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Unveiling the patterns of Fintech Services Adoption: A Study in the Rural Area of Tirupati 揭示金融科技服务的采用模式:蒂鲁帕蒂农村地区研究
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.998
T. D. Prasad, Dr. L. Kuladeep Kumar
Purpose: The research aim is disruptive innovation within financial technology (FinTech), the research paper delves into its impact on various financial services such as payments, investment, insurance, and banking. The study aim is to understand the current landscape of FinTech adoption in India and to uncover the perceptions held by individuals towards FinTech, ultimately striving to enhance the FinTech space for future improvements.  Methodology: The research, "Unveiling the Patterns of FinTech Services Adoption through questionnaire surveys. The research paper engaged with participants from rural areas, particularly Tirupati, to empower them in managing financial services effectively through FinTech solutions. Over a period of six months, the individuals in Tirupati and received responses from 217 participants. The sampling method employed was judgmental, focusing on users across various FinTech platforms. The data collection utilized quantitative research methods, employing tools such as simple percentage analysis, Chi-square, T-tests, and ANOVA. Results: The research paper findings shed light on the awareness and adoption levels of various FinTech products among Tirupati respondents. It became evident that FinTech services have been enabled by technological infrastructure, including internet connectivity and smartphone penetration. Furthermore, the adoption of FinTech and financial inclusion initiatives have been supported by favorable government policies and regulatory environments. Through this empirical analysis, we unearthed several key factors influencing FinTech adoption and perception among individuals.
目的:研究目标是金融科技(FinTech)的颠覆性创新,研究论文深入探讨了金融科技对支付、投资、保险和银行等各种金融服务的影响。研究目的是了解印度目前采用金融科技的情况,揭示个人对金融科技的看法,最终努力提升金融科技空间,促进未来发展。 研究方法:这项研究名为 "通过问卷调查揭示金融科技服务的采用模式"。研究论文与来自农村地区(尤其是蒂鲁帕蒂)的参与者进行了接触,以增强他们通过金融科技解决方案有效管理金融服务的能力。在六个月的时间里,蒂鲁帕蒂的个人收到了 217 位参与者的回复。采用的抽样方法是判断性的,重点关注各种金融科技平台的用户。数据收集采用了定量研究方法,使用了简单百分比分析、卡方检验、T 检验和方差分析等工具。研究结果研究论文的结论揭示了蒂鲁帕蒂受访者对各种金融科技产品的认知和采用水平。很明显,金融科技服务得益于技术基础设施,包括互联网连接和智能手机的普及。此外,有利的政府政策和监管环境也为采用金融科技和金融普惠举措提供了支持。通过实证分析,我们发现了影响个人采用和认知金融科技的几个关键因素。
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引用次数: 0
Flexibility for Creativity and Creativity in Sustainable Business 以灵活性促进可持续企业的创造性和创造力
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.1002
L.V.V.Nagaraju, Dr. S. Shyam Sundar
Today in volatile business environment the demand for creativity and Creativity has increasingly become more important to survive, complete and win business battle this research paper explores the role of flexibility in desirableconductive environment to which promotes creative thinking and innovative breakthroughs within the research. The conceptual frame work of creativity andCreativity, highlighting the concepts and their importance in advancing scientific Knowledge, the paper tells us about the ,new and uniqueideas and transform those ideas into tangible business outcomes. The paper elucidates the concept of flexibilityin research presenting i.e., flexible ideas andunique adjustment that encourages in risk taking, the study also undergoes the positive impactof diverse perspectives, interdisciplinary team works and predefined baselinemetrics. The challenges posed by traditional research methods, set of ideas; value the limitations theyforce on the exploration of unconventional ideas. By studying the case studies and also the real-world situations of it provides now the rigid structures can prevent the flow of creative thinkingand makes it difficult in the emergence of new ideas.
