Digital India is an initiative of the Government of India to connect the people of the country with the government departments. Its objective is to ensure that government services are accessible to the public electronically without any paper support. This scheme also aims to provide high speed broadband internet service to rural areas. It is one of the priority schemes of the government. Digitization of all work under this scheme will save time as well as bring transparency in works and curb corruption by middlemen. The scheme is targeted for implementation by 2019. A two-way platform will be created where both the service provider and the consumer will benefit. It will be an interministerial initiative under which all ministries will deliver their services to the public.

In the past, a rural consumer had to go to a nearby town or city to buy a branded product since branded firms gave priority to urban markets. Large firms are now, however, finally acknowledging the relevance of rural markets due to the growing clout of rural consumers. India's rural market is currently seeing great growth as a result of the vastly increased purchasing power, expanding brand awareness, efficient media communication network, and changing customer demographics in rural areas. Numerous studies have demonstrated that the rural middle class is not only wealthier than the urban middle class, but it is also growing more swiftly. Another aspect speeding up this occurrence is the infrastructure connecting all four big urban regions via hundreds of municipalities. This helps companies reach the biggest distribution network feasible, reach regional markets, and challenge the ubiquitous attitudes and practises of rural consumers. This essay seeks to ascertain the level of brand awareness among those who live in rural areas.

Human life has become much simpler, quicker, and more productive thanks to digitization. One of the biggest and most significant revolutions in human history. Digitization has had an impact on practically all industries, not only the IT sector, as a means of completing tasks swiftly and effectively with the least amount of human interaction. The transportation infrastructure in metropolitan areas has changed significantly over the last ten years. In India's metropolitan and urban cities, taxis have emerged as a key means of transportation among the many others. Taxi services are a private, typically door-to-door service that is mostly provided to the general public at the local level. Horse wagons were the predominant means of transportation in the first decade of the 20th century, but in 1911 Taxi Cabs (conventionally known as Taxis) took their place due to their inefficiency. The study is aimed at identifying customer satisfaction towards Traditional taxis. The study investigated the variables that influenced customer satisfaction based on different parameters. Independent Sample t-test and One-way Anova has been applied for the purpose of statistical analysis of the findings of the research.

Social media is now pervasive and critical for web accession, content sharing, and social networking in recent years. Social media creates a sizeable market for firms like online marketing because of its reliability, coherence, and immediate advantages. Social media marketing refers to marketing done through social media. Companies may now speedily, evidently and with success stretch out to their target customers all thanks to social media marketing. In addition, social media marketing comes across a number of travail in the industry. This article discusses the gains and drawbacks & difficulties of social media marketing in the recent times & the strategies to overcome them. This study will accumulate the available research on social media marketing & bring to light and potential research directions. Social media marketing is a type of digital advertising that makes use of the capability of well-known social media horizontal surface to further market and achieve branding objectives. In order to understand the overall impact of media on marketing, this article seeks to examine the effects, advantages & pitfalls of using social media as a tools for marketing

This study is carried out to know the awareness about retirement planning among the individuals of Mumbai suburban city. A total of 78 individuals participated in this study. The objective of this paper is to analyze the literacy level and the factors affecting retirement planning of individuals. The paper also highlights the retirement plan preference of different individuals and impact of digitalization on creating awareness about retirement planning. The results show that there is a difference in the level of awareness according to different age groups. Using survey methodology, we analyzed various factors and pension scheme awareness among individuals.

It is the responsibility of each of us to reduce and reduce the negative effects of technology and ensure that it is an engine of sustainable development. The United Nations' 2030 Agenda for Sustainable Development sets out the Sustainable Development Goals and pledges to "leave no one behind". This research will help to learn what is the close postive and relationship of United Nations goals towards sustainability and digitalization.

GST-Goods and services tax, the name itself is saying that it is a tax levied on goods and services. It is a value added tax levied by the government on goods and services which are consumed by the consumers and are sold by the sellers. Goods and services tax is paid by the consumers in addition to the price of the product. Sellers will collect the amount after selling the goods and services i.e. the amount includes price of the product and GST. So GST is collected by the business and thereafter it is remitted to the government. Levying of tax on goods and services will generate revenue to the government in effect. Goods and services tax is the tax levied at the state level and national level i.e. GST is the tax levied by the state government and Integrated GST is the tax levied by the central government. The main objective of the levying GST is to reduce tax on tax i.e. double taxation. GST is consumer based tax as GST is paid ultimately by the consumer i.e. end user of the product. The main agenda of implementing GST is to have single tax structure right from manufacturing stage to the stage of delivering to the final consumer of the product. Implementation of GST has reduced the cascading effect of the previous structure. GST has replaced the many indirect taxes in India. The Goods and services Tax Act was passed in the parliament on 29th march 2017 and it came into effect on 1st July 2017. Digitising GST Compliances has certainly made it easier for many businesses to operate and it provides required data to GST Authorities to make reconciliation and documentation process easy and transparent. After the implementation of GST there are many issues have been taken place. Even though there are many issues with the implementation of GST, there are benefits of GST. This Study aims to see both the sides of a coin i.e. issues and implications of the GST.

