Volume-12, Issue-3

May-June, 2026

Research Paper

1. MARG: Ikigai-Based Career Guidance System

Career selection has become increasingly complex due to evolving industries and diverse opportunities. Many students face difficulty in identifying suitable career paths that align with their abilities and interests. This paper introduces MARG, a career guidance system that utilizes an Ikigai-based approach to evaluate user profiles across multiple dimensions. The system analyzes interests, skills, personality traits, and external factors to generate meaningful career recommendations. It further provides structured guidance through skill development plans and learning resources. The objective is to support informed decision-making while ensuring long-term satisfaction and adaptability. The proposed approach enhances clarity and enables individuals to explore career paths aligned with both personal goals and practical opportunities

Published by: Tanvi Pankaj Samarth, Rohit A. Parsode, Yashika A. Khandale, Rohan R. Landge, Ritish K. Das, Rohit C. Sakharkar, Vaishali Surjuse, Tejaswini MankarResearch Area: Computer Science & Engineering

Organisation: KDK College of Engineering, MaharashtraKeywords: Career Guidance, Artificial Intelligence, Ikigai Framework, Personalized Recommendation System, Career Decision-Making, Student Development, Skill Mapping, Career Planning, Intelligent Systems, Job Market Analysis.

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Research Paper

2. Nuclear Households, Persistent Values: Urbanisation and Family Change in Contemporary India

This paper examines how urbanisation, economic change, and shifting cultural expectations have reshaped family life in Indian cities across three dimensions: household composition, gender roles, and intergenerational relationships. A structured literature review brings together canonical sociological frameworks, including those of Parsons, Oakley, and Giddens, alongside India-specific scholarship from Uberoi, Gupta, Shah, Desai, Rao, Chakrabarti, Manchanda, and Bhattacharya. Empirical grounding is provided by census data and a 2026 field study of 100 households in Yelahanka, Bangalore. The central finding is that nuclear residential forms have been widely adopted across urban India since 1991, but the obligations and values associated with joint family living have not collapsed alongside them. Women have entered paid employment in considerably larger numbers, yet domestic and caregiving responsibilities have not been redistributed in any proportionate way. Intergenerational financial transfers remain near universal, though physical distance has created measurable social isolation among elderly people in nuclear households. The paper concludes that urban Indian family change is best understood not as modernisation in the Western sociological sense, but as a process of structural adaptation in which residential forms shift while relational premises remain largely intact.

Published by: Abhirath MehtaResearch Area: Sociology

Organisation: Prabhavati Padamashi Soni International Junior College, MaharashtraKeywords: Family Structures, India, Urban.

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Research Paper

3. Can SaMD Enhance Diagnostic Consistency and Turnaround Time in Resource-Constrained Public Healthcare Settings without Hardware Modification?

Long diagnostic turnaround times (TAT), equipment obsolescence, infrastructural inadequacies, and a lack of personnel are some of the ongoing issues facing resource-constrained healthcare systems. By integrating into current digital workflows, Software as a Medical Device (SaMD), especially AI-enabled systems, provides a scalable solution without necessitating changes to the underlying medical hardware. This study investigates whether SaMD may significantly increase turnaround time and diagnostic decision consistency in resource-constrained public healthcare settings. The results indicate that SaMD can greatly improve workflow efficiency and lower inter-operator variability. However, the main implementation obstacles continue to be algorithmic drift, regulatory fragmentation, cybersecurity concerns, and reimbursement constraints. The study concludes that SaMD is a workable, scalable solution for bolstering diagnostic systems in resource-poor areas when implemented through organised regulatory, financial, and cloud-based approaches.

Published by: Safal MuthaResearch Area: Computer Science

Organisation: VIBGYOR High, MaharashtraKeywords: Software as a Medical Device (SaMD), Artificial Intelligence (AI), Diagnostic Decision Consistency, Digital Health Infrastructure, Public Health Technology Integration.

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Research Paper

4. AI Voice Agent-Based Virtual Interview Platform

A full-stack AI mock interview platform using Next.js, Tailwind CSS, Vapi for real-time voice interactions, and Firebase for backend services and authentication. The project guides developers through setting up the Vapi dashboard for AI agent creation and integrating Google Gemini for dynamic, tailored interview question generation based on user input role, level, and tech stack. Key features implemented include authenticating users, generating personalized interview scenarios, initiating real-time voice conversations with the AI agent, and saving transcripts. Additionally, the tutorial covers designing a professional UI to display past interviews and generating detailed feedback based on the conversation transcript. By the end of this comprehensive guide, learners will possess the practical skills to deploy a portfolio-worthy application that leverages real-time AI voice technology. This is a practical, project-based approach designed to help developers level up their skills with real-world scenarios.

