Journal of Digital Economy (JDE) a peer-reviewed scientific journal, is dedicated to investigating the transformative impacts of digital technologies on global economic structures. It covers a wide range of topics such as digital innovation, e-commerce, fintech, data analytics, cyber security, digital marketing and the socio-economic impact of digital development. JDE aims to combine theoretical and practical perspectives by publishing original research, in-depth reviews and relevant case studies on the development of the digital economy. Published quarterly and committed to an open access model, JDE ensures that all published research is accessible to researchers, professionals and the general public. The journal maintains rigorous academic quality through a careful double-blind peer review process.
DIGITAL TRANSFORMATION: LEVERAGING E-HRM PRACTICES FOR ENHANCED PRODUCTIVITY
E-HRM redefined HRM in the contemporary high-speed advanced world. It connects HR with other traditional functions such as recruitment, training, performance management, or compensation, and enhances transparency and efficiency to derive more individualized employee experiences through the online medium. This study has extended E-HRM practices in the Chennai IT sector toward employee productivity. Surveyed IT employees specifically worried about employee self-service, e-training, e-recruitment and e-compensation activities. Analysis results showed a positive correlation between E-HRM implementation and productivity improvements. Most employees consider E-HRM systems to be effective and user-friendly. Thus, the strategic adoption of E-HRM enhances the performance of an organization as well as the engagement of employees. It recommends further investing in state-of-the-art E-HRM platforms to sustain these benefits.
E-HRM, E-HRM implementation, Employee Productivity, and Digital HR innovation.
Copyright (c) 2025 Journal of Digital Economy
PRINCIPLES OF MANAGEMENT WITH LEGAL INSIGHTS
The study of Principles of Management with Legal Insights integrates the foundational concepts of management with the essential understanding of legal frameworks that govern organizational behavior and decision-making. Management principles— such as planning, organizing, staffing, directing, and controlling—provide a systematic approach for achieving efficiency, productivity, and effectiveness in business operations. However, the contemporary corporate environment demands that these principles be practiced within the boundaries of law and ethical governance. Legal insights encompassing corporate law, labor legislation, contract law, and intellectual property rights play a pivotal role in shaping managerial actions, ensuring compliance, and fostering responsible leadership. This paper explores how management functions are influenced by legal considerations in areas such as corporate structure, human resource management, financial regulation, and consumer protection. The integration of legal perspectives into management not only minimizes organizational risk but also strengthens accountability, transparency, and sustainability. By bridging the gap between management theory and legal practice, this work emphasizes the importance of legally informed managerial decisions in achieving organizational goals and maintaining ethical standards in a rapidly evolving business landscape.
Principles of Management, Legal Framework, Business Law, Corporate Governance, Ethics, Planning, Organizing, Staffing, Directing, Controlling, Managerial Functions, Legal Compliance, Corporate Law, Labor Legislation, Decision-Making, Legal Environment of Business, Accountability, Transparency.
Dr Jagadish. S. Biradar, Dr. Anant D. Chinchure
A STUDY ON PROFITABILITY OF BULLISH REVERSAL CANDLESTICK CHART PATTERNS: WITH SPECIAL REFERENCE NIFTY IT SECTOR
This study explores the reliability and profitability of bullish reversal candlestick patterns within the Nifty IT sector, a prominent segment of the Indian stock market. Utilizing daily trading data from April 2014 to March 2024, the research focuses on five primary bullish reversal patterns: Hammer, Inverted Hammer, Harami, Engulfing, and Morning Star. The analysis employs a rule-based methodology to identify and evaluate the success rate of these patterns across ten leading IT companies listed on the NSE. The findings reveal that two-day candlestick patterns, specifically Harami, demonstrate the highest reliability with a success rate of 72.85%, followed by Inverted Hammer and Engulfing patterns. In contrast, single-day patterns such as Hammer and three-day patterns like Morning Star exhibit lower formation frequencies and success rates. The study underscores the significance of candlestick charting in technical analysis, particularly for short-term trading strategies, and provides a ranked assessment of the selected patterns based on their predictive accuracy. This research aims to assist investors in the IT sector by identifying reliable candlestick patterns that can enhance decision-making and optimize investment outcomes. The results suggest potential future research directions, including the application of candlestick analysis to other market indices for broader validation.
Candlestick chart, Pattern, Bullish Reversal, Nifty IT, NSE.
ANALYSING THE IMPACT OF COVID-19 ON THE EFFECTIVENESS OF CANDLESTICK PATTERNS IN THE NIFTY FMCG INDEX
This study investigates the effectiveness of selected candlestick patterns (Hammer, Inverted Hammer, Engulfing, Harami, and Morning Star) in predicting market trends before and after the COVID-19 pandemic. Using daily stock data from the Nifty FMCG index, the research compares the frequency and success rates of these patterns across two periods: pre-COVID-19 (April 2016 to March 2020) and post-COVID-19 (April 2020 to March 2024). The findings reveal notable shifts in pattern occurrences and a slight decline in success rates post-COVID-19, with the Harami pattern remaining the most reliable. This analysis provides insights into market behaviour changes and guides investors in optimizing trading strategies in the post-pandemic environment.
candlestick chart, Pattern, NSE, Nifty FMCG, COVID-19.
