A Mobile based payment system or mobile commerce is an emerging issue of e-commerce in India. the topic is still under development and offers potential opportunities for further research and applications. Mobile commerce had been expected to become a major force of e-commerce in the 21st century. While academics and practitioners have presented many views about the lack of rapid growth of mobile commerce. So, the purpose of this research paper is to explore, investigate and analyze various systems of electronic payment services, security issues related to them and the future of the mobile payment mode. This paper will also examine the various factor affecting adoption of mobile payment methods by consumers. With how the customer and sellers struggling.

Artificial Intelligence (AI) refers to the capability of machines to simulate human intelligence and behavior. The primary objective of AI is to understand the fundamental principles and mechanisms required for intelligent decision-making and to offer solutions to intricate problems with a high degree of competence. In recent years, the field of Artificial Intelligence has gained significant recognition, influencing and enhancing numerous aspects of human life. The applications of AI have had a profound impact on various domains, with expert systems being extensively utilized to address complex challenges across multiple sectors. This paper explores the potential influence of Artificial Intelligence on higher education. To achieve this objective, a qualitative research methodology was employed, involving open-ended questions directed at a sample of academics.

Digital and online marketing have transformed the way businesses promote their products and services, enabling them to reach a vast and diverse audience through internet-based platforms. This paper explores the fundamental concepts, strategies, and emerging trends in digital marketing, highlighting the significance of online marketing in the contemporary business landscape. Key components such as search engine optimization (SEO), social media marketing, content marketing, influencer marketing, and data-driven advertising are examined to understand their impact on consumer engagement and brand growth. Additionally, this study discusses the challenges businesses face in the digital marketing sphere, including data privacy concerns, algorithm changes, and market saturation. With the increasing role of artificial intelligence (AI) and automation, the paper also investigates the future prospects of digital marketing and its potential to further revolutionize customer interactions. The findings suggest that businesses must continuously adapt to technological advancements and evolving consumer behavior to maintain a competitive edge in the digital marketplace.

The emergence of cryptocurrency and digital currencies has fundamentally transformed the landscape of global finance. Initially, cryptocurrencies like Bitcoin challenged traditional banking systems by introducing decentralized, peer-to-peer financial transactions. This research paper explores the technological, economic, and regulatory implications of cryptocurrency and digital currencies. It examines the development of blockchain technology, the diverse types of digital currencies, their economic benefits, challenges, and the global regulatory environment. Furthermore, the paper delves into the rise of Central Bank Digital Currencies (CBDCs), the future of cryptocurrencies, and the evolving role of digital currencies in global financial systems.

The integration of technology into literature and language education has become an essential avenue for enhancing teaching and learning outcomes in contemporary classrooms. This paper examines how digital tools and platforms can be leveraged to transform traditional pedagogical approaches in the teaching of literature and language. Focusing on practical strategies for incorporating technology into the curriculum, the paper outlines key innovations that have reshaped the educational landscape. It evaluates the effectiveness of multimedia tools, virtual learning environments, digital storytelling, and language acquisition apps, while also addressing the challenges and potential pitfalls of technology implementation. Through a thorough analysis of case studies, theoretical perspectives, and empirical data, this research highlights the benefits and drawbacks of integrating technology into literary and linguistic education and proposes a framework for optimizing technology use in these domains

A capital market is a financial market in which long-term debt or equity-backed securities are bought and sold. Capital markets are defined as markets in which money is provided for periods longer than a year. Capital markets channel the wealth of savers to those who can put it to long-term productive use, such as companies/ governments making long-term investments. Financial regulators, such as the UK's Bank of England (BoE) or the U.S. Securities and Exchange Commission (SEC), oversee the capital markets in their jurisdictions to protect investors against fraud, among other duties. This paper discuss about the reforms of capital market in India and what is recent development in capital market

Environmental, Social, and Governance (ESG) initiatives have become integral to modern corporate strategies, particularly in human resource management. This paper explores the role of ESG in HR, focusing on sustainable workplace practices, diversity and inclusion, employee well-being, and ethical governance. The study highlights how ESG-driven HR policies enhance employee engagement, strengthen corporate reputation, and improve financial performance. Additionally, it examines best practices for implementing ESG in HR, such as leadership commitment, employee education, and performance monitoring. By integrating ESG principles, organizations can foster a responsible, inclusive, and sustainable work environment, ultimately driving long-term success and stakeholder trust.

The rise of financial technology (Fintech) has transformed the traditional financial sector, making financial services more accessible, efficient, and user-friendly. This review examines existing research on the impact of Fintech, focusing on its growing role in digital payments, online banking, robo-advisors, and blockchain-based transactions. With increasing familiarity and frequent use of Fintech, consumers benefit from faster transactions, lower costs, and greater financial inclusion. Trust in modern technology has grown as security measures improve, yet concerns about data privacy and regulatory oversight remain. Fintech’s accessibility empowers individuals across all demographics, bridging gaps that traditional finance often struggles to address. As Fintech continues to evolve, traditional financial institutions must adapt to maintain relevance in a rapidly digitizing economy.The present study aims to study the impact of fintech on traditional finance. For this research, data was collected through primary and secondary source. Primary data was collected by filling questionnaire from the respondents of Ulhasnagar city and the sample size of 100 respondents were taken into consideration. Chi square method for hypothesis testing was used for data analysis and interpretation. Result of hypothesis testing from the Chi-Square test concluded that, there is statistically no significant difference between age and gender. So the null hypothesis is accepted.

