IJWOS VOLUME-02 ISSUE-12 DECEMBER 2025

DOI: https://doi.org/10.71366/ijwos
Published:

Articles

  • A Machine Learning Framework for Enhancing Insurance Claim Settlements through Driver Behavior Analysis

    Dr Sandeep Anand, Dr Arvind Kumar Shukla (Author)
    Keywords: Machine Learning, Driver Behavior Analysis, Insurance Claim Settlement, Fraud Detection, Real-Time Data
    DOI: .

    Published Date: 2025-12-25 Page No.: 537-548

Microneedle-Based Drug Delivery Systems: Advances, Challenges, And Future Prospects

bhosale om shankar (Author)
Keywords: Dissolving microneedles; Microneedles; Personalized medicine; Smart microneedles; Transdermal drug delivery; Vaccine delivery.
DOI: .

Published Date: 2025-12-25 Page No.: 549-565

Impact of Engagement Drivers on Employee Retention through Employee Engagement

G Sai Santhosh, A Suhasini (Author)
Keywords: Employee Engagement, Employee Performance, Employee Retention.
DOI: https://doi.org/10.71366/ijwos02120538838

Published Date: 2025-12-25 Page No.: 566-580

“A study on Stress Behind the Swipe: Managing Post-Purchase Financial Burden”

Ms. C Sushma Sree, Ms. K. Hari Chandana Devi (Author)
Keywords: • Impulsive Spending • Swipe-Based Payments • Credit Dependence • Post-Purchase Financial Stress • Consumer Financial Behaviour • Household Financial Budgeting • Digital Payments • Financial Well-Being
DOI: https://doi.org/10.71366/ijwos02120541902

Published Date: 2025-12-25 Page No.: 581-591

The Multi-Asset Paradox: Why Investors Choose or Avoid Diversified Funds

NARUGULA HARSHITHA, K. Hari Chandana Devi, Ravi Chandra.B.S (Author)
Keywords: •Multi-Asset Funds •Diversification •Investor Perception •Risk–Return Trade-off •Transparency.
DOI: https://doi.org/10.71366/ijwos02120554211

Published Date: 2025-12-25 Page No.: 592-602

Financial Analysis of Public & Private Sector Banks In India .

Mr. G. Vineesh Kumar, Ms. Y. Srujana (Author)
Keywords: • Bank Performance • Profitability Analysis • Public and Private Sector Banks • Financial Ratio Analysis • CAMELS Framework • Indian Banking Sector
DOI: https://doi.org/10.71366/ijwos02120562822

Published Date: 2025-12-25 Page No.: 603-610

GST And Its Effect on MNC Manufacturing Companies An Empirical Study

. Dyapa Pavani, K.Hari Chandana Devi (Author)
Keywords: • Goods and Services Tax (GST). • Global Production Corporations • Credito Fiscal por Impuestos de Entrada (CFIE) • Cost Effectiveness • Tax Adherence • Corporate Performance
DOI: https://doi.org/10.71366/ijwos02120576840

Published Date: 2025-12-25 Page No.: 611-622

Behavioural Finance and Investment Decisions: Understanding the Human Side of Markets

G.Aarti priya, K. Hari Chandana Devi (Author)
Keywords: • Behavioural Finance • Investment Decisions • Risk Perception • Financial Literacy • Cognitive Biases
DOI: https://doi.org/10.71366/ijwos02120586349

Published Date: 2025-12-25 Page No.: 623-634

Financial Literacy Among The Different Economics Classes in India

Muthyala Pravalika, K.Hari Chandana Devi (Author)
Keywords: • Understanding Finances • Economic Categories • Investment Patterns • Economic and Social Factors • Financial Literacy in the Digital Age • Economic Wellness • Economic Growth
DOI: https://doi.org/10.71366/ijwos02120595498

Published Date: 2025-12-25 Page No.: 635-647

Financial Planning for Gen Z: What Makes It Different?

Bhanu Teja Pulipati, Mr. G. Vinesh Kumar (Author)
Keywords: • Gen Z financial behavior • Personal finance trends • Economic pressures on Gen Z • Student debt burden • Cost of living challenges
DOI: https://doi.org/10.71366/ijwos02120607792

Published Date: 2025-12-25 Page No.: 648-663

Factors Influencing Investors’ Preference Towards Life Insurance Products: With Reference to Term Insurance Plans

S V Karuna Venkatesh, G Vinesh Kumar (Author)
Keywords: • Investor Preference • Term Insurance • Life Insurance • Financial Literacy • Service Quality
DOI: https://doi.org/10.71366/ijwos02120612192