Published by: Parth Potbhare, Ayush Nikade, Sahil karnahake, Vaibhav Chinchulkar, Shreyash Janglekar, Sandesh jagtap, Abhishek Nachankar, Neha DhuriyaResearch Area: Artificial Intelligence Engineering

Organisation: Karmaveer Dadasaheb Kannamwar Engineering College, MaharashtraKeywords: Natural Language Processing (NLP), Speech Recognition, Google Gemini API, Automated Feedback System, Real-Time Communication, Interview Preparation, Adaptive Question Generation.

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Research Paper

5. Perceived Parenting Skills Among Parents of Children Undergoing Surgery: A Descriptive Analysis

Abstract: Surgery can be difficult for children and their parents. Effective parenting skills help to reduce the surgery-related discomfort and promote wellness and, consequently, favorable psychosocial surgical experiences for children. Most parents have anxiety before a pediatric surgical procedure. Parental anxiety may impair the parents' ability to cope with new or stressful situations while their children are undergoing surgery. Hence, in this study, the investigator has tried to assess the perceived parenting skills among parents of children undergoing surgery. Methods: This study was conducted using a descriptive correlational design among 100 parents of children undergoing surgery who met the inclusion criteria and were selected using a purposive sampling technique. Tools such as the demographic variable proforma of parents and children, and a rating scale to assess the perceived parenting skills were used. Results: The findings of the study revealed that the mean and standard deviation of the perceived parenting skills (M =32.93 & SD =3.30), indicating that most parents had consistently high levels of parenting skills with minimal variation among them. The association analysis reveals that among all selected background variables, mother’s occupation showed a statistically significant association with perceived parenting skills (χ² = 6.921, p = 0.008). Overall, the study highlights the need for continued support and targeted interventions to further strengthen parenting skills and enhance child outcomes during surgery.

Published by: Joselin Anna Bel P. C, Dr. Nesa Sathya Satchi, Hilda Rose MaryResearch Area: Nursing

Organisation: Apollo College of Nursing, Tamil NaduKeywords: Perceived Parenting Skills, Surgery, Children.

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Research Paper

6. Social Protection and Economic Marginality: A Study of Domestic Workers in Tamil Nadu

Domestic work represents a significant segment of the informal economy in India, particularly in Tamil Nadu, where women dominate this occupation. Despite their crucial role in sustaining households and supporting the urban and rural economy, domestic workers remain economically marginalized and socially excluded. This study examines the socio-economic conditions, income patterns, and access to social protection among domestic workers in Tamil Nadu, with specific reference to Namakkal District. Using a descriptive research design, primary data were collected from 120 respondents through structured questionnaires and interviews. Secondary data from government reports and scholarly studies were also used. The findings reveal that domestic workers face low wages, irregular employment, lack of legal protection, and limited access to welfare schemes. The study concludes that effective policy intervention, awareness, and inclusion in formal labour frameworks are essential to ensure economic security and social justice.

Published by: Mrs. Sutha. P, Dr. Parvathi. SResearch Area: Economics

Organisation: Kandaswami Kandar's College, Velur, Namakkal, Tamil NaduKeywords: Domestic Workers, Informal Sector, Social Protection, Economic Marginality, Tamil Nadu.

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Research Paper

7. 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 MResearch Area: Software Protocol

Organisation: Jain University, KarnatakaKeywords: Centralized Resume Management System (CRMS), Structured Resume Data, Resume Standardization, JSON Resume Schema, Resume Interoperability, Applicant Tracking Systems (ATS), Resume Parsing, Dynamic Resume Generation, Persistent Resume Links, Tag-Based Resume Versioning, Resume Sharing Protocol, Professional Profile Management, Recruitment Platforms, Structured Data Exchange, Resume Data Portability.

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Research Paper

8. 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 VermaResearch Area: Data Science

Organisation: KDK College of Engineering, MaharashtraKeywords: Educational Analytics, Interest Prediction, Data Visualization, Django, Personalized Learning, Parent Portal, AI Study Plan Generation, Gemini API.

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Research Paper

9. 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. VelvizhiResearch Area: Economics

Organisation: Government Arts and Science College, Tamil NaduKeywords: Online Banking, Customer Retention, Digital Banking, Consumer Behaviour, Financial Technology, India, Customer Satisfaction.

