Volume 13 | Issue 3 |

 Abstract

The banking sector has seen significant change as a result of information technology (IT), which has reduced the disconnect between customer trust and innovation. With an emphasis on cybersecurity, AI adoption, customer satisfaction, and digital transformation, this study explores how IT may improve banking services. The research provides valuable insights into the broad acceptance of IT-driven banking products by examining customer perceptions across a number of demographic categories, including age, gender, and professional background. A structured survey is used to gather primary data for the study, and a one-way ANOVA technique is used to analyze the results in order to identify demographic variations in perceptions. Important topics examined include the benefits of AI-powered services, IT-driven customer support, and how IT affects conventional banking procedures. The results show that customer opinions of IT in banking are comparable across demographic groups, suggesting widespread adoption of IT innovations including chatbot-assisted customer care, secure online transactions, and AI-powered customized offerings.The findings demonstrate how important it is for banking to continue its digital transformation in order to maintain customer trust and operational efficiency. Investing in state-of-the-art IT infrastructure not only meets evolving customer needs but also enhances cybersecurity, promoting long-term loyalty and consistent growth. This study highlights how crucial IT is to transforming banking experiences, bridging demographic gaps, and ensuring that financial services remain accessible, secure, and efficient for all. By prioritizing innovation and trust, banks can create long-term value in a technologically sophisticated and competitive world.

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 Keywords

Information technology, Cyber security, AI adoption, Customer satisfaction, Digital transformation.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Creating a chatbot for a university website introduces an always-available digital assistant aimed at enhancing user experience and improving access to information. This virtual assistant involves several critical components. First, the user interface is key, providing a conversational chat window for users to interact with the chatbot. Equally important is the chatbot's ability to understand and process natural language, allowing it to accurately interpret and respond to user queries. A comprehensive knowledge base is also essential, containing university-specific information such as academic programs, course details, and frequently asked questions, with potential real-time data integration. After determining user intent, the chatbot must generate relevant, clear, and contextually appropriate responses. Continuous learning from user interactions is crucial to improving its performance over time. Seamless integration into the university's website is required to ensure a cohesive user experience. Additionally, maintaining rigorous data security and privacy standards is essential to safeguard users' information and foster trust in the system.

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 Keywords

Personalized Course Recommendations, Campus Navigation Assistance, Virtual Campus Tours, Event Reminders, Academic Resources, Student Support Services, Virtual Library, Emergency Alerts

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This research aims to optimize 3D-printable concrete mixes for automated layer-by-layer construction processes, addressing unique challenges such as fluidity, rapid setting, and material stability. A suite of mixes using Portland Pozzolana Cement, fly ash, fine aggregate, water, superplasticizers, and viscosity-modifying agents were prepared and tested. The results show enhanced concrete flow and printability, feasible small-scale structure construction with minimal waste and labor, and ecological benefits from fly ash utilization. This project contributes significantly to the science of automated construction, paving the way for upscaling applications with 3D printable concretes, and supporting the evolution of more efficient and environmentally friendly construction approaches.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

3D Printable Concrete, Sustainable Concrete Materials, Crushed Glass as Fine Aggregate, Eco-Friendly Concrete.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The Government of India's Digital India plan envisions providing all individuals with a digital identity to ease the Public services are delivered online using electronic authentication. A distinct, permanent, online, and credible digital identity is also required. To employ mobile phones as electronic tools for identity authentication, they could be connected to digital identification. Linking people's cell numbers to their Aadhaar numbers can make online authentication with Aadhaar, which is already accessible as an authentication mechanism from UIDAI, easier. This eliminates the need for consumers to provide their Aadhaar number for each transaction because their cell phone numbers would serve as their Aadhaar numbers. In India, it is now estimated that 71% of the population uses mobile devices. Mobile is becoming a convenient and affordable way to conduct business because of factors like rising mobile internet usage, falling handset prices, and the rise of low-end smartphones. Although there are many opportunities to use mobile phones for public service delivery, using mobile phones as digital identity tools for delivering public services is an innovative and useful use of mobile phones. Mobile phones are already being utilized by a variety of applications, such as those used by banks, to authenticate their online clients. Mobile devices must be unique, legitimate, and meet non-repudiation requirements in order to be used as authentication tools for digital identities. While institutions such as banks can meet the above requirements by physically verifying and enrolling users in mobile banking, as well as linking a user's mobile number to her already existing identity registered with banks, it is more difficult for government entities to provide public services. For the government, one feasible solution would be to link users' cell phones to their Aadhaar, a unique and verified identity supplied by a trusted body, UIDAI (Unique Identification Authority of India).

