Volume 13 | Issue 4 |

 Abstract

India's financial sector is pivotal for economic inclusion, with public sector banks (PSBs) and India Post Financial Services serving diverse populations. This study applies the SERVQUAL model to compare service quality between PSBs and India Post, focusing on five dimensions: tangibles, reliability, responsiveness, assurance, and empathy. The research aims to identify service gaps, compare performance, and propose improvement strategies. A quantitative survey was conducted with 200 customers (100 from each provider) in urban (Delhi, Mumbai) and semi-urban (Jaipur, Patna) areas in March 2025. Respondents rated expectations and perceptions on a 22-item SERVQUAL scale. Gap scores (perception minus expectation) were analyzed using descriptive statistics and t-tests to compare providers. Results reveal PSBs outperform India Post in tangibles (mean gap: -0.45 vs. -0.78) and assurance (-0.39 vs. -0.67), benefiting from advanced infrastructure and regulatory trust. India Post excels in empathy (-0.32 vs. -0.51) and responsiveness (-0.41 vs. -0.58), reflecting its community-oriented approach. Reliability gaps are similar for both (PSBs: -0.62, India Post: -0.65), indicating systemic delays. Urban customers reported larger gaps than semi-urban ones, suggesting expectation disparities. PSBs' technological edge contrasts with India Post's outdated facilities, though the latter's personalized service mitigates dissatisfaction. Recommendations include digital upgrades for India Post, process streamlining for PSBs, and staff training to enhance empathy and reliability. This study contributes to understanding service quality in India's public financial sector, highlighting the balance between modernization and human-centric service. Limitations include the exclusion of rural perspectives and cross-sectional design. Future research could explore longitudinal trends or rural dynamics. These findings inform policymakers and providers aiming to strengthen financial inclusion through improved service quality.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

SERVQUAL, Public Sector Banks, India Post Financial Services, Service Quality, Customer Satisfaction, Financial Inclusion, Empathy

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

In today's digital era, Artificial Intelligence (AI) has emerged as a powerful tool transforming how businesses operate. While large corporations are rapidly embracing AI to optimize operations and enhance customer experiences, small businesses still face several challenges in adopting such advanced technologies. This study focuses on analyzing the benefits and challenges of AI adoption among small businesses in Coimbatore District. It explores the level of awareness, industry- specific usage, key influencing factors, and the barriers faced by small business owners. The findings reveal a growing interest in AI, but highlight obstacles such as high costs, lack of skilled personnel, and data privacy concerns. The study also provides suggestions to increase AI adoption through training, cost-effective tools, and government support.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Artificial Intelligence, Small Business, AI Adoption, Digital Transformation.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This study explores the challenges encountered by rural policyholders during the agricultural insurance claims process in Coimbatore district, Tamil Nadu. Despite the existence of schemes such as PMFBY and NAIS, farmers often face issues such as a lack of awareness, documentation barriers, and delayed settlements. A structured questionnaire was administered to 100 respondents using convenience sampling. Simple percentage analysis was used to evaluate the data. Results indicate that while awareness of insurance schemes is relatively high, claim-related challenges such as delays and limited access to assistance remain significant. The study offers targeted recommendations for policymakers and insurers to enhance the effectiveness of agricultural insurance in rural India.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Agricultural Insurance, Rural Policyholders, Insurance Claims, Claim Settlement, PMFBY, NAIS

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

In educational institutions and workplaces, traditional attendance systems based on manual entry, which are time-consuming and prone to errors or proxy attendance. To address these challenges, an Automated Attendance System using Face Recognition offers a contactless and efficient solution. This system utilizes machine learning and computer vision to detect and recognize faces, ensuring accurate and real-time attendance marking. By integrating facial recognition with a database, it automates the process, reducing administrative workload and preventing fraudulent attendance. Additionally, security measures such as encrypted data storage and access control ensure privacy and reliability. This technology enhances efficiency, accuracy, and security in attendance management.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Face Recognition, Automated Attendance, Machine Learning, Computer Vision, Security, Privacy

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This study has been undertaken to investigate the attitude of the Muslim scholars when the British wrested power from the Muslim hands and its after effects in the relation between Muslims and British authority. The great scholar of India, Shah Abdul Aziz Dehlavi emerged as a determined opponent of British rule, issued a landmark fatwa declaring India under British control as Dar-ul-Harb (abode of war). Motivated by him, Sayyid Ahmad Barelvi and his followers started an armed struggle and it continued until 1857.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Indian freedom struggle, Muslim freedom struggle, British occupation of India, Indian Wahhabis, Waliullah, Tariqah Muhammadiyah, Shah Abdul Aziz Dehlavi, Sayyid Ahmad Barelvi

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Herbal marshmallow candy; Indian Pharmacopoeia; Loss on Drying; Dissolution; Honey; Diabetic-friendly; Ashwagandha.

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This project presents a comprehensive time series analysis of Monkeypox case trends globally using the Facebook Prophet model. The analysis integrates all four types of analytics Descriptive, Diagnostic, Predictive, and Prescriptive (DDPP) to understand trends, identify hotspots, forecast future outbreaks, and optimize resource allocation. Unlike real-time systems, this is a one-time analysis based on historical WHO data. The results help policymakers design strategic interventions like vaccine prioritization, resource mobilization, and awareness campaigns.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Time Series Forecasting , Monkeypox Outbreak , Epidemiological Modeling , Facebook Prophet , ARIMA Model , Public Health Analytics , Predictive Analytics , Prescriptive Analysis , Disease Trend Prediction , Data-Driven Decision Making

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The fashion industry is under growing pressure to embrace sustainable practices due to its substantial environmental effect. This case study investigates the relationship among modern technology and conventional reuse practices to build an environmentally friendly fashion future. This study investigates how cutting-edge technologies like artificial intelligence (AI)-driven fashion, electronic fashion, and cryptocurrencies for supply chain transparency, when combined with reuse techniques like upcycling and textile-to-textile recycling, can minimise waste, cut carbon emissions, and develop a circular economy. An exhaustive investigation of well-known companies and creative startups is part of the report. The results show that although conventional approaches are still important, technology is becoming more and more important in helping to scale and improve the efficacy of environmentally friendly methods in the fashion industry. This study provides useful information to fashion industry stakeholders who want to promote sustainability by combining innovation and reuse in a balanced way.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

1. Upcycling 2. Textile Recycling 3. AI driven fashion 4. Electronic fashion 5. Environmentally friendly fashion 6. Reduce waste

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Faulty software detection is a critical task in software development because it can highly impact the quality and reliability of software systems. In this paper, we propose a novel approach for faulty software detection using machine learning and the XGBoost algorithm. Our approach utilizes a dataset of Python code with control structures of basic such as if, else, and do while loops, and applies the XGBoost algorithm to diagnose faults in the code. We evaluate the performance of our approach using metrics such as accuracy, precision, recall, F1-score, and ROC AUC score, and compare it with existing research. Our results show that the XGBoost algorithm is highly effective in diagnosing faults in Python code, and our approach achieves state-of-the-art results on many machine learning challenges. We also provide insights on cache access patterns, data compression and sharding to build a scalable tree boosting system. By combining these insights, our approach scales beyond billions of examples using far fewer resources than existing systems.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

LSTM, Machine Learning, XGBoost, Python, Fault software detection, Deep Learning

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Computer Science, Cyber Security

  License

Creative Commons Attribution 4.0 and The Open Definition