DIGITAL SURVEILLANCE AND THE ETHICS OF WELFARE ADMINISTRATION: LESSONS FROM INDIA’S AADHAAR-ENABLED STATE
The Aadhaar biometric identification system in India is a contentious case study and a cross-section of digital surveillance, welfare management, and ethical governance, which is examined in this paper. Introduced in 2010, Aadhaar is now the largest biometric identification system in the world, with more than 1.3 billion citizens covered, and has radically changed the welfare delivery system structure in India. With the help of the analysis of empirical data, policy documents, and field studies, this study demonstrates a paradoxical system in which financial inclusion is encouraged. However, at the same time, new versions of digital exclusion are developed. This research concludes that failure rates to authenticate between 13 and 49 percent in various states have led to systematic denial of welfare benefits to the vulnerable groups, especially the elderly, women, and marginalized communities. The paper records how the shift to compulsory linking of access to basic services has established a surveillance infrastructure that has gone beyond the application of welfare service delivery to the utilization of surveillance in the private sector. The recent trends in 2025 that enable the infrastructure of Aadhaar to be accessed by private entities represent important issues of behavioral data mining, as well as the breach of privacy. The results indicate that even though Aadhaar has attained high levels of enrollment coverage (93% of the populace), its practice presents underlying conflicts between techno-efficient solutions and rights-based welfare delivery. The paper has concluded that the transformation of Aadhaar as a welfare instrument into a full-fledged surveillance machine provides important lessons to any digital identity implementation in the world and states that solid data protection policies, accountability provisions, and alternative authentication solutions to lock vulnerable groups out of essential services can help avoid the marginalization of vulnerable groups.
biometric identification, digital surveillance, Aadhaar, welfare administration, social exclusion, privacy, India, digital identity.
“BRIDGING LANGUAGES, BUILDING FUTURES: TRANSLANGUAGING PEDAGOGIES IN PVTG WOMEN'S ENGLISH LANGUAGE LEARNING”
This study investigates the implementation and impact of translanguaging pedagogies in English language learning programs for women from Particularly Vulnerable Tribal Groups (PVTGs) in India. Drawing on a mixed-methods research design, we examined 428 PVTG women learners across five states (Odisha, Jharkhand, Chhattisgarh, Telangana, and Madhya Pradesh) participating in innovative multilingual education programs from 2021 to 2023. The research challenges monolingual English teaching approaches by demonstrating how strategic use of learners' complete linguistic repertoires—including tribal languages, regional languages, and Hindi—enhances English acquisition while preserving indigenous linguistic identities. Quantitative results show 68.3% improvement in English communicative competence when translanguaging strategies were employed, compared to 31.2% in English-only instruction groups. Qualitative findings reveal that translanguaging reduced anxiety (74% of participants), increased metalinguistic awareness (81%), and strengthened cultural identity (89%). The study identifies key success factors, including flexible linguistic boundaries, multimodal meaning-making, and community-based scaffolding. Women reported enhanced confidence in digital spaces (76%), healthcare communication (69%), and children's education support (83%). The research contributes to decolonizing English language teaching by validating indigenous languages as resources, rather than deficits, and offering a transformative model for multilingual education in marginalized communities globally.
translanguaging, PVTG women, English language learning, multilingual education, indigenous languages, linguistic justice, women's empowerment, decolonial pedagogy
Copyright (c) 2024 Journal of Digital Economy
"TRIBAL EMPOWERMENT AND GENDER EQUALITY: THE IMPACTS OF MAHATMA GANDHI'S SOCIO-ECONOMIC STRATEGIES IN INDIA"
This paper explores the significant impacts of Mahatma Gandhi's socio-economic strategies on tribal empowerment and gender equality in India. Recognizing the interdependence of economic justice and social equality, Gandhi championed initiatives that promoted self-reliance, education, and active participation of marginalized communities in nation-building. His emphasis on cottage industries and local craftsmanship revitalized tribal economies while providing meaningful employment opportunities, particularly for women. The study analyzes historical data reflecting the correlation between Gandhi's strategies and socio-economic improvements in tribal regions, including increased literacy rates and higher income levels. Furthermore, the research highlights Gandhi's transformative influence on gender roles, illustrating how his advocacy for women's participation in economic activities and political representation contributed to challenging entrenched patriarchal norms. By examining the ongoing legacy of Gandhi’s principles in contemporary policies, such as the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), this paper underscores the continued relevance of his vision in addressing modern challenges faced by tribal communities and women. Ultimately, this research emphasizes the necessity of inclusive development strategies that honor Gandhi’s ideals of equity and self-reliance, advocating for a future where all individuals have the opportunity to thrive. Through a holistic understanding of Gandhi's impact, this study serves as a call to action for policymakers and social advocates committed to fostering gender equality and tribal empowerment in India.
Mahatma Gandhi, tribal empowerment, gender equality, socio-economic strategies, India
CONSUMER PERCEPTIONS AND TECHNOLOGICAL INFLUENCES IN SOUTH AFRICAN ONLINE RETAIL: TRUST, CONVENIENCE, AND BARRIERS
The rapid growth of e-commerce has transformed the retail landscape, necessitating an in-depth understanding of consumer perceptions, attitudes, and purchasing decisions. Guided by the Theory of Reasoned Action and Theory of Planned Behaviour, this study investigates the convenience, concerns, and technological influences shaping online shopping experiences to explore consumers’ preferences and behaviours in an emerging market context. A quantitative online survey approach, involving 124 respondents primarily consisting of young adults and women, was employed to collect quantifiable data about online shopping preferences. The sample reflects the increasing role of e-commerce in everyday life, though its demographic skew suggests a need for broader studies. Findings indicate that convenience is the primary driver of online purchases, despite persistent concerns over data security and product authenticity verification. Consumers highly value the variety of products available online, yet perceptions differ regarding delivery times and pricing competitiveness. Trust, security, and reliability are pivotal in fostering confidence in online transactions, requiring consumers to feel assured about payment safety and the protection of personal information. To enhance customer confidence and satisfaction, it is recommended that e-commerce platforms invest in robust data security measures, improve targeted advertising strategies, and implement effective customer feedback mechanisms. This study contributes to the literature by elucidating how technological advancements, such as AI-driven personalisation and mobile shopping applications, have transformed e-commerce from a perceived unsafe alternative to a convenient, personalised experience that meets diverse consumer needs, addressing gaps in emerging market e-commerce research.
