International Journal of Technology, Leadership and Sciences
Welcome to the International Journal of Technology, Leadership and Sciences (IJTLS), a globally trusted platform for publishing high-quality, peer-reviewed research papers. International Journal of Technology, Leadership and Sciences (IJTLS) connects researchers, academics, and professionals across disciplines, fostering innovation and knowledge exchange. With a streamlined submission process and rapid publication, we empower you to share your discoveries with a worldwide audience. Submit your paper today and join our vibrant community of over 10,000 researchers! Contact Us: editor@ijtls.com Journal Frequency: Bimonthly (February, April, June, August, October, December) Paper Submission: Ongoing Accepted Language: English Type of Articles: Research Paper, Survey Paper, Informative Article, Case Studies, Review Papers, Comparative Studies, Dissertation Chapters, Research Proposals or Synopsis, M.Tech / M.E / PhD Thesis, Photo Essay At International Journal of Technology, Leadership and Sciences (IJTLS), we prioritize quality and accessibility. Our open-access model ensures your research reaches readers without barriers, while our rigorous peer-review process upholds the highest academic standards. Whether you're exploring cutting-edge science, engineering, or interdisciplinary topics, International Journal of Technology, Leadership and Sciences (IJTLS) offers a prestigious platform to showcase your work. Benefit from our user-friendly online submission system, detailed author guidelines, and dedicated support team to make your publishing journey seamless and impactful. Call for Paper Publication Ready to publish? International Journal of Technology, Leadership and Sciences (IJTLS) makes it easy to get started. Submit your manuscript now and experience fast, transparent publication with global visibility. Explore our latest issues, browse trending research, or learn more about our indexing and impact factor. With International Journal of Technology, Leadership and Sciences (IJTLS), your research doesn't just get published-it inspires change. Join us today and elevate your academic career with a journal trusted by researchers worldwide! We look forward to receiving your manuscript. Our Editors will review it for quality and accuracy before publishing it on our website. Our team is available 24/7 to answer any questions or doubts you may have regarding the journal submission process. Thank you for taking the time to discover International Journal of Technology, Leadership and Sciences (IJTLS)! Journal Information Title of the Journal International Journal of Technology, Leadership and Sciences(IJTLS)! Frequency of Publication Bimonthly (February, April, June, August, October, December) ISSN (Online) 3107-9083 Publisher Name Rainbow Research Publications Editor-in-Chief Dr. G. Kishor Kumar Copyright International Journal of Technology, Leadership and Sciences Year of Start 2025 Subject Multidisciplinary Subjects Language English Format of Publication Online Phone Number +91 7093319332 Email Id editor@ijtls.com Website https://ijtls.com/
FINANCIAL RATIOS AND SUSTAINABLE GROWTH AT LIC OF INDIA
This research looks at LIC of India's long-term growth and financial parameters. It evaluates the company's finances, operations, and growth using numbers. In the competitive insurance industry, LIC's liquidity, profitability, solvency, and efficiency ratios indicate its performance and stability. The study evaluates old financial data for corporate income, cost management, and asset use patterns. How well the business grows depends on these tendencies. The study examines strategic aims and profit. For survival, a company must organize resources, manage risks, and invest. This examination closes with LIC's financial system benefits and downsides. This knowledge can be utilized to make smart decisions, create policies, and plan insurance firm growth and stability.
Financial Ratios, Sustainable Growth, LIC of India, Liquidity Ratios, Profitability Ratios, Solvency Ratios, Efficiency Ratios, Financial Performance,
Copyright (c) 2026 https://creativecommons.org/licenses/by/4.0
LOYALTY PROGRAMS IN ENHANCING CUSTOMER RETENTION AT RELIANCE TRENDS
The purpose of this paper is to investigate the impact of loyalty programs in improving consumer retention at Reliance Trends, a well-known fashion retail company in India. Loyalty programs that provide rewards such as discounts, points, and special offers dramatically increase consumer engagement and repeat business. The paper analyzes the design and implementation of these efforts to determine their influence on consumer happiness, repeat business, and long-term brand loyalty. The paper focuses on how individualized incentives and offers strengthen consumer interactions and motivate people to stay loyal to the company.
