Volume 13 | Issue 6 |

 Abstract

The rapid evolution of financial technology (fintech) has revolutionized the way consumers interact with financial services in India. With the proliferation of digital payment systems, neobanks, peer-to-peer lending platforms, and robo-advisors, consumer engagement in the financial sector has undergone a dramatic transformation. However, this progress raises significant regulatory concerns related to data privacy, cybersecurity, financial inclusion, and consumer protection. This paper explores the existing regulatory landscape governing fintech in India, focusing on the role of the Reserve Bank of India (RBI), the Securities and Exchange Board of India (SEBI), and other key institutions. It evaluates how these regulations influence the consumer experience in terms of trust, accessibility, innovation, and transparency. The study also highlights regulatory challenges and suggests ways to create a balanced framework that promotes innovation while safeguarding consumer interests. The paper concludes by emphasizing the need for adaptive, technology-neutral, and consumer-centric regulatory policies to foster sustainable fintech growth in India.

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 Keywords

Fintech, Consumer Experience, Regulatory Framework, India, RBI, SEBI, Digital Payments, Financial Inclusion, Data Privacy, Consumer Protection, Innovation, Cybersecurity, Financial Regulation

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Home automation is transforming traditional living spaces into intelligent environments through the integration of Internet of Things (IoT) devices and smart control systems. This project presents a low-cost, scalable, and intelligent home automation system utilizing the NodeMCU (ESP8266) microcontroller and the Cadio mobile application as a control and monitoring platform. The system enables users to remotely manage household appliances--such as lighting, fans, and other electronic devices--via Wi-Fi connectivity and cloud-based communication. The Cadio app serves as an intuitive and flexible interface, allowing users to interact with connected devices without the need for complex coding or hardware modifications. It supports real-time monitoring, custom dashboards, and multi-device management, which makes it ideal for both novice users and developers. The NodeMCU collects sensor data and sends status updates to the Cadio cloud, while receiving control commands from the mobile application. To enhance the automation experience, basic AI functionalities such as rule-based automation, time scheduling, and conditional triggers are integrated. These AI features allow the system to make intelligent decisions based on sensor inputs--like turning off lights when no motion is detected or adjusting fan speed based on temperature readings. Advanced extensions can also include voice assistant integration, energy consumption analysis, and predictive maintenance alerts. This implementation demonstrates how combining the simplicity of NodeMCU hardware with the power of the Cadio app and AI-driven logic creates a robust home automation solution. The system is highly customizable, energy-efficient, and offers an accessible entry point for smart home development.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Home Automation,Internet of Things, nodeMCU ESP8266, Cadio Mobile Application, Voice Assistant Integration, Cloud.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Jajpur, a historically significant region in Odisha, holds a rich archaeological heritage that reflects the cultural and architectural synthesis of various dynastic influences. While primarily known for its Hindu and Buddhist antiquities, the medieval period saw the emergence of Indo-Islamic architectural traditions, shaped by the region's evolving political and social landscape. This study explores the medieval archaeology of Jajpur, focusing on the Indo-Islamic monuments that stand as testaments to cultural integration and artistic exchange. By examining mosques, tombs, and other structures, this research highlights their architectural features, construction techniques, and historical significance. The study also delves into the role of Sufi saints and the gradual spread of Islamic influences, emphasizing the coexistence of diverse traditions. Through an analysis of material culture, inscriptions, and historical records, this research aims to provide a comprehensive understanding of Jajpur's Indo-Islamic heritage and its broader implications for medieval Odisha's socio-religious landscape.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Key Words: Indo-Islamic, Monument, Archaeology, Jajpur, Architecture.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Kaphaja Yoni Vyapad is one of the most prevalent and pressing issues that women world-wide deal with. White discharge from the vagina, itching and minor vaginal pain are the symptoms. Based on the primary complaints and an assessment of the illness, Valvo vaginal Candidiasis and Kaphaja Yoni Vyapad are compared. For this issue, numerous treatments are recommended; nevertheless, they are not without adverse effects and recurrence. Therefore, choosing the right course of treatment is crucial. Methodology: Here is a case report of a patient with complaints of Kaphaja Yoni Vyapad diagnosed vaginal candidiasis by High vaginal swab culture test selected from Outpatient Department of Sanjeevani Ayurveda hospital jodhpur PGIA jodhpur Rajasthan. Lohradi Yoni Varti for 7 days for two cycle and Amlaki Beej Churna orally will be given to the patients for 2 months.Results: Local therapies such as Sthanika Chikitsa have lot of potential in treating Yoni Vyapad and in the drugs with its Guna Karma helps in breaking the Samprapti of Kaphaja Yoni Vyapas. Discussion: Amlaki Beej Churna orally as Shaman Ausadh and Sthanik Chikitsha Lohradi Yoni Varti use as Sthanik Chikitsha.,those drugs having Guna Karma Soshan Sthambhan ,, Ropana, Yonidoshahara, Kandugna properties helps for the treatment of Kaphaja Yoni Vyapad.