This study aims to examine the role of fintech in financial inclusion and its implications for individuals, businesses, and society. The research uses a combination of quantitative and qualitative methods, including a survey of 98 respondents in the Mumbai Metropolitan Region and in-depth interviews with experts in the field. The results show that fintech has the potential to greatly increase financial inclusion by providing new and more accessible ways for individuals and businesses to access financial services. The most significant drivers for the adoption of fintech in promoting financial inclusion include technology, financial literacy, and innovation, while the most significant barriers include digital literacy, financial literacy, and data security. The study highlights the importance of addressing ethical and social issues, such as data privacy and consumer protection, to ensure that the benefits of fintech reach all members of society. The results provide insights into the current state of financial inclusion and the role of fintech in promoting it, as well as the challenges and opportunities for further development in this area.

The Word ‘Digital’ has changed the course of mankind either in the positive ways or in the negative ways. Digitalization has helped during the difficult times, for example, digital payments have transformed from cash to cashless payments, has changed the banking sector by automating the transaction directly from one end to another within seconds, etc. Digitalization has not just helped the organised sector but also helped the unorganised sector too. In this paper, there is an attempt by me to study about various portals used by the government as a remedy during Covid-19.

We all know about banking, insurance and finance to some extent i.e. banking is an activity where it accepts deposits and grants loans. In other words, banks provide financial services. Insurance is an activity where insurance company accepts premiums from the policy holders and discharges maturity amount during the time of maturity and about finance, finance plays vital role in the activities of banking and insurance. It also has a significant role individually. As we all know that finance is the life blood of business, without finance banking, insurance and other activities are not going to carry on their business. Banks involves the activities of accepting deposits and granting loans in the form of money. Insurance is also the activity which deals with money. From this we are clear that banking and insurance are the activities which deal with money i.e. financial activities. So here it is clear that banking and insurance are dependent on finance. We can invest in these activities and we can gain return on investment. We can create wealth with the help of banking and insurance activities.

This article present a glimpse of India’s National Education Policy 2020 for Higher Education. After more than three decades India formulated and adopted a new education policy for education in 2020. A policy is a plan of action chosen by government for solving various issues present in any field. The term higher education means any kind of education which a student get after twelve years of learning by getting admission into various degree and diploma courses. Higher education is a tertiary level of education which generally includes UG, PG and research course like M.phil, Ph.D etc. It is the most advance level of education. Education is one of the most important sector because the future of any country will be determined by its education system. Education system is very important for the overall development of an individual, society and nation. The condition of a country will be influenced by the quality, equity and accessibility of HEIs . The purpose of education system is to make rational and emotionally sound citizens. The vision of this policy is to make India a global knowledge superpower. This present research work also focus on causes of deteriorating condition of higher education system in India and strategies to tackle them. Solutions of all problems that arise in modern society lies in right type of education

A smart and sustainable city is any urban area which uses technology to enrich the quality of life for residents while also reducing environmental impact and promoting economic development. These cities are designed to be resilient and adaptable to the challenges of the 21st century, such as rapid urbanization, population growth, and climate change. In India, the government has introduced a Smart Cities Mission which encompasses developing of 100 smart cities across the country. Implementing smart city initiatives can help improve the survival, resurgence and sustainability of Indian cities in the digital age. Moreover, this paper presents a comprehensive analysis on the need, importance, challenges and opportunities of sustainable smart city concept with a view focusing on the future of India.