如今,在动荡的商业环境中,对创造力和创造力的需求日益成为生存、完成和赢得商业战役的重要条件,本研究论文探讨了灵活性在理想的引导环境中的作用,从而在研究范围内促进创造性思维和创新性突破。本文阐述了创造性和创造力的概念框架,强调了这些概念及其在推动科学知识发展方面的重要性,并介绍了新颖独特的想法,以及将这些想法转化为实际业务成果的方法。论文阐释了研究中的灵活性概念,即鼓励冒险的灵活想法和独特调整,研究还探讨了多元化视角、跨学科团队工作和预定义基准指标的积极影响。传统研究方法所带来的挑战、一系列想法;它们对探索非传统想法的限制。通过研究案例和现实世界的情况,我们发现僵化的结构会阻碍创造性思维的流动,使新想法难以出现。
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引用次数: 0
Integrating Energy Storage Technologies with Solar Cells for Enhanced Sustainability 将储能技术与太阳能电池相结合,增强可持续性
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.1034
Alaa H. Kamil, Maya'da, J. Al-sharaa, Khamael İbrahim, Abdul wahid
This research explores the integration of energy storage technologies with solar cells to enhance sustainability. Specifically, it investigates the impact of charging and discharging patterns on the capacities of batteries used in solar applications. The study highlights that operating conditions significantly influence battery performance, underscoring the importance of adhering to recommended charge-discharge rhythms. Proper maintenance of equipment and batteries is crucial for maximizing their lifespan and ensuring optimal performance. VRLA (Valve-Regulated Lead-Acid) batteries are identified as a favorable option due to their longer cycle life and lower maintenance requirements, which are particularly advantageous in regions where maintenance might be challenging. However, following standard maintenance procedures remains essential to prolong battery life effectively. Key battery characteristics, including capacity, efficiency, cost, and environmental considerations, play vital roles in determining their suitability for solar power applications. While VRLA batteries are generally more expensive than flooded lead-acid batteries, they offer significant technical advantages. Temperature is identified as a critical factor influencing battery life, with higher temperatures accelerating the degradation process and shortening lifespan. Additionally, self-discharge data and conductance testing are valuable for assessing battery health and performance. Conductance testing, in particular, provides a rapid and reliable method to evaluate battery capacity and health, which is especially useful in large-scale evaluations or inspections where load testing might be impractical. Overall, this research contributes to a better understanding of how to optimally integrate energy storage technologies with solar cells, thereby facilitating the development of sustainable energy systems characterized by enhanced reliability and efficiency. By focusing on the detailed study of battery characteristics and the importance of maintenance, the findings aim to support the improvement of solar power applications, ensuring their viability and effectiveness in the long term.
这项研究探讨了如何将储能技术与太阳能电池相结合,以提高可持续性。具体来说,它研究了充电和放电模式对太阳能应用中所用电池容量的影响。研究强调,操作条件对电池性能有重大影响,并强调了遵守建议的充放电节奏的重要性。设备和蓄电池的适当维护对于最大限度地延长其使用寿命和确保最佳性能至关重要。VRLA(阀控式铅酸蓄电池)因其循环寿命长、维护要求低而被认为是一种有利的选择,这在维护可能具有挑战性的地区尤为有利。不过,要有效延长电池寿命,遵循标准维护程序仍然至关重要。蓄电池的主要特性,包括容量、效率、成本和环境因素,在决定其是否适合太阳能应用方面起着至关重要的作用。虽然 VRLA 蓄电池通常比淹没式铅酸蓄电池昂贵,但它们具有显著的技术优势。温度被认为是影响电池寿命的关键因素,温度越高,降解过程越快,寿命越短。此外,自放电数据和电导测试对于评估电池的健康状况和性能也很有价值。尤其是电导测试,它为评估电池容量和健康状况提供了一种快速可靠的方法,尤其适用于大规模评估或检查,因为负载测试可能不切实际。总之,这项研究有助于更好地理解如何将储能技术与太阳能电池进行最佳集成,从而促进开发具有更高可靠性和效率的可持续能源系统。通过对电池特性和维护重要性的详细研究,研究结果旨在支持太阳能发电应用的改进,确保其长期可行性和有效性。
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引用次数: 0
Inconspicuous Discovery of Coronavirus Infected People Based SATL of Star Graphs 基于星形图 SATL 的冠状病毒感染者的不显性发现
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.1007
V. Sudhakar, G. Maheswari, S. Obaiys, S. M. Prabhu, P. Chellamani, V. Balaji
Though the pandemic has created many discrepancies and cos-ted many lives in Malaysia, it has in one way cemented the breached relationships, while the rapid development of science and technology met new horizons, humans were actually developing an island of a void. But this pandemic has made humans stop and think about bridging the gaps which are the side effects of globalization.The new normal condition which keeps the most civilized race indoors, also deliberates the necessity of being human and sharing humanity. Thanks to the same scientific and technological developments a new return to nature has happened, and social distancing takes a new turn of meeting nears and dears virtually. This work analyzes the data of covid-19 affected people in a particular place through graph labeling that labels the vertices with edges via SATL graph labeling techniques. Such labeling supports the search of how many neighbours are affected covid-19 in priority order.