e-commerce, consumer perceptions, consumer behaviour, convenience, trust, data security, online retail, South Africa
The Future of Corporate Governance: Adapting to the Dynamics of New Business Models
This paper examines the function of company governance (CG) in guiding power corporations via crises, along with the COVID-19 pandemic, and adapting to new strategic possibilities, mainly inside environmental, social, and governance (ESG) tasks. Using a multi-case approach, the studies analyzes huge energy companies and startups to discover how forums of administrators manage innovation, networks, and organizational changes during disruptions. The findings monitor that ESG initiatives faced sizable challenges during the pandemic, with boards intervening to foster innovation and modify organizational structures. The paper additionally contributes to the sphere of Business Model Dynamics (BMD) by way of clarifying the concepts of Business Model Innovation, Adaptation, and Evolution. The research highlights the significance of distinguishing between those terms and aligning enterprise model modifications with strategic goals. The examine gives both theoretical and practical insights, imparting a comprehensive framework for expertise the dynamics of CG and commercial enterprise version evolution in turbulent environments. These insights guide businesses in leveraging CG practices to force innovation, sustainability, and long-time period resilience in a rapidly converting international.
Corporate Governance, ESG Projects, Business Model Dynamics, Innovation, Organizational Change, Strategic Management, COVID-19
BEHAVIORAL FINANCE IN THE DIGITAL ERA: ANALYZING INVESTOR BEHAVIOR ON ONLINE TRADING PLATFORMS AND SOCIAL MEDIA
Behavioral finance inside the digital era examines how intellectual biases have an impact on investor selection-making on online buying and promoting systems and social media. With the upward push of set of regulations-pushed structures and without delay get entry to economic information, buyers increasingly depend on virtual equipment, regularly principal to cognitive biases including herding behavior, overconfidence, and loss aversion. Social media structures like Twitter and Reddit extend market traits, developing speculative bubbles and volatility, as seen in meme stock rallies and cryptocurrency fluctuations. The integration of artificial intelligence and robo-advisors has reshaped economic choice-making, but human feelings maintain to force irrational funding behaviors. Additionally, the unfold of financial incorrect information and the gamification of buying and promoting contribute to impulsive movements, impacting portfolio ordinary performance. This have a have a examine explores key behavioral biases, the characteristic of social sentiment in asset fee movements, and the risks related to digitally inspired shopping for and selling. Understanding these patterns can assist buyers broaden strategies to mitigate biases and enhance rational choice-making in the evolving monetary landscape. Future research have to awareness on balancing technological upgrades with investor training to promote informed and disciplined looking for and selling behavior.
Behavioral finance, investor psychology, on line buying and selling, social media, cognitive biases, monetary era, marketplace volatility
Dr Anil D. Matkar , Dr Satish G Athawale , Dr Arshi Ali
EXPLAINING THE VITAL ROLE OF SMART GEOMARKETING IN EXPORT DEVELOPMENT
In this study, we aim to highlight the significant role of Smart Geomarketing in export development. This study has a mixed approach (qualitative-quantitative) and an applied research method. In the qualitative part, the statistical population included government experts, major exporters of kiwi products, and also academic experts in Guilan province (Iran), of which 15 people were considered as a sample after data saturation. The sampling method was purposive. The data were analyzed using the data-driven method. Then, the quantitative research strategy was conducted as a survey. The statistical population included 316 individuals and legal entities who were active in kiwi exports, of which 173 people were selected as a sample through the Cochran formula in a limited population using non-probability sampling. The data collection tool was a questionnaire. The Smart PLS-based structural equation modeling analysis showed that management capabilities, government support policies, export development marketing, environmental factors, and kiwi cultivation characteristics have a significant effect on smart Geomarketing, and smart Geomarketing has a substantial impact on the development of marketing capabilities, training and persuasion of officials to develop exports, and the development of spatial data infrastructure. The development of marketing capabilities has a significant effect on increasing share in global markets, increasing global reputation, developing a brand in foreign markets, and increasing foreign exchange. Training and persuasion of officials to develop exports have a significant effect on increasing share in global markets, developing a brand in foreign markets, and increasing foreign exchange. Still, they have no significant impact on increasing global reputation. The development of spatial data infrastructure has a significant effect on increasing share in global markets, increasing global reputation, developing a brand in foreign markets, and increasing foreign exchange. Government weakness, apart from the relationship between the development of marketing capabilities and increasing foreign exchange and the relationship between training and persuasion of officials to develop exports and increasing foreign exchange, interferes with the remaining relationships.