Customer Retention Strategies, Reward Programs, Customer Loyalty, Repeat Purchase Behavior, Customer Engagement
The goal of this research is to look into the impact of Coca-Cola's brand equity on brand value, consumer loyalty and market share. Using a combination of qualitative and quantitative research approaches, the paper explores how customers view the Coca-Cola brand in terms of quality, associations, awareness, and overall reputation. The paper uses surveys and interviews with a wide range of demographics to identify important elements that contribute to Coca-Cola's excellent brand equity, such as consistent messaging, emotive connections with customers, and worldwide presence. The findings indicate that Coca-Cola has a positive brand image, good brand recall, and great consumer loyalty. Nonetheless, the paper identifies new challenges, such as increased competition and shifting customer preferences for healthier beverage options. The findings provide strategic direction for preserving and enhancing Coca-Cola's brand equity in a continually changing market.
Brand Awareness, Brand Loyalty, Perceived Quality, Brand Associations, Brand Value, Customer Perception
CREDIT RISK MODELS IN COOPERATIVE BANKS AT BANDHAN BANK
This research evaluates cooperative bank credit risk models, focusing on Bandhan Bank. Financial institutions, especially cooperatives, worry about credit risk—the loss that may result from a borrower's failure to meet financial obligations. The study examines credit risk assessment models including PD, LGD, and EAD to preserve financial stability and manage nonperforming assets. Direct data from Bandhan Bank's lending operations and secondary data from financial reports and scholarly literature are used to assess existing credit risk management practices' pros and cons. Bandhan Bank and other cooperative banks are using data-driven, technology-based solutions to improve credit assessments and minimize default rates, even while standard risk appraisal approaches are structured. Research supports this. This research suggests ways to improve credit risk modeling for sustainable development and integrate international risk management practices into cooperative banking.
Credit Risk Management, Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), Non-Performing Assets (NPAs),
INCENTIVE FRAMEWORKS FOR PRODUCTIVITY AND MORALE AT STATE BANK OF INDIA
The investigation influence of structured incentive programs on employee productivity, motivation, and job satisfaction. In order to cultivate a positive work environment and increase employee productivity, it is imperative to implement both financial and non-financial incentives. This investigation investigates the impact of the State Bank of India's (SBI) incentive programs on employee morale, productivity, and loyalty. The study is a systematic examination of the effectiveness of incentive programs that are well-structured in fostering a sense of community among employees, decreasing attrition, and increasing productivity. The findings suggest that incentives that are transparent, equitable, and performance-oriented can significantly improve productivity and motivation. The analysis suggests that effective incentive management is essential for the sustained organizational success and increased employee engagement of SBI.
Incentive Frameworks, Employee Productivity, Employee Motivation, Job Satisfaction, Monetary Incentives, Non-Monetary Incentives,
DEBTORS TURNOVER IN AUTOMOBILE MANUFACTURING AT MAHINDRA AND MAHINDRA
The debtor turnover ratio is an important financial metric that measures the effectiveness of a company's credit sales and collection activities. This ratio is critical for evaluating working capital and liquidity management in the car manufacturing sector, as credit influences sales primarily through financing methods and dealer networks. This inquiry focuses on the debtor turnover performance of Mahindra & Mahindra Ltd., one of India's most significant vehicle manufacturers. The goal is to assess the company's ability to convert receivables into cash in order to sustain positive cash flows. The research draws a link between Mahindra & Mahindra's most recent receivables management measures, industry standards, and operational strategy. A lower percentage may indicate that recovery methods are inadequate or that loan terms are extended, whereas a larger ratio shows that credit standards are efficient and collection is accelerated. By evaluating these developments, the report provides insight into how Mahindra & Mahindra balances financial discipline with credit sales growth. The findings highlight the relevance of debtor management optimization in improving overall financial performance, reducing credit risk, and increasing liquidity in the competitive automobile business.
Accounts Receivable Turnover, Credit Sales, Collection Period, Credit Policy, Cash Flow Management, Working Capital Efficiency
PROFITABILITY RATIO ANALYSIS IN INDIAN FIRMS AT ARAVIND LTD
Profitability ratios play a crucial role in determining the effectiveness and success of a company. This research looks at the financial standing and profitability patterns of Aravind Ltd., a well-known Indian firm, over a certain time frame. Operating profit margin, net profit margin, return on assets (ROA), and return on equity (ROE) were some of the key ratios used to assess the firm's profitability in relation to sales, assets, and shareholders' equity. Based on the data, we can see where the firm stands in the Indian market compared to its rivals and where it has room to grow. Management and investors can use the research's findings to better understand Aravind Ltd's financial situation and make future plans and decisions based on that knowledge.