Licence: creative commons attribution 4.0

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Digital India, e governance,models

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The export performance of flowers shows a positive sign in the global scenario. Indian exporters cater to the demand of dry, fresh flowers across the world. India is striving hard to increase its position among its competitors in the flower exports. The horticulture department of India and the ministry of commerce can revamp its policy and strategies to boost the export to a significant level.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Dry flower export data, Floriculture, Dry flower Future Trend Analysis, Horticulture

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Social media has become an integral part of consumers' daily lives, influencing their attitudes, preferences, and purchasing decisions. This study explores the impact of social media platforms on consumer buying behaviour, focusing on the dynamics of engagement, trust, and decision-making processes. The research employs a mixed-methods approach, combining surveys and interviews with 500 consumers across diverse demographics. Key findings reveal that social media influences consumer behaviour by increasing brand awareness, facilitating peer recommendations, and providing personalized marketing content. Additionally, factors such as platform type, content credibility, and influencer marketing were found to significantly affect consumer trust and purchase intent. The study concludes by offering practical insights for businesses to optimize their social media strategies to align with evolving consumer preferences. This research contributes to the understanding of digital marketing trends and provides a foundation for further exploration of consumer behaviour in the digital era.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Brand awareness, Content credibility, Influencer marketing, Purchase intent, Digital marketing

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The efficient utilization of organic fertilizers plays a crucial role in sustainable agriculture by enhancing crop productivity while preserving soil health. This research introduces an Organic Fertilizer Prediction System, a machine learning-driven approach designed to recommend the optimal type and dosage of organic fertilizer based on specific soil and climatic conditions. The system leverages a comprehensive dataset encompassing key agricultural parameters, including soil pH, organic matter content, macronutrient levels (Nitrogen, Phosphorus, Potassium), soil texture, temperature, humidity, rainfall, crop type, and growth stage. To develop an accurate predictive model, multiple machine learning algorithms--Random Forest, Support Vector Machine (SVM), Decision Tree, K-Nearest Neighbors (KNN), and Gradient Boosting--were trained and evaluated. Among these, the Random Forest algorithm demonstrated superior performance and was selected as the final model for deployment. The trained model is integrated into a Flask-based web application that enables users to input real-time soil and environmental data, subsequently generating tailored fertilizer recommendations. By providing data-driven insights, this system supports farmers in making informed fertilization decisions, thereby improving agricultural efficiency, optimizing resource usage, and promoting environmentally sustainable farming practices. Future research will focus on expanding the dataset to improve model generalization and exploring advanced machine learning techniques to enhance prediction accuracy.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Organic fertilizer, Machine learning, random forest, fertilizer recommendation.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The automated vending machine for sanitary napkins represents an innovative approach to meeting the urgent demand for accessible menstrual hygiene products across various settings. It accommodates a wide array of preferences by providing different sizes and brands of napkins, ensuring that users can find a product that suits their specific requirements. The integration of digital payment methods, including mobile and contactless options, facilitates a smooth, cashless transaction process, which is especially advantageous for upholding hygiene standards in public or communal areas. A significant advancement of this machine is its incorporation of the ESP32 microcontroller, which supports secure transactions and allows for remote monitoring. With real-time inventory management, operators can keep track of stock levels and receive maintenance notifications remotely, ensuring that the machine remains functional and well-stocked. This capability is vital for locations with high foot traffic, enabling timely restocking and minimizing downtime. By deploying this solution in environments such as schools, workplaces, public restrooms, and transit stations, the initiative not only enhances menstrual hygiene but also tackles accessibility challenges, empowering women and girls by providing straightforward and stigma-free access to essential products. This initiative marks a significant advancement in public health, menstrual equity, and the acceptance of menstrual care in public settings.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

