This research looks at how the use of artificial intelligence (AI) technologies is changing the way people invest in Nepal's commercial banking industry. There is not much real-world evidence of how banks in developing countries like Nepal use and profit from AI-driven investment strategies, even though this is a growing trend throughout the world. This study uses a mixed-methods approach, which means it uses both structured questionnaires given to investment teams and semistructured interviews with senior investment managers and technology officers from five major commercial banks: Nabil Bank Limited, Nepal Investment Mega Bank Limited, Global IME Bank Limited, NIC Asia Bank Limited, and Himalayan Bank Limited. The research is based on secondary data from yearly reports and regulatory papers. The results show that AI technologies are being used more and more in portfolio optimization, risk assessment, and market forecasting, which makes decisions more data-driven and efficient. However, widespread use is hindered by problems including unclear regulations, a lack of technological know-how, and the need to work with older systems. This study adds to the body of research by showing how AI is changing investment strategies in Nepalese banks and giving policymakers and industry executives who want to move the financial sector forward in terms of digital transformation useful information.

Background Mental health results in high-stress organizational environments for security services personnel who work in military roles and paramilitary units and cyber-defense positions and correctional sectors. Digital transformation increases operational efficiency yet produces technostress and role ambiguity and cognitive overload. Method The literature review synthesized research between 2015 and 2025 through automated and manual academic database searches that followed PRISMA2020 flowchart methodology. The research analyzed multiple eligible studies about technostress and job complexity effects on mental health in security service personnel. Results The findings demonstrate that technology serves a dual purpose to enhance situational awareness and decision-making but simultaneously creates burnout through techno-overload techno-invasion and technouncertainty. Poor supervisory support and excessive administrative duties create additional stressors which intensify the existing organizational strain. The protective factors for stress reduction include adaptive leadership alongside positive digital climates together with job control and individual resources consisting of autonomy and optimism and self-efficacy

The food cultivated without using chemical pesticides, herbicides or synthetic fertilizers and using renewable resources in order to conserve the soil and water quality for future generations are generally referred to as organic foods (Sobhanifard, 2018; Rahman & Noor, 2016) . Despite increased awareness of the benefits of healthy eating, the proportion of inorganic or conventional food in global food consumption basket is very high (Gupta and Ogden, 2009). Despite producing and exporting organic foods, the internal consumption of organic food in Asian countries has been reported to be extremely low as compared to the global trends (Mottalib et al., 2018; Hasimu et al., 2017). However, the ill effects and diseases caused by pesticides, non-organic fertilizers have prompted the consumers to look for safer and healthier food options (de Oliveira et al., 2014). Owing to their health-related claims, the superfoods (both organic and functional foods) are much emphasized and talked about in the food industry (Hosni et al., 2017). Based on their nutritional characteristics, food products characterized as 'light food' (low in salt, sugar and fat), 'enriched food' (Omega -3, -6, fiber), preservative free food and food supplements have caught the attention of consumers (Hosni et al., 2017).

In the article, innovative aspects of the strategic development of agricultural enterprises in the context of transformational changes in the business environment are investigated. It is substantiated that the activities of agricultural business enterprises are influenced by factors of the external and internal environment, which are a limitation on the realization of internal potential. The key areas of innovative development of agricultural enterprises are identified, taking into account the security and economic instability of the environment of their operation. The methodology for calculating the financial and innovative indicators of the activities of agricultural enterprises is proposed, which we propose to implement based on the comprehensive approach to assessing capital investments, operational efficiency and the results of implementing digital and technological solutions in the period of transformational changes and military challenges. The comparative analysis of the effectiveness of the innovative strategies of well-known agricultural companies Kernel, Nibulon and Myronivskyi Hliboproduct (MHP) is carried out, their impact on financial results and export activities is assessed, and conclusions are drawn that are relevant for a wider range of agricultural enterprises in the context of instability and transformational changes in the business environment. It was studied that Kernel is distinguished by large-scale digitalization and innovative management of logistics processes characterizes precision agriculture, Nibulon, and MHP demonstrates the comprehensive approach with the implementation of ERP systems, IoT technologies, and optimization of the production and logistics structure.