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Review Paper

10. 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 ALdosseryResearch Area: Computer Engineering

Organisation: Qassim University, Saudi ArabiaKeywords: Internet of Things (IoT), Augmented Reality (AR), Assistive Technologies, Interoperability, People with Disabilities, Human–Computer Interaction, Saudi Arabia.

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Research Paper

11. 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 LullaResearch Area: Economics And Finance

Organisation: Bombay Scottish School, MaharashtraKeywords: Digital Payments, Cashless Economy, Financial Inclusion, Transaction Efficiency, GDP Growth, GDP Per Capita, UPI, Payment Cards, Internet Banking, Mobile Payments, Economic Development, Digital Infrastructure, Cybersecurity, Fraud Detection, Machine Learning, Artificial Intelligence, Internet of Things, Contactless Payments, Economic Indicators, Digital Adoption, Emerging Economies, Developed Economies, Data Privacy, Payment Systems, QR Code Payments, Real-Time Transactions, Mobile Wallets, Banking Access, Transaction Security, Digital Literacy.

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Research Paper

12. 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. VelvizhiResearch Area: Economics

Organisation: Government Arts and Science, College, Mettur, Salem, Tamil NaduKeywords: Online Banking, Customer Retention, Digital Banking, Consumer Behaviour, Financial Technology, India, Customer Satisfaction.

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Research Paper

13. Scalable Quality-Aware Depth Map Generation Using Edge-Conditioned Deep Learning Priors

While monocular depth estimation remains a primary hurdle in computer vision, this research presents a sophisticated hybrid framework designed to extract high-fidelity depth information from static 2D images. The core of this methodology lies in its dual-stream architecture: it synchronizes a global depth hypothesis generated via Deep Learning with a localized, edge-sensitive segmentation strategy. To ensure the system remains versatile across a spectrum of hardware from high-performance servers to resource-constrained mobile devices, this work implements a quality-scalable block partitioning scheme. By discretizing the image into adjustable blocks, the system can dynamically balance computational overhead against spatial precision. This process is deeply informed by the luminance channel's edge probability, which acts as a structural guide to ensure that depth transitions are mathematically anchored to the actual physical boundaries of objects. To bridge the gap between discrete block processing and a continuous, natural depth field, a guided bilateral filter is employed in the final stage. This specific refinement serves two purposes: it effectively dissolves 'staircase' or blocky artifacts resulting from the segmentation, while simultaneously acting as a 'boundary-lock' to preserve the crispness of foreground silhouettes. The resulting depth maps exhibit a granular level of detail, particularly at high-resolution block settings—providing the necessary structural accuracy for seamless 3D conversion, cinematic depth-of-field effects, and high-immersion Augmented Reality (AR) environments. GENERATION USING EDGE-CONDITIONED DEEP LEARNING PRIORS

Published by: Ramola Joy P, Remya Madhavan UResearch Area: Image Processing

Organisation: Marian Engineering College, KeralaKeywords: Monocular Depth Estimation, Deep Learning, Bilateral Filtering, Scalable Systems, Edge Detection.

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Research Paper

14. GovAI – Smart Government Scheme & Exam Finder Using Intelligent Eligibility Filtering

The increasing number of government welfare schemes and competitive examinations in India has made it difficult for citizens to identify opportunities suitable for their eligibility. Most users face challenges due to scattered information sources, a lack of awareness, and complex eligibility conditions. To solve this problem, the proposed project “GovAI – Smart Government Scheme & Exam Finder” provides a web-based recommendation platform that suggests suitable government schemes and competitive examinations based on user details. The system collects information such as age, income, gender, occupation, educational qualification, and state from users. Using eligibility-based filtering logic, the application recommends relevant schemes and examinations along with application links. The system is developed using Python, Flask, HTML, and CSS, and deployed online using GitHub and Render. The proposed platform reduces manual searching effort, improves accessibility, and provides a centralised solution for personalised recommendations. The project also demonstrates the practical use of intelligent filtering systems and modern web technologies in improving public service accessibility.

Published by: Mohammed Zakhwan, Dr. G. Sharmila SujathaResearch Area: Information Technology (Computer Science)

Organisation: Andhra University, Andhra PradeshKeywords: Government Schemes, Recommendation System, Flask, Python, Eligibility Filtering, Web Application, Competitive Examinations, E-Governance, Citizen Support System.