虽然这场大流行病在马来西亚造成了许多差异,夺去了许多人的生命,但它在某种程度上巩固了被破坏的人际关系,当科学技术的飞速发展满足了新的视野时,人类实际上是在发展一座空岛。新常态让最文明的民族噤若寒蝉,也让我们思考做人和分享人性的必要性。由于科学技术的发展,人们开始重新回归自然,社会距离也出现了新的变化,人们可以通过虚拟的方式与亲朋好友见面。这项工作通过 SATL 图标注技术对顶点和边进行标注,从而通过图标注分析特定地方受 covid-19 影响人群的数据。这种标签支持按优先顺序搜索有多少邻居受到了 covid-19 的影响。
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引用次数: 0
Detecting Vulnerabilities Through the Examination of Software in Cloud using Machine Learning Techniques 利用机器学习技术通过检查云软件检测漏洞
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.997
G. P. C. V. Krishna, Vivekananda Reddy
This research proposes a vulnerability prediction approach that analyzes functions/methods/classes in software systems using static analysis and machine learning models. The proposed approach outperformed other vulnerability prediction approaches in publicly available datasets, providing valuable insights to prioritize vulnerability remediation efforts. This approach has the potential to improve software security and help software development teams develop more secure software systems.
本研究提出了一种利用静态分析和机器学习模型分析软件系统中的函数/方法/类的漏洞预测方法。所提出的方法在公开数据集中的表现优于其他漏洞预测方法,为确定漏洞修复工作的优先次序提供了宝贵的见解。这种方法有望提高软件安全性,帮助软件开发团队开发出更安全的软件系统。
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引用次数: 0
Optimizing Weight Functions for Enhanced Image Segmentation Using Normalized Cut 利用归一化切分优化权重函数以增强图像分割能力
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.1015
S. Abinash, S. Pattnaik
Effective image segmentation remains a fundamental challenge in computer vision, with the Normalized Cut (Ncut) method emerging as a powerful technique for partitioning images into meaningful segments. The efficacy of Ncut largely depends on the choice of the weight function, which quantifies the similarity between image elements, be the pixels or predefined regions. This paper presents a novel framework to optimize the weight functions for Ncut in the context of image segmentation, aiming to bridge the gap between theoretical robustness and practical applicability. We first discussed the theoretical aspects of Ncut, emphasizing the role of weight functions in achieving segmentation that is both globally and locally suitable. Subsequently, we analyze the frameworks for the systematic selection of weight functions, effective to different image characteristics such as texture, color, and spatial relationships. Our methodology combining color spaces analysis, texture descriptors, and edge information. Through several experimentations on Corel and Berkley image segmentation datasets, including natural scenes and images, we demonstrate the comparisons of the weight functions over conventional methods in terms of segmentation quality and evaluated with standard algorithms like Otsu thresholding and C-means clustering algorithm. Three validity indices have been used to quantify the results and observe the superiority of the proposed model. This work not only advances the understanding of weight function optimization in Ncut-based image segmentation but also offers a practical guide for researchers and practitioners in computer vision.
