IJWOS VOLUME-03 ISSUE-01 JANUARY 2026

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

Articles

  • Digital Transformation in the Banking Sector: Issues, Challenges, and Opportunities

    P.Snehitha, G.Vinesh Kumar (Author)
    Keywords: Key words: • Digital Transformation • Banking Sector • Digital Banking • Financial Technology (FinTech) • Cybersecurity
    DOI: https://doi.org/10.71366/ijwos0301260011600

    Published Date: 2026-01-04 Page No.: 1-15

The effect of corporate governance on financial performance

P.Deekshitha, G.Vinesh kumar (Author)
Keywords: • Corporate Governance • Financial Performance • Board Structure • Board Independence • Ownership Structure
DOI: https://doi.org/10.71366/ijwos0301260025599

Published Date: 2026-01-04 Page No.: 16-26

Financial Management Strategy in Higher Education Institutions

Samir Kumar Bandyopadhyay, Samir Kumar Bandyopadhyay (Author)
Keywords: Financial Management Strategy, Higher Education Finance, Institutional Sustainability, Budgeting, Cash Flow Management, Endowment Management, Financial Governance, Tuition Dependency, Fiscal Transparency.
DOI: .

Published Date: 2026-01-04 Page No.: 27-42

A Comprehensive Review of Constant Current Constant Voltage Charging Strategies for Electric Vehicle Batteries

Anupam Yadav, Barkha Saxena (Author)
Keywords: Electric Vehicles; Lithium-Ion Battery; CC–CV Charging Strategy; Modified CC–CV Control; Fast Charging; Battery Management System;
DOI: .

Published Date: 2026-01-04 Page No.: 43-49

SOLAR POWERED SAND BRICK MANUFACTURING MACHINE AUTOMATION

Prof. Sanvastsarkar K.P, Miss. Endait Vidya D, Miss. Gaikwad Nikita M, Mr. Kadam Aditya D, Mr. Shankhpal Manas S (Author)
Keywords: polymorphism, java programming, method overriding, interface implementation, inheritance, dynamic method dispatch
DOI: .

Published Date: 2026-01-04 Page No.: 50-67

The Psychology of Investing: Behavioral Insights for Financial Decision-Making

T.Kalyan Kumar, G.Vinesh Kumar (Author)
Keywords: • Behavioral Finance • Investor Psychology • Cognitive Biases • Emotional Investing • Loss Aversion • Overconfidence
DOI: https://doi.org/10.71366/ijwos0301260061366

Published Date: 2026-01-04 Page No.: 68-77

Systematic Review of Ayurvedic Plants in Respiratory Diseases

Prathmesh Prashant Baviskar, Rupali Tasgaonkar, Puja Vyawhare, Kanvesh chaudhari, Darshan Borle, Sonal Bhingare (Author)
Keywords: Respiratory disorders,AyurvedaMedicinal plants,Asthma and COPD,Herbal therapeutics,Andrographis paniculata,Adhatoda vasicaImmunomodulation
DOI: https://doi.org/10.71366/ijwos

Published Date: 2026-01-04 Page No.: 78-88

Comparative Study on Home Loans Between PSU Banks And Private Banks

D.Shivani, Ms. k. Hari chandana Devi (Author)
Keywords: • Home Loans • Housing Finance • PSU Banks • Private Sector Banks • Interest Rates
DOI: https://doi.org/10.71366/ijwos0301260089158

Published Date: 2026-01-04 Page No.: 89-101

A Review: Butterfly Assortment and Their Ecosystem Services for Society

Anil Kumar, Jyotsna Athya, Aabha Hazare, Reena Mishra, Suchi Singh, Shailja Katare, Shobha Ram Patil, Sandeep Rane (Author)
Keywords: Lepidoptera, Geographical, Ecosystem, Bioindicator, Food web.
DOI: .

Published Date: 2026-01-06 Page No.: 102-114

Famine Commissions in Colonial India: Analysis, Impact, and Legacy

Dr. Kuldeep Mandal (Author)
Keywords: Famine Commissions, Colonial India, Akaal Aayog, British Administration.
DOI: https://doi.org/10.71366/ijwos0301260102454

Published Date: 2026-01-06 Page No.: 115-123

Perspective of people Towards Financial inclusion and pradhan mantri jan dhan yojana

DHARAVATH MAHESH, Harichandana Devi (Author)
Keywords: Financial Inclusion Pradhan Mantri Jan Dhan Yojana (PMJDY), Banking Services, Financial Literacy, Economic Empowerment, Direct Benefit Transfer (DBT)
DOI: https://doi.org/10.71366/ijwos0301260118369