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 Keywords

Kaphaja Yoni Vyapad, Pichhila, Sheetala Srava, Amalaki Beej Churna orally and Lodhradi Yoni Varti,VVC(Valvovaginal Canadidiasi)

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Creative Commons Attribution 4.0 and The Open Definition

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In an age dominated by digital connectivity, the Fear of Missing out (FOMO) has emerged as a potent psychological and economic force, significantly shaping consumer behaviour. This paper explores the intersection of FOMO-driven consumption patterns and the pursuit of sustainable development. Through a multidisciplinary lens integrating behavioural economics, environmental psychology, and sustainability studies, this research examines how FOMO influences impulsive consumption, undermines eco-conscious decision-making, and contributes to environmental degradation. Drawing on global and Indian case studies, digital marketing analyses, and youth behavioural trends, the study identifies key challenges and offers policy recommendations to align consumer culture with the goals of sustainable development. The paper concludes that addressing FOMO at both structural and behavioural levels is essential for fostering responsible consumption and achieving the Sustainable Development Goals (SDGs).

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

FOMO, consumer behaviour, sustainability, impulsive consumption, digital economy, SDGs, environmental psychology

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Aravind Adiga's The White Tiger, Between the Assassinations and Last Man in Tower move toward the old set up of society were losing ground. This research paper attempts to trace the various ways in which multicultural approaches have been used in relation to Post colonialism. The relationship between history and culture, reality and its representations, society and aesthetics has been discussed. This paper focuses on impacts of globalization, identity crises, society, culture - Indian village culture as well as life and culture in metropolitan cites. Adiga's novels explore the conditions between old and new generations, impacts of technology on social changes and degradation of contemporary society. This paper displays political, historical and linguistic differences in the view of ethnic, class and gender perspectives.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Multicultural Approach, Post colonialism, Culture, Society, Globalization and Identity Crises

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The growth of e-commerce has been significant in India over the past few years, and it has provided a platform for businesses to reach consumers in a much more efficient way. However, this also exposes consumers to various digital risks. Digital risks refer to the various risks that consumers face when they engage in e-commerce activities. Some of the significant digital risks include data breaches, cyber-attacks, phishing, identity theft, and fraudulent transactions. These risks can cause significant damage to both consumers and e-commerce businesses. Consumers can lose their personal information, suffer financial losses, and even face reputational damage. E-commerce businesses can face significant financial losses, damage to their brand reputation, and legal issues. Effective risk management strategies are essential for mitigating these risks and ensuring the continued growth and success of ecommerce businesses. Companies must adopt a proactive approach to identify, assess, and manage potential risks to protect both their assets and their customers' interests.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

The growth of e-commerce

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Creative Commons Attribution 4.0 and The Open Definition