Gross Profit Margin, Net Profit Margin, Operating Profit Ratio, Return on Assets (ROA), Return on Equity (ROE).
USE OF AI IN RESUME SCREENING IN HR TECH AT ALGOHIRE TECHNOLOGIES
Artificial Intelligence (AI) has transformed HR processes by enhancing the efficiency and precision of candidate selection via resume screening. This study examines Algohire Technologies' implementation of AI-driven tools to expedite the hiring process, automate resume evaluation, and mitigate human bias. AI systems identify suitable candidates by analyzing extensive applicant data in relation to skill sets, experience, and job specifications. The study highlights both the benefits— such as expedited decision-making and enhanced talent alignment—and the challenges—such as algorithmic transparency and ethical quandaries. Research indicates that employing AI in resume screening can significantly enhance hiring processes while ensuring unbiased evaluations.
Artificial Intelligence (AI), Resume Screening, Recruitment Automation, Human Resource Management (HRM).
EMPLOYEE SATISFACTION AND ORGANIZATIONAL LOYALTY AT DLF LTD
In large organizations, long-term performance and a competitive advantage are contingent upon employee loyalty and contentment. This investigation investigates the correlation between employee satisfaction and organizational loyalty at DLF Ltd., a prominent Indian real estate organization. The survey is designed to evaluate the level of satisfaction that employees experience with the work environment, compensation, opportunities for career advancement, leadership support, and worklife balance. It also examines the impact of these factors on the loyalty of employees to the company. In order to gather primary data, a standardized questionnaire was distributed to employees from various departments and levels of employment. Secondary data was obtained from pertinent literature and company reports. In order to interpret the data, we implemented both descriptive and analytical research methodologies. The results suggest that the majority of DLF Ltd. employees are moderately to extremely satisfied, notably with respect to the company's reputation and job security. As a consequence, they become increasingly dedicated. Nevertheless, in order to increase the retention of employees, it is necessary to enhance other factors, including performance evaluation systems and opportunities for professional development.
Employee Satisfaction, Organizational Loyalty, DLF Ltd., Work Environment, Compensation, Career Development, Leadership Support
DIVIDEND POLICIES IN INDIAN IT SECTOR AT WIPRO TECHNOLOGIES
Dividend policy is essential in the Indian IT sector for the purpose of influencing stakeholder value, communicating corporate stability, and shaping investor perception. This research examines the dividend policies of one of India's leading IT service providers in order to understand Wipro Technologies' approach to achieving a balance between shareholder returns and development prospects. Profitability, cash flow generation, and long-term investment requirements in technology, digital transformation, and global expansion are the determining factors for payouts. Wipro's dividend strategy is distinguished by its methodical yet prudent approach. The analysis demonstrates how Wipro maintains a balance between distributing dividends to investors on a regular basis and retaining earnings for market competitiveness, R&D expenses, and strategic acquisitions. The results indicate that Wipro's dividend policy is influenced by global demand cycles, industry dynamics, and regulatory frameworks, which serve as both corporate conservatism and growth orientation. This investigation contributes to the body of knowledge regarding the methods by which information technology (IT) companies, including Wipro, regulate dividend distribution to guarantee long-term value growth and maintain investor confidence.
Dividend Policy, Dividend Payout Ratio, Dividend Yield, Earnings Per Share (EPS), Retained Earnings, Profitability.
INTEGRATING MACHINE LEARNING AND NETWORK ANALYSIS FOR FINANCIAL DISTRESS PREDICTION
Financial institutions need crisis prediction capabilities to mitigate risk and respond quickly. Traditional models sometimes run into problems due to the fact that unexpected data makes it impossible for many different financial variables to interact. This research introduces a method that integrates network analysis and machine learning to enhance the precision of predictions. To begin, we may determine which financial indicators are most important by using feature selection approaches. Next, machine learning methods such as XGBoost, Random Forest, and Neural Networks are used to categorize the data. Identifying patterns in the propagation of issues and financial connection modeling are two of the many applications of network analysis. When it comes to predicting future occurrences using real-world financial data, the hybrid method performs better than individual machine learning models. The results show that by combining network knowledge with statistical learning, financial problem estimates can be made more precise.