The Indian banking sector has arisen together as the strongest drivers of India’s economic growth. The Indian banking system has made outstanding advancement in the foregoing couple of periods, even during the days when the rest of the world was floundering with financial meltdown. Moment, all the banks face the matter of non-performing assets whether it's public sector bank or private sector bank. Unfortunately, the Covid-19 has stopped economic activity across multifold sectors and hypercritically affected the banking sector. This paper is aimed towards the review of on non-performing assets in Indian banking sector. According to RBI (Reserve Bank of India), for any asset on which the interest remains un-payable for a period of 90days,the asset becomes non-performing. Fast forward to 2021 digital lending has become a reality and preferred route for the vast majority of Indian for its speed and convenience, many player are available for providing MSME financing such as Lending kart, Aye Finance, Kreditbee,

The New Education Policy (NEP) 2020 is a comprehensive document that emphasises the need for restructuring and revitalization of the Indian education system. The policy has advocated a big structural change in the design of curricular and pedagogy of school education system, i.e., 5+3+3+4. It has also suggested structural change in the teacher education programme, i.e., 4 years of integrated B.Ed. programmes like B.A. B.Ed., B.Sc. B.Ed., and B.Com. B.Ed., etc. However, is the structural change in the teacher education programme in line with the change in the school education system? Will the proposed 4- year integrated programme be compatible with the school education system? NEP-2020 also states that teacher education institutions will be move by 2030 as multi-disciplinary colleges and universities with multiple entry and exit point systems; this is an additional challenge for institutions that have offered only one teacher training programme or a so-called “stand-alone” institution. How would the idea of integration and a multidisciplinary approach be made possible in such an institution? To address some of the questions raised above, the researchers conducted survey research on teacher education institutions. Initially, the NEP-2020 document was analyzed with respect to the guidelines and provisions of teacher education programmes. The researchers sampled 30 teacher educators has been taken from different teacher training institution of the country. It has been found that infrastructure, funding, clear guidelines etc., were major challenges for educational institutions. In addition, suggestions were solicited from them on how to smoothly facilitate the implementation of the policy. The findings are significant for academia and other stakeholders

In today’s developing countries, globalization and technological changes has given a different phase to the economy, whereby the society are collectively facing the concern of the competition in various sectors, which also includes the education system . In the global economy, technologies play a vital role due to which the importance of digitalization has a continual growth universally. Although it existed largely from last few decades, digital education is essentially a modern invention. The considerable changes brought on by the digitalization of various aspects of the educational system are soon predicted as a mitigation to unexpected natural and man-made pandemics. This research paper seeks to offer insightful insights on digital education's potential advantages, hazards, and difficulties associated with adopting cutting-edge tools in the age of the internet and extensive online open courses. With the development of internet technology, we have observed a significant shift in how we communicate and collaborate among academics. The digital revolution encouraged open access globally.The evolution or the appearance of ICT has several implications for the educational institutions, where it has fueled up heavy information and knowledge. As various challenges are arising in education system, ICT can empower teachers and learners making it compelling for their literature, researchers, schoolings, trainings and achievements.. Traditional methods of using technology in education and modern approaches, which encompass a variety of methods and techniques like audios, visuals, e-learning, e-books, multimedia, etc., differ significantly. The researcher has used qualitative method of research through secondary data available from various sources

In an effort to find a solution to the complex problem of running operations cost-effectively while keeping tariff rates as low as possible, this study proposes mutual dependency between mobile carriers and overthe- top (OTT) companies. Because OTT services are becoming more popular and OTT players need to monetize their services. In the article, this opportunity is quantified, and triangle of interdependence model is mentioned. These models explain the interconnectedness of customer acquisition, service delivery, and revenue sharing through bundled pricing. Triangle of interdependence model is based on the inferences of 126 respondents in th6e age group of 15-35 in the city of Mumbai. In the paper, it is clearly discussed why OTT players should collaborate and how doing so will increase revenue potential for both telecom and OTT providers.

The internet is one of the most influential inventions when we talk about digitization. At the ad mist of this fast development of knowledge, Innovations and communication technologies, several activities in everyone’s life are unified on-line and that they become more fascinated and practical towards it. An enormous and huge growth in variety of on-line users has activated day by day where by it created a replacement of business development and from investments to cash transfer, everything goes paperless in our economy to facilitate these monetary activities like shopping, mercantilism and many more virtual activities. The latest and most promising addition to the digital payment sector is crypto currency Money started being ‘digitalized’. Crypto currency is a digitized or online rather an internet currency that uses cryptography for security purposes. Likewise on the other hand, Non-fungible tokens (NFTs) are gaining in popularity and are already extensively implemented but many of us aren’t aware about the same and its implications or comparisons with respect to digital payments. It’s leading to a constant trend update in the field of NFTs. For the usage or practical implementation of NFTs to progress or develop in an institutional environment, the capacity or adaptability for using NFTs must be scrutinized in detail. Such a discovery has surely added into or prompted a comprehensive examination of NFTs. The scope of this paper is confined to the journal and the keywords “Block chain”, “Block-chain”, “Non-fungible Token”, and “NFT” are used. This research examines the current state and development trends of NFT. In this paper researchers tries to make out the user’s expectations of the future crypto currency leaning to the awareness and perception towards the virtual cash implications, however technological innovations make jobs easier and more beneficial. Besides this the paper aimed on its impact in India in terms of law and legislations towards crypto currencies and its usage of this paperless cash in this current scenario.

