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Research Paper

Online Banking Services and Customer Retention in India

The rapid advancement of digital technology has transformed the banking sector across the globe. In India, online banking services have become an integral part of financial transactions, enabling customers to access banking facilities conveniently and efficiently. The growth of internet penetration, smartphone usage, and digital payment systems has significantly contributed to the expansion of online banking. This study examines the relationship between online banking services and customer retention in India. It highlights the role of service quality, customer satisfaction, security, trust, and technological innovation in retaining banking customers. The paper also discusses the challenges faced by banks in maintaining customer loyalty in an increasingly competitive digital environment. The study concludes that effective online banking services enhance customer retention by improving convenience, reliability, and overall customer experience.

Published by: Dr. V. Velvizhi

Author: Dr. V. Velvizhi

Paper ID: V12I3-1158

Paper Status: published

Published: May 13, 2026

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Research Paper

Digitalization of Payments and GDP- A Global Perspective

This paper focuses on the growing importance of digital payment systems in facilitating the evolution of contemporary economies through increased efficiency and transparency in transactions as well as greater financial inclusiveness. Moreover, the comparison of the adoption and consequences of digital payments in advanced economies and EMDEs is analyzed. The development of technologies such as artificial intelligence and the Internet of Things contributes to increased efficiency, reliability, and safety of payments while posing threats that must be addressed. The paper considers the economic implications of digital payment systems, paying particular attention to their development in EMDEs, where the use of digital payments has been growing rapidly since 2014. In EMDEs, the percentage of adults using digital payments grew dramatically from 2014 to 2021. This paper considers the link between digital payment adoption and economic development by analyzing GDP per capita, total factor productivity, and employment in the informal economy. The paper also considers the role of central banks in fostering digital financial systems by providing efficient payment infrastructure and inclusive monetary policies. Overall, the study investigates whether digital payments have supported financial inclusion, economic modernization, and sustainable economic growth.

Published by: Rishaan Lulla

Author: Rishaan Lulla

Paper ID: V12I3-1161

Paper Status: published

Published: May 13, 2026

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Review Paper

An IoT–AR Framework for Enhancing Interoperability for People with Disabilities

Advanced technologies continue to accelerate, particularly in the fields of the Internet of Things (IoT) and Augmented Reality (AR), which have demonstrated significant potential in assistive technologies. Globally, approximately 15% of the population lives with some form of disability, highlighting the urgent need for intelligent and accessible solutions. In Saudi Arabia, recent statistical reports indicate that 5.9% of Saudi citizens experience at least one mild physical difficulty, while 1.8% of the total population lives with at least one disability, with mobility and visual impairments among the most prevalent categories. To better understand real-world challenges, in 2024, an interview was conducted with a PhD holder with visual impairment, focusing on daily mobility challenges, current assistive technologies, and desired improvements. The findings revealed critical limitations in accuracy, response time, usability, and system integration. This paper analyzes existing AR–IoT assistive solutions and identifies key challenges, particularly latency, accuracy, and interoperability between heterogeneous devices and platforms. Current systems often require multiple software applications and hardware components, increasing complexity and cost. Therefore, this research proposes enhancing interoperability between AR and IoT technologies through a unified compatibility framework aimed at reducing system complexity, improving efficiency, and increasing accessibility for individuals with disabilities.

Published by: Abdulmalek ALdossery

Author: Abdulmalek ALdossery

Paper ID: V12I3-1155

Paper Status: published

Published: May 11, 2026

Full Details
Research Paper

Online Banking Services and Customer Retention in India

The rapid advancement of digital technology has transformed the banking sector across the globe. In India, online banking services have become an integral part of financial transactions, enabling customers to access banking facilities conveniently and efficiently. The growth of internet penetration, smartphone usage, and digital payment systems has significantly contributed to the expansion of online banking. This study examines the relationship between online banking services and customer retention in India. It highlights the role of service quality, customer satisfaction, security, trust, and technological innovation in retaining banking customers. The paper also discusses the challenges faced by banks in maintaining customer loyalty in an increasingly competitive digital environment. The study concludes that effective online banking services enhance customer retention by improving convenience, reliability, and overall customer experience.

Published by: Dr. V. Velvizhi

Author: Dr. V. Velvizhi

Paper ID: V12I3-1152

Paper Status: published

Published: May 11, 2026

Full Details
Research Paper

Udaan Path – Data visualization and Interest Prediction with AI integration

Traditional student evaluation systems primarily focus on academic performance and often overlook individual interests, co-curricular involvement, and overall development. This paper presents UdaanPath, a Django-based educational data-driven web platform that uses the academic and non-academic performance data of students to make predictive calculations and provide career guidance for them using AI. We aim to give teachers and parents a tool that helps them to determine the best possible insights for a child. We implement the built-in administration panel of Django, which gives a dynamic manager tool to the school admin for administrative processes. We develop features like a personalised student dashboard, an AI-generated study plan for each student, a parent portal and career path suggestions in the project presented in this paper.

Published by: Shreyash Shastrakar, Suvidha Gurnule, Suraj Naranje, Sakshi Bongirwar, Vansh Waghmare, Sushil Borkar, Prathamesh Wankhede, Dr. Ajay Jaiswal, Sachin Verma

Author: Shreyash Shastrakar

Paper ID: V12I3-1147

Paper Status: published

Published: May 11, 2026

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Research Paper

CentralResume: A Unified Protocol for Structured Resume Management and Interoperable Job Profile Sharing

Creating and maintaining job profiles across multiple recruitment platforms is a redundant process. Users are often required to manually enter the same information repeatedly on those platforms, which makes it difficult to update the information later, increasing the risk of inconsistent data. Additionally, job seekers frequently maintain multiple versions of resumes tailored for different roles or industries, where only a subset of the information differs. Managing these variations manually reduces maintainability and scattered files and information. Moreover, parsing resume PDFs is inherently unreliable due to formatting variations and the lack of a standardized structure. This paper proposes a standardized protocol for maintaining a centralized repository of structured resumes that solves all the mentioned problems. The system allows users to store their professional information in a single authoritative location while enabling multiple variants of resumes tailored to specific roles or contexts using tags with minimal effort. To support interoperability across recruitment platforms and to minimize parsing issues, we introduce a standardized JSON-based schema for representing resume data, along with a sharing protocol powered by OAuth that allows recruiters and job portals to access resume information in a structured way. By eliminating the need for repeated manual data entry and unreliable document parsing, the proposed approach improves data consistency, simplifies resume management, and enables seamless integration between job seekers and recruitment platforms. It saves time by making resume sharing as easy as logging in with Google.

Published by: Anish Araz, Piyush Raj, Niraj Shah Rauniyar, Dr. Gowthul Alam M M

Author: Anish Araz

Paper ID: V12I3-1151

Paper Status: published

Published: May 11, 2026

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