21’st Century has been characterised by technological innovations that have shape the way people interact. In India each and every minute one person become internet users. Its convergence with digitally supported platforms and gadgets, safeguarding the parents as well as students from the cybercrimes is becoming a challenging task. Cybercrime grows quickly with developing newer techniques every day. According to survey of 2021, 70% of people, businesses, corporate affect by Cyber Attack. This study examine that various types of cybercrimes worldwide and there is rapid increment in it day by day. IT Act 2000 law established in INDIA to concrete legal framework, establishment of cybercrime Law enforcement organizations. Cyber Crime used different methods in Modern era. This research paper particularly focuses on the Awareness of Cybercrime and Cyber Laws to highlighting their importance towards the people. The paper suggested a conceptual model explaining how to uphold and implement the awareness programmes among internet users regarding cybercrimes. This Study was done in all over the Mumbai Region where data was collected from 162 people who have experienced some cyber-attacks.

Social Entrepreneurship and Social Entrepreneurs has gained attention over the last decade and more. Social entrepreneurship is the act of taking ahead an innovative idea to address the issues present in society. There are many examples which show the visible impact of social entrepreneurship in changing the society. Over the period of time the concept, impact and belief of social entrepreneurship has been changed. Young and successful social entrepreneurs have motivated the youth to take the social cause and address along with economic benefit for the society especially underprivileged section. The research paper collected the data by using primary data analysis of 57 respondents. The questions related to social entrepreneurship has been asked to understand the perception of college youth towards the concept of social entrepreneurship.

India is rapidly growing in the area of information and communication technology. Due to developed technology and digitalization, multiple routine activities of an individual have become more flexible. Technology has played great role in investment and trading sectors as well. In the process of development in technical era, digitalization and advance trading are pre-dominant areas. Multiple techno-Indians in current period are looking forward to grow with advancement in the economy. Cryptocurrency is one of the well-known emerging financial instruments. The present study focuses on future of Cryptocurrency in Indian Economy. As per recent developments in the respective area, Cryptocurrency and Regulation of Official Digital Currency Bill 2021 is to be introduced by government in parliament during winter session. This can be a positive step towards development in the area of Investments and trading.

Sustainable development is very crucial for the survival of the human race. Sustainability means meeting the needs of the present without compromising the ability of future generation to meet their own needs. Due to extreme weather changes, pollution, forest and soil degradation, animal extinction and deterioration in quality of environmental factors. It is high time now to focus and put efforts for sustainable development. To achieve this, one of the important aspect is related to psychology of the people. Their understanding of the issue, accepting their role, in solving the issue and making desirable changes in their own thinking, habits, attitudes and behaviour is very important in achieving the goals of sustainable development. Our attitudes are our evaluation of the outside world, either negative or positive, it is a way how we look at the things, which has serious impact on our behaviour. It is needed to change our attitude in such a way so that we will be able to achieve the goals of sustainable development

The purpose of this paper to highlight the impact of covid-19 on the government finance in East and South Asia. Covid -19 pandemic not only affect socio-economic life of the people but also the government finance on large scale. Number of countries in Asia, are developing and have been struggling hard to have sound fiscal policy. They have been suffering from many socio-economic issues and have less GDP as compared to western and European countries. Covid pandemic affected these nations badly as, almost every country in the year 2020 was in deficit and struggled hard to spend on the health of the people. Covid deaths, covid patient treatment made government spend too much unpredictably and in non-plan expenditure mode. The public finance in Asia was more affected by Covid-19. This all made Asia to suffer. Number of countries even borrowed from ADB, IDA, World bank to meet their health expenditures and had to manage their financial administration with difficulty. In this study, which is based on secondary and official data revealed the endeavour done to highlight the position of Asian countries featuring their public or government finance situation. Economic slowdown, social recovery increased their deficits ranking them low in global financial and HDI ranking.

