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Archives Volume No: 12, Issue No: 2, Year: 2025 (Special Issue)

TABLE OF CONTENTS

Paper Title:
THE ROLE OF AI AND DIGITAL TECHNOLOGIES IN SHAPING TOMORROW’S COMMERCE EDUCATION
Author Name:
Adarsha K N & Ravi B.C
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897193
Page No.:
1-14
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THE ROLE OF AI AND DIGITAL TECHNOLOGIES IN SHAPING TOMORROW’S COMMERCE EDUCATION
Author: Adarsha K N & Ravi B.C

ABSTRACT
This article looks at the impact of the contemporary digital technologies on commerce
education. The study involved a sample of 200 students who were enrolled in different
learning institutions. The research evaluated knowledge of students, confidence, benefit and
challenge perceptions and future career impact expectations using structured questionnaire.
The results provide the evidence that students are generally aware and partially prepared to
use digital tools, as they are conscious about the individualizing possibility, as well as ethical
issues of novel technology. They were found to be equally prepared when compared to the
rural backgrounds and urban background, though increased awareness was closely associated
with the more positive attitude. The paper highlights the importance of more training, ethics,
and closing digital divides among learners. The implications of the results include curriculum
development and creation of more inclusive learning environments.
Keywords: Commerce education, Artificial Intelligence, Student readiness, Digital
technologies, AI adoption

Paper Title:
LEVERAGING ARTIFICIAL INTELLIGENCE TO ADVANCE PERSONALIZED LEARNING IN HIGHER EDUCATION
Author Name:
Basappa С
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897244
Page No.:
15-25
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LEVERAGING ARTIFICIAL INTELLIGENCE TO ADVANCE PERSONALIZED LEARNING IN HIGHER EDUCATION
Author: Basappa С

ABSTRACT
The rapid integration of Artificial Intelligence (AI) in education has redefined the dynamics
of teaching and learning, making personalized learning a crucial strategy for enhancing
student engagement and academic success. In today’s context, higher education institutions
are increasingly exploring AI-driven solutions to meet the diverse learning needs of students.
The present study aims to examine the role of AI in fostering personalized learning and to
develop an integrated framework that strengthens student engagement and performance in
higher education. The research adopts a descriptive method, using a structured questionnaire
based on a five-point Likert scale. A total of 250 respondents were selected through
purposive sampling from Mysore, Bangalore, Mangalore, Hassan, and Mandya in Karnataka.
Descriptive statistics, regression, and ANOVA were employed for data analysis. The major
findings indicate a strong positive relationship between personalization quality, perceived
usefulness, and student engagement, with significant variations across regions. The results
highlight that effective AI integration enhances learning outcomes while underscoring the
need for addressing ethical and infrastructural challenges. The study contributes to the
existing body of knowledge by offering insights that can guide institutions in designing
adaptive and inclusive learning environments using AI.
Keywords: Artificial Intelligence, Personalized Learning, Higher Education, Student
Engagement, Karnataka

Paper Title:
A HOLISTIC AND TRANSFORMATIVE APPROACH TO HIGHER EDUCATION IN INDIA: BRIDGING GLOBAL PERSPECTIVES WITH LOCAL REALITIES
Author Name:
Boregowda M. A.
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897307
Page No.:
26-38
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A HOLISTIC AND TRANSFORMATIVE APPROACH TO HIGHER EDUCATION IN INDIA: BRIDGING GLOBAL PERSPECTIVES WITH LOCAL REALITIES
Author: Boregowda M. A.

ABSTRACT
Higher education in India is undergoing a profound transformation shaped by global
influences, national aspirations, and the pressing demands of the twenty-first century.
Traditional models, often centered on rote learning and discipline-based silos, are proving
inadequate for preparing students to thrive in a rapidly changing, knowledge-driven, and
interconnected world. This article explores the scope of holistic and transformative
approaches in Indian higher education by drawing from global best practices, national policy
reforms, and empirical evidence. Using a mixed-methods framework, the study combines
surveys, interviews, and document analysis to examine how holistic pedagogy—emphasizing
critical thinking, creativity, emotional intelligence, and ethical reasoning—can enhance
graduate outcomes. The findings reveal widespread recognition of the importance of
interdisciplinary learning, soft skills, and experiential education, but also highlight systemic
barriers such as rigid curricula, resource constraints, and uneven institutional quality. The
article concludes with actionable suggestions for policymakers, institutions, and educators,
underscoring the need for context-sensitive innovations that balance India’s rich culturaleducational heritage with contemporary global demands.
Keywords: Higher education, holistic learning, transformative education, NEP 2020, India,
interdisciplinary learning, employability.

Paper Title:
IMPACT OF ONLINE CUSTOMER REVIEWS AND RATINGS ON CONSUMER PURCHASE DECISIONS: A STUDY OF E-COMMERCE PLATFORMS IN INDIA
Author Name:
Divyasri S.V.
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897473
Page No.:
39-44
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IMPACT OF ONLINE CUSTOMER REVIEWS AND RATINGS ON CONSUMER PURCHASE DECISIONS: A STUDY OF E-COMMERCE PLATFORMS IN INDIA
Author: Divyasri S.V.