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Review Paper

15. Review of Heart-Risk Monitoring System

Cardiovascular diseases continue to be among the major causes of death globally, hence making early diagnosis and monitoring crucial to enhance the quality of care. Systems that utilise electrocardiogram (ECG) signals together with artificial intelligence,e such as machine learning, deep learning, and the Internet of Things (IoT), together with wearable health devices, have revolutionised cardiac diagnostics in the contemporary age. In this literature review, there will be an extensive evaluation of new developments in ECG signal processing and arrhythmia detection techniques, wearable ECG monitors, and intelligent health applications. This work assesses different machine learning algorithms that include SVM, CNN, LSTM, MLP and hybrid deep learning algorithms that can be applied to classify ECG signals. Other areas that are covered include remote IoT healthcare systems, cloud computing based on ECG monitoring, explainable artificial intelligence models, FHIR interoperability standards and others. The strengths, limitations, data sets, pre-processing techniques, and results achieved by recent studies are reviewed.

Published by: D R Vishal, Harshith Kumar K M, Jashwanth S R, Bipin Babu R, Harshada J PatilResearch Area: Healthcare

Organisation: Vemana Institute of Technology, KarnatakaKeywords: Heart Risk Monitoring, ECG, SpO₂, AD8232, MAX30102, ESP32, Machine Learning, IoT Healthcare, Cardiovascular Disease Prediction, Real-Time Monitoring.

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Research Paper

16. IoT-Enabled Smart Parking and Blind Spot Detection

Accelerating urbanisation, combined with a sharp rise in privately owned automobiles, has placed considerable pressure on city infrastructures, particularly with respect to parking management and vehicular safety. Locating an available parking slot consumes significant driver time, indirectly amplifying fuel usage, traffic density, and urban air pollution. Simultaneously, limited driver visibility around a vehicle—especially in blind-spot regions—continues to be a leading contributor to low-speed accidents during parking manoeuvres. This paper offers a thorough review of prevailing technological frameworks, with particular emphasis on deploying ESP32 microcontrollers alongside arrays of heterogeneous sensors to achieve real-time proximity monitoring and obstacle awareness. The study traces the evolution from conventional camera-only solutions toward affordable, omnidirectional IoT architectures designed to strengthen situational awareness comprehensively. Key findings underscore the value of ultrasonic sensing paired with cloud-connected dashboards and smartphone interfaces in building a safer, fully networked vehicular ecosystem.

Published by: Rahul G P, Prithviraj R, KS Maneesh Kumar, Manvith DO, Raghuveer C MResearch Area: IOT And Embedded Domain

Organisation: Vemana Institute of Technology, KarnatakaKeywords: Smart Parking, Internet of Things (IoT), ESP32, Ultrasonic Sensors, Blind Spot Monitoring.

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Research Paper

17. Comparative Evaluation of Machine Learning Approaches for Physiological Stress Detection Using ECG and EEG Signal Modalities

Stress is a complicated physiological and psychological phenomenon that has a huge impact on the health and performance of people. Conventional methods of measuring stress are dependent upon self-reports, making it difficult to determine if they are truthful and cannot be noted in real-time. In this study, the use of machine learning techniques to identify stress objectively based on physiological signals taken from ECG and EEG was examined. While other studies have only examined one signal type (either ECG or EEG), this study compared the two modalities side-by-side under the same experimental conditions, using equal amounts of data from publicly available datasets. Multiple machine learning models (Logistic Regression, Support Vector Machine, Random Forest, XGBoost, LSTM) were compared and contrasted using available datasets. Physiological signal features (heart rate variability, electrodermal activity) were taken into account and analysed to understand both autonomic and neural activation due to stress. The results demonstrated that the Random Forest model yielded the highest level of performance (F1-score=.86, AUC=.90), indicating that Random Forest is better suited to handling complex physiological signals than any other machine learning model. An analysis of the physiological signals indicated that stress causes a decrease in heart rate variability, an increase in skin conductance, and an increase in cardiovascular activity (during the physical response) due to increased sympathetic nervous system stimulation. In summary, this research points to machine learning-based techniques yielding dependable, non-invasive means for detecting stress. This research indicates that there is an opportunity to use physiologic signal analysis in combination with AI to provide future possibilities for monitoring mental health and wearable technology.

Published by: Kevin ShahResearch Area: Computer Science

Organisation: St. Gregorios High School, MaharashtraKeywords: Stress Detection, Machine Learning, ECG, EEG, Heart Rate Variability, Physiological Signals.

