Electronic governance or e-governance is adopted by countries across the world. In a fast growing and demanding economy like India, e-governance has become essential.The objectives of e-governance is to make government administration more transparent and accountable, while addressing the society’s needs and expectations through efficient public services and effective interaction between the people, business and government. In a country like India e governance is a playing an important role in implementing the government policies and facilities up to grass route level. India. Many state governments have initiated e governance programmes for the rural population. While the 73rd and 74th Amendment to the Constitution has politically empowered the masses at rural level, the e governance has benefited them in getting easy access to all administrative work. E governance has helped in making the administration transparent, accountable and accessible to the people.Implementation of various tools or techniques of e-governance in rural India will promote rapid, transparent, accountable, efficient and effective communication among rural citizens, not only fostering development in rural areas but also saving time and transaction costs of the government.

The growth of cultural and heritage tourism is traced in this review study. The study is based on a variety of viewpoints voiced by contemporary historians. Monuments or groups of buildings and sites of universal aesthetic, archaeological, scientific, ethological, or anthropological value are referred to as cultural heritage. Cultural heritage refers to the features that cover people's way of life, such as customs, traditions, attire, eating habits, music, and dancing. The preservation and protection of these treasures is a vital function and responsibility of every government and citizen in the country. For the conservation and protection of these heritages, public education and awareness about the significant characteristics of these places is critical. Heritage tourism has grown in importance as a source of revenue and a vital source of historical information. It has the potential to boost the local economy, safeguard natural resources, enhance visitor spending, create jobs, and retain the community's unique character. It can help cultural heritage resources produce sufficient cash to preserve, protect, and promote other cultural treasures. It has the potential to increase regional and communal recognition. Historic landmarks, museums, and art galleries are all included in this category or market area. Heritage is difficult to define precisely because it encompasses a wide range of activities.

This paper discusses about the chatbot artificial intelligence interaction that has been adopted by most of the service sector in India. Initially Chatbot was considered as niche technology, but today chatbot has been increasingly used in the main stream business. The retail sector also is using this technology to actively engage consumer 24/7. Chat bot enable retail business to provide superior customer service by driving customer engagement without human intervention. The objectives of the study was to understand the concept of chatbot technology and its application in Indian retail companies. In order to understand the awareness and satisfaction level of customers using chatbot for their retail queries the study has also focussed on primary data of 81 respondents who are using chatbot to raise their queries and it was found that many of the respondents were aware of chatbot technology and were satisfied with its usage. Therefore this research study is an attempt to understand the growing importance and adoption of chatbot technology in India as a better customer interface.

The worldwide pandemic of Covid-19 is having its influence on various sectors and had adequate impact of digital media marketing on consumer behavior at global, regional and local level. Most of the sectors were largely affected by the pandemic and created a lot of problems alike, with respect to employment, financial stability, health, social life etc. this lead to behavioral shifts such as working from home, spending more and more time at home, adopting to home schooling, started learning new recipes from internet, paying more attention to health and hygiene, started avoiding crowded areas, spending time of social media engagement and shift toward online content. After months of lockdown and social distancing because of covid-19, consumers have been compelled to shop differently. All this shows how much digital marketing has its impact on consumer behavior during Covid-19 pandemic.

Today, the world and India need a skilled workforce. If we have to promote the development of our country then our mission has to be `skill development’ and `Skilled India’. Millions and millions of Indian youth should acquire the skills which could contribute towards making India a modern country. The country presently faces a dual challenge of severe paucity of highly-trained, quality labour, as well as non-employability of large sections of the educated workforce that possess little or no job skills. The skill development issue in India is thus pertinent both at the demand and supply level. To meet the demand side challenge, consistent efforts are being made towards expansion of economic activities and creation of large employment opportunities. On the supply side, a simple look at the projected youth population provides a fair reason to believe that India has the strength to cater to this demand. However, the employability quotient is questionable and remains a major area of concern. Already huge gaps exist between the industry requirements and the level of skills of workers due to varied reasons including inadequate training infrastructures, inappropriate mix of skills and education, outdated curricula, limited industry interfaces, limited standards, etc.

The journey of the microfinance industry took a great leap after the launching of the Pradhan Mantri Jan-Dhan Yojana (PMJDY) program in 2014. Bank accounts under Pradhan Mantri Jan Dhan Yojna (PMJDY) have increased to 430 million, as of August 2021.The aim towards reaching digital economy was boosted by the country's Digital India program. Digital technology enhances the accessibility and affordability of financial services for the previously unbanked or underbanked individuals. The shift from the conventional banking framework to a digital model was supported by Aadhaar, which gave a supporting ecosystem system to enable technology players to launch electronic 'know your customer' (eKYC) and authentication services. This paper covers the Integration of financial technology in Indian Microfinance sector and discuss the issues faced by fintech companies.

Small local retailers have a big contribution to the surrounding citizens as well as Indian economy. These retailers include tiny shops, small grocery stores, medical stores, hardware shops, mobile shops, mobile recharge stores, local vegetable and fruit sellers, etc. These small shops are spread all over, who makes groceries and consumables available for the customers easily.