve evacuation effectiveness through better ventilation, compartmentalization, and advanced suppression systems. The findings contribute to risk mitigation strategies, expand the knowledge base for fire safety, and provide a foundation for improving fire safety regulations in high-rise buildings.  2025 by authors, all rights reserved.</text>
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                <text>We conducted a spectropolarimetric study of the bright Z source GX 349+2 using the Imaging X-ray Polarimetry Explorer (IXPE) observation. Our findings reveal a significant polarization degree (PD) of 1.1%  0.3% in the 2.0-8.0 keV energy range. Spectropolarimetric analysis was performed by modeling the source spectra with an absorbed multicolor disk component and a blackbody. This allowed us to constrain the polarization contributions from the disk and boundary/spreading layer. The results indicate that the observed polarization signal primarily originates from the disk and the spreading layer at the neutron stars surface, rather than the boundary layer. Additionally, we detect an excess polarization component, which we attribute to either an outflow or reflection processes within the system, indicating the presence of a third component, albeit not observed in the IXPE spectra. Furthermore, energy-resolved polarization analysis in the 2.0-4.0 and 4.0-8.0 keV energy ranges hinted at a marginal increase of PD with energy and rotation of polarization angle (PA). This also pointed to an energy-dependent dominance of emission and indicated that the variation in PA with energy (?17? in the 2.0-4.0 keV energy range and ?48? in the 4.0-8.0 keV energy range) is likely associated with the different nonorthogonal PAs of the disk and spreading layer components, which peak at different energies.  2025. The Author(s). Published by the American Astronomical Society.</text>
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                <text>The Rise of India and China: Social, Economic and Environmental Impacts, pp. 210-230.</text>
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