Export Development Marketing, Smart Geomarketing, Kiwi Export
Mostafa Kazemkhah, Ali Gholipour Soleimani, Narges Delafrooz, Mohammad Taleghani
OPTIMIZING THE SOLUTION OF THE BUCKLEY-LEVERETT NONLINEAR STOCHASTIC EQUATION FOR THE SEPARATION OF OIL AND WATER IN THE RESERVOIR WITH NUMERICAL EXPANSION METHODS
There are many numerical simulation methods for reservoir modeling, The Buckley-Leverett equation provides important insight into the physical operation of oil-water separation.These equations are known as two-phase equations.In this article, considering the importance of observing environmental factors during oil and gas extraction and the importance of separating water from oil products,By introducing the Buckley-Leverett equation, it is investigated and presented an optimal method to solve it, using the colocalization method with orthogonal bases.Then, in a comparison, the optimality of the accuracy of the answer with Genocci's base We specified Airfoil, Jacopi, Bernstein, Bubaker bases. Differential equation with partial derivatives is one of the most important and widely used equations in maintaining oil and gas reservoir. This nonlinear equation is used in porous media. Solving these equations is very difficult due to their non-linearity and often involves discontinuities. According to the equation considered in this research, a level is randomly selected and water deficit flow is investigated. The fractional flow curve is obtained instead of the relative permeability curves, and the reservoir conditions are entered into the Buckley-Leverett model through the fractional flow function. With the equation, the relative permeability and displacement of two fluids, such as oil and water, which are flowing together, are investigated, Separation occurs in such a way that the initial saturation corresponds to the co-saturation. In this article, by implementing numerical methods and using orthogonal bases on the desired equation, non-linear devices are obtained, which can be solved by non-linear device solving methods, such as Newton's iterative method. In this method, the stop criterion ,can be reached with few repetitions. This issue shows the correctness of the desired method. Also, the uniqueness and convergence of the method have been investigated.
Buckley-Leverett equation, Colocation method, Jacobi polynomial, Airfoil polynomial, Bernstein polynomial, Genocci polynomial, Boubaker polynomial, Petroleum Reservoir and gas.
Fatemeh Gervehei , Shadan Sadigh Behzadi , Bakhtiar Ghayebi , Saeedeh Senemari
"STRATEGIC SYNERGY: ALIGNING FINANCIAL PERFORMANCE WITH HUMAN CAPITAL MANAGEMENT"
This research explores the connection between strategic human resource (HR) practices and financial performance, emphasizing the optimization of HR investments for long-term economic success. It investigates key HR strategies such as training programs, competency development, and reward systems, which are instrumental in improving organizational outcomes. The study synthesizes insights from recent industry research to provide an integrative analysis grounded in theoretical frameworks like the Resource-Based View (RBV) and Agency Theory. These frameworks help contextualize the impact of strategic HR practices on financial performance. The findings underscore the significant role of HR practices in boosting organizational productivity, operational efficiency, and cost management. Innovative approaches such as Green Human Resource Management (GHRM) are highlighted for their contributions to sustainability, enhanced reputation, and improved financial results. Additionally, integrating technology, such as data analytics and performance tracking systems is identified as a critical factor for informed decision-making and resource optimization. Aligning HR planning with organizational strategies is also emphasized to ensure cohesive and effective workforce management. While relying on secondary data presents limitations, the research opens avenues for future empirical studies to validate and expand upon its findings
Dr. Sheela Rosalyn, Dr. U.L. Sunitha, Dr. K. Veena
ANALYZING THE TECHNICAL EFFICIENCY OF RESEARCH LABORATORIES USING DATA ENVELOPMENT ANALYSIS (DEA)
A critical measurement of industrial performance is a significant and deliberate call to check the sustainable growth of economies. Researchers have informed several insubstantial aspects – Growth Drivers, where research and development (R&D) is one of them responsible for economic growth. As per Global Innovation Index–2023, India ranks 40th among 132 economies in education, software exports, research, etc. A large budget is invested in laboratory studies every year; however, the output is comparatively lower than expected, and consumers become more dependent on foreign products. This issue led to the genesis of evaluating research productivity. Earlier, Publications and Intellectual Property were considered relevant for measuring research productivity, but there was a need for holistic measurement of innovation potential. In this study, the Technical Efficiency (TE) of Decision-Making Units (DMUs) (laboratories) was measured using Data Envelopment Analysis (DEA) with several other parameters – Scientific Performance Indicators (SPIs). This study was concluded by delineating the performing and less performing research laboratories in a certain period. This study is intended to create an insight that calls for introspection by policymakers to re-evaluate organizational productivity according to their mandates. Such studies are expected to assess the strengths and weaknesses and furthermore plan to contribute effectively to the productivity of the organization and the national economy.
Data Envelopment Analysis, Decision Making Units, Research and Development, Laboratories, Technical Efficiency.
Abhishek Kumar, Smita Srivastava, Dharmendra Pandey, Alpana Srivastava, Lav Srivastava
INDUSTRY 5.0: ARTIFICIAL INTELLIGENCE, PACE OF ADOPTION AND THE JOB UNCERTAINTY
The current study discusses the increasing relevance of Industry 5.0 in modern business, specifically the function of artificial intelligence (AI) as a transforming factor. With possible process efficiency, smart decision-making, and new business models, artificial intelligence is revolutionizing the operations of sectors all around. This study closely investigates the useful influence of artificial intelligence on Industry 5.0. This paper reviews how artificial intelligence is driving innovation and opening up new opportunities. The report also touches on the potential negative effects, such as ethical challenges, privacy issues around data and job replacement. We believe these risks need to be addressed through efforts to create transparent ethical standards, investment in retraining workers and cooperation among industry stakeholders and policymakers. The main purpose of this paper is to analysis of how AI will transform the world's industries from the perspective of Industry 5.0. The paper also inspects different uses of AI and by what means they can potentially benefit all the interested parties, i.e., the firms, customers and society at large. Of particular interest to us is how AI will fuel innovation, increase competitiveness and make the future better. Further, the study will try to analyse how AI relates to economic growth and creativity. GDP
Industry 5.0, Artificial Intelligence, Innovation, Ethical Concerns, Job loss, Digital Transformation.