ABSTRACT
In the digitally driven Indian marketplace, consumer decisions on e-commerce platforms are
increasingly influenced by online customer reviews and ratings. This study examines how
review valence (positive/negative), volume, credibility and star-ratings affect purchase
intention, brand perception, and actual buying behaviour across Indian e-commerce
platforms. The research draws on secondary empirical findings and three case studies of
Indian e-commerce contexts to illustrate mechanisms, impacts, and practical implications.
Results indicate that higher star-ratings and review volumes tend to increase purchase
intention, while negative reviews—even though fewer—can have disproportionate influence
on consumer trust and decision delays. Review credibility (verified purchases, reviewer
reputation) moderates these effects. The study identifies key challenges such as fake or
manipulated reviews, review-fatigue and information overload, and offers solutions including
platform-driven authenticity protocols, review-display governance, and consumer education.
Findings hold significance for marketers, platform designers and policy-makers seeking to
optimise the role of customer-generated feedback in India‟s e-commerce ecosystem.
Keywords: online customer reviews, ratings, purchase intention, e-commerce India,
consumer trust, review credibility, review volume, star ratings.

Paper Title:
GST 2.0 IN INDIA: SECTOR-WISE IMPACT AND ECONOMIC TRANSFORMATION – STUDY WITH SPECIAL REFERENCE TO SELECT SECTORS
Author Name:
S R Ganesh
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897554
Page No.:
45-53
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GST 2.0 IN INDIA: SECTOR-WISE IMPACT AND ECONOMIC TRANSFORMATION – STUDY WITH SPECIAL REFERENCE TO SELECT SECTORS
Author: S R Ganesh

ABSTRACT
The Goods and Services Tax (GST) has been one of India’s most transformative tax reforms,
aimed at streamlining indirect taxation and fostering transparency in trade. The introduction
of GST 2.0 in September 2025 marks a landmark development in the country’s indirect tax
framework. This reform simplifies the previous multi-tier structure into a two-slab system of
5% and 18%, with an additional 40% slab applicable to luxury and sin goods. The revised
structure seeks to enhance consumption, simplify compliance, and improve economic
efficiency across various sectors. This study examines the sector-wise impacts of GST 2.0
using secondary data, focusing on key industries such as pharmaceuticals, real estate, textiles,
agriculture, automobiles, consumer durables, and hospitality. The analysis reveals that the
reform has lowered consumer costs, increased the affordability of essential goods and
services, and stimulated sectoral demand and growth. Furthermore, compliance
enhancements—such as pre-filled returns and expedited refund mechanisms—have
significantly reduced the operational burden on MSMEs and retailers. Although certain
sectors continue to face transitional challenges, the overall evidence suggests that GST 2.0
serves as a catalyst for economic transformation, fostering formalization, enhancing supply
chain transparency, and advancing India’s goals for sustainable and inclusive growth. The
study concludes that while GST 2.0 has positively impacted both stakeholders, continuous
policy refinement and targeted awareness programs are necessary to ensure inclusive and
sustainable tax compliance.
Keywords: GST 2.0 reforms, Two-rate GST structure, Tax rationalization, Rate
simplification, Transparency and compliance

Paper Title:
CUSTOMER PERCEPTION AND SATISFACTION TOWARD FINTECH-ENABLED MICROFINANCE SERVICES IN KARNATAKA
Author Name:
B.A. Karunakara Reddy & Hema N
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897614
Page No.:
54-68
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CUSTOMER PERCEPTION AND SATISFACTION TOWARD FINTECH-ENABLED MICROFINANCE SERVICES IN KARNATAKA
Author: B.A. Karunakara Reddy & Hema N

ABSTRACT
The rapid integration of Financial Technology (FinTech) into microfinance has reshaped
access to financial services, particularly in developing regions. This study examines customer
perception and satisfaction toward FinTech-enabled Microfinance Institutions (MFIs) in
Karnataka, where technology-driven microfinance initiatives are expanding. Primary data
were collected from 400 clients across eight districts using a structured questionnaire, and
analyzed through descriptive statistics, correlation, multiple regression, and Structural
Equation Modelling (SEM). The results reveal that perceived usefulness, trust, and ease of
use significantly influence customer satisfaction, while transparency shows a modest effect.
Education and age act as moderating factors, indicating that younger and more educated
clients are more responsive to FinTech adoption. The findings confirm that FinTech enhances
the operational efficiency, accessibility, and service quality of MFIs but highlight continuing
challenges related to digital literacy and trust. The study provides managerial, policy, and
technological recommendations to strengthen customer-centered FinTech practices and
promote inclusive financial participation across Karnataka.
Keywords
FinTech; Microfinance Institutions (MFIs); Customer Perception; Customer Satisfaction;
Digital Financial Inclusion; Karnataka; Structural Equation Modelling (SEM)

Paper Title:
INFLUENCE OF ICT TOOLS ON CLOSING THE DIGITAL GAP IN DEGREE COLLEGES: INSIGHTS FROM RURAL MYSORE (KARNATAKA), INDIA
Author Name:
H. S. Kongalappa & Deepika
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897668
Page No.:
69-75
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INFLUENCE OF ICT TOOLS ON CLOSING THE DIGITAL GAP IN DEGREE COLLEGES: INSIGHTS FROM RURAL MYSORE (KARNATAKA), INDIA
Author: H. S. Kongalappa & Deepika