Purpose: The purpose of this study aims to investigate the factors that influence the financial mortality of consumers transacting digitally, as well as examine the organization's perspective regarding major factors in a retail store for consumer durable. Design/methodology/approach: DMAIC approach of six sigma and 5S quality tools were used for improving the digital transaction system. The study sample consists were of 680 respondents from both urban and rural areas in a retail store. Findings: The finding of the study suggests that service fairness, security and transparency are strong determinants that influence the financial mortality of digitally transacting users in a retail store. Performance expectancy and innovativeness is the least considering factors for consumers at a retail store for consumer durable products. Research limitations/implications: The findings of the study reflect more responses from urban areas than rural areas. If equal responses were collected from both urban and rural areas, it would have given more generalized results. Practical implications: While transacting digitally and maintaining financial mortality, the consumer at a retail store must attain holistic satisfaction in terms of security, trust, convenience, performance expectancy, service fairness, and innovativeness. Originality/value: The study investigates the factors influencing the financial mortality of users transacting digitally. The focus is to know that people can maintain their financial mortality while transacting digitally, now they don't have to rely only upon hard cash to maintain financial mortality in a retail store for purchasing the consumer durable items.

This study explores consumer behavior in the electronics market, focusing on factors that influence purchase intent, including customer satisfaction, demographic characteristics, and product-related variables. Using a dataset from Kaggle with detailed sales information on electronics, the study analyzed the relationships among key variables such as age, gender, product category, and customer satisfaction. Descriptive statistics and Pearson's correlation were employed to examine associations between these factors.Abinary logistic regression model was also applied to predict purchase intent. The model achieved a predictive accuracy of 79%, highlighting that higher satisfaction and male gender were associated with increased purchase intent. Visual analysis through histograms and box plots provided insights into customer age distribution, product category trends, and price ranges, identifying stable pricing across categories and a balanced distribution of customer ages. The findings suggest that customer satisfaction and specific demographic factors strongly influence purchasing behavior in the electronics sector, providing valuable insights for marketers and retailers aiming to tailor strategies and enhance customer engagement in this competitive market. Keywords: Electronic goods, Purchase intention, Customer satisfaction, Gender,Age Introduction The consumer electronics market has seen rapid growth in recent years, driven by advancements in technology and increasing customer demand. The industry is characterized by dynamic and competitive markets, where understanding the factors influencing purchase decisions is crucial for maintaining market share. With the rise of ecommerce platforms and access to a wide range of products, consumer purchasing patterns have become more complex.

Financial sustainability is a critical determinant of the long-term viability and effectiveness of Self-Help Groups (SHGs), particularly in developing economies such as India where SHGs play a central role in financial inclusion and women's empowerment. Despite extensive research on SHG performance, limited attention has been paid to the systematic development of financial sustainability models and the rigorous validation of measurement instruments. Addressing this gap, the present study aims to develop a comprehensive financial sustainability model for SHGs and to examine the reliability and validity of the instrument derived from the proposed model. The study adopts a structured model development approach grounded in an extensive review of theoretical and empirical literature. Key determinants of financial sustainability were identified and grouped into six latent constructs: external credit linkages, financial governance and transparency, savings and internal lending efficiency, loan portfolio quality and repayment capacity, strategic planning, and financial sustainability. A pilot study was conducted using data collected from 80 women-dominated SHGs operating in selected clusters of Ajmer district, Rajasthan. Partial Least Squares Structural Equation Modeling (PLS-SEM) was utilized to evaluate the measurement characteristics of the instrument. The outcomes of instrument testing demonstrate acceptable levels of indicator reliability, internal consistency reliability, convergent validity, and discriminant validity after the removal of four indicators with low outer loadings. The validated instrument demonstrates strong psychometric properties and provides empirical support for the proposed financial sustainability model. The study contributes methodologically by offering a transparent and replicable framework for model and instrument development in SHG research. The findings offer significant insights for institutions supporting SHGs, policymakers, and financial agencies aiming to enhance the financial sustainability of SHGs.

