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Issue 1 Volume 14

Scope of Cloud Infrastructure in Optimising MSMEs’ Business Environment

SCOPE OF CLOUD INFRASTRUCTURE IN OPTIMISING MSMEs’ BUSINESS ENVIRONMENT   Abstract Micro, Small, and Medium Enterprises (MSMEs) are vital drivers of economic progress, contributing to job creation, exports, innovation, and industrial expansion. Despite their significance, these enterprises often struggle with constraints such as insufficient financial resources, weak IT infrastructure, cybersecurity vulnerabilities, operational inefficiencies, and limited […]

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Issue 1 Volume 14

Role of Artificial Intelligence in Employee Development and Engagement

ROLE OF ARTIFICIAL INTELLIGENCE IN EMPLOYEE DEVELOPMENT AND ENGAGEMENT   Abstract The advent of Artificial Intelligence (AI) has brought about a paradigm shift in the field of Human Resource Management (HRM), particularly in the methods employed for employee development and engagement. Organizations are increasingly adopting AI-driven technologies, including machine learning and predictive analytics, to personalize […]

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Issue 1 Volume 14

Bibliometric Insights into Research on SMEs’ Access to Finance

BIBLIOMETRIC INSIGHTS INTO RESEARCH ON SMEs’ ACCESS TO FINANCE   Abstract Small and Medium Enterprises (SMEs) are crucial contributors to economic progress, job creation, innovation, and poverty alleviation in both developed and emerging economies. However, these enterprises frequently experience difficulties in obtaining formal financial support due to issues such as lack of collateral, information gaps, […]

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Issue 1 Volume 14

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 […]

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Issue 1 Volume 14

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

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 […]

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Issue 1 Volume 14

Application of Data Mining in Indian MSMEs

APPLICATION OF DATA MINING IN INDIAN MICRO, SMALL AND MEDIUM ENTERPRISES   Authors Dr. Pramod Pathak, Aanika Gupta, Gautam Kumar, Gulshan Kumar, Garima PDF Link View Full Paper

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Issue 1 Volume 14

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 whether such improvements come at the cost of interpretability required by regulators. The study uses a panel of […]

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