This research paper focuses on the psychological effects of online marketing strategies on adolescents, considering their emotional responses and consumer behaviours. In some years, especially after pandemic, marketers are prominently using digital platform to influence consumer choices. Its more common among young individuals who are increasingly active on social media and digital platforms. Adolescents, as a vulnerable demographic, may be particularly susceptible to the persuasive techniques employed in online marketing, such as emotional appeals, influencer endorsements, and targeted advertisements. This study aims to understand how these marketing strategies shape adolescents’ emotions, attitudes, and purchasing decisions. This research study understands the relationship between online marketing content and adolescent emotional responses, as well as the broader implications for consumer behaviour. The findings highlight the critical role of emotional engagement in shaping consumer decisions and underscore the need for ethical considerations in digital marketing targeted at young audiences.

This research investigates the evolving payment behaviour in Thane’s retail markets, where modern shopping malls and traditional open-air markets coexist, creating a distinctive dual-track economy. The study focuses on the shift from cash to digital payments, particularly via UPI platforms, driven by factors such as convenience, transaction speed, safety, and ease of tracking expenses. Primary data collected through structured questionnaires indicate that most consumers—predominantly young adults—prefer digital payments, with Google Pay and Phone Pe emerging as the most widely used platforms. The adoption of digital payments by retailers, coupled with influences from organized retail outlets and improved internet connectivity, has reinforced this trend, reflecting a broader transformation in consumer habits and retail practices. Despite the growing popularity of digital transactions, cash continues to play a role in Thane’s retail ecosystem, highlighting a hybrid system of payments. Technical challenges, including network disruptions, payment failures, and security concerns, particularly affect older and less tech-savvy users, preventing a complete transition to cashless transactions. The findings suggest that while digital payments are poised to expand further, cash is likely to remain relevant in certain contexts due to trust and tangibility factors. The study concludes that strengthening digital infrastructure, enhancing user awareness of secure payment practices, and maintaining accessible cash options are essential to support an inclusive and efficient retail payment environment in Thane.

DevOps has become a central approach in contemporary software engineering, aiming to accelerate delivery cycles, enhance system reliability, and foster stronger collaboration between development and operations teams. However, despite its broad adoption, many organizations continue to experience inconsistent results, security shortcomings, and challenges in successful implementation. This study explores enduring research gaps in DevOps through the analysis of three closely connected areas: the absence of unified and standardized frameworks, the fragmented incorporation of security practices, and the limited attention given to organizational readiness. Using a survey-based research methodology supported by a critical review of existing literature, the study evaluates empirical insights gathered from DevOps practitioners across multiple industries in conjunction with prior academic research. The results indicate that current DevOps practices are predominantly driven by tools, security is unevenly integrated across the lifecycle, and organizational readiness remains insufficiently theorized and poorly operationalized. This research advances the field by conceptualizing DevOps as a socio-technical system and by outlining an integrative direction to inform future research and practical adoption. The study further discusses implications for theory building, organizational strategy, and the implementation of secure DevOps practices within post-pandemic, distributed work settings.

The rapid diffusion of artificial intelligence across organizational, educational, and societal domains has fundamentally reshaped how decisions are made, work is organized, and responsibilities are distributed. While AI systems offer unprecedented gains in speed, scale, and analytical capability, their real-world effectiveness is inseparable from the quality of human engagement that surrounds their design, interpretation, and use. This paper contends that preparedness for an AI-driven future cannot be reduced to technological readiness alone, but must be grounded in a human-centric understanding of collaboration between human intelligence and artificial systems. Using a qualitative and analytical research methodology based on a systematic review of interdisciplinary literature, the study integrates perspectives from information technology, social sciences, ethics, and workforce studies to examine how preparedness for human–AI collaboration is currently conceptualized. The analysis reveals that prevailing approaches disproportionately emphasize technical infrastructure and automation capacity, while insufficiently addressing the human competencies required to guide, question, and govern intelligent systems. In response, the paper proposes a Human-Centric Collaborative Readiness Framework structured around four interrelated dimensions: cognitive capability, emotional intelligence, ethical reasoning, and decision authority. These dimensions collectively capture the human capacities necessary to ensure that AI systems are used responsibly, transparently, and in alignment with societal values. By repositioning human intelligence as a central pillar of AI preparedness, the framework offers a structured lens for assessing individual and organizational readiness in AI-enabled environments. The study contributes to ongoing interdisciplinary discourse by advancing a conceptual model that emphasizes collaboration over replacement, responsibility over automation, and sustainability over short-term efficiency. The proposed framework is intended to support educators, organizations, and policymakers in designing strategies that ensure artificial intelligence strengthens human agency and institutional resilience in the evolving digital future.

Artificial Intelligence (AI) is a branch of computer science. Here, machines are designed in such a way that they can perform tasks which normally require human intelligence such as problem solving, analyzing, decision making etc. Finance is the lifeblood of business. Decisions taken by finance professionals have a significant impact on future prospects of business. AI helps in analyzing huge volume of financial data in just few minutes. Due to advent of AI, the traditional decision-making process has been replaced by AI tools (Machine Learning, Natural Language Processing and Predictive Analysis). This study tries to analyze the impact of AI on enhancing the speed and accuracy of decision making. It tries to find how much finance professionals are dependent on AI for decision making. The study finds that AI tools have helped to reduce human bias and errors, but they can never replace human beings. Just that the roles of finance professionals will evolve from doing manual or routine tasks to being strategic advisors, AI ethic officers, AI product managers, AI auditors, Risk analysts, etc.

This paper investigates the reason why numerous commerce students, even with formal finance education, are reluctant to invest their money. “Financial Literacy” pertains to the objective understanding of concepts such as inflation and interest, whereas “Financial Confidence” relates to an individual’s self-assurance in making the right decisions. The study reveals that confidence often plays a more significant role in prompting investment actions than actual knowledge. Research indicates that there is no significant difference in the financial confidence levels of male and female commerce students. The study shows that understanding money is not just about knowing facts. It also involves behavior. Teaching methods need to focus on emotions to help students act on what they know. This report offers a framework for understanding how to transition students from being ”educated” to becoming “active” investors.

Global business management has experienced dramatic transformation with the expedited evolution of electronic payment facilities and growth in cross-border business. Global trade previously relied heavily on conventional banking networks, which were not just time-consuming but also costly and less accessible. Fintech facilities, blockchain technology, and mobile payment applications have transformed digital payments into an integral force behind global commerce. This paper examines the role of electronic payment systems in the development of cross-border trade and how the technologies have put across a new paradigm in international business administration with special reference to India and US. It aims to highlight opportunities, challenges, and strategic implications of implementing digital payment in overseas markets. Systematic review of literature and secondary data analysis were employed to evaluate global trade flows, fintech adoption patterns, and regulatory problems. Comparative analysis between developed and emerging economies has been presented to understand the different impacts of digital payment solutions. Results show that electronic payments enhance efficiency in international trade since they reduce transaction costs, improve speed, and increase transparency. They also result in higher financial inclusion as SMEs are enabled to participate in global trade. However, regulatory variance, cybersecurity threats, and interoperability issues remain significant impediments. Digital payments are an innovation catalyst for cross-border business management, transforming supply chain efficiency, consumer trust, and cross-border competitiveness. Policy makers and enterprises must collaborate to combat challenges, synchronize rules, and embrace innovation to unlock the full potential of digital payments in cross-border trade.