ABSTRACT
The digital divide continues to be one of the most significant barriers to inclusive higher
education in India, particularly in rural areas. With the increasing integration of technology in
education, Information and Communication Technology tools are viewed as key enablers in
bridging this gap. This study examines the impact of ICT tools on reducing the digital divide
among degree students in rural Mysore District, Karnataka. A mixed-method approach was
employed, involving surveys with 300 students and 30 faculty members from three rural
degree colleges, focus group discussions, and direct field observations. This research
analyzes student’s digital access, literacy, use of ICT enabled learning, and their effect on
academic engagement. The findings reveal that ICT tools, especially mobile friendly
asynchronous learning resources, smart classrooms, WhatsApp based communication, and
localized bilingual digital content, have improved access, engagement, and learning
outcomes. However, challenges persist in the form of connectivity issues, limited device
availability, a lack of localized content, and inadequate digital skills. This study concludes
that bridging the digital divide in rural colleges requires a combination of affordable
technology, teacher training, community partnerships, and sustained policy support.
Keywords: ICT tools, digital divide, rural higher education, Mysore, digital literacy, blended
learning, and inclusive education.

Paper Title:
THE INFLUENCE OF GENERATIVE AI ON THE EDUCATION SYSTEM IN INDIA – A SYSTEMATIC APPROACH TO TRANSFORMATION, CHALLENGES, AND POLICY IMPERATIVES
Author Name:
Mahesh R
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897759
Page No.:
76-86
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THE INFLUENCE OF GENERATIVE AI ON THE EDUCATION SYSTEM IN INDIA – A SYSTEMATIC APPROACH TO TRANSFORMATION, CHALLENGES, AND POLICY IMPERATIVES
Author: Mahesh R

ABSTRACT
The systematic literature review emphasises how Generative Artificial Intelligence (GenAI)
tools, such as ChatGPT, Gemini AI, Grok, Perplexity, etc., shape an educational system in
India by presenting opportunities and application challenges. In line with the National
Education Policy (NEP) 2020, GenAI supports scalable, personalized, and adaptive learning,
essential for a diverse population and high teacher-to-student ratios (Sharma, 2023; Tambat,
2024). The AI tools improve the best content delivery by enabling instant translation and
producing quality materials in regional languages while streamlining administrative tasks for
educators (Reddy, 2024).
The study identifies significant blockades to equitable adoption of AI tools. The digital gap
remains a primary concern, as rural India's inadequate infrastructure and low digital literacy
may worsen socio-economic disparities by restricting access to AI various resources for
marginalized students (Lourdu et al., 2025; PMC, 2023). Risks to academic integrity from
easy content generation and concerns about student over-reliance and reduced critical
thinking require prompt institutional action (Gupta, A.; Mahaseth, H.; Bajpai, 2025). Data
privacy and algorithmic bias also present ethical challenges that demand effective
governance (A. Damodaran & Shiva Kanwar, ICRIER, 2025; Kadam, 2025). An AI
Preparedness Framework is recommended to focus on infrastructure investment, mandatory
AI literacy for students and teachers, and a transition to competency-based assessments to
uphold educational standards. Thus, integrating GenAI in the education system successfully
in India requires a vigilant, human-centered, and policy-led approach to ensure equitable
educational development and to enhance students' knowledge across the various disciplines
(Lulu Gao, 2025). Since India has been advancing in the technology arena and aiming to
achieve Vikasith Bharath by 2047, the strategic integration of GenAI could bridge the gap
between academia and industry. This article illuminates various aspects of GenAI and its
contribution to education to enlighten young minds.
Key Words
Gen AI, National Education Policy, ChatGPT, Gemini AI, Vikasit Bharath

Paper Title:
COMMERCE EDUCATION FOR RURAL WOMEN IN MANDYA TALUK- CHALLENGES AND OPPORTUNITIES
Author Name:
Manjunatha .K & Prasad .H.K
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897798
Page No.:
87-94
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COMMERCE EDUCATION FOR RURAL WOMEN IN MANDYA TALUK- CHALLENGES AND OPPORTUNITIES
Author: Manjunatha .K & Prasad .H.K

ABSTRACTS:
Commerce education has emerged as a vital tool for empowering women, especially in rural
regions where economic participation remains limited. In district like Mandya, access to
structured commerce education can significantly influence women’s financial literacy,
entrepreneurial capacity, and career aspirations. However, rural women continue to face
persistent challenges including socio-cultural constraints, inadequate infrastructure, limited
digital access, and a curriculum that often lacks contextual relevance.
This paper explores both the barriers and the emerging opportunities in promoting commerce
education among rural women. Drawing insights from field observations, institutional data,
and policy reviews, it highlights how targeted interventions-such as vocational modules,
digital platforms, and community-based learning-can bridge the educational gap.
The study also emphasizes the role of government schemes, local institutions, and curriculum
reform in enhancing participation and outcomes. By identifying actionable strategies, the
paper aims to contribute to the discourse on inclusive education and gender-responsive
development in semi-urban India.
Key words: Commerce Education, Women Empowerment, Rural Development, Government
Schemes, Digital Literacy.

