Volume 13 | Issue 3 |

 Abstract

The software sector plays a crucial role in driving innovation, enhancing business efficiencies, and supporting global digital transformation. This study examines the financial performance of selected software companies, focusing on key aspects such as liquidity, solvency, efficiency, and profitability. By analyzing financial ratios and industry trends, the study evaluates how well these firms manage their resources, generate revenue, and maintain financial stability. The research also highlights the impact of technological advancements, investment trends, and market competition on the financial health of software firms. Additionally, the study explores challenges such as fluctuating cash flows, debt management, and operational efficiency that influence profitability and long-term sustainability. The findings provide valuable insights for investors, policymakers, and industry stakeholders, offering strategies for improving financial performance and ensuring growth in a competitive market.

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 Keywords

Software Sector, Investment, Financial Performance, Financial Stability, Liquidity, Solvency, Efficiency, Profitability.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Phishing is one of the widespread and hazardous forms of cybercrime breeding in the digital world, tricking individuals into giving their sensitive information such as their passwords and financial information by pretending to be some trusted body safe to enter or provide sensitive data. Although there have been continuous advancements in cybersecurity, phishing attacks have continued to outgrow the safety mechanism, employing advanced techniques that exploit loopholes in the current safety mechanisms to curb phishing attacks. Conventional methods, including blacklisting and heuristic-based detection systems, face difficulty to keep track of the changing nature of these threats. These systems depend on known phishing schemes and would not adapt quickly to new ones, hence prone to serious financial and data losses of users and organizations. To answer this growing issue, this system would be developed under PhishNetGuard: a real-time phishing solution.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Phishing, LSTM, URL Vectorisation.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

: The increasing demand for sustainable and eco-friendly construction materials has led to the exploration of alternative building materials such as compressed soil bricks (CSBs) reinforced with agricultural by-products. This study investigates the potential of incorporating sugarcane fiber and rice husk ash (RHA) into compressed soil bricks to enhance their mechanical properties and sustainability. Sugarcane fiber, a natural and biodegradable material, is utilized to reinforce the soil matrix, while rice husk ash, a by-product of rice milling, serves as a partial cementitious material to improve the binding properties of the bricks. The research focuses on optimizing the proportions of sugarcane fiber and RHA in the brick mixture to achieve an ideal balance between strength, durability, and workability. Experimental testing, including compressive strength, water absorption, and shrinkage, was conducted to assess the performance of the composite bricks. The results indicate that the addition of sugarcane fiber and RHA improves the compressive strength and reduces water absorption, making the bricks suitable for low-cost, sustainable construction. Furthermore, the incorporation of agricultural waste materials enhances the environmental benefits of the bricks, reducing the carbon footprint associated with traditional clay bricks. This study highlights the viability of sugarcane fibre and rice husk ash as sustainable reinforcements in compressed soil bricks, offering a promising alternative to conventional building materials in rural and resource-constrained settings.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Sugarcane fibre, rice husk ash, compressed soil bricks, sustainable construction, agricultural waste, mechanical properties, eco-friendly material

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Creative Commons Attribution 4.0 and The Open Definition

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This paper investigates regional disparities in credit flow and non-performing assets (NPAs) within the Micro, Small, and Medium Enterprises (MSME) sector, particularly focusing on Bihar compared with Jharkhand, Odisha, West Bengal, and the Southern region. Using secondary data from RBI's Report on Trend and Progress of Banking in India (2023-24), this study finds that Bihar's MSMEs experience consistent growth in credit availability but face persistently high NPA levels. Recommendations include enhanced credit risk management and financial inclusion measures to ensure sustainable MSME growth.

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 Keywords

MSME, Credit Flow, Non-Performing Assets, Bihar, Regional Disparities, Financial Inclusion, Industrial Development

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Creative Commons Attribution 4.0 and The Open Definition

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Phishing and typosquatting attacks have emerged as significant threats to cybersecurity, manipulating users into revealing sensitive information. This research introduces URLDefend, an advanced detection system that integrates machine learning algorithms with web-based analysis to identify potentially malicious URLs. The system extracts features based on the URL address, domain characteristics, and HTML/JavaScript elements to classify URLs as either legitimate or suspicious. Additionally, the typosquatting detection module creates domain variations through character substitution and similarity scoring techniques. The backend of the system is developed using Flask, incorporating Redis caching to optimize performance, while the frontend is constructed with React.js to facilitate an interactive user interface. Experimental findings indicate that URLDefend achieves a high level of detection accuracy coupled with a low rate of false positives, thereby contributing to enhanced cybersecurity through a collaborative reporting mechanism.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Phishing Detection, Typosquatting, Machine Learning, Cybersecurity, URL Analysis, Web Security, Collaborative Security.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

