Authors: Neeraj Manoj Gupta

Abstract: The integration of Information Technology (IT) into the tourism sector has dramatically reshaped the landscape of global travel and hospitality. From digital booking platforms to AI-driven customer service, and from virtual reality experiences to real-time mobile assistance, IT has redefined how tourists interact with destinations and services. This paper investigates the multi-faceted impact of IT on the growth of tourism, with a special focus on India—a country rich in culture, heritage, and emerging digital infrastructure. By analyzing various Indian states such as Kerala, Karnataka, Tamil Nadu, Andhra Pradesh, and Uttar Pradesh, the study showcases how regional governments and private enterprises have leveraged technology to boost tourism, improve accessibility, and empower local communities. Globally, the paper highlights case studies and data illustrating how countries are adopting AI, blockchain, mobile apps, and data analytics to attract, retain, and better serve tourists. Additionally, it examines the role of social media and influencer marketing in shaping travel trends and consumer behavior. The research also addresses challenges such as digital inequality, privacy concerns, and the risks of over-tourism due to unchecked digital promotion. Overall, this paper provides a comprehensive view of how IT acts as a catalyst for sustainable tourism development and offers strategic insights into the future of digitally enhanced travel experiences.

DOI: http://doi.org/ 

Authors: Mohd saquib siddiqui, ashar ahmed, shahnawaz ahmed siddiqui

Abstract: Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

DOI: http://doi.org/10.61463/ijset.vol.13.issue3.109

Authors: Mohd saquib siddiqui, ashar ahmed, shahnawaz ahmed siddiqui, Deepak Patel, Neeraj Mishra

Abstract: It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using 'Content here, content here', making it look like readable English. Many desktop publishing packages and web page editors now use Lorem Ipsum as their default model text, and a search for 'lorem ipsum' will uncover many web sites still in their infancy. Various versions have evolved over the years, sometimes by accident, sometimes on purpose (injected humour and the like).

DOI: http://doi.org/10.61463/ijset.vol.13.issue3.109

Authors:-Juliet Mary K A, Professor Dr.C.Shalini

Abstract- The main theme of this research work is to find the women perception on investing in Gold ornaments. Gold ornaments have been used by Indian civilization since ages for both aesthetic as well as investment purposes. Investment is an economic activity of putting to productive use the money saved, to earn a reasonable return on the funds instead of keeping it idle undertaking a reasonable level of risk. The data has been collected from 150 respondents across the city of Chennai mainly focusing on women. The researchers have used convenient sampling method to collect the data. The study indicates that women tend to invest more on Gold ornaments rather. Gold has been a significant form of investment and cultural symbol in India, playing a crucial role in personal finance and societal customs. This study aims to explore the perceptions of women regarding investment in gold, focusing particularly on Chennai City in Tamil Nadu, India. Findings from the study shed light on the multifaceted nature of women’s perceptions towards gold investment, revealing insights into the role of tradition, financial security, and social dynamics. Understanding these perceptions is crucial for financial institutions, policymakers, and market analysts to design effective strategies and products that cater to the needs and preferences of female investors.

Authors: Mohd saquib siddiqui, ashar ahmed, shahnawaz ahmed siddiqui, Deepak Patel, Neeraj Mishra, Akshay, Rehan Israel, Kajal Tripathi, Neha, Anshu Baghel

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DOI: http://doi.org/10.61463/ijset.vol.13.issue3.109

Publication

1. Exploring The Offshore Banking – A Monetary Fixture Across the Borders

Authors:-Mrs. Yasmin. A. Barodawala, Assistant Professor Dr. Thakorbhai Patel

Abstract- The time and technology had led us to experience far-fetched and unthinkable, even in the monetary scenario. A great illustration of it is the idea that we can access and keep our capital in a bank outside our country’s border. This act of keeping our monies outside our country is nothing but ‘Offshore Banking’. It provides the opportunity to safely protect the financial assets, take benefit of no or lower taxes, gain secrecy of funds and so on. Offshore banking has become popular as being black coated with money laundering, underground economy, organized crime and tax evasion. But the greater picture is quite different. In actuality it does not prevent individual’s funds from being subject to personal income tax and interest. Hence this conceptual paper on Offshore Banking discusses the inception, evolution, top ten tax havens of the world and Offshore banking’s legal status in the world and in India. This precariousness of offshore banking has prevented many to explore this section which is vivid from the scanty research articles available on this suspicious subject. Thus, this paper endeavors to dive deeper within the less traversed world of Banks which are Offshore.