Published Date: 2025-12-25 Page No.: 664-671

IMPACT OF ARTIFICIAL INTELLIGENCE ON FINANCIAL DECISION MAKING

Pendyala Naveen kumar, G vineesh Kumar (Author)
Keywords: • AI governance • ESG Risks • Augmented Intelligence • Explainable AI (XAI) • Technical Barriers • Workforce Adaptation • Machine Learning (ML)
DOI: https://doi.org/10.71366/ijwos02120628887

Published Date: 2025-12-25 Page No.: 672-683

TRADING DYNMICS OF FUTURE AND OPTIONS: A CONCEPTUAL FRAME WORK IN THE INDIAN DERIVATIVES MARKET

KASHAP TILAK SINGH, K. HARI CHANDANA (Author)
Keywords: Futures, Options, Derivatives Market, SEBI, Volatility.
DOI: https://doi.org/10.71366/ijwos02120636953

Published Date: 2025-12-25 Page No.: 684-696

Investment pattern of salaried people in India

U Aravind Kumar, G. Ramesh (Author)
Keywords: Investment Process, Salaried People, Middle Class, Financial Literacy Investment Behaviour
DOI: https://doi.org/10.71366/ijwos2120645157

Published Date: 2025-12-26 Page No.: 697-708

The Power of Small Daily Savings in Building Financial Security

R. Uma Maheshwari, G. Vineesh Kumar (Author)
Keywords: • Financial Independence • Goal Setting • Expense Prioritization • Debt Reduction • Investment Decisions • Wealth Accumulation • Cognitive Biases • Financial Behaviour • Emotional Spending • Financial Literacy
DOI: https://doi.org/10.71366/ijwos02120650894

Published Date: 2025-12-26 Page No.: 709-720

THE ROLE OF FINANCIAL ANALYTICS IN INVESTMENT DECISION MAKING

K RAKSHIT (Author)
Keywords: Financial Analytics, Financial Analytics Sophistication, Financial Analytical Tools, Investment Decision-Making, Human Analytical Skills, Diverse Data, Big Data, Data Quality.
DOI: https://doi.org/10.71366/ijwos02120667663

Published Date: 2025-12-26 Page No.: 721-731

Fintech-Driven Approaches for Strengthening Digital Financial Awareness

SARAP VIKRANTH, G. VINEESH KUMAR (Author)
Keywords: • Fintech • Digital Financial Awareness • Digital Literacy • Financial Inclusion
DOI: https://doi.org/10.71366/ijwos02120673936

Published Date: 2025-12-26 Page No.: 732-741

Study of middle-class banking habits in India

N. Sindhu, G. Ramesh (Author)
Keywords: Middle Class, Banking Habits, Digital Banking, Savings, Investments, Indian Banking System
DOI: https://doi.org/10.71366/ijwos02120680663

Published Date: 2025-12-26 Page No.: 742-751

Effectiveness of E-Recruitment Practices in HR Consultancy Firms- An Empirical Evidence.

Mylaram Keerthana Priya, Suhasini Tatiparthi (Author)
Keywords: • E-Recruitment • Online Recruitment • HR Consultancy • Talent Acquisition • Recruitment Efficiency • Digital Hiring
DOI: https://doi.org/10.71366/ijwos02120695447

Published Date: 2025-12-26 Page No.: 752-767

Tomato Leaf Disease Detection Using Machine Learning Algorithms for Automated Crop Health Monitoring

Dr. Abhijit Biswas (Author)
Keywords: tomato leaf disease detection, machine learning, plant disease classification, image processing, precision agriculture, crop health monitoring
DOI: .

Published Date: 2025-12-27 Page No.: 768-781

ROLE OF BLOCKCHAIN TECHNOLOGY IN REDUCING FRAUDS AND FINANCIAL CRIMES

MS.VALLALA VARSHINI, MR.G.VINESH KUMAR (Author)
Keywords: Blockchain Technology, Financial Fraud Prevention, AI Integration, Regulatory Clarity, Privacy Models, Interoperability, Financial Security
DOI: https://doi.org/10.71366/ijwos02120700415

Published Date: 2025-12-28 Page No.: 782-791

Impact of GST On FMCG (Hindustan Unliver Limited)

MALI AKSHITHA, K.HARI CHANDHANA DEVI (Author)
Keywords: Goods and service tax, FMCG, Dynamic segment, Cascading. E GST, FMCG, Cenvat Credit, SGST & CGST. Goods and service tax, economic development, Indian economy and value added tax.
DOI: https://doi.org/10.71366/ijwos02120727292

Published Date: 2025-12-28 Page No.: 792-802

Inhalation Aromatherapy for Improving Sleep Quality in Adults: A Systematic Review and Meta-analysis of Trials Using the Pittsburgh Sleep Quality Index (PSQI)

Thirakit Vanichayakorn, Thirakit Vanichayakorn (Author)
Keywords: Aromatherapy, Inhalation, Essential oils, Sleep quality, PSQI, Meta-analysis
DOI: https://doi.org/10.71366/ijwos02120730903

Published Date: 2025-12-28 Page No.: 803-814

The Contemporary Indian Family in Gulmohar: A Semiotic Analysis of Thematic Representations

Debojyoti Das, Ms. Anushree Menon (Author)
Keywords: Symbol, Family, Archetype, Home, Semiotics
DOI: .