有效的图像分割仍然是计算机视觉领域的一项基本挑战,归一化切分(Ncut)方法是将图像分割成有意义的片段的一种强大技术。Ncut 的功效在很大程度上取决于权重函数的选择,权重函数量化了图像元素(无论是像素还是预定义区域)之间的相似性。本文提出了一个在图像分割中优化 Ncut 权重函数的新框架,旨在弥合理论鲁棒性和实际应用性之间的差距。我们首先讨论了 Ncut 的理论方面,强调了权重函数在实现既适合全局又适合局部的分割中的作用。随后,我们分析了系统选择权重函数的框架,这些框架对不同的图像特征(如纹理、颜色和空间关系)有效。我们的方法结合了色彩空间分析、纹理描述符和边缘信息。通过对 Corel 和 Berkley 图像分割数据集(包括自然场景和图像)的多次实验,我们展示了权重函数在分割质量方面与传统方法的比较,并与大津阈值法和 C-means 聚类算法等标准算法进行了评估。我们使用了三个有效性指数来量化结果,并观察到了所建议模型的优越性。这项工作不仅加深了人们对基于 Ncut 的图像分割中权重函数优化的理解,还为计算机视觉领域的研究人员和从业人员提供了实用指南。
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引用次数: 0
Priority of Low-Income Consumer Behaviour in Visiting Market Places 低收入消费者逛市场行为的优先性
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.996
Dr. K. Abraham, Dr. Ch. Venkata, Krishna Reddy, Dr. K. Kalyan Chakravarthy, Dr.Devendra Malapati, Dr M Rama Naik, Dr. S. Shyam Sundar
Need of the study: The competition among the marketers is at cutthroat type so, the marketers have to search for new avenues or the new segments for selling their goods and services. The present study will pave the way to the marketers and producers to reach the markets where the low-income consumers are available to purchase the goods and services at their potentiality. Objectives: To find the market places being visited by the low-income consumers. To know the level of consumption expenditure of low-income consumer in a particular market place. To find the market place where the low-income consumer is spending much. Irrespective of their income level, most of the respondents from low-income consumers preferred ‘public distribution shops’ for food provisions whatever was available there.  Secondly, they preferred to visit ‘retail shops’, ‘towns’, and ‘district head quarters’ were cited as the third’, ‘vendors’ as the fourth, and lastly ‘other sources’ as their preferred market places, from where they buy their products and services. (Table no: 3). There is relation between literacy level and visiting market place for purchasing goods and services. To say clearly based on their literacy level the low-income consumers market place priority is changing. Based on post hoc test it is found that there exists some similarity in the consumption expenditure of retail shops and district headquarters. But not in the case of public distribution shops. (Table no: 9). Under the keen competition it is suggested to the marketers to provide the necessary goods at Public Distribution Shops to reach the market which they have never met so far.
研究的必要性营销人员之间的竞争是残酷的,因此,营销人员必须寻找新的途径或新的细分市场来销售他们的商品和服务。本研究将为营销人员和生产者进入低收入消费者市场铺平道路,使他们能够购买到具有潜力的商品和服务。研究目标 找到低收入消费者经常光顾的市场。了解低收入消费者在特定市场的消费支出水平。找到低收入消费者消费较多的市场。 无论其收入水平如何,大多数低收入消费者首选 "公共配送店 "购买食品。 其次是 "零售店",第三是 "城镇 "和 "地区总部",第四是 "商贩",最后是 "其他来源"。(表 3)。识字水平与到市场购买商品和服务之间存在关系。可以明确地说,根据文化水平的不同,低收入消费者优先考虑的市场地点也在发生变化。事后检验发现,零售商店和地区总部的消费支出存在一定的相似性。但公共配送商店的情况则不同。(表 9)。在激烈的竞争中,建议营销人员在公共配送店提供必要的商品,以打入他们从未接触过的市场。
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引用次数: 0
The Structure of Generalized Cayley Graph When (Cay(G,S) = P_2)  X (P_2) and (P_2) X (C_3) 当 Cay(G,S) = P_2 时的广义 Cayley 图结构 X (P_2)和 (P_2) X (C_3)
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.1013
A. A. Neamah
This work aims to present the generalized Cayley graph and identify its structure in a few specific scenarios. Assume that Ψ is a finite-group and that S is a non-empty subset of Ψ.e ∉ S and S^-1<=S. As a result, the vertices of the Cayley graph Cay (Ψ,S) are all members of Ψ, and two nearby vertices, x and y, are only adjacent if xy^−1 ∈S. The given generalized Cayley graph is defined as (Cay_m(G,S)) This is a graph whose vertex set is made up of every column matrix (X_m) It has two vertices and all of its components in Ψ. (X_m) and (Y_m) are adjacent ↔ (X_m[(Y_m)^-1]^t ∈) M(S), where (Y_m^-1) is a column matrix in which ∀ entry correlates to an associated element's inverse. Y-m and M(S) is a m×m matrix where every entry is in S ,[y^-1]^i is the opposite of y^-1 andM>=1 . In this study, we assign the structure of the new graph and highlight some of its fundamental aspects (Cay_m(G,S))  when (Cay(G,S)) is the (P_2) X (P_2) and (P_2) X (C_2).
