Volume 14 | Issue 5 |

 Abstract

To empirically evaluate the macroeconomic impact of financial innovation, specifically digital banking adoption, on the comprehensive financial performance and revenue stability of commercial banks in India. Utilizing secondary quarterly data (N = 40) spanning a ten-year fiscal horizon from FY 2015-16 to FY 2024-25, this study operationalizes Digital Banking Transaction Volume (DBTV) as the focal independent variable. Banking sector performance is captured through four distinct dependent variables: Return on Assets (ROA), Return on Equity (ROE), Net Interest Margin (NIM), and Non-Interest Income Ratio (NIIR). The compiled dataset was analyzed via SPSS 26.0 using descriptive statistics and bivariate Pearson correlation frameworks. The empirical results reveal highly significant, strong positive linear correlations between DBTV and all examined bank performance indicators (p < 0.01). Digital transaction scaling exhibits the highest alignment with ROE (r = 0.953) and ROA (r = 0.939), indicating optimized operational asset and capital efficiency. Furthermore, a robust correlation with NIIR (r = 0.931) highlights extensive revenue diversification via digital fee-based streams, while a stable correlation with NIM (r = 0.780) reflects structural interest spread resilience. Financial innovation operates as an essential catalyst for structural efficiency in India's banking ecosystem. Accelerating digital-first frameworks minimizes brick-and-mortar overheads, counteracts competitive pricing pressures, and unlocks alternative commission lines, thereby strengthening long-term systemic profitability, commercial sustainability, and overall modern financial development.

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Financial Innovation, Digital Banking, Commercial Banks, Pearson Correlation, India.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Bharat me Naxalvad: Kya Yah Samapti ki Or Hai?

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Creative Commons Attribution 4.0 and The Open Definition

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Bharat me Naxalvad: Kya Yah Samapti ki Or Hai?

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Creative Commons Attribution 4.0 and The Open Definition

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Labour welfare means provides minimum facilities like health, food,clothing,housing,medical assistance, education, Insurance, job security and recreation to employee. According to Todd " employee welfare means anything done for the comfort and improvement intellectual or social of the employees over and above the wages paid which is not a necessaty of the industry. Employee welfare define as efforts to make life worth living for work men. It refers to the betterment for employees. It is comprehensive term including various services benefits and facilities offer to employees by the employer. There are lots of acts which are passed by the government for the Welfare of the employees.

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Creative Commons Attribution 4.0 and The Open Definition

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Employee, Welfare, Philanthropic, Insurance

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Creative Commons Attribution 4.0 and The Open Definition

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??????? ??? ???? ????? ???? ???? ?? ????? ??? ?????? ??? ??????? ??? ??? ?? ????? ?? ??? ??? ???? ?? ?? ???? ?? ??? ??? ??? ????? ??? ???? ????? ?? ????? ????? ?? ??? ?? ?? ?? ??? ??? ??? ??? ???? ????? ??? ????? ???? ????? ???? ????? ????? ??? ??? ????? ?? ??? ?? ???? ??? ??? ?? ??? ????? ????? ???????? ?? ??? ??? ?????? ???????? ????? ?? ?????? ??? ??? ?????? ?? ???? ???? ??? ??? ??? ?? ?????? ???? ???? ????? ??? ???????? ??? ???? ??? ??? ???? ??????? ????????? ??? ???????? ?? ????? ??? ??? ?? ??? ???? ??? ??????? ?? ?????? ???? ???????? ?? ??????? ????? ?? ??? ?????? ??? ???? ???????? ???? ??? ????? ?? ????? ???? ???? ??? ?????? ?? ?????? ????? ?????? ??? ????? ??? ????? ?? ??? ??? ?????? ???? ?? ?? ???????? ???? ????? ??? ???? ???? ????? ????? ??? ?????? ??? ????? ??? ?? ???? ?? ?????? ???? ?? ???? ???? ?? ???

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??? ???, ???????, ?????,????? ????, ?????? ??????? , ????,

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Creative Commons Attribution 4.0 and The Open Definition

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Patient dignity, comfort, and perception of care are essential components of quality nursing practice. While clinical interventions remain central to patient recovery, non-clinical aspects such as patient grooming, hygiene, and presentation also contribute significantly to patient well-being and the perceived quality of healthcare services. The "Spruce Up" initiative is a structured nursing-led protocol designed to ensure that hospitalized patients appear clean, comfortable, and presentable during visiting hours and while being transported for procedures. This manuscript describes the conceptualization, components, and implementation framework of the Spruce Up toolkit developed to enhance patient dignity, improve patient and family satisfaction, and strengthen professional nursing image. The protocol includes structured grooming practices, hygiene maintenance, clothing management, oral care, cultural sensitivity measures, and safe patient transport practices. Integrating such a protocol into routine nursing care promotes compassionate caregiving, reinforces professional standards, and improves the overall patient experience within healthcare institutions.

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Creative Commons Attribution 4.0 and The Open Definition

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Patient Dignity, Patient Experience , Compassionate Nursing Care , Holistic Nursing Care ,Nursing Professionalism, Patient-Centred Care

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Creative Commons Attribution 4.0 and The Open Definition

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Bhartiya Gyan Parampara Me Shrimadbhagvat Geeta Ke Bahuvidh Aayam - Ek Darshnik Chintan ????? ?????? ?? ??? ??????? ??? ?? ?? ?? ???? ????? ???????? ?? ??? ???? ???????? ???? ???? ?? ?????? ?? ????, ???, ?????, ???, ???, ???? ??????, ???? ?????, ??? ?????? ??? ?? ????? ?? ????? ???? ?? ???? ? ?? ?? ???????? ??? ??? ?? ????? ?????????? ???????? ??? ???? ?? ?? ?????? ?? ??? ? ?? ???? ???? (Human Body) ????? ????? ?? ???????? (?????) ???? ?? ??? ???? ???????? ????? ??? ?? ???? ??? ?? ??? ??? ? ????? ?? ???????? ???? ?? ????? ?????????? ?????????? ????? ??, ?? ??? ??? ? ??????? ??? ?? ???? ?? ???? ?????? ????????? ?? ? ??? ??, ?? ?? ?? ????????? ????