2. Gen Z Rewrites Fashion: A Study of Gen Z Consumer Preferences and Drivers in the Fashion Industry in India

Authors:-Badal Dewani, Yuvika Nagaych

Abstract- In the fashion industry, India is undertaking a significant transformation in preference and Genz consumer behaviour, with the Indian apparel market projected to reach US$ 105.50 billion by 2024, analysis of the preferences of Gen Z becomes paramount. This research probes the social media platforms of influencers and Gen Z’s fashion choices within the Indian appareling market. The findings highlight the impact of social media on Genz buying behaviour, Instagram is a prime channel for investigating new fashion trends and choices. Over half of the respondents report being influenced by micro-influencers in their fashion-related buying behaviour. Through an online questionnaire survey, this study reveals the preferences and behaviour of Genz consumers. The key factors are comfort, price, and sustainability that influence their fashion-related buying decision. The study focuses on the significance of social media platforms as well as local influencers. In the future maybe the research approach could focus on developing target market strategies to completely engage Genz consumers in the digital shopping era.369. In summary, the study focuses on the vital role played by social media and micro influencers in framing Gen Z’s behaviour, As the brands understand that to stay and maintain stability in the digital market, they need to be awake and connect with their influencers demographic, they can be sustained relevance and success.

3. Fostering Ethical Entrepreneurship and Customer Trust: The Ladipo International Auto Market Perspective

Authors:- Godson Christian Osita, Eze Benneth Uchenna

Abstract- This conceptual study delves into ethical practices and customer trust in Ladipo International Market, with a specific focus on the automotive spare parts business. The research provides insights into the current landscape of ethical practices, challenges, and potential benefits within the market, as well as strategies for building and maintaining customer trust and the impact of customer trust on business performance. The conceptual nature of this paper stems from its emphasis on synthesizing existing knowledge and proposing theoretical frameworks rather than empirical data collection. Key findings highlight the diverse ethical practices in the market, including a commitment to fair transactions, adherence to regulations, and a focus on customer satisfaction. However, challenges such as counterfeit products and inadequate regulatory oversight, among others, hinder the widespread adoption of ethical standards. Factors influencing customer trust include, but not limited to, product quality, transparency, and market reputation. Strategies for building trust encompass transparent pricing, quality assurance, customer education, and ethical conduct. The implications for businesses and customers underscore the importance of ethical practices in enhancing brand image, customer loyalty, and long-term profitability. Future research and advocacy efforts should focus on evaluating the effectiveness of specific advocacy strategies, exploring the impact of technology on customer trust, and prioritizing collaboration among stakeholders to promote ethical conduct and market integrity.

4. Understanding the Relationship between Inflation, Expenditure, and Revenue: Economic Stability and Fiscal Policy

Authors:- Mahesh Joshi

Abstract- This study explores the dynamic interactions between inflation, government expenditure, and revenue in Nepal using advanced econometric techniques. By understanding these relationships, the re-search provides insights into the drivers of economic activity and the implications for policy formula-tion. Utilizing data from June 2017 to April 2024, the analysis employs the Autoregressive Distributed Lag (ARDL) model, Phillips-Perron unit root tests, and Granger causality tests to examine both long-term and short-term relationships. The findings reveal significant long-run relationships between infla-tion, expenditure, and revenue, with inflation showing a negative impact on expenditure. Additionally, bidirectional causality between expenditure and revenue is identified, indicating a feedback loop where changes in one variable influence the other. These results underscore the necessity for coordinated fiscal policies to maintain economic stability and foster growth. The study offers valuable guidance for policymakers in managing inflation and optimizing expenditure and revenue strategies to achieve sustainable economic development.