Financial distress prediction, machine learning, network analysis, hybrid model, financial risk assessment.
Copyright (c) 2025 https://creativecommons.org/licenses/by/4.0
A STUDY ON GLOBAL ASSET MANAGEMENT AND WEALTH MAXIMIZATION WITH REFERENCE TO MASS MUTUAL INDIA
Global asset management is undergoing significant change due to a number of variables, including financial market expansion, technological advancements, and globalization. MassMutual's operations in India have emerged as a driving force behind innovation and efficiency in this dynamic sector. Better wealth management for people all over the world is possible with the support of the Global Capability Center's analytics and technological solutions. The company's use of cutting-edge data analytics, risk modeling, and optimization of portfolio strategies increases the value it provides to investors. These measures guarantee that clients receive superior strategies in a highly competitive business environment. Simultaneously, stakeholders gain trust and confidence when you obey the rules and are a good boss. To maintain public confidence in many sectors, compliance with international standards is essential. Personal financial planning and retirement strategies tailored to each individual's unique circumstances are superior to cookie-cutter approaches. Building wealth requires patience and careful maintenance of assets. These characteristics illustrate how MassMutual integrates global expertise with local knowledge to generate sustainable financial success.
Global asset allocation, Portfolio optimization, Wealth maximization strategies, Investment risk management, Capital market integration.
A STUDY ON EMPLOYEE EXPERIENCE AND RETENTION IN HR TECH AT KEKA HR
Employee experience profoundly impacts individuals' motivation, efficiency, and dedication within the workplace, rendering it an essential element in an organization's overall performance. Human resource technology platforms, including KEKA HR, are improving the employee experience through the optimization and customization of each phase of the process. By consolidating these processes—spanning recruitment, orientation, performance assessments, payroll, and employee engagement—into a unified system, KEKA HR promotes greater efficiency and elevates employee satisfaction. This research indicates that HR technology enables significant, advantageous, and transparent interactions between organizations and their employees, thereby directly impacting employee retention. KEKA HR's automation, analytics, and real-time feedback tools promote a culture of development and ongoing engagement while improving administrative efficiency. Ultimately, the study demonstrates that investing in HR technology goes beyond mundane operational efficiency; it also encompasses anticipating employee needs and cultivating an environment conducive to peak performance.
Digital Employee Engagement, AI-Driven HR Analytics, Employee Journey Mapping, Talent Retention Platforms, Predictive Attrition Modeling and Employee Well-Being Technology
A STUDY ON MICROFINANCE INSTITUTIONS AND RURAL DEVELOPMENT AT FINO PAYMENTS BANK
This research analyzes the role of microfinance institutions in fostering rural development at FINO Payments Bank and underscores the impact of readily available financial services on economic inclusion and the enhancement of livelihoods in disadvantaged communities. This research investigates the bank's utilization of digital technology to improve lending accessibility, savings behaviors, and financial literacy among rural households. It also evaluates the bank's customer service and microfinance distribution strategies. This research examines the impact of microfinance on social empowerment, entrepreneurship, and income production, utilizing primary data from beneficiary interactions and secondary data from institutional reports. The findings indicate that FINO's microfinance efforts have enhanced economic engagement and alleviated financial loss concern among rural inhabitants. Decision-makers and industry insiders acquire new ideas on enhancing universally accessible financial programs.
Microfinance Institutions, Rural Development, FINO Payments Bank, Financial Inclusion, Digital Banking, Economic Empowerment, Credit Access, Financial Literacy, Rural Entrepreneurship, Inclusive Finance.
A STUDY ON FINANCIAL LITERACY AND BANKING HABITS WITH REFERENCE TO IDFC FIRST BANK
A component of financial acumen is the ability to perform mathematical calculations. Daily, it alters the manner in which individuals make decisions and manage their finances. The research examines the relationship between individuals' comprehension of fundamental financial concepts and their actual financial management practices. A systematic questionnaire inquires about participants' experiences with digital technologies such as mobile banking and online payments, along with their money-saving practices. The findings indicated that individuals with greater financial knowledge were more inclined to utilize banking services, save consistently, and adhere to manageable budgets. Many individuals continue to struggle with comprehending concepts such as interest rates, long-term strategies, and investment alternatives. The occurrence of these differences underscores the necessity of educating individuals beyond fundamental financial principles. If banks and legislators educate individuals about finance, a greater number will engage with the formal financial system, increase consumer participation, and enhance their financial decision-making.