本研究旨在介绍广义 Cayley 图,并确定其在一些特定情况下的结构。假设Ψ是有限群,S是Ψ的非空子集。在本研究中,我们将给出新图的结构,并强调它的一些基本方面:当 (Cay_m(G,S)) 是 (P_2) X (P_2) 和 (P_2) X (C_2) 时, (Cay_m(G,S) 是 (P_2) X (P_2) 和 (P_2) X (C_2).
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引用次数: 0
A Comparison of Proposed Ranking Method for Fuzzy Transportation Problem with the Existing Method 模糊交通问题拟议排序方法与现有方法的比较
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.1038
E. Fany, D. Stephen Dinagar, T.B.M.L. College
In this paper, we proposed two ranking methods to solve the transportation problems. Here we introduced new methods for problem solving. In this article, we proposed two ranking functions called ῡ_μ (Value Ranking) and Ᾱ_μ(Ambiguity Ranking) to solve the transportation problems. This work's main aim is to compare the suggested ranking function with the existing ranking method (Roubast Ranking). We have compared it with an example and justified it.
在本文中,我们提出了两种解决交通问题的排序方法。在这里,我们介绍了解决问题的新方法。在本文中,我们提出了两个排序函数ῡ_μ(价值排序)和Ᾱ_μ(模糊排序)来解决交通问题。这项工作的主要目的是将建议的排序函数与现有的排序方法(Roubast Ranking)进行比较。我们通过一个实例对其进行了比较,并证明了其合理性。
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引用次数: 0
Exploring the Opportunities of Fintech Services 探索金融科技服务的机遇
Q4 Mathematics Pub Date : 2024-07-17 DOI: 10.52783/cana.v31.1001
Dr. L. Kuladeep Kumar, Dr.J. Katyayani, Dr.D.Venkatesh, Dr.Sreenivasulu Sunkara, Dr Gowthami, Dr.C.Rani
FinTech, an emerging force in the 21st century, uses technology to transform financial services, providing mobile payments, loans, money transfers, and asset management. It has revolutionized business operations through distributed supply chains, outsourced manufacturing, and contract warehousing, optimizing design, production, marketing, delivery, and service functions. Despite challenges in India such as regulatory uncertainty, data privacy concerns, and financial inclusion gaps, FinTech has the potential to become a crucial facilitator for financial services in India, promoting economic growth and financial inclusion through a combination of technological expertise, capital investments, government policies, and regulatory frameworks.
金融科技是 21 世纪的新兴力量,它利用技术改造金融服务,提供移动支付、贷款、转账和资产管理。它通过分布式供应链、外包制造和合同仓储,优化设计、生产、营销、交付和服务功能,彻底改变了企业运营。尽管印度面临监管不确定性、数据隐私问题和金融包容性差距等挑战,但金融科技仍有潜力成为印度金融服务的重要促进因素,通过结合技术专长、资本投资、政府政策和监管框架,促进经济增长和金融包容性。
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引用次数: 0
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Communications on Applied Nonlinear Analysis
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