Published Date: 2026-01-06 Page No.: 124-135

Current Status, Distribution, Threats, and Conservation of Mangrove Forests in the Bicol Region, Philippines: A Review

Vincent Vermudo (Author)
Keywords: mangrove, Bicol Region, coastal ecosystems, conservation, restoration, climate resilience
DOI: https://doi.org/10.71366/ijwos0301260123796

Published Date: 2026-01-06 Page No.: 136-146

Reconceptualising Multilingual Education Beyond Monolingual Ideologies

Grace Sangkim, Dr. Kabita Kumari (Author)
Keywords: Keywords: Multilingual Education (MLE), Multilingualism, First Language (L1), Interdependence Hypothesis, Threshold Hypothesis
DOI: https://doi.org/10.71366/ijwos0301260137226

Published Date: 2026-01-06 Page No.: 147-155

Workplace Spirituality and Its Role in Enhancing Job Satisfaction among Teaching Faculty in Telangana Colleges

K.Sai Pranathi, Venkata Siva Kumar, S. (Author)
Keywords: Workplace Spirituality; Job Satisfaction; Teaching Faculty; Motivation and Well-Being; Higher Education; Telangana
DOI: https://doi.org/10.71366/ijwos0301260148662

Published Date: 2026-01-06 Page No.: 156-166

Mathematical Economic Model in Financial System in Manufacturing Industry- An Application

Samir Kumar Bandyopadhyay, Samir Kumar Bandyopadhyay (Author)
Keywords: Mathematical Economics, Manufacturing Finance, Operations Research, Linear Programming, Stochastic Models, Capital Budgeting, Risk Analysis.
DOI: .

Published Date: 2026-01-06 Page No.: 167-178

AI-Driven Transformation of the Construction Industry: A State-of-the- Art Review

Vihaan Patel, Krishnaiah Kumar (Author)
Keywords: –
DOI: .

Published Date: 2026-01-06 Page No.: 179-187

Thalassemia: An Overview of Genetics, Pathophysiology and Management

Galaba Yamini Padmasri, Sapna Pathak, Subhadeep Pratihar, Shohida Khatun, Pusunuri Pranitha, Varshitha Asukolla, Dr.B.Thangabalan, Chiruvolulanka Dharmik Ram Teja (Author)
Keywords: Thalassemia, Anemia, Jaundince, Skeletal Abnormalities, Erythropoiesis
DOI: .

Published Date: 2026-01-06 Page No.: 188-196

Diabetic Neuropathy: A Comprehensive Review of Mechanisms and Therapies

Sudarsanam Nagarjuna, Badisa Malleswari, Palaparthi Cherishma, Lella Janaki, Chalamalasetty Bindu Sri, Chukka Preethi, Minraj Pokhrel, Galaba Yamini Padmasri, Dr.B.Thangabalan (Author)
Keywords: Diabetic neuropathy, hyperglycemia, neuropathic pain, glycemic control, peripheral neuropathy, autonomic neuropathy.
DOI: .

Published Date: 2026-01-06 Page No.: 197-211

WIRELESS CHARGING PAD FOR DRONES, E-BIKES- NEWER TREND IN EV AND AUTOMATION

Prof. Mandlik Dipali B, Miss. Dabhade Siddhi S, Miss. Dhanwate Divya G, Miss. Sonawane Sapna M, Miss. Sonawane Sapna M, Miss. Wagh Shraddha B (Author)
Keywords: wireless charging pad, E- bikes.
DOI: .

Published Date: 2026-01-07 Page No.: 212-228

Stylo: An AI-powered Android App That suggests outfits tailored to your Body type ,Occasion and Personal style

Shruti Rohidas Kirve, Sanskruti hanumant karpe, Atharva mahesh avhale, Aaryan amit chintal (Author)
Keywords: Stylo, Android Application, Artificial Intelligence in Fashion, Convolutional Neural Network (CNN), Decision Tree Algorithm, Personalized Outfit Recommendation, Virtual Try-On, Smart Fit Prediction, Image-Based Analysis, Firebase Realtime Database.
DOI: .

Published Date: 2026-01-07 Page No.: 229-233

Digital twin-driven maintenance and fault detection for modern aircraft

Rumaysa. Khalid. Yadwad, Aqsa. Vasim. Pathan, A. T. Kulkarni, S. A. Mujawar (Author)
Keywords: Aircraft Maintenance, Fault Detection, Predictive Maintenance, Condition-Based Maintenance (CBM), Prognostics and Health Management (PHM), Aviation Systems, Remaining Useful Life (RUL), Machine Learning, Intelligent Maintenance Systems
DOI: .