Sustainable Development Goals (SDGs) are a group of seventeen interlinked global goals which are a blueprint to achieve a better and more sustainable future for everyone. These were set up in 2015 by the United Nations General Assembly (UN-GA) and are projected to be achieved by the year 2030. The SDG Vertical, and the various Ministries are the nodal agency for SDGs in India. This paper tries to look into important aspects of Mulit dimensional Poverty index in India as the NITI Aayog is using a very good methodology to understand the deprivation of people due to poverty. Poverty eradication is very important as it goes hand in hand with upliftment of human society and also impact other SDG goals like health wellbeing, zero hunger, economic growth, sustainable economic progress and Peace

The Coronavirus outbreak, which is officially called as Covid-19 which started in China has affected all over the world. Many countries in the world declared lock down. All the economic activities were greatly affected. It has affected economic, social life and also emotional wellbeing of a person. Women from all walks of life were also greatly affected. Some women were more stressed than men during the lock down (https://times of India .Indian times .com 17 April 2020). According to a recent poll conducted on the E Times lifestyle twitter account, 61% of the respondents voted that women were more stressed than men during lockdown. The working women also suffered a lot balancing work from home and domestic responsibilities added to more stressful situation. In India gender discrimination is clearly visible in the responsibility sharing. Since long it was believed that domestic work and taking care of children is the sole responsibility of women hence she remains more burdened with work. In a new normal situation, it’s time to think for the ways and different mechanism for easing the problems of women. This paper mainly deals with the problems of working women and attempts to find out the different practices of women empowerment

“Social Progress can be measured by the social position of the female Sex” – Karl Marx. As we move towards the next 21st Century and post-covid era in this globalised world, things are changing. Today the feminine- aspects are making sacrifices for the sake of their careers. They are confident and are full of ethical values. They are economically viable and independent. The feminine aspect has had an impact on everything and in all the fields. They are fighting against all the odds and are coming up the hard- way. Their lives are full of struggles and strife, but they are the ones who are taking the risks and are surging ahead in all the potential talents. Women today are an empowered lot and are facing all barriers and are coming up with the flying colours. They have left their footprints everywhere.

The objective behind this research is to study the effect of lockdown due to COVID-19 pandemic on small scale businesses operated by women and to suggest required changes to improve business environment for women entrepreneurs to managing their business in such an unexpected crisis. Another objective of study is to find out a contemporary issues faced by small scale businesses operated by women during the period of lockdown due to COVID-19 pandemic. The study focused on change in Sale Revenue of business, overall household income, lifestyle and very importantly mental health. Qualitative research design is used to study impact of COVID-19 on activities of the micro scale business operated by women’s entrepreneurs. Structured questionnaire, Semi-structured interview and discussions used to collect primary data from the women selected for the study. The study revealed that it is necessary that business should be use more technology particularly digitalization is an important thing. The results also revealed that the conditions like lockdown due to COVID- 19 pandemic affect the women physical and mental health. Consideration of gender gap also one of the issue in affected efficiency of women lockdown due to COVID-19 pandemic in developing countries like India. One More important issue highlighted through this study is that skill development for women entrepreneurs is necessary to make them competitive and enhance their capacity to deal with different issues

Business, banks and financial institutions have expanded their reach as a result of technological advancements. Governments have taken the necessary steps toward digital transformation and the promotion of FinTech initiatives, realising the potential of FinTech to contribute to financial inclusion and stability. It is vital to investigate the awareness and perceived utility of various technologies involved in providing fintech services in order to increase the adoption of fintech services. The purpose of this essay is to look into the relationship between various demographic characteristics, FinTech acceptance, consumer perception, user pattern, and limits when using FinTech services. The findings, based on a survey of 120 people, show a strong link between the use of FinTech services and various demographic features

Green Bonds has arisen out of the concept of “green finance” to channelise savings towards green initiatives to make more sustainable, rewarding and positive impact on the environment. Green Finance is defined as financing investments that deliver environmental benefits in the broader context of environmentally sustainable development. It is expected that green bond investment in a single year could reach $1 trillion milestone for the first time by Q4 2022. Environmental issues are becoming a serious cause of worry for the world and its people. Investments in Green Bonds could relate to environmental benefits which include, reductions in air, water and land pollution, reductions in greenhouse gas emissions and improved energy efficiency. Threat relating to climate change is one of the biggest threats being faced by the humanity. The root cause of green finance is to mitigate the impact of climate change, pollution and depletion of natural capital that threatens a country’s ability to be competitive and productive. This new emerging financial instrument for green economy is not technically different but sets new conditions for making responsible investment. Green bonds are the bonds issued by the enterprise for investments in the field of alternative energy, environmentally friendly modes of transport, and effectively projects, which meet the criteria of sustainable development. Globally, the first green bond was issued in 2007 by the European Investment Bank, lending arm of EU. India entered the green bond market for the first time in 2015 with the bond issue by YES Bank for investment in renewable and clean energy projects. This study focuses on a comparative study of green bonds issued by various countries including India and analyses the investments made in this sector