Financial Literacy, Banking Habits, Customer Satisfaction and Digital Banking Adoption
A STUDY ON BALANCING AI AND HUMAN JUDGMENT IN HR DECISIONS AT TATA CONSULTANCY SERVICES
This paper examines TCS's approach to HR decision-making through the integration of artificial intelligence (AI) and human judgment. Artificial intelligence (AI) delivers rapid, accurate, and predictive insights that enhance recruitment, performance assessments, and human resource management. Discernment is crucial for empathy, ethics, and comprehending the broadern context. The paper indicates that TCS achieves favorable outcomes by integrating two strategies: the analytical capabilities of AI and the inherent moral sensibilities of humans to ensure transparency and fairness. The statistics indicate that this hybrid strategy, incorporating HR techniques, enhances employee trust and fosters corporate values.
Human–AI Collaboration, Ethical Decision-Making, Bias Mitigation, Transparency and Accountability and Augmented HR Decision Support.
A STUDY ON DECISION-MAKING FRAMEWORKS AND ORGANIZATIONAL LOYALTY AT SUN PHARMACEUTICALS
The decision-making procedures and employee loyalty of Sun Pharmaceuticals are the focal points of this investigation on the effects of structured management practices on employee commitment and the firm's overall effectiveness. The Research looks at how various levels of management use data-driven, interactive, and rational decision-making processes. Also examined are the ways in which leadership, culture, and policy impact loyalty among workers. Methods used in the Research include surveys of employees, document analysis, and in-depth interviews. Opportunity for advancement, equity, clear and open communication, and alignment with company goals are some of the fundamental components that are identified. Employees are more loyal to their employers when decision-making processes are transparent and swift, which in turn increases productivity and happiness on the work, according to the research. The big pharma companies can learn a lot about public engagement and how to improve their decision-making from this article.
Decision-making frameworks, Organizational loyalty, Employee commitment, Leadership, Participative decision-making, Organizational culture, Sun Pharmaceuticals, Workforce engagement, Managerial effectiveness, Organizational performance.
A STUDY ON CAPITAL BUDGETING IN RENEWABLE ENERGY PROJECTS WITH REFERENCE TO NTPC
Capital budgeting is crucial for determining the strategic direction and evaluating the financial viability of significant energy projects. Green energy necessitates significant initial expenditures, prolonged return times, and dynamic regulatory frameworks, rendering this process increasingly vital. This research examines the decision-making processes of NTPC Limited, India's premier power generation corporation, concerning investments in wind, solar, and hybrid energy projects. NTPC employs standardized approaches such as Net Present Value (NPV), Internal Rate of Return (IRR), and Payback Period to evaluate project profitability and guide decision-making. The organization considers factors beyond financial statistics when allocating resources. It further examines sustainability objectives, risk management measures, and governmental incentives. The results indicate that NTPC's organized and cohesive capital planning is crucial for facilitating India's shift to greener, more sustainable energy sources while concurrently improving the company's financial performance.
Capital Budgeting, Renewable Energy Investments, Project Appraisal Techniques, Risk Assessment, Financial Feasibility Analysis and Sustainable Energy Projects
A STUDY ON COMPENSATION APPROACHES FOR RETAINING TALENT WITH REFERENCE TO AUROBINDO PHARMA
This research examines Aurobindo Pharma's compensation strategies for talent retention in the competitive pharmaceutical industry, highlighting the influence of fixed salaries, performance-based incentives, benefits, career advancement opportunities, and non-monetary rewards on long-term loyalty and employee satisfaction. This research used a mixedmethod approach to evaluate employee attitudes and company HR practices, assessing the efficacy of current pay schemes in reducing turnover and improving motivation. By ensuring equitable compensation for both the corporation and its personnel, the results seek to provide Aurobindo Pharma with insights to enhance its retention strategy.
Compensation Management, Talent Retention, Employee Motivation, Aurobindo Pharma, Pharmaceutical Industry, Incentive Systems, Employee Benefits, Performance-Based Pay, HR Practices, Job Satisfaction, Organizational Commitment.