Published Date: 2026-01-11 Page No.: 234-251

An Intersectional Reading of Contemporary Women’s Narratives: Gendered Migration and Diasporic Identity.

Shatabdi Haldar, Swarali Joshi (Author)
Keywords: Female migration; Diasporic identity; Intersectionality; Hybridity; Postcolonial feminism.
DOI: .

Published Date: 2026-01-11 Page No.: 252-257

THE ROLE OF TRAINING AND DEVELOPMENT IN ENHANCING EMPLOYEE RETENTION

Muthyala Prathyusha, Ravichandra BS (Author)
Keywords: Training and Development ,Employee Retention ,Career Growth, Employee Engagement, Organizational Commitment, Professional Development
DOI: https://doi.org/10.71366/ijwos0301260234272

Published Date: 2026-01-11 Page No.: 258-269

The Digital Nomadic Lens: Reclaiming Identity and Gender in 21st-Century Indian Travel Writing.

Prakriti Jhajharia, Dr Avneet Kaur (Author)
Keywords: Travel Writing, Digital Nomadism Orientalism, Globalisation, Gender and Empowerment, Contemporary Indian Literature, Mobility Theory, Hybridity
DOI: https://doi.org/10.71366/ijwos

Published Date: 2026-01-13 Page No.: 270-275

Hyperreality and Illusion: A Study of Simulation in Selected Novels of Jonathan Swift and Laurence Sterne

Abhinanda Bhattacharjee, Dr. Avneet Kaur (Author)
Keywords: Simulation, Hyperreality, Simulacra, Realism, Illusion, Metafiction
DOI: .

Published Date: 2026-01-13 Page No.: 276-284

The Specifics of Translating English Medical Terminology into Russian

Imankulova Tolgonai Zhakypovna, Sayed Qariya Anamur Rahman (Author)
Keywords: medical terminology; translation studies; English–Russian translation; medical linguistics; intercultural communication; terminology standardization
DOI: .

Published Date: 2026-01-13 Page No.: 285-288

FinTech Adoption and Profitability of Commercial Banks in India

Manmeet Singh, Dr. Manpreet Kaur (Author)
Keywords: FinTech Adoption, Digital Banking, Profitability, Commercial Banks, ROA, ROE, India
DOI: .

Published Date: 2026-01-13 Page No.: 289-295

Between Wars, Between Genders: The Radical Reconstruction of Identity in Interwar Literature

Surabhi, Anil Adagale (Author)
Keywords: Interwar Literature; World War I Trauma; Gender Identity; Trauma Theory; Hegemonic Masculinity; Modernism; Shell Shock; Fragmentation; Masculinity Crisis
DOI: .

Published Date: 2026-01-13 Page No.: 296-299

Investment Support schemes versus Price Support schemes in Indian Agriculture: An Empirical Study of Telangana’s Rythu Bandhu Scheme

Mr.Mandula Venkanna, Dr.A.Punnaiah (Author)
Keywords: farmers' perception, MSP, procurement, Rythu Bandhu, investment support, price support, Telangana.
DOI: https://doi.org/10.71366/ijwos0301260292828

Published Date: 2026-01-13 Page No.: 300-311

Idealism vs. Reality: Comparing the Legacy of Plato, Kant, and the Analytic Tradition

TUHINA AKHTAR KHANAM, Abdul Khalek (Author)
Keywords: Idealism; Reality; Plato; Kant; Analytic Philosophy; Truth; Metaphysics; Epistemology; Language; Ethics
DOI: https://doi.org/10.71366/ijwos0301260307008

Published Date: 2026-01-15 Page No.: 312-318

The Silent Minority: Autism, Moral Truth, and the Politics of Being Heard in Contemporary India

BABY S. SAISTA SHEIKH, S. THANIGAIVELAN, MAIBAM WAHIDUR (Author)
Keywords: Autism, Religion, Philosophy, Satya, Culture
DOI: https://doi.org/10.71366/ijwos0301260319174

Published Date: 2026-01-15 Page No.: 319-327

HERBAL TREATMENT FOR CONJUCTIVITIS

Shruti Parshuram Gaikwad, Rajeshwari Khairnar, Rupali R. Tasgaonkar (Author)
Keywords: conjunctivitis, management, preventions , herbal medicines
DOI: .