The purpose of this research paper is to examine student’s opinion on digital education, The digital methods that are used in an institution they are studying and how it is impacting their learning. The paper focuses on overall digitalization of teaching i.e., not just after COVID-19 but also before that. This research is based on primary data which contains both Quantitative and Qualitative questions. Precisely they are comparative survey questions between digital and traditional education, and student’s opinion on blended teaching-learning methods. Also, what online platforms students are using for the syllabus related notes and videos and their opinion on the preferable teaching methods has been taken.

Understanding Bisleri's corporate social responsibility is the goal of this research work. The steps they have taken to promote social welfare. The impact that Bisleri has had in India is examined in this essay. This study is based on secondary and qualitative data that was used to analyze the effects of Bisleri's CSR activities. The research's overall conclusions are that different appreciating motivations have been started by bisleri has significantly improved the lives of the society's rag pickers in the study region. The study has looked at the considerable influence and major factor. Due to this CSR, plastic pollution is being reduced to a certain extent which will benefit us as in individual

In current scenario of software industry culture, an important and crucial task under project management is accurate estimation of practical measures like cost and effort which subsequently results in successful project completion. Many researchers have analysed and proposed various techniques in the estimation for software projects using conventional frameworks like waterfall, incremental etc. In recent years as there are technological advancements and there is a requirement of adaptation to technological changes, hence agile development methodology has attracted the interest of many researchers and software developers in software companies. Various researchers have proposed several techniques including opinion based, algorithm based and machine learning based techniques for effort and cost estimation of software projects. The proposed work in this paper deals with the study and analysis of the most popular techniques used in every category of estimation practices. In current scenario of software industry culture, an important and crucial task under project management is accurate estimation of practical measures like cost and effort which subsequently results in successful project completion. Many researchers have analysed and proposed various techniques in the estimation for software projects using conventional frameworks like waterfall, incremental etc. In recent years as there are technological advancements and there is a requirement of adaptation to technological changes, hence agile development methodology has attracted the interest of many researchers and software developers in software companies. Various researchers have proposed several techniques including opinion based, algorithm based and machine learning based techniques for effort and cost estimation of software projects. The proposed work in this study deals with the study and analysis of the most popular techniques used in every category of estimation practices used in agile development. This paper describes a review of the research work conducted in the effort estimation of non-agile and agile projects in the previous years, which consists of different techniques and approaches. The first section describes an introduction of the relevance of estimation in project management, the second section covers a study of all those researches which have analysed the use of various machine learning based techniques for estimation of software projects and in the third section a comparative analysis is done based on the studied literature in terms of ROLE OF MACHINE LEARNING TECHNIQUES IN COST PREDICTION OF AGILE PROJECTS Dr. Manju Vyas Associate Professor, Jaipur Engineering College & Research Centre, Jaipur ( Raj.) ISSN–2277- 8721 EIIRJ Volume–XII, Issue– I (a) Jan – Feb 2023 129 | P a g e Electronic International Interdisciplinary Research Journal Original Research Article SJIF Impact Factor: 8.095 Peer Reviewed Refereed Journal various factors like techniques used, estimation accuracy, and their applicability in various scenarios as part of summary of the chapter.

The difference between brand perception and brand awareness needs to be more clear in the minds of the consumers. The broad objective of this research is to investigate the impact of brand perception and brand awareness on consumer buying behavior from the perspective of cosmetic companies, focusing especially on the consumer purchasing decision aspect. The paper will help to understand how marketing strategies can uplift the brand perception in the minds of consumers. The study aims to find out that the major decision taken by the consumer while purchasing the product is based on Brand perception or on Brand awareness. It even helps to understand that the purchasing decision taken by the consumer on the bases of Brand perception related to the product might change once the consumer is aware about the brand. As it is not necessary that the perception of the brand may be the reality of the brand, which might have an impact on the purchasing decision of the consumer. The marketing strategy creates a Brand perception within the minds of the buyers but doesn't provide complete knowledge about the brand so that the consumer is aware of the brand. Social media plays an important role in influencing purchasing decisions. As the brand now has given a position to the brand ambassadors on social media as ‘Social Influencers’. This paper is an outcome of both primary and secondary data which seeks to investigate one of the major factors that influence the purchasing decision of the consumer.