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Review Paper

18. A Comparative Review of Deep Learning Methods for Landmine Detection from Vision Transformers to Ground-Penetrating Radar

Landmines present a real problem around the world, causing injuries and a real threat to deminers’ lives. Due to that, the search for safe and efficient demining methods has been a humanitarian priority for a long time. Traditional methods rely on physical probing and manual demining. However, these methods give high false-alarm rates, risks, costs, and are time-consuming. Thus, there is an urgent need to find innovative technologies and study their potential to give 100% efficient solution. This paper provides a comparative review of recent research in landmine detection and classification, focusing on the application of Artificial Intelligence and Deep Learning. We will evaluate the number of recently used deep learning methodologies, datasets and achieved performance results. This will help identify how Artificial Intelligence can succeed in solving the problems of demining operations. In this study, we will analyse the use of different algorithms with the overall goal of specifying the best findings to ensure high territory clearance, as well as specifying the challenges. This review provides important insights into the current state of the field, highlighting solutions that can enhance demining operations and improve detection accuracy.

Published by: Leidi M.Saleh AoutoResearch Area: Artificial Intelligence And Deep Learning For Remote Sensing

Organisation: Qassim University, Saudi ArabiaKeywords: Landmine Detection, Deep Learning, Computer Vision, Ground-Penetrating Radar (GPR), Thermal Imaging, Optical Imaging, Electromagnetic Induction (EMI), YOLO, Vision Transformer (ViT).

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Review Paper

19. Review of AI-Driven Methods to Enhance Search and Rescue Operations after Earthquakes

The devastating results of seismic events affect many people’s lives every time they occur. The main damage is caused to people being trapped under the rubble for long periods of time because rescue teams lack intelligent and prioritised plans. To address this problem, we will study the utilisation of various artificial intelligence (AI) technologies in accelerating and enhancing the efficiency of human spotting and rescuing processes after earthquakes. These applications include neural networks, AI-controlled robot systems, and multimodal data fusion, where thermal, visual, and acoustic data are integrated to detect survivors under building debris, in addition to other fusion ideas. This review will focus on studies published between 2023 and 2026. One main outcome of this work is the identification of key limitations in current AI solutions, such as real-time processing constraints, the noisy nature of disaster environments, and hardware deployment challenges in active disaster zones. In conclusion, this review aims to serve as a future research direction for optimising AI-driven methods to enhance detection accuracy, accelerate rescue timelines, and improve the overall survival outcomes in seismic emergencies.

Published by: Lin M.Saleh AoutoResearch Area: Artificial Intelligence

Organisation: Qassim University, Saudi ArabiaKeywords: Earthquake Search and Rescue, Deep Learning, Human Detection, Thermal Imaging, Rescue Robotics.

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Research Paper

20. Do ESG Rating Divergences Predict Stock Underperformance?

While the ESG investing trend has shifted to the forefront, a rather worrying paradox is also becoming ever more evident, that of the dramatically divergent ESG evaluations rendered for the identical companies, consistently and by rating agencies across the industry. This paper investigates whether that difference of opinion, particularly when combined with unambiguous and highly optimistic environmental rhetoric in corporate filings, might be used as a quantifiable indicator of greenwashing, and if companies with that pattern of behaviour tend subsequently to underperform in equity markets. I employ a sample of 135 international firms from the S&P 500 and MSCI world indices, 2015-2023, providing a dataset of 1,080 firm-year observations. I calculated an aggregated ESG divergence index using pairwise disagreements from MSCI, Sustainalytics, and Bloomberg ESG ratings, and combined it with two text-based indicators from annual reports: a FinBERT sustainability sentiment index and a TF-IDF-based ESG keyword intensity measure for inclusion in my analysis. Ordinary Least Squares (OLS) regressions, two-way fixed effects panel models, and Fama-MacBeth cross-section estimation are used to carry out the empirical investigation. I find, throughout all specifications, that ESG rating divergence is negatively and significantly associated with risk-adjusted returns; each unit of added divergence relates to an annual excess return that is approximately 0.39–0.42% lower (p<0.01). Positive sustainability sentiment in disclosures correlates with better performance, whereas high keyword density unaccompanied by external rating agreement points in the opposite direction, consistent with rhetorical inflation rather than genuine ESG progress. A long-short portfolio sorted on divergence quintiles accumulates approximately 8.7 percentage points of excess return over the nine-year window. The results speak directly to the concerns of asset managers, index providers, and regulators engaged in the ongoing effort to bring rigour to sustainable finance.

Published by: Sheena SyedResearch Area: Financial Economics

Organisation: Symbiosis University, IndiaKeywords: ESG Rating Divergence, Greenwashing, NLP, FinBERT, TF-IDF, Panel Regression, Fama MacBeth, Asset Management, Sustainable Finance, Factor Models, Python, Bloomberg ESG Ratings.

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