Published Date: 2026-01-15 Page No.: 328-340

From Pity to Agency: Rewriting Disability Narratives in Roll With It and The Chance to Fly

Paridhi Agrawal, Dr. Avneet Kaur (Author)
Keywords: Keywords: Disability Studies, Juvenile Literature, Agency, Representation, Ableism, Contemporary Fiction
DOI: https://doi.org/10.71366/ijwos0301260339160

Published Date: 2026-01-15 Page No.: 341-347

Impact of Artificial Intelligence in the Indian Banking system -A case study on State Bank of India , Hyderabad region

Katta Nandini, K. Hari Chandana devi (Author)
Keywords: Artificial intelligence, Operational efficiency, robotic process automation, Financial frauds, Chat bots.
DOI: https://doi.org/10.71366/ijwos0301260346849

Published Date: 2026-01-15 Page No.: 348-359

THE EFFECT OF PRE-SOWING TREATMENT AND SEED SIZES ON THE GERMINATION OF Canarium schweinfurthii (Engl.) SEEDS IN JOS PLATEAU STATE

Sylvia Makvereng Satdom, Izang, Charity, Deshi, Kyenpia Eunice, ODESINA, IFEOLUWA SIMEON, Nanbol Karya Kate, Edward, Naanma Bioltif (Author)
Keywords: Canarium schweinfurthii; seed dormancy; germination enhancement; pre-sowing treatment methods; seed size effects.
DOI: https://doi.org/10.71366/ijwos0301260350315

Published Date: 2026-01-15 Page No.: 360-377

DEFERRED TAXATION AND FINANCIAL PERFORMANCE OF LISTED INDUSTRIAL GOODS FIRMS IN NIGERIA

Nazir Isyaku, Aghedo Areloegbe Abraham, Abdullahi Lawan Tsanyawa, Lawal Mohammed, Dr Saibabu Neyyila (Author)
Keywords: Deferred Taxation, Deferred Tax Assets, Deferred Tax Liabilities, Financial Performance, Return on Assets (ROA), Return on Equity (ROE), Industrial Goods Firms, Nigeria, Random-Effects Regression
DOI: .

Published Date: 2026-01-16 Page No.: 378-390

In-Silico Drug Repurposing of 6-(2,2,3,3-Tetrafluoropropoxy)-1,3-Benzothiazole-2-Amine Targeting Voltage-Gated Sodium Channels in Amyotrophic Lateral Sclerosis

Pradnya Hanumant Divate, Pratik Prabhakar Dhalgade, Tejshree S Khamkar, NIisha Dhanaji Kamble, Pradnya Subhash Todkar, Shreyash Krishnadeo Patil (Author)
Keywords: Amyotrophic lateral sclerosis, Voltage-gated sodium channel, Drug repurposing, Morgan fingerprint similarity,Molecular dynamics simulation.
DOI: https://doi.org/10.71366/ijwos

Published Date: 2026-01-16 Page No.: 391-413

RETHINKING TAXATION IN THE DIGITAL ECONOMY: GLOBAL DEVELOPMENTS AND NIGERIA’S POLICY RESPONSE

Aghedo Areloegbe Abraham, Nazir Isyaku, Abdullahi Lawan Tsanyawa, Dr Saibabu Neyyila (Author)
Keywords: Taxation, Digital Economy, OECD, Finance Act, Pillar One and Two, Significant Economic Presence, Permanent Establishment.
DOI: https://doi.org/10.71366/ijwos

Published Date: 2026-01-19 Page No.: 414-419

Advancements in diabetes mellitus

Sakshi Sudam Kasar, Aarti C. Labhane, Rupali R. Tasgaonkar (Author)
Keywords: Diabetes Mellitus, Continuous Glucose Monitoring, Artificial Pancreas, Stem Cell Therapy, Immunomodulation, AI-driven Precision Medicine, Regenerative Medicine, Personalized Diabetes Care
DOI: https://doi.org/10.71366/ijwos0301260393889

Published Date: 2026-01-19 Page No.: 420-427

AUDIT COMMITTEE ATTRIBUTES AND EARNINGS MANAGEMENT IN NIGERIAN LISTED SERVICE FIRMS

Abdullahi Lawan Tsanyawa, Aghedo Areloegbe Abraham, Naziru Isyaku, N CHAITANYA (Author)
Keywords: Audit Committee Characteristics; Earnings Management; Corporate Governance; Discretionary Accruals; Service Firms; Nigeria
DOI: https://doi.org/10.71366/ijwos

Published Date: 2026-01-19 Page No.: 428-437

Post-Streptococcal Glomerulonephritis Presenting with Hypertensive Urgency In A Pediatric Patient: A Case Report

Shirley Angelina Kothur, Perne Venkata Adithya, Mekala Anusha (Author)
Keywords: post-streptococcal glomerulonephritis, hypertensive urgency, hematuria, immune complex-mediated glomerular damage, RAAS.
DOI: https://doi.org/10.71366/ijwos0301260414578

Published Date: 2026-01-19 Page No.: 438-443

"Breaking Barriers: A Comprehensive Approach to Women's Empowerment in India"

Prachi Kishan Varu (Author)
Keywords: Women’s Empowerment, Gender Equality, Social Reform, Economic Participation, Sustainable Development
DOI: .