Paper Title:
A CONCEPTUAL STUDY ON INTEGRATING DIVERSE LEARNING STYLES WITH EDU VISION 2035: AN OPPORTUNITY TO TRANSFORM EDUCATION THROUGH DIVERSITY
Author Name:
Manjunatha V & Gunashree B
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897848
Page No.:
95-100
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A CONCEPTUAL STUDY ON INTEGRATING DIVERSE LEARNING STYLES WITH EDU VISION 2035: AN OPPORTUNITY TO TRANSFORM EDUCATION THROUGH DIVERSITY
Author: Manjunatha V & Gunashree B

ABSTRACT
This article delves into integrating diverse learning styles with the transformative objectives
of India’s Edu Vision 2035. Learning styles, such as visual, auditory, kinaesthetic, tactile,
individual, and group, represent the varied ways in which individuals perceive and process
information. The Edu Vision 2035, envisions an inclusive, flexible and holistic education
system that resonates deeply with these diverse preferences. By aligning pedagogical
methods with different learning styles, the Edu Vision 2035 seeks to create an equitable,
learner-centred environment that fosters creativity, critical thinking and lifelong learning.
This integration supports the Edu Vision 2035’s goals, including holistic and
multidisciplinary education, skill development and technology adoption, while promoting
equity and Indian cultural heritage. Visual learners benefit from diagrams, infographics and
multimedia resources; auditory learners thrive through discussions, storytelling and oral
presentations; kinaesthetic and tactile learners excel in hands-on and experiential learning
environments. Additionally, individual and group learners find tailored opportunities for
introspection and collaboration, respectively.
With strategies like teacher training, adaptive curricula and competency-based assessments,
incorporating learning styles ensures a personalized approach to education. This article
emphasizes how such integration can revolutionize the Indian education system, equipping
students with the skills and adaptability required for a rapidly evolving global landscape.
Keywords: Edu Vision 2035, Learning Styles, Learner-centred environment, Skills and
adaptability

Paper Title:
GREEN MARKETING AS AN EDUCATIONAL POLICY INGREDIENT TO ENVIRONMENTAL CITIZENSHIP
Author Name:
Nagamani C G & Anouja Mohanty
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897907
Page No.:
101-111
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GREEN MARKETING AS AN EDUCATIONAL POLICY INGREDIENT TO ENVIRONMENTAL CITIZENSHIP
Author: Nagamani C G & Anouja Mohanty

ABSTRACT
This is a review study where the researcher examines the ways in which the application of
green marketing concept into educational policy structures can enhance environmental
citizenship and promote sustainable behaviour among the learning institutions. The research
is based on the synthesis of theoretical, empirical, and policy-oriented views of the
intersection of sustainability education, behavioral communication, and institutional
governance rather than reading lists and other related areas through the use of the scoping
review methodology of Arksey and O'Malley (2005). The review is based on Scopus
database and UNESCO and OECD repositories and determines the key policy entry points,
including the design of the curriculum, the branding of the institution, operational
management, and community partnerships, in which entry point green marketing can be
applied ethically and effectively.
The results indicate that whole-institution strategies facilitated by the ESD 2030 Roadmap by
UNESCO and sustainability frameworks by the European Commission are the most effective
when used with behaviorally informed strategies like nudges, boosts, and social marketing
campaigns. The combination of these interventions with open communication and the ability
to report on sustainability increases greatly pro-environmental attitudes, trust, and civic
engagement among the students. The result of the analysis also highlights the necessity of
ethical governance as the means of avoiding greenwashing and promoting integrity in
communication. Besides, the consistency between the green marketing strategies and the
OECD Learning Compass 2030 competencies allows education systems to make
sustainability rhetoric actionable in terms of citizenship output.
The research findings also conclude that green marketing can be institutionalized in
educational policies by means of systemic, transparent, and competency-based models that
can help turn educational institutions into a source of sustainable culture and civic duty.
Future studies need to undertake longitudinal and equity-based studies to determine the long
term effect of these policy integrations on the development of environmental citizenship.
Keywords:
The green marketing, environmental citizenship, educational policy, sustainability education,
environmental awareness, sustainable development, policy integration, eco-conscious
behavior.

Paper Title:
A DESCRIPTIVE STUDY ON THE ROLE OF TECHNOLOGY IN EDUCATION - ISSUES AND CHALLENGES
Author Name:
Navya .B.S
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897956
Page No.:
112-120
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A DESCRIPTIVE STUDY ON THE ROLE OF TECHNOLOGY IN EDUCATION - ISSUES AND CHALLENGES
Author: Navya .B.S

ABSTRACT:
Technology has become an inseparable of our daily lives, and its influence on education is
transformation. Technologies have revolutionized and continue to revolutionize the way we
live, work, play, relax and for that matter practically every aspect of our life. In 21st century,
technology serves as a powerful tool for educational innovation. The present research article
focusing on significant role of technology in education issues and challenges with
solutions,Media used in education, Need of technology in classrooms and advantages of
technology in the education process. This article based on secondary data information and
past study related to Imperative Roles of Technology in Education.
Key words: - Educational technology, e-learning platforms, Imperative Roles, Challenges,
proliferation, digital classrooms, E-mail, device, etc.