In recent days E-commerce market is expanding rapidly in India. Online surveys are coordinated and self-regulated for online shoppers in Kalaburagi, Karnataka, India. The study included a total of 86 online shoppers. The findings show that more Females below the age 18 and less than 20,000 incomes do more online shopping. Online shoppers do shop more Clothing and Apparel followed by Electronic items and use cell phones to do the online shopping. Prefer Flip kart, Meesho followed by Amazo, Myntra and the least used platform is Big basket. The Government of India has taken lot of initiations for the development of E-Commerce Industry. And lot of recent developments happened in the online websites and their working models. The findings of this study are limited to the customers in Kalaburagi, Karnataka, India. Future research can extend the geographical area of respondents.

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 Keywords

Online Shopping, preference, satisfaction, Investments, Developments.

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Creative Commons Attribution 4.0 and The Open Definition

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Financial regulation has evolved in response to dynamic developments in global economic landscapes, technology advancements, and the growing complexity of financial markets. This chapter presents a historical overview of the evolution of financial regulation, from early banking systems to the current regulatory frameworks that control financial firms around the world. It looks at crucial milestones in the regulatory path, including the establishment of central banks, the enactment of foundational legislation, and the response to major financial crises like the Great Depression and the 2008 global financial crisis. The chapter delves into the motivations for regulatory reforms, including the need for market stability, consumer protection, and the prevention of systemic risk. It also examines the function of international regulatory entities and the current discussion about the appropriate mix of market freedom and control. Through this historical prism, the chapter illustrates the developing issues that regulators face and provides insights into the future path of financial regulation in a more interconnected and digitized global economy.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Financial Regulation, Global Economic Landscape, Technology Advancements, Banking Systems, Central Bank

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Licence: creative commons attribution 4.0

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Stable Diffusion, text-to-image generation, latent diffusion models, AI-generated art, deep learning, generative models, computational creativity, machine learning, image synthesis, artificial intelligence, creative AI, diffusion-based image generation, neural networks, visual content generation, ethical AI.

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Creative Commons Attribution 4.0 and The Open Definition

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Gamification in education has emerged as a transformative pedagogical strategy, integrating game-based mechanics to enhance engagement, motivation, and learning outcomes. This study explores the theoretical foundations of gamification in educational settings, examining its cognitive, behavioral, and constructivist underpinnings. This paper elucidates the psychological and instructional mechanisms that make gamification effective by analyzing key frameworks such as Self-Determination Theory (SDT), Flow Theory, and Operant Conditioning. Additionally, the research investigates emerging trends, including adaptive gamification, artificial intelligence-driven personalized learning, and immersive technologies such as virtual and augmented reality. A critical analysis of recent innovations highlights their implications for curriculum design, student motivation, and knowledge retention. Furthermore, this study discusses challenges such as ethical concerns, over-reliance on extrinsic rewards, and scalability issues. By synthesizing contemporary research and practical applications, this paper provides a comprehensive understanding of the evolving landscape of gamification in education, offering insights for educators, policymakers, and researchers to optimize game-based learning methodologies.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Gamification, Self-Determination Theory, Flow Theory, Operant Conditioning

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Deaths from cancer continue to be a major worldwide problem, often as a result of insufficient diagnosis and therapeutic approaches. As a cutting-edge development, microfluidic technology is essential to automation and miniaturization because it can effectively handle tiny material and sample sizes, from microliters to femtoliters. These tools help create nanoparticles for targeted medication administration in addition to making it easier to identify biomarkers linked to cancer in biological fluids. Numerous cancer treatment modalities, like as gene delivery, radiation therapy, and chemotherapy, may be investigated and improved using microfluidics. Microfluidics has many benefits in cancer, such as high throughput, remarkable sensitivity, low material consumption, and cost-effectiveness. The purpose of this study is to draw attention to the potential features, advantages, and therapeutic uses of microfluidic devices in the detection and management of cancer.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Cancer, diagnosis, drug delivery, gene delivery, microfluidics, radiotherapy.

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Creative Commons Attribution 4.0 and The Open Definition