Published Date: 2026-01-20 Page No.: 444-454

AI-DRIVEN SKILL IN EDUCATION AND ITS IMPLICATIONS FOR TEACHER COMPETENCE AND AUTHENTIC LEARNING PRACTICES

Yelaguri Sandeep Kumar (Author)
Keywords: Keywords: Artificial Intelligence in Education; Teacher Competence; Skill Dilution; Authentic Learning Practices; Higher Education; Autonomous Engineering Colleges
DOI: https://doi.org/10.71366/ijwos0301260430063

Published Date: 2026-01-20 Page No.: 455-461

Impact of Chinese Electronics on Indian Manufacturing Sector- An Empirical Evidence

Munnuru Srinivas, Manish K Srivastava (Author)
Keywords: Chinese Electronics, Indian Manufacturing Sector, Import Dependence, Trade Deficit , Make in India, Production Linked Incentive (PLI) Scheme
DOI: https://doi.org/10.71366/ijwos0301260442030

Published Date: 2026-01-20 Page No.: 462-474

The Influence of Emotional Intelligence and Behavioural Biases on Stock Market Churning Frequency: Evidence from India

S NIKITHA, G Vinesh Kumar (Author)
Keywords: Emotional Intelligence, Behavioural Biases, Stock Market Churning, Investment Behaviour, Educational Bias, Indian Investors, Overconfidence, Herding, Disposition Effect
DOI: https://doi.org/10.71366/ijwos0301260452345

Published Date: 2026-01-20 Page No.: 475-487

Factors influencing investor's intention to purchase health insurance : a quantitative study

Samudrala Jeevan, G Vinesh Kumar (Author)
Keywords: : Health insurance, Awareness, Affordability, Social influence, Purchase intention
DOI: https://doi.org/10.71366/ijwos0301260460077

Published Date: 2026-01-20 Page No.: 488-500

The signal notes using for improving mastery of the discipline “Academic Integrity in Higher Education Institutions” by future teachers, specialists in natural sciences and public health

Oleksandr Lukash, Anita Szikura, Svitlana Strilets, Oleksandr Lukash (Author)
Keywords: academic integrity, artificial intelligence, signal note, student, university
DOI: https://doi.org/10.71366/ijwos0301260470571

Published Date: 2026-01-20 Page No.: 501-507

TUNNEL ELECTRIFICATION FOR ROAD USING ESP32 BASED SMART LIGHTING AND SAFETY SYSTEM

SANDHYARANI BALASAHEB KUNJIR, SURAJ RAJIV JAYBHAYE, PRADEEP SANJAY KAPSE, ABHISHEK SUNIL ADAGALE, Mrs. Adagle P. M. (Author)
Keywords: ESP32, Smart Lighting System, Tunnel Electrification, Road Tunnel Safety, IoT Based Monitoring, Automatic Light Control, Section-wise Lighting, LDR Sensor, Vehicle Detection Sensor, LED Lighting, Energy Conservation, Smart City
DOI: https://doi.org/10.71366/ijwos

Published Date: 2026-01-20 Page No.: 508-512

An Advance Technology for Ulcer Detection Using Machine Learning Methods

Samir Kumar Bandyopadhyay (Author)
Keywords: Ulcer Detection, Machine Learning, Deep Learning, Convolutional Neural Networks (CNN), Peptic Ulcer (PU), Diabetic Foot Ulcer (DFU), Medical Image Analysis, Kvasir Dataset, Computer-Aided Diagnosis (CAD), Accuracy.
DOI: .

Published Date: 2026-01-21 Page No.: 513-527

A Study of Gender Equality and Its Impact on Workplace Environment

T.Aishwarya, A.Suhasini (Author)
Keywords: •Gender Equality •Workplace Environment •Employee Satisfaction •Equal Opportunities •Gender Bias •Organizational Culture
DOI: https://doi.org/10.71366/ijwos0301260500518

Published Date: 2026-01-21 Page No.: 528-539