A STUDY ON WEALTH CREATION THROUGH SYSTEMATIC INVESTMENT PLANS WITH REFERENCE TO SUNDARAM MUTUAL FUND
This review centers on Sundaram Mutual Fund and its long-term wealth-building potential through Systematic Investment Plans (SIPs). The research analyzes the impact of systematic investment, considering compounding and dollar-cost averaging, on a portfolio's long-term growth across various market conditions. This article demonstrates the efficacy of Systematic Investment Plans (SIPs) as a structured investment technique by assessing investor outcomes, risk-return profiles, and the historical performance of certain Sundaram Mutual Fund schemes. The findings indicate that SIPs offer several advantages to Indian retail investors, including as mitigating timing risk, promoting disciplined spending, and facilitating substantial long-term wealth accumulation.
Systematic Investment Plans (SIPs), Wealth Creation, Mutual Funds, Sundaram Mutual Fund, Rupee-Cost Averaging, Power of Compounding, Equity Funds, Hybrid Funds, Retail Investors, Investment Strategy, Portfolio Growth, SIP Performance Analysis
ENHANCING AMAZON ALEXA PRODUCT RECOMMENDATIONS USING CNN AND NLP METHODS
Research in this area has recently centered on the development of smart home systems like Amazon Alexa, with a particular emphasis on analyzing user feedback for Echo, Echo Dots, and Firesticks. To determine if customer sentiment is good or negative, the research makes use of machine learning methods such as GloVe, CNN, ANN, and logistic regression. To measure how well these models work, metrics like recall and precision are used. This research shows how useful insights into customer attitudes gained through feedback can improve product development, user happiness, and purchasing decisions. The relevance of strong emotion prediction models in helping businesses improve customer experiences and strategies is highlighted, laying the groundwork for the growth of the rapidly developing smart home technology industry.
Logistic Regression, Multilayer Perceptron, Artificial Neural Networks, Word Embeddings, Convolutional Neural Networks (CNN), GloVe, Sentiment Prediction, Machine Learning Models, E-commerce Reviews, Text Analytics, Amazon Reviews, Consumer Opinion Analysis.
SMART HOME AUTOMATION SYSTEM USING ARDUINO AND IOT
Intelligent methods for finishing tasks swiftly and efficiently, with a focus on optimizing the utilization of time and resources, are becoming more apparent as technology advances. An IoT-based system for managing home and business operations is detailed in this article, with a focus on home automation. The system uses Arduino, sensor scripting, and embedded technologies to control and monitor household water and appliance systems. Using a wireless module, devices can connect to the cloud for real-time status updates, and sensors like flow and fire detectors allow them to communicate with each other when paired with Arduino. With a flex sensor, for example, users can simply move their fingers to control the device. Cloud services, such as THINKSPEAK, make this data accessible. By streamlining processes and improving home management, this novel approach exemplifies how the IoT can improve people's quality of life.
Arduino,FlexSensor,WirelessModule,FlameSensor,Internetofthings(IOT), ThinkSpeak
INTELLIGENT LETTER PROCESSING SYSTEM FOR IMPROVED EFFICIENCY IN GUNTUR MUNICIPAL CORPORATION
Smart Letter Processing System is revolutionizing the way written and printed text is handled. Through adept context interpretation, mitigation of security problems, and optimization of digital communication, it streamlines life for both consumers and businesses. Modern machine learning and natural language processing allow this technology to precisely adapt to different industries. It improves dependability and scalability by tailoring solutions to individual requirements and guaranteeing execution in real time. It addresses the shortcomings of traditional document-handling systems with strong security measures, offering a lasting solution for efficiency and seamless communication.
Cutting-edge technologies,Ensemble methods,Advanced datasets Self-learning models, Accuracy.
BLOCKCHAIN BASED MINIMIZATION OF CERTIFICATE VERIFICATION COMPLEXITY
Degrees and school records are important proofs of accomplishment, but they are often handled in a way that is inefficient, prone to fraud, and in breach of privacy because it relies on old systems. A certificate management system that uses Hyperledger Fabric and the Interplanetary File System (IPFS) and runs on the blockchain is one idea for how to solve these issues. This method makes things easier to find and safer by storing certificates in a way that can't be changed centrally. Cutting-edge cryptographic algorithms are used to make an encrypted certificate over a secure gateway and store it in IPFS. Important metadata, like hash values, are kept on the blockchain. The chain code mechanism speeds up verification, which cuts down on the time needed to handle many documents. With the decentralized storage of IPFS and the clarity of blockchain, the solution makes updating certificate management safe, reliable, and quick.