BREAKING THE PSYCHOLOGICAL CEILING AND SEIZING OPPORTUNITIES FROM ENTREPRENEURSHIP: A CASE OF YOUTH GRADUATES IN RWANDA
Entrepreneurship holds greater potential to address youth employment in many countries. The strategic focus on empowering youth with skills and finance to startup up businesses enterprises is yet to yield the much-needed returns. This article leverages on a study which explored the psychological preparedness of the youth towards entrepreneurship with focus on ascertaining whether the youth exhibit the desired entrepreneurship traits entrepreneurship. Secondly, the analysis established the effect of the youth entrepreneurship traits on youth entrepreneurship. Personal Trait Theory and The Need for Achievement Theory guided this research. A descriptive and correlational research design was adopted for this study. Empirical evidence derives from data collected on a randomly selected sample of 169 youth graduates in Technical and Vocational (TVET) in Kamonyi District Rwanda. A triangulation with the views of key stakeholders in promotion of skills development for entrepreneurship was done. For qualitative data, the initial stage was a quick analysis of transcribed notes. Findings reveal that, despite the significance of the youth’s psychological mindset to entrepreneurship, they lack desirable entrepreneur traits i.e personal traits and motivational attributes to venture into businesses. Their mindset remains tuned to searching for jobs which are scarce or for which they lack a competitive advantage. This research concluded that while the highlighted personal traits and motivational attributes are significant in fostering entrepreneurship, they were found lacking among the majority of youth studied. This article provides an alternative dimension of empowering youth beyond the technical and soft skills acquired from vocational training. Interventions to empower youth for entrepreneurship and employment need to focus on orienting them psychologically to gain entrepreneur traits. This study recommends youth entrepreneurship programs to put emphasis on training youth in positive entrepreneurship traits. Training programs need to encourage youth to develop entrepreneurship traits among the youth besides, the formal skills acquired from school.
Youth, Entrepreneurship, Psychological orientation, Entrepreneur traits, Employment
Laurence Ingabire, Prof. Karyeija Gerald, Dr. Fred Alinda
ENHANCING THE EFFECTIVENESS OF INTERNAL CONTROL SYSTEMS IN SMES: EVIDENCE FROM VIETNAM
This study investigates the determinants influencing the effectiveness of internal control systems in small and medium-sized enterprises (SMEs) in Binh Duong province, Vietnam. By applying the COSO 2013 framework, the research explores how control activities, information and communication, monitoring, control environment, and risk assessment impact internal control effectiveness. Data were collected through 150 surveys, with 125 valid responses analyzed using multivariate regression models. Findings indicate that control activities, information and communication, monitoring, and control environment significantly influence internal control effectiveness, while risk assessment does not show a notable impact. The study proposes practical recommendations for enhancing internal control systems, improving SMEs' operational efficiency and financial stability.
ECONOMIC IMPACT OF TOURISM FINANCE IN ANDAMAN AND NICOBAR ISLANDS
Tourism in Andaman and Nicobar Andaman and Nicobar Islands tourism grew to 721,000 visits in 2024, demonstrating its appeal. This study investigates tourist arrival trends, emphasising domestic tourists' dominance and overseas visitors' small but valuable contributions. Tourism has seasonal dynamics, peaking in winter and decreasing in monsoon months, with expected economic benefits of ₹18,449.75 crore in 2024. We also examine sustainability measures, the renaming of Port Blair to Sri Vijaya Puram, and the potential for overseas tourism. We examine environmental pressure, seasonal changes, and strategies for balancing growth with ecological protection and community involvement. This study offers Andaman Islands tourism framework recommendations for resilience and inclusivity. Over 721,000 tourists visited the A&N Islands in 2024, demonstrating its popularity. This study investigates tourist arrival trends, emphasising domestic tourists' dominance and overseas visitors' small but valuable contribution. Tourism has seasonal dynamics, peaking in winter and decreasing in monsoon months, with expected economic benefits of ₹18,449.75 crore in 2024. Sustainability measures, the renaming of Port Blair to Sri Vijaya Puram, and overseas tourism potential are also examined. We examine environmental pressure, seasonal changes, and strategies for balancing growth with ecological protection and community involvement. This study offers Andaman Islands tourism framework recommendations for resilience and inclusivity.
CHALLENGES AND STRATEGIES IN TEACHING ENGLISH FOR SPECIFIC PURPOSES (ESP) IN DIPLOMAS AT KING FAISAL UNIVERSITY
Teaching English for Specific Purposes (ESP) in diploma programs presents unique challenges, particularly when students have limited English proficiency. This study explores the difficulties faced by both instructors and students in ESP courses at King Faisal University, focusing on diploma programs in accounting, finance, administration, and computer studies. Using qualitative and quantitative methods, data was collected through interviews with instructors and students, classroom observations, and surveys. The findings indicate that instructors struggle with explaining technical vocabulary, maintaining student engagement, and assessing ESP progress, while students face challenges in comprehending subject-specific terms, academic writing, and oral communication. Despite these challenges, certain strategies—such as task-based learning, scaffolding techniques, and technology-enhanced instruction—were found to be effective in improving student engagement and learning outcomes. Additionally, 60% of students perceive ESP courses as beneficial, though 30% suggest improvements are needed, particularly in aligning content with industry needs. Based on these findings, the study recommends enhancing instructional methods, integrating digital tools, and strengthening collaboration between ESP instructors and subject experts to better support students. While this research provides valuable insights, its scope is limited to a single institution, suggesting a need for broader studies across different educational settings. Future research should explore the long-term impact of ESP training on career readiness and the effectiveness of digital learning tools in ESP instruction.