ESP32, Menstrual Hygiene, Online payment, Different Sizes and Brands.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Paribesh holo jiban byabashar utso. Nari o paribesh abichheddovabe aboddho. Narir jiban jibikar sange paribesh o prokriti ghanisthovabe jorito.Narirai sobsamay sochchar hoyechhe prokritir sangrokkhane o paribesh rokshay. Narir sange paribesh o prokritir nibir somporko, ja srishtir adi theke sikrito. Biswabanker 1991 saler protibedane bola hoyechhe je, mati. Jalsaho prakrik sampad byabashapanay narira aporiharya vimika palan korechhen. Ban,shakti, charpasher prakritik biswa ba paribesh sapoke tader atit abang bortaman gan royechhe. Prithibir sabdeshe, bishesh kore unnoyanshil desh o anunnato desher narike tar protidiner kajer jonno paribesh o prokri nivor hote hay.Protidin jete hoy prokritir kachhe. Tara tader besirvag samay ban,jalavumi, khamar rakkhonabekhan,khaddo,jalani kath,jal abanggabadi pashur khaddo sangraho o sangrokkhoner byay koren..Tara sankhagarishta manusher Jonno khaddoSarvaraho koren,bishes kore grammachole. Unoyanseal deshgulite pray 60-80% khaddo mahilader dara utpadito hoy. Ai karane prokritir biporyoye narira beshi khatigrotho hoy. Tay, ai biponnotake protihato korar jyonno nariray narira sabar age protibad kare abang parbesh suraksha bivinno samaye nijeder jibanke sope diyechhen.abang tara hoyeuthechhilen paribesh andolaner ayannotamo kandari. Bharater paribesh surakshay gore utha chipko andolan, narmoda bachao andolan,silent valley andolan provriti andolane narira aggroganno vumika palan kore chhilen.aMedha Patekar, Kingkori Debi, BAndana Shiba promukho narider paribesh suraksha andolane tader asadharan netritto narir srijanshil khamotake suprasistho kare. Nari natritto anek challengeer mukhomukhi hoyechhilo. Tabe tara andolan theke pichhopa hanni.Bir bikrome tara larai chaliye gechhen. Ai gabeshana probondhe thekhano hoyechhe je Sekal o Ekal arthat sakal samoye paribeshbadi andolane narir netrito o jokdan govirvabe antorik abang paribesher sange narir jeno narir govir jog royechhe.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Paribesh,Prokriti, Nari. Protibad, Paribesh suraksha,Unnoyan, Narir khamotayan.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

E-commerce for sustainable development presents prominent opportunities and challenges in today's global economy. This abstract explores the key aspects of this dynamic field. E-commerce offers a platform for businesses to reach a broader market, reduce operational costs, and reduce the harm typical retail does to the environment. However, challenges such as digital divide, cybersecurity threats, and logistical complexities need to be addressed to fully harness the potential of e-commerce for sustainable development. This abstract delves into the opportunities and challenges that e-commerce presents in fostering economic growth, social inclusivity, and environmental sustainability. By understanding and navigating these factors effectively, stakeholders can leverage e-commerce as a powerful weapon for driving sustainable development in the modern world.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

E-commerce, Opportunities, Challenges, Sustainable Development Goals (SDGs).

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Creative Commons Attribution 4.0 and The Open Definition