It is crucial to retain employees which are selected through rigorous selection procedure by HR. Employees are given training to achieve vision, mission and goals of the organization. Employee should be given responsibility with authority to work on the task independently. There are various types of crisis which are natural, man-made, created, political, social, economic and business related aspects. Crisis should be handled carefully and professionally as per the crisis management policy. Employee Engagement gives sense of belongingness to employee so that the employee will feel happy, satisfied, committed, healthy, responsible, safe, caring etc. This is to understand whether Employee Engagement will have same or different impact on the employees during crisis situation because employer limits their expenditure on certain types of expenses and employee welfare is one of them, hence the employees are given intangible rewards in form of appreciation and job enrichment.

Advancement in technology gives us a new challenge for traditional education .online teaching leaning now accepted in many environments like covid pandemic, government and academic. This study represents explanatory information design to attained advantages and disadvantages of online learning. Result shows that the best advantage of online learning was flexibility from students perspective, now we have create new and more infrastructure to the development of online teaching for the purpose.

Real Estate Sector is booming industry in India. This sector generates second highest employment after Agriculture. Beginning of the 21st Century Indian Economy take off with thriving tertiary sector Industry. BPOs, KPOs process work and retail industry are fasted growing and that will lead the demand of Commercial spaces in Tire-I and Tire-II cities. Due to highest demand in Residential as well as Commercial Spaces in Urban and Semi-urban areas. The Prices of real estate touched to the sky. Therefore, the affordability of investment to common man is not possible due to a short pocket. Lower income group of peoples are not enjoying the benefit of Investment in Real Estate Sector due to short savings in Hands. Therefore, Capital to the real estate sector and channelize funds of retail investors into the formal system by way of implementing SEBI (REITs) Regulations, 2014. With the help of that Government initiates the process of REITs in India which operate in a fashion similar to mutual funds. In 2016 budget, they passed the Real Estate Regulators Bill. SEBI will take care of the protecting of all real estate investors. Still this investment avenue is most neglected due to the structural complexity and lack of awareness in common people.

A currency that has no physical form but exist digitally, creating headlines all over the world by its volatile nature. Some designate it as new medium of exchange while other question its potential inflationary nature. Crypto currency is not a form of exchange that is initiated recently. It is rooted back in 1983 with names such as e-cash and digi-cash which were the early form of cryptographic electronic money. In current times crypto currency is mostly represented or misinterpreted with Bitcoin. Many are aware of crypto currencies, as terminologies and not as concept. As it is a new form of exchange and operated digitally, hence younger generation have more attraction towards it. This research is to find whether current student generation is aware of this form of exchange and also its role in molding the economy either way. In India Government has already started working on regulatory policies on crypto, therefore research will also include the awareness of students relating to Central or regulatory Bodies’ approach towards crypto currenci

Financial instruments are assets that can be traded, or they can also be seen as packages of capital that may be traded. Most types of financial instruments provide efficient flow and transfer of capital all throughout the world's investors. These assets can be cash, a contractual right to deliver or receive cash or another type of financial instrument, or evidence of one's ownership of an entity. A financial instrument is a real or virtual document representing a legal agreement involving any kind of monetary value. Financial instruments may be divided into two types: cash instruments and derivative instruments. Financial instruments may also be divided according to an asset class, which depends on whether they are debt-based or equity-based. Foreign exchange instruments comprise a third, unique type of financial instrument.

The present research paper attempts to define the Corporate Social Responsibility in Maharashtra state during the pandemic times of Covid-19 in the state. Corporate social responsibility is now accepted as a means to achieve sustainable development of an organization. The World Health Organization has considered Covid-19 as a global pandemic in the academic year 2020. The contagious disease enormously disrupted socio-economic conditions of the planet. The Government of India and state governments announced lockdowns throughout the country in March 2020 in order to promote social distancing and stop the spread of virus. The comprehensive lockdowns worsened economic quandary of the Maharashtra state. Heavy population and a lack of educational awareness added so many socio-economic and health related problems in the life of people. The corporate sector of Maharashtra government stood shoulder to shoulder with public and state government to help the needy in the difficult times.