Published Date: 2025-12-28 Page No.: 815-827

A Study of Brand Promotion Strategy of Zomato and Swiggy

Bezzam Sundara Sannuthi (Author)
Keywords: Brand Promotion Strategies, Customer Perception,Customer Satisfaction,Zomato,Swiggy,Food Delivery Services,Marketing Strategies,Customer Preference
DOI: https://doi.org/10.71366/ijwos02120759167

Published Date: 2025-12-28 Page No.: 828-835

FROM THE INDUS TO PERSEPOLIS: TRACING EARLY CIVILIZATIONAL EXCHANGES BETWEEN INDIA AND IRAN

Shashank A Anand, Dr. Seema Devi (Author)
Keywords: Indus Valley Civilization, Achaemenid Empire, Satrapy of Hindush, Reciprocal Exchange, Indus-Iran Corridor, Persepolis Reliefs.
DOI: .

Published Date: 2025-12-29 Page No.: 836-847

Ai-Driven Web-Based Heart Disease Prediction System With User-Centric Features

Parul Tyagi, Arihant Raj, Ankit Kumar, Abhishek Patel, Raj (Author)
Keywords: Heart Disease Prediction, Machine Learning, Random Forest Algorithm, Web-Based Healthcare System, Risk Assessment, React.js, Node.js, MySQL, Cloud Deployment, Health Informatics
DOI: .

Published Date: 2025-12-30 Page No.: 848-856

A STUDY TO EVALUATE THE EFFECTIVENESS OF STRUCTURED TEACHING PROGRAMME ON KNOWLEDGE AND PRACTICE REGARDING ANTENATAL EXERCISES AMONG ANTENATAL MOTHERS IN CHIGATERI DISTRICT HOSPITAL AT DAVNAGERE

Ms.Komala N, Dr.Manoj Prajapati (Author)
Keywords: Knowledge;antenatalmothers;antenatalexercises,structuredteaching programme; Pre- experimental Group
DOI: .

Published Date: 2025-12-30 Page No.: 857-867

A STUDY TO EVALUATE THE EFFECTIVENESS OF EDUCATIONAL INTERVENTION ON KNOWLEDGE REGARDING PREPARATION OF HOSPITALIZATION FOR SICK CHILDREN AMONG BASIC BSc NURSING STUDENTS AT BANGI INSTITUTE OF NURSING SCIENCES,VIJAYAPUR

Mr.Waseemakram Almel, Dr.Manoj Prajapati (Author)
Keywords: Knowledge, evaluate, effectiveness, hospitalization, sick children and educational intervention.
DOI: .

Published Date: 2025-12-30 Page No.: 868-878

रीतिकालीन कविता में नायक-चेतना और आदर्श नायक का स्वरूप

डॉ. आनंद कुमार (Author)
Keywords: बीज शब्द : नायक-चेतना, आदर्श नायक, श्रृंगार-रस, सौंदर्य-बोध, दरबारी संस्कृति, कलाप्रेम, कला और संगीत, प्रेम और श्रृंगार।
DOI: https://doi.org/10.71366/ijwos

Published Date: 2025-12-30 Page No.: 879-888

ग्राम पंचायतों में ई-शासन का बढ़ता प्रभाव: एक विश्लेषण

अमित कुमार (Author)
Keywords: बीज शब्द: ग्राम पंचायत, ई-शासन, सूचना प्रौद्योगिकी, डिजिटल परिवर्तन, महिला सशक्तिकरण, तकनीकी चुनौतियाँ, ग्रामीण विकास
DOI: https://doi.org/10.71366/ijwos

Published Date: 2025-12-30 Page No.: 889-902

A review on antacids therapy for peptic ulcer disease

B.Keerthi, Dr.D.Rama Brahma Reddy, CH.N.V.S.Mastan Rao, B.Yaswanth (Author)
Keywords: Antacids, peptic ulcer disease, gastric acid, aluminium hydroxide,calcium carbonate.
DOI: .

