Background: The tremendous growth in internet and mobile phone usage in India, coupled with the impact of demonetization and digitalization, has resulted in exponential growth in the use of digital payment platforms and their adoption for bill payments. However, it remains a matter of concern that the educated working class, with regular income and high technological exposure, is still reluctant to embrace digital payment services for utility bills. Objectives: This study attempts to assess the 'behavioural intention to use' digital services for utility bill payments among salaried employees, based on their attitude towards the technology-enabled payment system. Methodology: Purposive sampling was employed in this study, with a specific focus on the salaried class. The approach involved selecting individuals employed in either private or government institutions who have access to technology. Data were collected from a sample of 300 respondents residing in India especially Kerala, the most literate state.

The study aims to predict entrepreneurial attitude by examining the effect of entrepreneurial traits like Internal locus of control, Innovativeness and Risk-taking propensity on the Entrepreneurial attitude among the university students in National Capital Region (NCR) of India. Further, the resultant relationships were tested across gender and undergraduate and postgraduate students using Multi group analysis. The primary data was collected through online questionnaire from 371 students and was analyzed using Partial Least SquareStructural Equation Modeling (PLS-SEM) in SmartPLS. The findings confirmed the positive direct significant effect of innovativeness and Internal locus of control on entrepreneurship attitudes except for risktaking propensity among university students in the NCR (India). Keywords: Entrepreneurial attitude; entrepreneur traits; Risk-taking Propensity; Innovativeness; Internal locus of control; Partial Least Square-Structural Equation Modeling (PLS-SEM).

The monetary policy of a country is a tool to manage economic fluctuations and target price stability. Central banks use monetary policy by adjusting the money supply through buying and selling of securities in the open market. It affects the interest rates, inflation rate and economic activity. These fluctuations affect many economic variables such as exchange rates which in turn, affects international trade. This study is an attempt to analyze the impact of fluctuations in monetary indicators on real effective exchange rate (REER) in India using ARDL approach. The independent variables used in the study are money supply, real gross domestic product, interest rate and inflation rate for the period from 1991 to 2021. The study revealed that all the independent variables are significantly affecting the real effective exchange rate in the long run. The error correction term is found to be negative and significant which indicates that the speed of adjustment towards the equilibrium. The model has passed all the diagnostic tests and stability tests. Granger causality tests also confirms short run causality between the monetary indicators and real effective exchange rate.

The intricate dynamics of leadership and personal competence in organizational settings have increasingly highlighted the significance of emotive intelligence and relational abilities. This paper presents a comprehensive investigation into how these elements interact to shape effective leadership and enhance personal abilities. The research is driven by two primary objectives: to scrutinize the part of emotive intelligence in guidance efficiency and to explore the influence of interpersonal skills on personal competence. The study commences with a background exploration into the evolving recognition of emotive intelligence in the realm of leadership. Concurrently, the paper examines interpersonal skills, which include communication, conflict resolution, and relationship building, as vital components of personal competence. Addressing a noticeable gap in existing literature, the research employs a mixed-methods approach. Quantitative data is garnered through surveys targeting a diverse range of organizational leaders and employees, while qualitative insights are drawn from in-depth interviews. Methodology allows for a nuanced understanding of the interplay between emotive intelligence, interpersonal skills, and their cumulative impact on leadership and personal development.

In the paper, the main theoretical and methodological aspects of strategic management of the enterprises' competitiveness in the context of innovative development and digitalization are researched. The author's own definition of strategic management of the enterprises' competitiveness in the context of digitalization is proposed. It is proved that accumulation of innovative digital resource is the main task by managing the enterprises' competitiveness. The key aspects by developing strategic decisions are analyzed. The main components of strategic competitiveness management in the context of digitalization are explored. A methodology for the competitiveness assessment based on the study of interaction of strategic positioning indicators, operational efficiency and the level of financial status are proposed. A system of measures on strategic management has been developed, consisting of separate blocks, each of which has its own functional purpose in managing the enterprises' competitiveness in the context of digitalization.

Integration of national economies caused by globalisation currently has new development paradigms. The presented study is aimed at testing the paradigm of increasing the influence of digitalization within the framework of cooperation of national economies. Since the governments of many countries declare the transition from an industrial economy to a digital one, a mechanism is needed to ensure this transition both in the national economy and international economic relations. The study was conducted using data provided by European governments to Eurostat. The study is based on the methodology of analyzing statistical information by grouping in the case of the average percentage of the information and communication technology sector from the gross surplus value and determining the correlation, and by forming regression equations in the case of studying the impact on the gross domestic product of various areas of enterprise cooperation within the framework of the integration of national economies. According to the results of the study, it was found that an increase in the percentage of the information and communication technology sector in the gross surplus value does not affect the gross domestic product per capita, which means the possibility of continuing the development of the information and communication sector without a negative impact on the domestic economies of countries.