The spread of covid 19 across the globe has led to an unprecedented experiment in virtual learning education. “Virtual learning” typically refers to a course that is completely virtual. Learners receive instructional content, submit assignments, take tests, and interact entirely online, or virtual. This can happen “synchronously” (e.g., all learners joining a live session at the same time) or “asynchronously” (e.g., Learners logging in to do homework whenever they want). “Blended learning” refers to a course that mixes online learning and face-to-face learning together. Internet is now playing a bigger role in our lives and dictating how we live, socialize, teach, and learn. As the Internet is developing into a main educational tool, online education offers the educator and the learner access to numerous resources The number of online courses raise and change the way people learn. People used to study in a classroom with a tutor in front of them, but now people only need to sit in front of a screen to learn new things. Virtual learning is designed to reach and engaged the modern learner on one to one basis anywhere, anytime. However, the acceptance of virtual learning by youth is still questioned. This research paper consists of primary as well as secondary data. It studies the perception, impact of virtual learning and most importantly its acceptance by youth residing in Thane district. Keywords: Virtual Learning,

In this paper, I review the role of cognitive psychology in Artificial Intelligence. This paper examines the current thinking, state-of-the-art applications and predictions surrounding AI to Bring to light many examples of how it will transform the way we work and how we can perform it to improve the quality of the built environment. Artificial intelligence may greatly increase the efficiency of the existing economy. But it may have an even larger impact by serving as a new general-purpose “method of invention” that can reshape the nature of the innovation process and the organization of Research & Development. We suggest that policies which encourage transparency and sharing of core datasets across both public and private actors may be critical tools for stimulating research productivity and innovation-oriented competition going forward. Domains could be anything like Medical, engineering…etc. the participants are perfectly rational, that attempt to directly model each participant's cognitive processor. Nowadays whatever we have an understanding of any problem the Agent needs. It is reflected in the Agent or what he has taken to solve problems. If an Agent is capable of predicting the next action, it could determine whether she/he might fall and take action to attempt to prevent it. A natural stating any problem we need to point in applying deep networks to prior knowledge a new domain for testing the performance of a regular feed-forward neural network.

In India, there are around 4.5 Crore cases pending before the judiciary. A Legal System is largely depending upon litigation and non-litigation work. Non-Litigation work involves continuous and monotonous tasks that can be effectively resolved using technology. Global Legal market witnessed Legal Tech revolution in 2013 when the concept of ‘Smart Contract’ stepped in. Now, global legal industry is rapidly changing and getting ready to adopt new changes happened due to technology. In India, AI revolution is not so far. Around 4% lawyers in India make a successful use of AI technology to carry day to day legal tasks. NITI Aayog is also looking positively towards implementation of AI in legal industry that will offer safety and security. India is yet to take resourceful measures on it. After observing the relevant reports and data available in the market, there are several questions that needs to be focused such as legal personality of AI, its liability and responsibilities, regularization of proposal by NITI Aayog and Data Protection Policy in case of AI implementation.

The United Nations has taken an important decision to go forward with pursuing sustainable development by introducing the 2030 Global Agenda in 2015. The Sustainable Development Goals (SDGs) are universal policy agenda to envisage a world free of poverty, hunger, disease and violence, where all forms of life can thrive and promises to build a safe, resilient and sustainable world. To assess the performance of India in achieving sustainability by 2030, the study aims to understand how far India is from achieving SDGs at both the national and subnational level. In this study, the present status of India’s primary targets of SDGs is analyzed with the help of a composite index. A cluster analysis was also performed to examine the region-specific and issue-specific problems of sustainable development in India. At the sub- national level, 14 out of 29 states have performed well in the composite index. This study has identified the arenas India needs to focus on to achieve sustainability by 2030.

The break-down of the Covid-19 pandemic has changed the situation of the educational sector from traditional i.e.; face-to-face learning to online learning. The present study aims to know the behaviour of students towards online learning and the problem faced by them. The research is descriptive. The data is been collected through an online survey method from 76 undergraduate students. A convenient sampling is been used to collect the data. The data is been collected with the help of a questionnaire and interview. The data is been analysed using MS-Excel. It was revealed that 77.6% of students consider online learning an effective and better choice of learning. Moreover, students feel that online learning is better than going to college. This study has also given insight into the problems or barriers faced by students during online learning. The major problem faced by students while online learning is internet connectivity is poorly followed by eye strain, increase stress, and homework. A suggestive measure was recommended for the improvement of the problem faced by the student. The laziness of students is more in online learning. Hopefully, the results of this study will help in improving students' behaviour towards online learning during the Covid-19 pandemic. Furthermore, dimensions can be studied on this topic.