Education and skills development are central to addressing the demands of an ever-evolving global economy. As industries rapidly adapt to technological advancements, the need for a highly skilled and adaptable workforce becomes increasingly critical. Key components of this evolution include upskilling and reskilling, innovative educational technologies, lifelong learning and professional development, and strengthened collaboration between art industry and academia. Upskilling focuses on enhancing the existing skill sets of workers to meet the demands of new technologies, while reskilling provides opportunities for individuals to transition into different roles or sectors. The integration of innovative educational technologies, such as digital platforms and artificial intelligence, plays a pivotal role in providing flexible, accessible, and personalized learning experiences. Furthermore, lifelong learning and continuous professional development are essential for maintaining relevance in an ever-changing job market. Finally, fostering collaboration between industry and academia ensures that educational programs are aligned with real-world job requirements, facilitating smoother transitions from education to employment. Together, these elements create a dynamic framework that supports the development of a resilient, future-ready workforce. This abstract explores the interplay of these factors in shaping a sustainable and inclusive educational landscape for the workforce of tomorrow.

The rise of digital technology has transformed the marketing landscape, offering businesses unprecedented opportunities to connect with their target audiences. This study aims to evaluate the effectiveness of digital and online marketing strategies in reaching target audiences. A mixed-methods approach was employed, combining both qualitative and quantitative data collection and analysis methods. The results indicate that digital and online marketing strategies, such as social media marketing, email marketing, and search engine optimization, are effective in reaching target audiences. However, the study also highlights the importance of integrating digital and online marketing strategies with traditional marketing approaches to achieve optimal results.

This paper explores into the effects of artificial intelligence on the relative importance of emotional intelligence and intelligence quotient. As AI replaces analytical and computational tasks previously attributed to high IQ, EQ-driven skills such as empathy, leadership, and adaptability may become more important in workplaces and society. The study assesses how AI influences human roles, the increasing demand for soft skills, and whether EQ will eventually become more important than IQ.

Digital and online marketing have profoundly reshaped the landscape of business and technology, driving transformative innovations and trends that continue to redefine consumer engagement, operational efficiency, and competitive dynamics. This paper explores the pivotal role of digital marketing in influencing business strategies and technological advancements, emphasizing the integration of data analytics. Today, advances in technology bring changes to people’s lifestyles, and challenge organizations to accompany these advances. Organizational managers and those responsible for the Information Technology (IT) department must evaluate current trends in innovation, and determine how they can boost business, create new business models, and promote competitiveness. This paper further examines the challenges and ethical considerations surrounding data privacy, cybersecurity, and the need for regulatory compliance. It also explores future trends such as the integration of block chain technology for transparent advertising, the rise of the met averse as a new marketing frontier, and the potential of 5G technology to enhance immersive digital experiences.

Online education and digital learning are at the forefront of transformative innovations that are reshaping business, technology, and education. This paper examines the critical role of digital learning platforms in driving skill development, enabling flexibility, and responding to the increasing need for workforce upskilling. The research highlights the technological advancements, new business models, and key trends that are shaping the future of education and business. The paper also includes the perceptions of students, business professionals, and educators regarding online learning, its effectiveness, and its challenges. It provides valuable insights into the real-world impact of digital education.

The paper examines the role of AI in enhancing customer experiences through robo-advisors, AI-driven chat bots, and personalized wealth management services. Despite the benefits, the paper discusses the challenges posed by AI, including data privacy concerns, algorithmic bias, and regulatory compliance issues. Additionally, it emphasizes the need for continuous adaptation of regulatory frameworks to keep pace with technological advancements. Through a comprehensive review of AI's applications, opportunities, and challenges, this paper aims to provide insights into the evolving role of AI in reshaping the financial landscape and its implications for future financial services and market structures. This research paper explores the pervasive influence of Artificial Intelligence (AI) in the realm of finance, investigating its multifaceted impact on the industry. The study encompasses a comprehensive analysis of AI applications, focusing on its transformative effect on operational processes, decision-making paradigms, and the overall trajectory of the financial sector. The primary objective is to dissect the varied applications of AI within finance, ranging from risk management and fraud detection to algorithmic trading and customer service. By delving into specific use cases and implementations, the research aims to provide a clear understanding of how AI technologies are reshaping traditional practices and augmenting the capabilities of financial institutions. Furthermore, the paper scrutinizes the intricate role of AI in decision-making within the financial sector. This involves a detailed examination of its impact on risk assessment, investment strategies, and credit scoring. The study aims to delineate the AI's influence on decision processes, elucidating its advantages in integrating advanced technologies into established financial frameworks. In addition, the research looks towards the future, assessing AI’s prospective development in the financial industry. Anticipating technological trends, regulatory influences, and potential challenges, the study offers insights into how AI is likely to evolve and shape the future landscape of finance. Overall, this research paper contributes a comprehensive and insightful analysis of the impact of AI in finance, offering valuable insights for industry professionals, policymakers, and stakeholders navigating the dynamic intersection of artificial intelligence and financial services.

In the digital age, e-commerce innovation has emerged as a vital component of business strategy, revolutionizing the way businesses operate, interact with customers, and drive revenue growth. The rapid evolution of digital technologies has created unprecedented opportunities for businesses to reach a wider audience, improve customer experience, and gain a competitive edge in the market.

Virtual Reality (VR) technology has progressed to unimaginable extents in the recent times, making its presence felt in numerous domains such as arts, education, and a lot more. This paper aims to highlight a detailed overview of the present status of VR technology and hint at how it has scope for progress in future. Further, it also delves into the future potential that VR technology has in various sectors along with the pros and cons of integrating VR technology into the everyday functioning of various industries. In addition, the paper also strives to discuss the numerous limitations to enhance VR Technology, like preventing motion sickness, enhancing the display resolution to name a few. Lastly, the paper also details how VR has helped in the progress and development of numerous spheres like artificial intelligence, 5G networks, and cloud computing.