Winter

Volume 14 Winter

Financial Literacy and Savings Behavior in India: An Analytical Study of Trends, Determinants, and Policy Implications

Financial Literacy and Savings Behavior in India: An Analytical Study of Trends, Determinants, and Policy Implications Abstract Financial literacy is a vital factor in shaping financial decisions of individuals and is more pertinent in developing economies like India. The paper examines the relationship between financial literacy and savings behavior of households in India. It explores […]

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Volume 14 Winter

Digital Pathways to Property Buyers: Rethinking Lead Generation in Real Estate

Digital Pathways to Property Buyers: Rethinking Lead Generation in Real Estate Abstract The real estate industry has undergone significant transformation due to the rapid growth of digital technology and internet accessibility. Traditional methods of property promotion such as newspaper advertisements, brokers, and pamphlets are gradually being replaced by digital platforms including social media, property portals, […]

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Volume 14 Winter

Analyzing the Dynamic Impact of Monetary Policy Shocks on Inflation and Unemployment

Analyzing the Dynamic Impact of Monetary Policy Shocks on Inflation and Unemployment   Abstract This paper investigates the dynamic impact of monetary-policy shocks on inflation and unemployment using a Structural Vector Autoregression framework. Using high-frequency data from the Federal Reserve Economic Data database, it analyzes the transmission mechanism of the Federal Funds Rate. The methodology […]

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Volume 14 Winter

AI- Driven Credit Scoring in Indian Financial Institutions: Opportunities, Risks, and Regulatory Implications

AI- Driven Credit Scoring in Indian Financial Institutions: Opportunities, Risks, and Regulatory Implications Abstract This paper examines whether machine learning models can meaningfully improve upon logistic regression for credit default prediction in the Indian banking context—and if so, whether those improvements come at the cost of interpretability that regulators require. We work with a panel […]

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Volume 14 Winter

Scope of Cloud Infrastructure in Optimising MSMEs’ Business Environment

Scope of Cloud Infrastructure in Optimising MSMEs’ Business Environment   Abstract Micro, Small, and Medium Enterprises frequently face limited financial resources, weak IT infrastructure, cybersecurity risks, operational inefficiencies, and restricted market access. This paper examines how cloud-based solutions can improve MSME operations through scalability, cost reduction, flexibility, efficient data management, business continuity, and digital transformation. It […]

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Volume 14 Winter

Impact of Social Media Engagement on Brand Loyalty Among Millennials

Impact of Social Media Engagement on Brand Loyalty Among Millennials   Abstract This study examines the relationship between social-media engagement and brand loyalty among millennials. It investigates how likes, comments, shares, storytelling, and user-generated content influence customers’ emotional attachment to brands. Based on existing literature, the findings suggest that engaging social-media content increases millennials’ trust […]

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Volume 14 Winter

A Review of Python Programming Language and Emerging Trends

A Review of Python Programming Language and Emerging Trends   Abstract Python has emerged as one of the most influential programming languages in modern computing because of its simplicity, versatility, and extensive ecosystem. This paper reviews Python’s evolution, features, applications, advantages, and limitations. It also examines emerging developments involving artificial intelligence, automation, cloud computing, and […]

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Volume 14 Winter

Bibliometric Insights into Research on SMEs’ Access to Finance

Bibliometric Insights into Research on SMEs’ Access to Finance   Abstract Small and Medium Enterprises contribute significantly to economic growth, employment, innovation, and poverty reduction but often struggle to obtain formal financing. This study uses bibliometric methods to examine global research on SME access to finance, including publication patterns, contributors, journals, themes, and emerging trends. […]

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Volume 14 Winter

Financial Literacy and Savings Behavior in India: An Analytical Study of Trends, Determinants, and Policy Implications

Financial Literacy and Savings Behavior in  India: An Analytical Study of Trends,  Determinants, and Policy Implications  Abstract Financial literacy is an important factor affecting individual financial decisions, particularly in developing economies such as India. This paper examines how financial knowledge influences household saving, investment behaviour, and financial well-being. Based on secondary data from research papers, reports, and […]

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Volume 14 Winter

Digital Pathways to Property Buyers: Rethinking Lead Generation in Real Estate

Digital Pathways to Property Buyers: Rethinking Lead Generation in Real Estate   Abstract The real estate industry has transformed because of the rapid growth of digital technology and internet accessibility. This study examines how social media, property portals, search engines, and online advertisements influence property searches, enquiries, and purchasing behaviour. Survey findings from 100 respondents […]

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