Paper Title:
A STUDY ON INSTITUTIONAL SUPPORT SERVICES TO ENTREPRENEURS IN TUMAKURU DISTRICT
Author Name:
Raghavendra B S
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17897991
Page No.:
121-124
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A STUDY ON INSTITUTIONAL SUPPORT SERVICES TO ENTREPRENEURS IN TUMAKURU DISTRICT
Author: Raghavendra B S

ABSTRACT:
This study examines the institutional support services available to entrepreneurs in Tumkur
district, Karnataka, with a focus on government and non-government agencies that facilitate
entrepreneurship development. A sample of 280 entrepreneurs was surveyed using structured
questionnaires. Statistical tools such as percentage analysis, chi-square tests and Likert scalebased mean score ranking were used to analyze perceptions regarding institutional services.
The findings reveal significant contributions from District Industries Centre (DIC), KIADB,
KSSIDC, MSME/Technology Centres, and university incubators, but also highlight gaps in
awareness, accessibility, and financial support. Recommendations are provided to strengthen
institutional frameworks and enhance entrepreneurship outcomes.
Key-words: entrepreneurs, services, awareness, utility

Paper Title:
CONNECTIVITY BETWEEN TEACHING AND RESEARCH TOWARDS QUALITY ENHANCEMENT IN HIGHER EDUCATION INSTITUTIONS
Author Name:
Ramyashree K K, Shiva Kumara H M & Girisha M C
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898052
Page No.:
125-132
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CONNECTIVITY BETWEEN TEACHING AND RESEARCH TOWARDS QUALITY ENHANCEMENT IN HIGHER EDUCATION INSTITUTIONS
Author: Ramyashree K K, Shiva Kumara H M & Girisha M C

ABSTRACT:
The arrangement between research teachings has been alive and European institutions
surviving more than 500 years and many things have changed but eternal themes of teaching
and research in one combination or another continue. The researcher always convert the
research knowledge to constructive teaching ability and convert the methodology towards
academic activities inclusion of inductive teaching methodology.
Purpose of the study: This study aimed at describing teacher‟s perception of research
activity with integration towards teaching. The study focusing on the quality of teaching
which influence by research work by teacher. Researchers and academic teachers are at the
front line of teaching scientific methods for the society.
Methodology: The present study mainly based on the primary data as well as secondary data.
This study belongs to descriptive in nature with holistic approach towards teaching and
research. The primary data was collected through well-defined questionnaire and
administered statistical tools with SPSS.
Findings: The study found that research decision have moderate influence on teaching and
research engagement always influence on teaching activity. Also found that teaching
integration with research influences on research decisions with more relevant research
activities.
Research Implication: The connectivity between teaching and research is always crucial
and inevitable for the enhancement of teaching and performance of teacher and institution.
This relationships very complex in nature due to several factors and availability of resources.
The individual and institution has to build pathway for teaching learning and research must
go hand in hand.
Originality of the Study: According to this study the connection between research and
teaching is mediating through new model “ LETERE model “ this model opens up a way of
seeing the clear parallelism between research and teaching. This new model enhance the
connection between research and teaching and creates new design for right kind of research
for the enhancement of performance.
Keywords: LETERE, Performance, Teaching, Research, Knowledge.

Paper Title:
A STUDY ON CONSUMER PERCEPTION TOWARDS GREEN PRODUCTS IN MANDYA CITY
Author Name:
Ravi.B.C.
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898092
Page No.:
133-140
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A STUDY ON CONSUMER PERCEPTION TOWARDS GREEN PRODUCTS IN MANDYA CITY
Author: Ravi.B.C.

ABSTRACT:
The growing awareness of environmental issues has led to a significant shift in consumer
behaviour, particularly in the Fast-Moving Consumer Goods (FMCG) sector, where the
demand for green products is steadily increasing. This research explores the factors
influencing consumer perception and their subsequent impact on the adoption and purchasing
decisions of green products within this sector. The study on consumer perception of green
products in Mandya city. It found that consumers are aware of green products and believe
they are better for health and the environment, but they are often deterred by higher prices
and limited availability. While a significant portion of consumers are willing to pay more for
green options, they face barriers in accessibility and a lack of information, highlighting a
need for better marketing, clearer eco-labels, and increased local availability.
Keywords: Consumer Perception, Green Products, FMCG Sector, Environmental
Awareness, Consumer Behavior, etc.

Paper Title:
UNIFIED LENDING INTERFACE: A STRONG TRUMPCARD TO TRANSFORM THE LENDING LANDSCAPE IN INDIA
Author Name:
Santhosh. D.H & Amulya. S.
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898126
Page No.:
141-147
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UNIFIED LENDING INTERFACE: A STRONG TRUMPCARD TO TRANSFORM THE LENDING LANDSCAPE IN INDIA
Author: Santhosh. D.H & Amulya. S.