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The present study aimed to find the difference in the level of Academic Motivation, Depression, Anxiety, and Stress in first-generation male and female college students, and also to find out the relationship between Academic Motivation, Depression, Anxiety, and Stress in both groups. For this purpose, 200 students were selected following the criteria of inclusion. They were divided into two groups, first-generation male students (N=100) and first-generation female students (N=100). Finally, they were assessed on Academic Motivation, Depression, Anxiety, and Stress with AMS C-28 and DASS-21. The result of the present study shows that male and female college students of first-generation do not differ in their Academic Motivation and Depression, but female students have more Anxiety and Stress, compared to male students. In case of male students, Academic Motivation and Depression are negatively correlated, and the relationship is low, and other variables do not show a significant relationship. But in the case of the female, all variables Depression, Anxiety, and Stress are negatively correlated with Academic Motivation, and the relationship is weak, but Anxiety, Stress, and Depression have a moderate positive relationship.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

academic motivation, depression, anxiety, stress, first-generation college students

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

This research paper aims to explore the intersection of Bessie Head's work 'A Collector of Treasures, and Jordan Peele's movie 'Get Out' are deeply interwoven through their exploration of racism, oppression, and the struggle for individuality within oppressive social structures. Both works highlight the pervasive impact of racial and gender-based discrimination, portraying how Black individuals especially women struggle for autonomy. In the text 'A Collector of Treasures', Head presents the dire situation of women in African society, focusing on oppressive gender roles and the violence both mental and physical inflicted on women seeking independence, and their individuality. Similarly, In 'Get Out, the movie exposes the deep-rooted evil practices of racial exploitation, with the protagonist, Chris, experiencing modern-day enslavement under the guise of liberal acceptance. The Themes of colorism and dehumanization manifest in both works, with 'Get Out' critiquing the society's fetishization of Black bodies, while Head explores how beauty standards are mechanized against women. Furthermore, both the text and the cinematic adaptation examines the exploitation of sexuality as addressed by Head how men abandon their responsibilities while making women suffer, 'Get Out' presents the use of interracial relationships as a tool for control and manipulation in contemporary times. Eventually, both the narratives criticize the societal structures that entrap Black individuals, emphasizing their fight for liberation. By intertwining these themes, 'Collector of Treasures' and 'Get Out' serve as powerful commentaries on the enduring struggles against racial and gender-based oppression.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Black Bodies, Colorism, Exploitation, Dehumanization, Discrimination, Fetishization, Oppression, Racism.

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

Communication is one of the most powerful and essential tools of human existence. It is through communication that individuals express their ideas, convey emotions, form social bonds, and participate meaningfully in society. However, for millions of people around the world living with visual, hearing, or speech impairments, the ability to communicate and navigate their environment independently remains a persistent challenge. These barriers can lead to social isolation, decreased mobility, and reduced quality of life.In response to these challenges, this project presents an integrated assistive technology solution designed to empower individuals with such impairments. The system combines two core functionalities: a voice-assisted navigation system for visually impaired users, and a sign language recognition module for individuals with speech or hearing disabilities.The navigation module uses a combination of sensors (such as ultrasonic or LiDAR) and artificial intelligence to detect obstacles in the user's path. It delivers real-time audio feedback, guiding users safely through their surroundings and reducing the risks associated with independent mobility. This system is especially helpful in urban environments where navigating streets, avoiding obstacles, or crossing roads can be daunting without visual assistance.In parallel, the sign language recognition module utilizes a camera to capture hand gestures and interprets them using computer vision techniques and machine learning algorithms. These gestures are then translated into audible speech or on-screen text, enabling users with speech impairments to communicate more effectively with others, even in environments where interpreters or other aids are unavailable.What sets this project apart is its focus on simplicity, accessibility, and affordability. Designed with the end-user in mind, the system uses cost-effective components and prioritizes portability and ease of use. This ensures that the benefits of advanced assistive technology can reach underserved populations, including those in low-resource settings.Ultimately, this project is not just about technological innovation--it is about human dignity. It aims to restore a sense of independence, confidence, and connection for individuals who are often marginalized by communication and mobility barriers. By leveraging modern technology with compassion and purpose, the system serves as a step toward a more inclusive and equitable society.

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

AI, Machine Learning, Convolutional Neural Networks, Python, Open cv, Tesseract, espeak.

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Creative Commons Attribution 4.0 and The Open Definition