Blockchain, Certificate Verification, Verification Complexity, Decentralized System, Smart Contracts, Data Integrity, Trustless Validation, Secure Authentication
DRUG INVENTORY AND SUPPLY CHAIN TRACKING SYSTEM
The Drug Inventory and Supply Chain Tracking System (DISCT) is a cutting-edge system that was developed to enhance the efficiency and tracking of pharmaceutical goods throughout their production and distribution processes. At each point in the supply chain, DISCT ensures precise documentation by integrating state-of-the-art technology such as barcode scanning, real-time data collection, and monitoring. This ensures that everything is clearly visible from start to finish. While maintaining accountability and addressing critical issues like preventing stockouts and decreasing the dangers of counterfeit pharmaceuticals, it retains detailed records of pharmaceutical amounts, expiration dates, and transit information. The system's automated notifications help stakeholders stay informed about potential issues, such as low stock or unusual shipments, which promotes a dependable and timely procedure. It is an essential tool in modern healthcare logistics due to its intuitive design that allows healthcare providers, hospitals, and distributors to simplify inventory management, meet regulatory standards, and ensure patient safety
Drug Inventory Management, Real-time Tracking Stock Monitoring
EXPLAINABLE AI FOR FAIR AND ACCOUNTABLE LOAN APPROVALS
Improvements in computing power and optimization algorithms have revolutionized sectors like lending, hastening the use of AI-driven automated decision-making. Machine learning (ML) applications automate crucial choices like loan approvals; nonetheless, consumers often lack faith in these systems due to the models' complexity and opaqueness. This work presents an explainable AI system for loan underwriting based on the belief-rule-base (BRB) paradigm to address this issue. Incorporating heuristic and factual concepts into a hierarchical framework, this method integrates supervised learning with human expertise. It not only finds a happy medium between precision and clarity, but it also gives reasons (in writing) for decisions (like a loan denial). This paper uses a mortgage underwriting business case to show how the BRB system makes decision-making more transparent, intelligible, and trustworthy by drawing attention to the role of antecedent attributes and active rules.
Explainable AI, Fairness, Accountability, Loan Approval, Transparency, Bias Mitigation, Model Interpretability, Ethical AI
EFFICIENT BI-DIRECTIONAL DC/DC CONVERTER WITH MAXIMUM POWER POINT TRACKING IN PV APPLICATIONS
This research introduces a non-isolated, efficient bi-directional DC/DC converter (NIMBC) that is optimized for a photovoltaic (PV) power system. It will enhance the efficiency of battery charging and discharging. In order to mitigate switching losses, suppress overvoltage, and optimize energy efficiency, the system implements state-of-the-art circuit technologies, including an RCD snubber circuit and a soft-switching (SS) circuit with zero-current switching (ZCS). A combination of the RCD snubber's capacity to maintain stable performance during turn-off phases and the SS circuit's capacity to reduce heat generation and energy dissipation during switch operation results in improved reliability. The converter also integrates a sophisticated Maximum Power Point Tracking (MPPT) technology that surpasses conventional methods such as Incremental Conductance (IC) and Radial Basis Function Network (RBFN) by effectively adapting to fluctuating solar conditions. This innovative method results in optimal energy extraction, reduced Total Harmonic Distortion (THD), and guaranteed exceptional power quality. The system has been validated through PSIM and MATLAB/Simulink simulations to address critical PV concerns, optimize energy flow, and reduce power losses, making it a dependable and efficient solution for the constantly evolving renewable energy industry.
MPPT, Non-Isolated DC-DC, Snubber Circuit, PV, Renewable Energy, Street Light
TRANSFORMING OFFICE ENVIRONMENTS WITH IOT-BASED AUTOMATION TECHNOLOGIES
In this article, we will investigate a system that is both cost-effective and adaptable for the purpose of monitoring and managing office spaces. It allows for remote device access and control through an IP-connected micro-web server that is integrated into the NODE MCU microprocessor. The system's innovative communication protocol eliminates the necessity for a specialized server PC for environmental regulation and monitoring, making it a distinctive feature. The configuration simplifies device management by enabling Bluetooth-enabled mobile apps and internet access. The practical application ofmotion, temperature, and gas sensors, as well as power outlets, demonstrates the system's real-time adaptability andfunctionality for home and office automation.
Node MCU, Blink Android app, WiFi, Relay