Purpose: The purpose of this paper is to explore the impact of Artificial Intelligence on the performance of Indian Banks in terms of financial metrics. The study focused specifically on the NIFTY Bank Index. The paper also advocates that a greater transparency in disclosing AI related information in a Bank’s annual report is required even if it is voluntary. Design/Methodology/Approach: The paper uses a mixed method approach where quantitative and qualitative analysis is combined. A dynamic panel data model is used to understand the impact of AI of Return on Equity (RoE) of 12 Indian Banks in the NIFTY Bank Index over a five-year period. In addition to that, Content analysis of annual reports of banks was conducted to examine AI related disclosure and transparency. Findings: The paper highlights that the integration of Artificial Intelligence (AI) significantly influences the financial performance of sample banks of India. Return on Equity the specific parameter positively influenced with adoption of AI. The profitability of banks is positively impacted by reduced errors and improved operational efficiency. The content analysis of annual reports of the banks indicates different approach for AI disclosure where some banks give detailed information and some are not transparent about AI initiatives. The findings suggest that a higher level of transparency could enhance confidence of all stakeholders. Theoretical Implications: The positive relation between adoption of AI and financial performance, specifically ROE, gives a foundation for academic research to explore the dynamics of emerging technology and financial systems. The study can be extended to explore the impact on other performance indicators in different sectors. Practical Implications: The findings of this study emphasize the importance of transparent AI related disclosures. A detailed reporting about integration of AI helps in enhanced stakeholders’ confidence in case of banking industry. The regulatory framework of banks may also consider making mandatory AI disclosure practices to ensure due accountability to maximize the benefits of AI in banking.

This paper reviews the emerging potential of mid-tier transit, articulating how a complex set of established and new factors could contribute both to better transit outcomes and the associated urban regeneration around station precincts. The analysis is based on two structured literature reviews, supported by insights from the authors’ original research. The first provides an overview of the established and new rationale for mid-tier technologies such as the established Light Rail Transit (LRT) and Bus Rapid Transit (BRT) as well as the new Trackless Tram Systems (TTS). The established role for mid-tier transit is now being given extra reasons for it to be a major focus of urban infrastructure especially due to the need for net zero cities. The second review, is a detailed consideration of established and new factors that can potentially improve patronage on mid-tier transit. The established factors of urban precinct design like stop amenities and improved accessibility and density around stations, are combined with new smart technology systems like advanced intelligent transport systems and real-time transport information for travellers, as well as new transport technologies such as micro-mobility and Mobility on Demand. Also explored are new processes with funding and development models that properly leverage land value capture, public private partnerships, and other entrepreneurial development approaches that are still largely not mainstreamed. All were found to potentially work, especially if done together, to help cities move into greater mid-tier transit.

Public-Private Partnerships (PPPs) can be an effective way of delivering infrastructure. However, achieving value for money can be difficult if government agencies are not equipped to manage them effectively. Experience from OECD countries shows that the availability of finance is not the main obstacle in delivering infrastructure. Governance—effective decision-making—is the most influential aspect on the quality of an investment, including PPP investments. In 2012, the OECD together with its member countries developed principles to ensure that PPPs deliver value for money transparently and prudently, supported by the right institutional capacities and processes to harness the upside of PPPs without jeopardizing fiscal sustainability. Survey results from OECD countries show that some dimensions of the recommended practices are well applied and past and ongoing reforms show progress. However, other principles have not been well implemented, reflecting the continuing need for improving public governance of PPPs across countries.

Numerical study of subcooled and saturated flow boiling in the curved and helically  coiled tubes in presence of phase change is one of the challenging area of CFD studies. In this paper, the CFD modeling of the nucleate and convective flow boiling in the small helically coiled tube at low vapor quality (up to the 18.93 percent) region is studied. A proper Eulerian-based mathematical model is used for interphase exchange forces and heat transfer between two phases in CFD modeling using Bulk boiling model. The results show that, the inner and the bottom wall of the helically coiled tube have the lowest and the highest heat transfer coefficient, respectively. The effect of change in coil diameter, helical pitch and tube diameter is investigated on the counters of vapor volume fraction. It is seen that at low vapor quality flows, the heat transfer coefficient is enhanced by decreasing in coil diameter, tube diameter and increasing in coil pitch of helically coiled tube. 

This research paper aims to explore the issue of university dropouts in Greece, which has become a growing concern in recent years due to its impact on individuals, educational institutions, and society as a whole. One of the main contributing factors to students discontinuing their higher education in Greece is the choice of the wrong faculty. Financial challenges, unrelated to tuition fees, also significantly affect students’ ability to pursue their studies. Family background plays a crucial role, with students from families with higher educational attainment exhibiting greater persistence. The study found that gender, age, and academic performance can influence students’ perceptions of dropout factors, which can change as they progress through their educational journey. To address these challenges, the research proposes a multifaceted approach, including early intervention programs, expanded financial support, improved mental health and counseling services, flexible learning options, and strong academic advising.

The United Nations General Assembly declared 2023 the “International Year of Millets” in order to promote millet cultivation, consumption, and conservation. Millets play an important role in food security, livelihoods, and biodiversity. Despite its numerous benefits, millet cultivation and consumption in Uttarakhand have declined due to a variety of constraints. This paper examines the effects of regiocentrism and materialism on intention towards Uttarakhand’s regional food products (millets). It employs PLS-SEM to investigate relationships between latent variables and generate results on a sample of 460 participants. This study elucidates the intricate interplay between materialism, regiocentrism, and intention towards regional food products in the Himalayan region, enriching the theory of planned behavior (TPB) with a nuanced understanding of personal values and regional identity. It reveals materialism’s positive association with attitudes towards regional food products, suggesting materialistic individuals may view these products as status symbols, thus affecting behavioral intentions. Additionally, the research highlights regiocentrism’s dual influence—enhancing attitudes yet deterring purchase intentions—underscoring the complexity of regional pride in consumer decision-making. These findings advance TPB by integrating broader value systems and cultural context, offering significant theoretical and practical insights for promoting sustainable consumption patterns.