ABSTRACT
The Reserve Bank of India has been taking many initiatives to transform the Digital Public
Infrastructure (DPI) of India, where the new initiative of the Unified Lending Interface (ULI)
is expected to transform the lending landscape in India by providing lenders with digital
access to borrowers' data from diverse sources and offering frictionless credit. This paper is
intended to elucidate the concept of the Unified Lending Interface, its evolution, key features,
probable benefits, and challenges, which was earlier known as a Public Tech Platform for
Frictionless Credit (PTPFC). This study also elaborated on the prospective mechanism of the
ULI. This is a paper conceptual nature, and the secondary data has been collected from
multiple sources. It is found that the ULI will be added to the new Trinity of JAM-UPI-ULI,
which significantly contributes to transforming the Indian financial ecosystem. The study
concluded that the ULI streamlines the lending process, seamless flow of digital information,
reduces the credit appraisal time and cost, and smoothens the lending process, especially for
rural and MSME borrowers. The authors opined that the ULI creates a more inclusive
financial ecosystem; however, the data privacy of the borrowers must be safeguarded.
KEYWORDS: Unified Lending Interface, Lending process, Digital information, RBI

Paper Title:
INTEGRATING POLICY, EDUCATION, AND TECHNOLOGY: ADVANCING TIMELINESS AND TRANSPARENCY IN FINANCIAL REPORTING FOR THE INDIAN BANKING SECTOR
Author Name:
Satish Kumar K, Lokanadha Reddy M & M Subramanyam
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898174
Page No.:
148-158
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INTEGRATING POLICY, EDUCATION, AND TECHNOLOGY: ADVANCING TIMELINESS AND TRANSPARENCY IN FINANCIAL REPORTING FOR THE INDIAN BANKING SECTOR
Author: Satish Kumar K, Lokanadha Reddy M & M Subramanyam

ABSTRACT:
This review is on the integration of the government, educational and technological policy to
enhance the timeliness and transparency in the financial reporting in the Indian banking
industry. The issue of uniform implementation of these changes still persists with regards to
the community and the privately sector banks even after the major regulatory changes as
included in the Financial Sector Legislative Reforms Commission (FSLRC), Indian
Accounting Standards (Ind AS) and Basel III Regulations. The regulation by the government
has indeed gone a long way in aligning the financial reporting, but loopholes still prevail
particularly in expediency of reporting.
Another area the review examines is the nature of the financial literacy programs and
education programs that are directed towards equipping banking practitioners with the skills
and capabilities that they can use in addressing the evolving reporting standards. Although
these programs have been successful in enhancing regulatory knowledge, the coverage of
financial literacy programs has not been uniform with rural communities and smaller banks
having huge obstacles to coverage. Introducing financial literacy into the university curricula
may help close these gaps and create a new generation of professionals who will be able to
adhere to high reporting standards.
Increased accuracy, timeliness, and transparency in financial reporting have been
demonstrated to be possible with technological innovations, such as artificial intelligence
(AI), blockchain, and cloud computing. There has been however an uneven adoption of such
technologies so that larger urban banks have benefited more than their rural counterparts. To
close this divide, it is necessary to provide specific assistance to technology integration in
smaller and local banks.
This paper demonstrates the importance of the holistic strategy that would include the
adoption of more robust enforcement of regulatory policies, further financial literacy
services, and the application of the technological tools on a large scale. The next round of
research must be based on the empirical research to determine the direct effects of these
interventions on the financial reporting performance and investigate how these strategies,
when applied together, may yield a greater effect on the overall transparency of the Indian
banking industry and its resilience.
Keywords: Financial Reporting, Timeliness, Transparency, Government Policies, Financial
Literacy, Technology Integration, Indian Banking Sector, Basel III, Artificial Intelligence.

Paper Title:
DIGITAL EDUCATION THROUGH SWAYAM PLATFORM: A STUDY ON LEARNING OPPORTUNITIES AND BENEFITS FOR STUDENTS
Author Name:
Shilpa S
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898215
Page No.:
59-166
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DIGITAL EDUCATION THROUGH SWAYAM PLATFORM: A STUDY ON LEARNING OPPORTUNITIES AND BENEFITS FOR STUDENTS
Author: Shilpa S

ABSTRACT
Digital education has become a powerful area of education with the use of technology and
digital tools to support and enhance teaching, learning, and assessment. It encompasses
various forms of education, including online courses, interactive platforms, virtual
classrooms, and the integration of digital resources into traditional face-to-face settings. By
leveraging technology, digital education aims to make learning more accessible,
personalized, and effective, empowering students with the digital skills needed for the
modern world. Digital learning offers advantages like flexibility, accessibility, and a wide
range of resources. The SWAYAM (Study Webs of Active-learning for Young Aspiring
Minds) is an Indian government-initiated free online learning platform offering Massive
Open Online Courses (MOOCs) to provide access to quality educational resources for
students. This platform hosts courses prepared by experienced teachers and faculty, covering
various subjects and designed to bridge the digital divide by offering learning materials,
video lectures, self-assessment tests, and discussion forums. The present study analysed the
learning opportunities and benefits of online courses on Swayam to students in getting high
quality education. The study found that students have enormous opportunities to gain
knowledge in various subjects through online courses of SWAYAM Platform. These courses
are associated with various benefits such as free registration, quality education by expert
faculties, credit transfer, flexibility of timings and place, increased employability skills and
also an opportunity of lifelong learning.
Key words: Digital Education, SWAYAM, Massive open online courses, learning
opportunities and benefits of MOOC‟s