Ghassan Adnan Hasan. , Abdallah Abu Qub’a:
OVERCOMING BARRIERS: A STUDY ON CUSTOMER PERCEPTIONS AND KEY CHALLENGES IN TECHNOLOGY-ENABLED SERVICES OF STATE BANK OF INDIA
In the rapidly evolving digital landscape, banking technology presents both opportunities and challenges. This study investigates customer perceptions of technology-enabled services at the State Bank of India (SBI), examining critical issues affecting digital banking experiences. Through a structured questionnaire and comprehensive statistical analysis, the research explores various technological dimensions, including network connectivity, transaction costs, payment gateways, and access limitations. Employing advanced statistical techniques like factor analysis, Kaiser-Meyer-Olkin (KMO) measure, and chi-square tests, the study reveals nuanced insights into customer satisfaction and technological barriers. The research sample comprised 600 respondents, providing a robust dataset for analysis. Key findings highlight that while most customers experience minor technological issues, significant segments report moderate to serious concerns across multiple service parameters. The study identifies two primary problem categories: bank-related issues and network-related challenges. Gender and professional demographics significantly influence technological perception and banking experience. By systematically analyzing these technological impediments, the research offers valuable recommendations for enhancing digital banking services, ultimately aiming to improve customer satisfaction and technological efficiency in the banking sector.
BREAKING BARRIERS: HOW ARTIFICIAL INTELLIGENCE IS REVOLUTIONIZING FRAUD DETECTION IN DIGITAL PAYMENTS
Artificial intelligence (AI) is remodeling fraud detection in virtual bills through using changing conventional rule-primarily based systems with superior gadget studying (ML) and anomaly detection algorithms. These AI-pushed structures can become aware of fraudulent styles in real-time and adapt to evolving threats. Technologies like deep getting to know and federated studying are enhancing detection accuracy, at the same time as blockchain integration improves transaction transparency. Despite its benefits, stressful situations at the side of information privacy worries, version interpretability, and system integration persist. AI is reshaping the security landscape of virtual payments, boosting performance and consider. As fraud processes turn out to be more sophisticated, AI's function in stopping financial fraud will become even greater essential. Continued innovation is crucial to address emerging challenges and make certain secure digital transactions. AI-driven fraud detection is paving the way for the future of economic safety.
Dasari Ramakanth, Prof.R Sivarama Prasad
INVESTIGATING THE ADOPTION OF DIGITAL FINANCIAL SERVICES AND ITS IMPACT ON THE FINANCIAL EMPOWERMENT OF WOMAN EMPLOYEES IN PONDICHERRY
Digital financial services, such as mobile banking and digital wallets, have greatly enhanced how people manage their finances. Women have traditionally faced many obstacles to accessing these services due to cultural and economic barriers, which have hindered their financial independence. Despite some progress in gender equality in India, many women still struggle to access financial services. This study examines how digital financial services are contributing to the financial empowerment of women employees in Pondicherry, India. The research employs both exploratory and descriptive methods, using a mixed research approach with qualitative and quantitative techniques. It focuses on women employees who use digital financial services like mobile banking and online payments. The sample consists of 200 women selected through convenience sampling, and data was collected via structured questionnaires. Descriptive and inferential statistical methods, including Mean Analysis, Independent Sample 't' tests, Correlation Analysis, and Multiple Regression Analysis, were used to analyze the data. The study finds that overall, women have a positive perception of digital financial services, with unmarried women showing a higher adoption rate and greater financial empowerment compared to married women. The factors influencing digital financial services, particularly ‘Accessibility & Availability of Mobile Devices,’ have a strong correlation with financial empowerment. The research highlights the need for targeted policies to help women overcome challenges in using these services and provides practical recommendations for enhancing digital financial inclusion. The findings offer a foundation for further research on the impact of technology adoption on women and its broader societal and economic effects.
MODELING CUSTOMER LIFETIME VALUE WITH MACHINE LEARNING: TECHNIQUES FOR IMPROVED MARKETING STRATEGY FORMULATION
This paper examines the interaction between Customer Lifetime Value (CLV), strategic marketing practices, and their impact on organizational economic overall performance. Through a mixed-methods approach, combining quantitative information from client transactions and qualitative insights from a customized questionnaire, the study finds a strong effective relationship among CLV elements—inclusive of product alignment, repeat purchases, and loyalty rewards—and economic outcomes, drastically marketplace valuation (P/E ratio). Additionally, the paper explores the position of gadget getting to know (ML) in improving advertising techniques, such as predictive analytics, personalised pointers, and patron segmentation. ML's software facilitates optimize campaigns, enhance purchaser engagement, and force commercial enterprise boom. The examine offers suggestions for improving customer support, refining advertising techniques, and maintaining financial balance to reinforce customer accept as true with and enterprise success.
