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Research Paper

Strategies to Increase the Adoption of Fintech among Retail Consumers Globally

This paper studies how the use of financial technology (fintech) can be increased among retail consumers across the world. It focuses on the role of financial literacy, differences in adoption between rural and urban areas, key reasons why people use fintech, and how these patterns vary across countries. Using survey data and global case studies, the paper finds that people with better financial and digital knowledge are more likely to use fintech services and continue using them over time. Financial literacy also helps build trust and confidence in digital financial products. The paper shows clear differences between rural and urban areas. Urban consumers adopt fintech faster due to better internet access, higher income levels, and greater exposure to digital services. In contrast, rural consumers often face challenges such as poor infrastructure, low digital skills, and a lack of trust. However, adoption in rural areas increases when fintech services are designed to meet local needs, such as using agent-based models, simple interfaces, and low-cost products. Global comparisons highlight that fintech adoption differs widely across countries depending on regulations, smartphone usage, and the strength of traditional banking systems. Based on these findings, the paper suggests strategies to increase adoption, including improving financial literacy, strengthening digital infrastructure, building consumer trust, and creating supportive regulations. Overall, the study provides practical recommendations for policymakers and fintech firms to promote wider and more inclusive use of fintech services.

Published by: Vihaan Pandey

Author: Vihaan Pandey

Paper ID: V12I2-1141

Paper Status: published

Published: March 18, 2026

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Research Paper

Triple Deck Express Way

Triple-deck expressways are a modern transportation concept developed to manage heavy traffic congestion in highly populated urban areas where expanding roads horizontally is difficult. This system includes three vertically arranged levels of transport corridors within the same route. These levels may accommodate high-speed vehicle lanes, metro or railway lines, and local service roads. By utilising vertical space efficiently, triple-deck expressways increase road capacity, decrease travel time, and make better use of limited land. They are typically built using reinforced or prestressed concrete along with steel composite structures, supported by advanced foundation and seismic-resistant designs. Although the initial construction cost is high, such expressways provide a sustainable and long-term solution for improving urban transportation systems.

Published by: Darshan Badar, Deepak Salve, Jaysen Sahu, Omkar Mural, Suraj surve

Author: Darshan Badar

Paper ID: V12I2-1171

Paper Status: published

Published: March 16, 2026

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Research Paper

Oily Wastewater Treatment using Adsorption Method

The rapid growth of industrialization has led to the generation of large quantities of oily wastewater containing free oil, dispersed oil, emulsified oil, and dissolved hydrocarbons. Major sources include petroleum refineries, automobile service stations, metal finishing industries, and food processing units. If discharged without adequate treatment, oily wastewater causes severe environmental pollution by forming surface films on water bodies, reducing oxygen transfer, and adversely affecting aquatic ecosystems. Conventional treatment methods such as gravity separation, chemical coagulation, flotation, and membrane filtration often exhibit limitations including high capital and operating costs, excessive sludge generation, and reduced efficiency in treating stable oil–water emulsions. This project presents a comprehensive study on the adsorption method as an effective and sustainable approach for oily wastewater treatment. The performance of commonly used adsorbents, including activated carbon and low-cost bio-adsorbents such as rice husk ash and sawdust, is reviewed and analyzed. The influence of critical operating parameters such as pH, contact time, adsorbent dosage, temperature, and initial oil concentration on adsorption efficiency is discussed. Reported experimental investigations demonstrate that adsorption can achieve oil and grease removal efficiencies ranging from 85% to 95% under optimized conditions. The findings highlight that adsorption is a technically feasible, economical, and environmentally friendly tertiary treatment method, making it suitable for integration into industrial wastewater treatment systems.