Education is an important area for the development of Social Innovations. It affects the raising of the quality of life indirectly but it gives new perspectives, a better start and widens the possibilities of various social groups. Technological Innovation is having a significant impact on educational system at all levels. Online courses, teaching aids, educational software, social networking tools and other emerging technologies are disrupting the traditional classroom environment. Innovation in education encourages students and teachers to research, explore and use all the tools to uncover something new. It also improves education because it Compete students to use a higher level of thinking to solve complex problems. Digital Technology in education is a social innovation but it has its own pros and cons. This research paper will throw light on Pros and Cons of digital technology in education on both teachers and students.

Social media can encourage casual conversations between colleagues and help build healthy workplace relationships. It is the easiest and quickest way to encourage employees to interact with their co-workers even after work. A growing hot topic, and cause for concern is the increasing use of social media in the workplace. The landscape for communication has changed, and the line between personal and professional communications has been blurred. How will your employer manage the risks associated with the use of social media and at the same time, gain the benefits that this media form provides? While many employers were initially concerned that employees would use company time and equipment for socializing with friends, they are quickly learning that many social networks can also be used directly for work purposes. When that technology is used to view, collect or disseminate inappropriate content, again employers have cause for concern. Use of workplace computers with social media has become an offence many corporate doesn’t allow people to use social media in their entity or zone and few give them a different zone altogether to use social media on timely breaks frequently results in discipline and workplace harassment complaints. In some cases it can even result in serious criminal investigations. There are pros and Cons of my study which gives us an idea in today’s world we are alone but with electrical gadgets we are socially not alone.

The big crisis we have faced in 2020 was Corona. Due to this the people bound to work from home (i.e. online work). The situation created by CORONA diseases that no one is allowed to touch or meet a person nearby. Henceforth, people are helpless to work from home. Due to this there are many good points where people have accepted the online work at the same time it is worthwhile enough to work from home as it is convenient to work, save time, no travelling expenses, etc. Because of this benefit people are used to work from home and seems there is a sustainable development of Commerce, Management & also IT sector. It is beneficial from both the point of view – The company as well as the employee. In education field also it is convenient to connect with the students from far away. With the help of Information Technology, Commerce it is very useful to complete the work through online mode and people have also got knowledge to do online work ( i.e work from home)

The entire world was affected because of corona virus which is popularly known as COVID- 19. The entire world was shut down and many organisations found it difficult for survival. But knowing the patience and innovation of mankind, soon methods and measures were found out for overcoming this global crisis. Efforts from various quarters were undertaken to tackle the crisis from testing and producing vaccines to make people work from home. Work from home became a new normal and companies all around the world started their operations by making their employees stay glued to work but from home. Incentives are now being given to employees who are working from home and companies are now ready to carry on this trend in coming years. This paper attempts to study the pros and limitations of work from home and how this trend is here to stay and how companies are giving encouragement to the same.

Naxalism is the biggest challenge for the internal security of the country. This has not only affected tribal areas but also has its impacts of urban society and administration. Naxalism has created many challenges in front of system, administration and society. In the democratic country like India, there are many serious issues, but the Naxal problem has put question mark on the security of entire country. Entire administration is put on toes to tackle the Naxalism issue. In addition to this, Indian society which by and large believe in peace of co-existence is also facing serious heat of the issue. Naxalism on one hand has created negative impact on administration and society, while on the other hand there are some positive impacts too. When we see at administration in Naxal affected areas, we can easily sense that the issue has made difference in the working style of administration in these areas. This positive impact can be attributed to Naxal issue in the region.

India is a developing country and it’s economy is growing. In all sector use of Information Communication Technology is increased. So why should not it is used for day to day transaction. So any time the different transactions can be done easily and without paperwork, time involved in this transaction can be saved and effectively the work will be completed. Hence Government of India started the Digital India Campaign. Through this campaign the Indian citizens are equipped with different government services. As per Wikipedia.org (2017) this campaign was launched on 1stjuly 2015 by Prime Minister Narendra Modi, for connecting rural areas with high speed internet network. Along with-it different apps are introduced by the government for the extending it’s services to Indian citizen.