Paper Title:
THE ROLE OF INTERSECTORAL COLLABORATION IN COMBATTING CLIMATE CHANGE AND PROMOTING ENVIRONMENTAL SUSTAINABILITY
Author Name:
Sowmya S Murthy
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898260
Page No.:
168-174
View PDF Certificate
THE ROLE OF INTERSECTORAL COLLABORATION IN COMBATTING CLIMATE CHANGE AND PROMOTING ENVIRONMENTAL SUSTAINABILITY
Author: Sowmya S Murthy

ABSTRACT
Intersectoral collaboration plays a vital role in addressing the global crisis of climate change
and advancing environmental sustainability. This paper examines how partnerships between
government bodies, the private sector, non-governmental organizations, and local
communities can collectively strengthen climate change mitigation and adaptation efforts.
By integrating diverse expertise and resources, intersectoral collaboration fosters innovative
solutions, enhances policy coherence, and ensures inclusive participation. The study
highlights the benefits of coordinated action and shared responsibility, also addressing
barriers such as misaligned goals and resource limitations. It concludes that collaborative
frameworks are critical for achieving long-term sustainability and building resilience against
climate challenges.
Keywords: Intersectoral collaboration, government bodies, the private sector, nongovernmental organizations, and local communities, climate change

Paper Title:
ROLE OF CENTRAL GOVERNMENT IN IMPLEMENTATION OF SKILL BASED EDUCATION WITH RESPECT TO HIGHER EDUCATION IN KARNATAKA
Author Name:
Srikanth H K
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898307
Page No.:
175-182
View PDF Certificate
ROLE OF CENTRAL GOVERNMENT IN IMPLEMENTATION OF SKILL BASED EDUCATION WITH RESPECT TO HIGHER EDUCATION IN KARNATAKA
Author: Srikanth H K

ABSTRACT
21th century is Skill based era due to Globalization, Privatisation and Liberalisation.
Education comes under Concurrent list, both central and state government is responsible to
implement skill based education to minimise the gap between skill competence and
Industrial requirements. This research analyses National Education Policy 2020, National
Skill Development Mission , Pradhan Mantri Kaushal Vikas Yojana (PMKVY), National
Apprenticeship Promotion Scheme (NAPS), Higher Education Financing Agency(HEFA) ,
Rashtriya Uchchatar Shiksha Abhiyana(RUSA), PMRF, NEAT and Karnataka government
initiatives like CMKKy, Nipuna Karnataka ,Skill Development Policy 2025-32 and others.
The present study focused on the secondary information related to role of central Govt. on
implementation of skill based education. The present study can be base for the further
development of activities related to adaption of skill based education system in higher
education institutions.
Keywords: Higher Education, Central Government, India, Initiatives.

Paper Title:
THE ROLE OF TECHNOLOGY IN EDUCATION TO ENHANCE TRANSFORMATION AND THE LEARNING EXPERIENCE
Author Name:
Sushma .A.R
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898342
Page No.:
183-188
View PDF Certificate
THE ROLE OF TECHNOLOGY IN EDUCATION TO ENHANCE TRANSFORMATION AND THE LEARNING EXPERIENCE
Author: Sushma .A.R

ABSTRACT:
This paper examines the role of technology in education as an agent of transformation that
enhances teaching and learning experiences. It synthesizes current trends, theoretical
perspectives, and empirical findings to present an integrated view of how digital tools,
platforms, and pedagogical innovations reshape access, engagement, and outcomes. The
study identifies gaps in the literature, proposes a mixed-methods research design to measure
learning transformation, and offers findings from secondary synthesis and hypothetical case
analyses. Recommendations are provided for policymakers, institutions, and educators to
maximize the benefits of technology while addressing equity, quality, and human-centered
concerns.
Keywords: educational technology, digital transformation, learning experience, blended
learning, adaptive learning, equity, pedagogy

Paper Title:
DIGITAL FINANCIAL INCLUSION AND EDUCATION EQUITY IN INDIA (2015-2025): CHALLENGES AND OPPORTUNITIES
Author Name:
Theertha Prasad K
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898365
Page No.:
189-200
View PDF Certificate
DIGITAL FINANCIAL INCLUSION AND EDUCATION EQUITY IN INDIA (2015-2025): CHALLENGES AND OPPORTUNITIES
Author: Theertha Prasad K

ABSTRACT
India has undertaken a transformative digital journey, leveraging its layered digital public
infrastructure, known as the India Stack, to achieve major progress in Digital Financial
Inclusion (DFI). This infrastructure, which includes foundational elements like identity and
instant retail payments (UPI), has lowered the costs of identification and transactions at a
massive scale. National policies, such as the Pradhan Mantri Jan-Dhan Yojana (PMJDY),
have catalyzed widespread financial access.
Concurrently, the National Education Policy (NEP) 2020 has institutionalized technology use
and inclusive financing mechanisms to advance the goal of education equity. The study
analyzes the crucial intersection where digital finance mediates the entire education financing
lifecycle, encompassing application, verification, disbursement, and payment. Digital tools
facilitate the seamless disbursement of scholarships via Direct Benefit Transfer (DBT) and
reduce friction in fee payments through integrated platforms like Bharat BillPay.
Furthermore, efforts like the VidyaLakshmi portal and credit guarantee schemes (CGFSEL)
aim to expand access to education credit and bridge financing gaps for higher education.
However, the research identifies that persistent inequalities across gender, geography, and
income threaten to undermine these gains. Significant challenges remain in translating basic
account ownership into meaningful usage, particularly among women, resulting in account
inactivity. Furthermore, uneven device ownership and connectivity, as documented in
national surveys, sustain a digital divide that affects remote and low-income households.
The paper concludes that achieving genuine education equity requires policy interventions
that move beyond mere access. Key recommendations emphasize coordinating digital
infrastructure with financial protection, including scaling integrated digital and financial
literacy programs, utilizing purpose-bound digital transfers such as e-RUPI vouchers for leakproof scholarship delivery, and implementing infrastructure models (like KFON) to close the
critical last-mile connectivity and device gap for vulnerable segments.
Keywords:
Digital Financial Inclusion (DFI), Education Equity, India Stack, Direct Benefit Transfer
(DBT), Unified Payments Interface (UPI), Gender and Rural Divide