Technology is advancing quickly in the modern world, and we daily are exposed to innovations. Artificial intelligence is one of the rapidly developing fields of computer science that is poised to usher in a new era of technological advancement through the development of intelligent machines.Artificial intelligence is now pervasive in our world. It is currently engaged in a wide range of subfields like Mathematics, Biology, Psychology, Sociology, Computer Science, Education etc.The study of this paper focuses on the application of AI with Adaptive testing using Bloom’s taxonomy [1] for effective teaching and learning process.The study emphasiszes the importance of Bloom’s Taxonomy [2] that is used setting the learning objectives for the students integrated with the benefits of adaptive testng which enables the student work on the areas they are weak with. For improved accessibility for students and teachers, the suggested method might be implemented as a feature of an LMS or an Android application.

Green Human Resource Management (GHRM) is the growing need of the hour. In the contemporary world, the competition in the open markets is increasing, making the firms to find alternative sources of management techniques to boost productivity and improve profit. None of the principles can be as effective as GHRM where not only the human resources are trained adequately to earn the profits, but also the environmental management is thought of in the same direction. In this principle, effective HRM practices are implied in the companies, which follow the protocol to prevent environmental degradation. This involves training the employees to provide the services in an eco-friendly manner. The main advantage of this is along with the increase in profit and improvement of the brand image of the company, the production cost will decrease, wherein the carbon footprints can be managed effectively. Thus, it can be said that GHRM helps in attending overall profits in one go.

Digitalization and sustainability are two of the most powerful market influences in today’s corporate practices. COVID-19 has created a sense of urgency for businesses to achieve one through the other. Because Digital Transformation impacts the Sustainability aspects of doing business. This is very important for organizations since consumers, share-holders and other stakeholders have visibility to business impacts on Brand Value, Revenues and Company Valuation. It is important to understand the link between Digital Transformation and Sustainability and the research aims to find out this. The research methodology used data collection from two methods - Primary Data and Secondary Data. For Primary Data, Survey Questionnaire method was used and for Secondary data, materials collected from books, Research Paper, Articles, Journals and Business Magazines were used. The research concluded that digital literacy is still low among employees, both in respect of recent technologies as well as its usage to bring about changes at the workplace. Digitalisation has helped business in operational efficiencies.

Ecolabels are regarded as an exceptional marketing and advertising tool that informs contemporary consumers about the green traits of a product. In the recent years, digitalisation of ecolabelling and sensitizing towards environment has increased a lot. With an aim to promote sustainable living environment- government, NGOs and various other organizations are working towards the goal of maintaining the environment. This paper talks about Ecolabels which is a tool towards promoting environmental sustainability and how it can grow through digitalising. In a crux the study explains that individuals are moderately aware about eco labels. They do lack the awareness and knowledge regarding eco labels. Also due to low government efforts, low media coverage and difficulty in availability of green products, eco labelling do face a barrier in reaching its sky. Also, people are not much motivated towards environment and thus they prefer to buy cheap over green.

The emergence of electronic commerce changed previous business models, though IT revolution is not a new thing in today’s generation still development of artificial intelligence & Advancement in IT technology opens new market opportunities in the field of electronic commerce. Consumer preference & prospective changes with these new opportunities. In the field of ecommerce this study is an attempt to find out consumers preferences towards ecommerce platforms & survival & sustainability of this business opportunity.

Digitalization in the Insurance sector has constantly played a very imperative role in the operations of every insurance company. The swift innovation in the area of information and communication technology has stood with serious challenges for the insurance industry in India. Digitalization has facilitate insurance companies to collect premium easily and reduce operating cost. Sound management is crucial for the financial stability of insurers. It is very difficult; however, to find any direct quantitative measure of management soundness, the indicator of operational efficiency is likely to be correlated with general management soundness. Unsound efficiency indicators could flag potential problems in key areas, including the management of technical and investment risks. The efficient management shall reflect in operating expenses, and gross premium, affecting overall operating efficiency of the insurance concerns, reflecting management soundness. Thus, the research paper is an attempt to examine impact of digitalization on growth of Life Insurance Corporation of India (LIC) and SBI Life Insurance Co. Ltd by analyzing management soundness of both the companies