Published by: Khushi Ghadigaonkar, Karuna Gaikwad, Ranjana Waghmare, Jay Pujari, Sanskruti Dharmale

Author: Khushi Ghadigaonkar

Paper ID: V12I2-1156

Paper Status: published

Published: March 16, 2026

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Survey Report

A Comprehensive Survey on Automated Concept Extraction and Prerequisite Dependency Detection in Educational Texts

Automated extraction of concepts and detection of dependencies are important for analyzing educational texts and supporting applications like curriculum development, learning path suggestions, and intelligent tutoring systems. The aim of these tasks is to automatically extract key domain concepts from educational materials and find dependencies or prerequisites between them. Several approaches are put forward in recent studies, such as weakly supervised methods based on semantic embeddings and clustering, distant supervision techniques that make use of domain-specific glossaries, and supervised transformer-based models. Supervised models frequently exhibit high accuracy, but they rely significantly on large, manually labeled datasets. On the other hand, weakly and distantly supervised approaches drastically lower annotation costs, but they also face issues with seed quality, dictionary coverage, and cross-domain applicability. In order to guide future work in automated educational concept analysis, this study offers a thorough overview of current methods, frequently used datasets, assessment metrics, and recognized limits. It also addresses important issues and unresolved research gaps.

Published by: Aditi Patil, Riya Hankare, Shreya Araganji, Nidhi Chaudhari, Siddharth K. Gaikwad

Author: Aditi Patil

Paper ID: V12I2-1151

Paper Status: published

Published: March 16, 2026

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Research Paper

Performance and Musical System in Prahllad Nataka Tradition

Prahllad Nataka is a devotional musico-dramatic tradition of southern Odisha that integrates ritual invocation, narrative dramaturgy, classical music, and folk performance practices into a unified theatrical structure. This paper examines the performance grammar, character system, spatial organization, musical architecture, and aesthetic principles that define the form. Beginning with the ritual Mangalacharana/Nandigana and guided by the Sutradhara, the performance unfolds through a carefully structured dramatic progression centered on the conflict between Hiranyakashipu and Prahllad, culminating in the climactic manifestation of Narasimha. The study analyzes the interplay between major and minor characters, the incorporation of comic and didactic interludes, and the integration of tribal and folk performance elements within a predominantly rāga-based musical framework. The repertoire employs thirty-four rāgas and six tālas, reflecting a confluence of Carnatic and Hindustani classical traditions within a regional devotional theatre context. The spatial configuration—featuring a tiered wooden stage and symbolic pillar—reinforces the ritual symbolism central to the narrative. Costume and make-up practices exhibit strong affinities with South Indian classical theatre traditions such as Kathakali and Therukoothu, while maintaining localized Odishan elements. The sacred Narasimha mask functions simultaneously as theatrical property and ritual icon. Despite reductions in performance duration due to modern socio-cultural shifts, Prahllad Nataka continues to preserve its devotional intensity and aesthetic integrity, representing a living synthesis of classical dramaturgical principles and community-based ritual theatre.

Published by: Dr. Ajit Kumar Muni

Author: Dr. Ajit Kumar Muni

Paper ID: V12I2-1149

Paper Status: published

Published: March 16, 2026

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Research Paper

SentinelStore: A Zero-Knowledge, Fault-Tolerant Decentralized Storage Architecture Utilizing Shamir’s Secret Sharing and Kademlia DHT

As the digital ecosystem becomes increasingly reliant on centralized cloud infrastructure, the vulnerabilities associated with single points of failure, data sovereignty, and privacy intrusion have become critical bottlenecks. This paper introduces SentinelStore, a novel decentralized storage protocol designed to shift the trust boundary entirely to the client edge. Unlike traditional distributed systems that rely on full-file replication, SentinelStore implements a Zero-Knowledge Architecture by performing all cryptographic operations—key generation, authenticated encryption, and Shamir’s Secret Sharing (SSS)—directly within the user’s browser. This ensures that the storage network remains mathematically oblivious to the data it holds. We propose a hybrid storage model that utilizes a Kademlia-based Distributed Hash Table (DHT) for resilient shard distribution and a metadata coordinator for access control, without compromising the zero-trust principle. Furthermore, we introduce an innovative Dynamic Re-sharding Orchestration mechanism, allowing administrators to mathematically alter the fault-tolerance parameters of stored data without decrypting it or requiring client intervention. Experimental results demonstrate that this architecture achieves information-theoretic security and high availability with significantly lower storage overhead compared to traditional replication strategies.

Published by: Saketh Narkidimilli, Prudhvi Saranya Tatini, Sathvika Kollepara, Sandeep Peruri, Murala Sasidhar, Subhas Chette, Kiranmai Merum

Author: Saketh Narkidimilli

Paper ID: V12I2-1166

Paper Status: published

Published: March 16, 2026

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