Dr. Saravanan . P, Dr. Shenbagaraman . V. M, Dr. Arunfred . N
ARTIFICIAL INTELLIGENCE AND ECONOMIC GROWTH: THE TRANSFORMATIVE ROLE OF AI IN FUTURE MARKETS
Artificial Intelligence (AI) is revolutionizing global markets with the aid of the use of productivity, charge performance, and innovation, making it a pivotal force for future monetary increase. This article explores AI's transformative effect throughout industries, together with production, finance, healthcare, and retail, emphasizing its function in optimizing techniques and unlocking new marketplace possibilities. While AI fosters virtual economic gadget expansion and innovation ecosystems, it also reshapes tough paintings markets by way of redefining job roles and developing novel profession pathways, alongside challenges like body of workers displacement. Ethical worries, regulatory compliance, and addressing the virtual divide are vital for ensuring responsible AI adoption. The article in addition examines AI’s contribution to global competitiveness, fostering pass-border collaboration and innovation hubs, even as exploring its function in addressing weather change via smarter aid manage. Through case research and facts-pushed insights, the thing highlights AI's capability for sustainable, inclusive monetary growth, emphasizing the want for equitable rules and accountable deployment.
Dr.N.Krishnan, Dr.M.Thirumathi, Dr.S.Prabakaran
THE ROLE OF AI NUDGES IN OPTIMIZING CONSUMER BEHAVIOR IN FINANCIAL AND E-COMMERCE CONTEXTS
Background: Digital nudging has gained prominence as a technique for influencing consumer behavior in e-commerce by subtly guiding user decisions through behavioral insights and interface design. However, the effectiveness of digital nudging can be inconsistent, affected by user demographics, behavioral deviations, and ethical considerations. Existing studies have struggled to quantify and measure these effects comprehensively.Methods Used: This study develops a novel objective function to optimize AI-driven digital nudging strategies, focusing on maximizing approval rates and transaction volumes while minimizing behavioral deviations. Various nudging techniques are evaluated through descriptive statistics, correlation analysis, and regression models. Additionally, time-series trends in transaction volumes are analyzed using ARIMA models, incorporating AI nudges as external regressors. Ethical implications of digital nudging are also explored to ensure fairness and transparency.Results Achieved: The optimization of AI nudging strategies led to significant improvements in both approval rates and transaction volumes. The analysis demonstrated varying effectiveness across different nudging techniques, with AI-driven approaches showing a substantial impact. Time-series forecasting revealed trends that correlate with the application of AI nudges, providing insights into their long-term effectiveness. Ethical considerations highlighted areas for improving transparency and reducing bias in nudging practices.Concluding Remarks: The study provides a comprehensive evaluation of digital nudging strategies, offering practical insights for businesses to enhance user engagement and decision-making in e-commerce. The developed objective function and analytical methods contribute to a better understanding of nudging effectiveness and ethical practices. Future research should focus on refining these strategies and exploring their application across different contexts and user segments.Keywords: Digital Nudging, E-Commerce, AI Optimization, Behavioral Analysis, Ethical Implications
"IMPACT OF ARTIFICIAL INTELLIGENCE ON CUSTOMER EXPERIENCE IN OMNI-CHANNEL MARKETING: WITH SPECIAL REFERENCE TO CHENNAI CITY"
Artificial Intelligence integrated into omni-channel marketing is going to revolutionize customer experiences by providing seamless experiences among both digital and physical channels. This paper discusses how AI increased the dimensions of personalization and convenience, thus making customer shopping more efficient and effective. AI-powered personalized recommendation engines, including Amazon Personalize, Chatbots, and Macy's on-call, have restructured customer journeys by offering optimized suggestions based on preference analysis and real-time support. A systematic survey was conducted among consumers in Chennai to analyse their experiences with these technologies. The results indicated that AI powered up customer experiences by saving time in product findability, consistency across channels, and highly personalized services. Issues related to data privacy, less accurate recommendations at times, and reduced human interaction in support services remain some of the challenges. Consumers generally view AI as a game-changing tool that has enhanced their shopping experiences. It is concluded herein that AI stands pivotal in enhancing the dimensions of personalization, convenience, and engagement in omni-channel marketing.
ROLE OF TRAINING AND DEVELOPMENT IN HUMAN RESOURCE CAPITALIZATION AND IT EFFECT ON ORGANIZATIONAL DEVELOPMENT IN INDIAN CONTEXT
Training and development play a pivotal role in enhancing both employee performance and organizational effectiveness. Through development programs, employees can acquire new competencies and refine existing ones, which contributes to the overall effectiveness of the organization. Training and development optimize human resource utilization, aligning individual and organizational objectives. Organization development is not an easier process as it is considering all the resources such as manpower, money, material, market, methods and material. The primary goal is to equip employees with new skills and enhance their existing ones. Additionally, it ensures that employees understand the specific systems, processes, and tools used within the organization. Improving work efficiency is essential for both employees and businesses. There are some strategies which are considered by the organizations to enhance efficiency in the workplace. Human resource capitalization refers to the process of enhancing the value of an organization's workforce by improving their skills, knowledge, and competencies. In conclusion, training and development play a crucial role in human resource capitalization and have a significant impact on organizational development in India.