This study critically evaluates the impact of sustainable development initiatives on Ukraine's socio-economic trajectory, emphasising the interplay between economic growth, environmental sustainability, social inclusion, and institutional risks. Employing a case study approach and DeGroot's social learning process, the research identifies substantial progress, including a 15% reduction in carbon emissions and an 11% increase in renewable energy adoption. However, systemic barriers such as corruption, policy instability, and inadequate funding impede broader implementation and stakeholder alignment. The findings are further contextualised within the ongoing Russian aggression and its profound economic and environmental consequences, including significant infrastructure damage, displacement of populations, and resource diversion from sustainability projects to immediate defence needs. The war has amplified institutional vulnerabilities and disrupted progress in key sectors while creating opportunities for international collaboration and rebuilding with sustainability in focus.

Trust is a cornerstone of effective human-AI collaboration, particularly in an era of rapid digitalization where AI systems are increasingly integrated into decision-making processes across various sectors. This study investigates the critical factors influencing trust namely Transparency, Interpretability, and Satisfaction, and their sector-specific dynamics in healthcare, finance, and customer service. Utilizing a cross-sectional survey of 500 participants and stratified sampling, the research highlights pivotal role of transparency and interpretability in fostering trust, particularly in high-stakes sectors such as healthcare and finance. Transparency (β = 0.512, p < 0.001) and interpretability (β = 0.602, p < 0.001) significantly enhance trust, with stronger effects observed in healthcare (𝑅2 = 0.494) and finance (𝑅2 = 0.511) compared to customer service (𝑅2= 0.374). Satisfaction had been emerged as a crucial mediating variable that amplifies the relationship between transparency and trust.

This study investigates reactions, resilience, and revival strategies of key sectors of India, such as healthcare, real estate, banking and finance, e-commerce, and aviation, in the post-COVID-19 pandemic. To analyze how well these sectors adopted and revived, a mixed-method approach was applied, including qualitative and quantitative methods, such as conducting interviews with key stakeholders, surveys, analyzing financial data, and conducting policy formulation analysis and discourse on media reports. It was found that various sectors adopted various degrees of reactions, resilience, and revival strategies. It was noted that government loan repayment moratoriums and stamp duty reductions helped the real estate sector. In contrast, the healthcare sector has shown resilience by implementing flexible laws and digitalization, and banking was stabilized through the decrease in repo rates and the implementation of long-term repo operations. The findings primarily focused on the crucial role of public policy interventions by the government, innovative corporate practices, and transparent financial reporting in reviving India's economy. They highlighted the importance of digital technology, financial institutions, and long-term recovery strategies in making economies more resilient and ready to deal with future crises. The study will enable policymakers, corporate leaders, academicians, and researchers to design resilience and revival strategies to address the crisis in the future.

Stock market acts as a key component of an economy by promoting capital creation, improves liquidity by bringing investments to the nation. It promotes economic growth, industrial development and employment. Saudi stock market known as Tadawul plays a significant role in shaping nations development and long term plans while it is also crucial for financial dynamics natively and worldwide. This paper aims to investigate the stock market volatility by applying GARCH and EGARCH models using Tadawul All Share daily price index data taken from 3 July2010 to 19 August2024.The ARCH parameter is significant in descriptive statistics which indicates the presence of heteroskedasticity in squared residuals demonstrating the need of applying GARCH model. Moreover, ARCH and GARCH terms are statistically significant in both models of study. While positive leverage value presence also suggests that, due to existence of asymmetric behavior the negative shocks in markets entail a higher impact than positive shocks in upcoming time period.

Working women encounter many difficulties in their daily lives which are exacerbated due to a lack of support from their family members. In addition, working women who are married also face challenges in their homes, marriages, and child care. They manage the evolving routines of family members and struggle to find sufficient time for their own wellbeing. Keeping these in mind, the current investigation was conducted facilitating systematic measurement and comparison of the associations between stress and mental health among both employed and unemployed women. For this, purpose 75 working women and 75nonworking women of Bihar were selected and they were administered Mental Health Questionnaire(MHQ) and the Perceived Stress Scale (PSS). The data were analyzed using the t-test and product-moment correlation (r). It was found that there was a substantial difference seen in the mean mental health ratings of working and non-working women. A significant positive relationship between mental health and stress of working women was obtained. A significant positive relationship between mental health and stress of non-working women was work out.The goal of the study is to increase the awareness of working women about the many types of stressors and coping mechanisms that can help them better manage their stress and deal with mental health issues.

Purpose: With an increase in updated technologies use of Fintech services have also been increased. Intention to use of Fintech services largely depend upon attitude of individuals towards adoption of these services. Drawing upon the Technology Innovation Model (TAM) theory this paper observes different factors associated with customer's attitude towards acceptance of fintech facilities provided by banks that in turn affect intent about usage of these services. The features like Supposed Utility, Apparent Comfort for Usage, Supposed Peril, Trust Factor, Administration Sustenance, Consumer Innovativeness, Attitudes in the direction of Acceptance, Intent in the direction of Adoption are used in this study.