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Bhartiya Gyan Parampara Me Shrimadbhagvat Geeta Ke Bahuvidh Aayam - Ek Darshnik Chintan

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Creative Commons Attribution 4.0 and The Open Definition

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Career planning is a critical skill in the rapidly evolving 21st-century workplace, where the World Economic Forum projects that approximately 39% of core work skills will change by 2030. Existing career guidance platforms remain fragmented, static, and non-personalized, limiting their effectiveness for students and early-career professionals. This paper presents the design and development of a web-based Career Path Guidance System built using full-stack technologies--HTML/CSS/JavaScript for the frontend and Python/JSON for the backend. The proposed system provides personalized career roadmaps, skill assessment modules, and structured learning pathways in a unified, responsive interface. The architecture adopts a lightweight, database-free design using JSON files for persistence, ensuring simplicity and maintainability. Testing results confirm that all functional modules--including authentication, profile management, and roadmap generation--operate correctly and reliably. The platform addresses key gaps in existing systems by offering interactive, personalized, and data-driven career guidance, thereby empowering users to make proactive career decisions. Index Terms--Career guidance, full-stack web development, personalized roadmap, skill assessment, Python, JSON, HTML/CSS/JavaScript, career planning platform.

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Creative Commons Attribution 4.0 and The Open Definition

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Career guidance, full-stack web development, personalized roadmap, skill assessment, Python, JSON, HTML/CSS/JavaScript, career planning platform.

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Creative Commons Attribution 4.0 and The Open Definition

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Black cotton soil in India is another name for expansive soil. It tends to change its volume a lot because it takes in a lot of water and shrinks when it dries. This constant swelling and shrinking puts stress on structures, which can lead to damage like cracks in floors, foundations, and basement walls. The main problems with expansive soil are that it doesn't hold weight well, it compresses easily, it swells and puts pressure on things, and it shrinks. Studies have shown that using plastic and industrial waste materials is a good way to make expansive soil more stable. Adding materials like sawdust, rice husk, sugarcane bagasse, waste tires, incineration ash, fly ash, ceramic dust, glass fiber, broken bricks, agricultural waste, sawdust ash, and lime to the soil can make it better for geotechnical purposes. These improvements include a better maximum dry density, an optimal moisture content, a plastic limit, a liquid limit, a shear strength, a specific gravity, a swelling potential, and a California Bearing Ratio. Standard geotechnical tests like the Standard Proctor test, the Atterberg limits test, the specific gravity test, the unconfined compressive strength test, the California Bearing Ratio test, and the free swell test are used to measure these properties. This review paper is about figuring out the best amount of waste materials to use to make expansive soil better.

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Expansive clay, Soil stabilization, Waste plastic, Industrial by-products, Geotechnical enhancement, Swelling behavior, Shear strength, Sustainable construction materials.

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Creative Commons Attribution 4.0 and The Open Definition

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Parkinson disease (PD) is a progressive neurodegenerative disease, which has a significant impact on speech production due to motor disabilities. The early and precise diagnosis of PD is a burning clinical issue that indicates the necessity of non-invasive and valid diagnostic methods. This paper proposes a speech-based method of PD detection, and it employs spectral acoustic features and a support vector machine (SVM) classifier. Spectral descriptors such as Mel Frequency Cepstral Coefficients (MFCC) and Mel-spectrogram coefficients are received by acoustic signals in order to capture pathologic variations in the vocal patterns. Experimental findings show that the suggested framework provides an accuracy of 85% exceeding a number of the state-of-the-art approaches. These results suggest that spectral speech biomarkers together with machine learning algorithms provide an effective and non-invasive method of screening PD. Therefore, the suggested method has great potential in aiding the non-invasive diagnosis in the clinical environment.

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Creative Commons Attribution 4.0 and The Open Definition

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PD, Speech signal, RF ,Spectral Feature.

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Creative Commons Attribution 4.0 and The Open Definition

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Extracellular vesicles are believed to play a vital role in various diseases. The study of extracellular vesicles (EVs) and nanoparticles (NPs) is rapidly expanding because recent discoveries have revealed a much greater complexity and diversity than was appreciated only a few years ago. New types of EVs and NPs have recently been described. Proteins and nucleic acids previously thought to be packaged in exosomes appear to be more enriched in different types of EVs and in two recently identified membranous NPs, exomeres and super meres. Thus, our understanding of cell biology and intercellular communication facilitated by the release of EVs and NPs is in flux. In this review, we describe the different types of EVs and NPs, highlight recent advances, and present major outstanding questions. Despite their clinical potential, the lack of sensitive preparatory and analytical technologies for EVs poses a barrier to clinical translation. New analytical platforms, including molecular ones, are thus actively being developed to address these challenges. Recent advances in the field are expected to have a far-reaching impact in both basic and translational studies.

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Creative Commons Attribution 4.0 and The Open Definition

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Role of Extracellular Vesicles in Intercellular Communication

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Creative Commons Attribution 4.0 and The Open Definition