5. Financial Innovations, Startups & Financial Inclusion

Authors:- Aadil Zamir

Abstract- Fintech innovations have completely reshaped the financial landscape, fundamentally altering how people access financial services, conduct transactions, and manage their money. The traditional financial industry has been significantly disrupted by fintech, forcing financial institutions to rethink their strategies and services to remain competitive. Fintech startups, with their agile and customer- centric solutions, have emerged as formidable challengers to traditional players. Furthermore, fintech has revolutionized payment systems, introducing digital payment methods and facilitating cross-border transactions, thereby reducing reliance on cash-based systems. This shift towards digital payments has made financial transactions more convenient, efficient, and accessible to a broader population. One of the most significant impacts of fintech is its role in driving financial inclusion. Through mobile-based platforms and innovative solutions, fintech has extended formal financial services to previously underserved populations, empowering individuals and small businesses to participate more actively in the formal economy. Despite its transformative impact, fintech also brings regulatory complexities and cybersecurity risks that policymakers and stakeholders must address. Ensuring sustainable and inclusive financial ecosystems requires proactive measures to mitigate risks and ensure consumer protection. This article delves into the transformative impact of fintech on traditional financial institutions, payment systems, and financial inclusion. By analyzing various literature and case studies, the research aims to explore how fintech has disrupted traditional practices, improved efficiency, and fostered greater financial inclusion on a global scale.

A Comprehensive Study on Green Human Resource Management Practices in the IT and Banking Sectors of Prayagraj

Authors:- Rohit Kumar Gupta, Assistant Professor Rajesh Kesari

Abstract- This research paper presents an in-depth examination of Green Human Resource Management (GHRM) practices within the IT and banking sectors of Prayagraj, Uttar Pradesh. The study employs a mixed-methods approach combining quantitative surveys of 100 employees across both sectors with qualitative interviews of 10 HR managers to evaluate current GHRM implementation, sector-specific adoption patterns, and organizational challenges. Findings indicate that IT companies demonstrate significantly higher GHRM adoption rates (78% with formal green policies) compared to banking institutions (42%), particularly in areas of e-waste management and digital transformation. The banking sector faces structural and cultural barriers including bureaucratic processes and employee resistance. The study contributes to the limited literature on GHRM in tier-2 Indian cities and provides actionable recommendations for enhancing sustainable HR practices through policy interventions, employee engagement strategies, and sector-specific implementation frameworks.

Authors: Author Name 1, Author Name 2, Author Name 3, Author Name 4, Author Name 5

Abstract: Testing 2Tourism paper check Testing Tourism paper check Testing Tourism paper check Testing Tourism paper check Testing Tourism paper check

DOI: 12345/ijnrefm

Authors: Mohd saquib siddiqui, ashar ahmed, shahnawaz ahmed siddiqui, Deepak Patel, Neeraj Mishra, Akshay, Rehan Israel, Kajal Tripathi, Neha, Anshu Baghel

Abstract: Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

DOI: https://dengsolutions.com/operator_deng_78ERT45/paper_publish_and_certificates.php?id=14643

Research Paper on Working of Advanced Gas Leakage Detection System with Auto Cutoff Regulator and Exhaust Fan Authors:-Dr. Vijay R. Tripathi, Mr. Shobhit B. Khandare, Mr. Akshay G. Khillare, Mr Ronit S. Rathod, Mr. Mohammed Musaddique Ahmad

Abstract-:Gas leakages in domestic, industrial, and commercial environments pose significant safety threats, including the risk of fire, explosion, and suffocation. An advanced gas detection system integrated with an automatic cutoff regulator and exhaust fan can significantly mitigate these risks by immediately detecting gas leaks, cutting off the gas supply, and ventilating the affected area. This paper presents a comprehensive study on the working principles, system architecture, components, technologies involved, and implementation challenges of such a system.

Authors:-Assistant Professor Mr. Sabir Nasir Mujawar

Abstract- Mumbai’s housing market is facing an acute affordability crisis, with rental costs far exceeding sustainable income levels for a significant portion of the population. This study examines the extent of rental burden and its impact on the financial stability and quality of life of Mumbai’s residents. Using primary data collection, including online surveys and interviews with 300+ respondents, the research quantifies the proportion of income spent on rent and identifies key challenges in accessing affordable housing. The study further explores sustainable living solutions, such as co-living spaces, micro-apartments, and policy interventions, to mitigate the crisis. A core hypothesis tested in this research is whether rental costs exceeding 30% of income significantly increase financial stress. Statistical analysis, including t-Tests and Regression Analysis, is applied to validate the relationship between rental burden and compromised living conditions. The findings provide actionable insights for policymakers, urban planners, and real estate stakeholders, emphasizing the urgent need for innovative and sustainable housing solutions. By addressing both the economic and human impact of Mumbai’s housing crisis, this research contributes to a deeper understanding of urban affordability challenges and offers potential pathways for a more inclusive and sustainable housing market.