Published Date: 2025-12-30 Page No.: 903-911

Reimagining Higher Education Through Artificial Intelligence: A Conceptual Framework

Rahul Kumar, Aditya Singh, Abhay Thakur, Aditya Sharma, Amrita Ranjan, Abhilasha kumari (Author)
Keywords: Artificial Intelligence, Data Privacy, Higher Education
DOI: https://doi.org/10.71366/ijwos02120838955

Published Date: 2025-12-31 Page No.: 912-916

IN VITRO ANTIDIABETIC AND ANTIOXIDANT POTENTIAL OF ETHANOLIC WHOLE PLANT EXTRACT OF BIDENS PILOSA THROUGH CARBOHYDRATE DIGESTIVE ENZYME INHIBITION AND GLUCOSE UPTAKE ENHANCEMENT

Nasreen Sultana, Vasala Shruthi, Vattikoti Bhargavi, Boddu Tejaswini, Korra Prasad, Bonasi Priyanka (Author)
Keywords: Bidens pilosa, α-glucosidase, α-amylase, glucose uptake, antioxidant, diabetes mellitus
DOI: .

Published Date: 2025-12-31 Page No.: 917-927

Assessment Of Climate Finance Flows for Developed to Developing Countries

MR.BARKA SANDEEP, Dr. R S Ch Murthy Chodisetty (Author)
Keywords: Climate Finance, Developing Countries, Adaptation Finance, Readiness, Systemic Reforms, Sustainable Development
DOI: https://doi.org/10.71366/ijwos

Published Date: 2025-12-31 Page No.: 928-937

Exploring Push-Pull Factors and AI Influence on Indian Students’ Higher Education Choices Abroad: A Predictive Analytic Approach 

GNANA DURGADEVI K, Dr.U.Vani, GNANA DURGADEVI K (Author)
Keywords: AI Trust, AI Exposure, Push-Pull factor, Student Mobility, Advocacy, TAM.
DOI: .

Published Date: 2025-12-31 Page No.: 938-943

Revolutionizing Intelligent Transportation: Emerging Trends in Vehicle-to-Vehicle (V2V) Communication and Security

PRAVEENAKUMAR BUDIHAL (Author)
Keywords: Vehicle-to-Vehicle (V2V), Dedicated Short-Range Communication (DSRC), Artificial Intelligence (AI), Reconfigurable Intelligent Surfaces (RIS), Intelligent Transportation Systems (ITS)
DOI: https://doi.org/10.71366/ijwos

Published Date: 2025-12-31 Page No.: 944-953

Stock Market Performance of Fintech Companies in India: A Comparative Risk-Return Analysis

Ayis Rai, Mr. SANATH KUMAR K, Mr. SANATH KUMAR K (Author)
Keywords: Keywords: Fintech, Stock Market Performance, Nifty 50, Risk-Return Analysis, Sharpe Ratio, Alpha, Beta, Indian Financial Markets
DOI: https://doi.org/10.71366/ijwos02120882428

Published Date: 2025-12-31 Page No.: 954-961

Performance Assessment of a Locally Made Maize Sheller Machine – A Short Review

anjali chaturvedi (Author)
Keywords: Maize sheller, shelling efficiency, grain breakage, shelling rate, locally made machine
DOI: https://doi.org/10.71366/ijwos

Published Date: 2025-12-31 Page No.: 962-964

IN VITRO ANTICANCER ACTIVITY OF THE ROOTS OF PASPALUM PANICULATUM

Rampaka Praveena, G. Swetha (Author)
Keywords: Paspalum paniculatum, Antioxidant activity, Cytotoxicity, DPPH assay, Brine shrimp lethality, Medicinal plants
DOI: https://doi.org/10.71366/ijwos02120895077

Published Date: 2025-12-31 Page No.: 965-972

Phytochemicals with Anti-Cancer Properties: A Review of Plant-Based Chemopreventive Agents

Kanvesh Sacchidanand Chaudhari, Rupali Tasgaonkar, Puja Vyawhare, Aditi Bhagwat, Darshan Borle, Sonal Bhingare (Author)
Keywords: Cancer,Cancer mortality,Chemoprevention,Phytochemicals,Natural anticancer agents,Chemotherapy,Radiotherapy,Drug resistance
DOI: https://doi.org/10.71366/ijwos02120913148

Published Date: 2025-12-31 Page No.: 973-980

Empowering Communities: An Analysis of Local Self-Government Institutions in Kerala’s Development Process

Dr. ABDUL HALEEM QURAISHI, Jithin K.V, Ganaesh Kumar K.A.V, ABDUL HALEEM QURAISHI (Author)
Keywords: Local Self-Government Institutions (LSGIs), Decentralisation, Community Empowerment, Inclusive Development, Local Economic Growth
DOI: https://doi.org/10.71366/ijwos02120922050

Published Date: 2025-12-31 Page No.: 981-987