R.K. Jain, Dr.Rajesh Kumar Shastri & Dr. Ravindra Tripathi
EMPLOYEE ENGAGEMENT AND JOB PERFORMANCE IN E-COMMERCE INDUSTRY IN INDIA
A key component of organisational success, especially in the fast-paced and cutthroat e-commerce sector, is employee engagement. In this dynamic field, this research delves into the complex connection between engaged workers and their productivity on the job, specifically looking at the ways in which engaged workers impact business results. A highly trained, enthusiastic, and dedicated staff is essential in the fast-paced, technologically advanced, and fiercely competitive e-commerce industry. Customer satisfaction and overall organisational profitability are directly impacted by engaged workers' increased productivity, inventiveness, and resilience.Work that matters, strong lines of communication, backing from upper management, and room to advance professionally are all factors that contribute to an engaged workforce, according to the studies. In addition, the research emphasises how technology adoption and organisational culture play a part in encouraging participation. This paper shows how top e-commerce companies have used engagement tactics to boost operational efficiency, decrease absenteeism, and increase staff retention by looking at case studies and real data. Job performance indicators including work completion, inventiveness, and customer service quality are strongly correlated with engagement, according to the data. Moreover, the e-commerce business demands agility and reactivity, which are driven by motivated workers who are more aligned with organisational aims. Nevertheless, difficulties like burnout, an imbalance between work and life, and the digital divide are seen as possible obstacles to maintaining high levels of involvement. The implementation of personalised engagement efforts, the use of digital tools for collaboration, and the promotion of an inclusive workplace are all practical consequences for e-commerce organisations. According to the research, if you want to succeed in the e-commerce market in the long run, you need to make employee engagement a top priority, and not just because it's an HR endeavour. The effects of new developments on productivity on the job, such as hybrid work models and engagement solutions powered by artificial intelligence, need more investigation in the future. The ever-changing e-commerce sector places a premium on creativity and responsiveness, making employee engagement an essential factor in determining job effectiveness. With an emphasis on the significance of intrinsic motivation, organisational support, and company culture, this research investigates the connection between employee engagement and performance on the job in online retailers. Insights from theory and research show that engaged workers are more invested in the company's success and provide better results in terms of creativity, dedication, and productivity. The study delves into the elements that impact engagement, including open and honest communication, appreciation, room for advancement, and harmony with the organization's objectives. Additionally, it delves into the ways in which engagement acts as a go-between for variables like leadership styles, collaboration, and job happiness in relation to performance indicators like operational efficiency, customer satisfaction, and sales. Employee performance and retention are both improved when companies provide a welcoming and supportive workplace for all employees. Personalised approaches, such allowing for more leeway in scheduling, fostering an environment conducive to teamwork via the use of technology, and instituting reward programs to keep employees engaged, are emphasised in the report. In addition, it pinpoints problems specific to online shopping, such heavy workloads and quick technology changes, and provides solutions. This study adds to what is already known about employee engagement and offers useful information to human resources experts and business leaders in the online retail sector. It promotes an aggressive strategy for engagement, stressing its revolutionary power to gain an edge in a dynamic, customer-focused market. In order to drive excellence in the e-commerce environment, the research emphasises the importance of employee engagement by connecting it to organisational objectives.
OPTIMIZED PERFORMANCE FOR CONSUMER CHURN PREDICTION USING DATA-MINING FRAMEWORK
Predicting whether a company will churn or not, is one of the most important tasks to be done in a business competitive environment, regarding keeping the consumers. We present an optimized data-mining framework to predict and proactively address customer churn in the consumer industry. We deploy a combination of machine learning techniques to predict churn pattern. Additionally, we present a novel feature selection measure that helps us to predict churn and enables better computational efficiency and reduced prediction time. In addition, to combine the predictions of various models, we employ ensemble learning. Experimental results reveal that our framework significantly outperforms traditional methods with 89.03% accuracy, 85.78% Precision, 91.14% Recall, and 95.07% f1-score on a real-world consumer churn dataset. We are proposing a framework where businesses can proactively catch customers at risk and go for prevent retention measures which can enhance customer retention and revenue as well.
IMPACT OF DIGITAL PLATFORMS ON THE GLOBAL REACH OF HANDICRAFT BUSINESSES IN BANARAS (VARANASI).
The Banaras (Varanasi) handicraft sector is well-known for its elaborate craftsmanship and traditional goods including brassware, wooden toys, and Banarasi silk sarees, and it occupies a prominent position in India's cultural and economic landscape. The traditional restrictions that limited these handcrafted goods to regional and national markets have been lifted with the emergence of internet platforms, providing previously unheard-of chances for worldwide distribution. This study examines how digital platforms have revolutionised the marketing, distribution, and general expansion of handicraft enterprises in Banaras. Digital payment systems, social media marketing, and e-commerce websites have all been integrated to enable small businesses and craftsmen to communicate directly with customers around the world. Virtual markets like Amazon, Etsy, and Instagram have increased profit margins and decreased reliance on middlemen. Additionally, by showcasing the artistry and cultural relevance of their items through visually captivating content, digital storytelling has allowed craftsmen to connect emotionally with consumers throughout the world. But there are drawbacks to switching to digital media. Many craftsmen face major challenges due to a lack of digital literacy, poor infrastructure, and competitiveness in the global market. The "Digital India" campaign and e-commerce collaborations are two examples of government initiatives and training programs that are meant to close these disparities. This paper's analysis of case studies and statistical data leads to the conclusion that, even if digital platforms have transformed Banaras' handicraft sector, strategic interventions and support networks are still necessary to guarantee long-term growth and fair benefits for craftsmen. The results highlight how digitisation can act as a catalyst to preserve traditional crafts and increase their appeal on a global scale.
Dr. Varad Rajan Bhanage, Dr. Rupali Jitendra Khaire