Paper Title:
DIGITAL LITERACY AND FINANCIAL EDUCATION: A DUAL PATHWAY TO EMPOWER FUTURE CITIZENS UNDER EDU VISION 2035
Author Name:
Uma K
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898385
Page No.:
201-216
View PDF Certificate
DIGITAL LITERACY AND FINANCIAL EDUCATION: A DUAL PATHWAY TO EMPOWER FUTURE CITIZENS UNDER EDU VISION 2035
Author: Uma K

ABSTRACT:
The rapid digital transformation of societies demands a rethinking of educational priorities to
ensure citizens are equipped with essential skills for the future. This study explores the
integration of digital literacy and financial education as a dual pathway to empower students
under the framework of Edu Vision 2035. The research aims to examine the combined impact
of dual literacy on student preparedness, analyze demographic variations in literacy
outcomes, and evaluate current curriculum practices.
This study examines the integration of digital literacy and financial education as a unified
framework for empowering students to become future-ready citizens under Edu Vision 2035.
Using a mixed-methods design, survey data were collected from 300 students across socioeconomic and geographic categories, complemented by qualitative insights from learners and
educators. Reliability tests confirmed excellent data quality (α > 0.97), and factor analysis
revealed six distinct dimensions of integrated literacy—digital competence, financial
awareness, digital-financial integration, technology readiness, information application, and
ethical responsibility—explaining 87.78% of total variance. Regression analyses
demonstrated that Integrated Digital–Financial Literacy (IDFL) significantly influences
student preparedness (R² = 0.301, p < 0.001), while socio-economic status emerged as a key
determinant of program effectiveness. Furthermore, inclusivity and experiential learning
strongly predicted policy alignment with Edu Vision 2035 (R² = 0.818). The findings affirm
that holistic integration of dual literacy enhances readiness, inclusion, and sustainable
educational transformation. The study recommends embedding IDFL within mainstream
curricula, strengthening teacher training, and ensuring equitable digital access to realize
national educational goals.
Keywords: Digital Literacy, Financial Education, Edu Vision 2035, Student Preparedness,
Curriculum Integration.

Paper Title:
A STUDY ON DIGITAL MARKETING IN INDIA - OPPORTUNITIES AND CHALLENGES
Author Name:
Vijayalakshmi T T & Ravi B C
Country:
India
DOI:
https://doi.org/10.5281/zenodo.17898462
Page No.:
217-227
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A STUDY ON DIGITAL MARKETING IN INDIA - OPPORTUNITIES AND CHALLENGES
Author: Vijayalakshmi T T & Ravi B C

ABSTRACT
This piece of research work aims at understanding the preferred emerging media options used
for marketing. In the Internet age many new methods used for product promotion and
marketing. This paper mainly studies the development history of digital marketing and
existing significance including the difference and contact between digital marketing and
traditional advertising and also the relationship between digital marketing and the Internet
industry .The purpose of the under taken study is to examine the effectiveness of online
digital media advertising and also about emerging media options used for marketing.
Keywords: Media, Marketing ,Digital, Internet and Advertising

Paper Title:
EMPOWERING RURAL YOUTH FOR INNOVATION AND ENTREPRENEURSHIP IN INDIA
Author Name:
Darshana T N
Country:
India
DOI:
https://doi.org/10.5281/zenodo.18280175
Page No.:
228-234
View PDF Certificate
EMPOWERING RURAL YOUTH FOR INNOVATION AND ENTREPRENEURSHIP IN INDIA
Author: Darshana T N

ABSTRACT
The government has implemented numerous measures to promote entrepreneurship in rural regions. However, for many individuals, having a job is synonymous with employment, and they do not think about entrepreneurship or self-employment. This attitude must shift. In
India, young people are viewed as a vital asset for the country, and all nations should strive to harness their potential for economic progress. The advancement of our economic growth relies on the progress and development of rural regions. Young people represent one of the nation's greatest resources. In today's society, young people must take on a crucial role in leading the future and executing developmental initiatives. This research article primarily centers on the initiatives aimed at encouraging rural youth in India towards innovation and entrepreneurship growth. The aim of the research is to assess the primary difficulties
encountered by rural youth entrepreneurs in India, to determine the necessary actions for the advancement of these entrepreneurs, and to analyze the government initiatives that support and motivate rural youth entrepreneurs in India.

Key Words: Development, Government programme, Entrepreneurship, Rural Youth, Employment

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