This study examines how well Mature-aged individuals fare when they return to the workforce or launch a new business later in life. Using a multi-stage efficiency framework that blends technical efficiency, scale efficiency, and productivity-change metrics, we compare regional performance. The results show that New Taipei City and Yunlin County lead the pack in resource allocation and policy execution, while Pingtung and Hualien Counties still have ample room to grow. Deeper analysis points to three factors that drive success: well-targeted policies, solid infrastructure, and broad social recognition of the value seniors bring. Based on these insights, we recommend tailored skill-building programs, age-friendly workplace initiatives, robust digital-literacy training, and stronger public-private partnerships. Together, these measures can create a more welcoming labor environment, helping Mature-aged individuals maximize their economic contributions and social impact. The findings offer concrete guidance for policymakers and practitioners and highlight the need for multi-layered interventions to boost seniors' competitiveness and influence in today's job market. Keywords: Mature-aged individuals, encore employment, encore entrepreneurship, performance evaluation

In the , article the impact of digitalization of business processes on the economic security of the national economy through the analysis of (ES) its intermediate and final results . The mechanism of is investigasted the impact (DT) ES of digital technologies on is theoretically substantiated, within which the digitalization of business processes forms productivity growth, contributes to a change in the export structure in favor of goods with higher technological complexity and strengthens the innovative potential of the economy. The empirical basis of the study is crosscountry data from the European Union countries, which made it possible to take into account differences between countries in the level of digital business activity. A multifactor regression model was built, which showed a statistically significant impact of the use of artificial intelligence technologies on productivity, which confirms the (AIT) transformative, long-term nature of digitalization. It was established that the impact of data analytics and cloud services has an indirect effect, which is realized under the condition of sufficient digital maturity of the business environment. Comparative analysis Global Innovation of the Index showed that countries with a higher level of digitalization have a more stable and competitive export structure, which is an important factor of . The results obtained confirm that the digitalization of ES business processes does not provide an immediate economic effect, but in the long term it forms the basis for increasing productivity, GDP and increasing the economic stability of the national economy. The practical significance of the study lies in the obtained conclusions possible use of and models to substantiate the state policy of digital transformation (DTR) ES , innovative development and strengthening .

In recent years, the digital landscape has experienced a profound transformation, significantly altering how consumers make purchasing decisions. As more consumers turn to online platforms for shopping, businesses are increasingly leveraging innovative marketing strategies to influence buying behavior. Among these strategies, mobile marketing, social proof, and consumer feedback have emerged as pivotal elements in shaping consumer attitudes and driving online purchases. The major objective of this research was to identify the role of mobile marketing, social proof and consumer feedback in influencing consumer buying behavior. A sample of 712 smart phone users was selected from Mumbai and Delhi. Questionnaire was used to collect the data and it was analyzed in SPSS 21.0. The results indicated that In-app advertising, social media ads and push notifications are the most persuasive marketing tactics for smart phone users and there is a significant role of mobile marketing in influencing consumer buying behavior. Consumers said that they consider product testimonials, influencer endorsements and customer reviews most important while making online purchase decision which highlights significant impact of social proof on consumer decision making. Majority of customers said that most of the time they look for feedback or reviews before making a purchase decision online, and positive as well as negative reviews are equally important for them

The article is devoted to the analysis of the digitalization impact on the financial mechanisms of managing the strategic development of enterprises. The global trends in spending on digital transformation technologies and services in the world, as well as the Digital Transformation Index and Industry Digital Transformation in Ukraine for 2024 are studied. The positive dynamics of digital transformation are identified, which create challenges for modern enterprises both in the Ukrainian market and in the global market. The methodology and stages of assessing the effectiveness of digitalization of financial mechanisms of enterprises are considered. Given that digitalization can completely change existing processes at enterprises, it is necessary to assess the effectiveness of implementing transformational changes at each stage of their implementation. The article analyzes the activities of Nova Digital, which represents the modern company Nova Poshta and is a digital leader in the Ukrainian market. Based on the study, practical conclusions are drawn and recommendations are provided for other enterprises seeking to use digital solutions in financial management.

India is widely recognized as a “pharmacy of the world”, holding a profitable share of the global market. Intensification of competition among the pharmaceutical products and increasing market saturation influences the buying intentions, and buying behavior of the consumers positively or negatively, where the image of brands plays a pivotal role. Considering the role of brand image and its association with buying intentions and consumers buying behavior, the current study targeted to explore the impact of the brand image on buying intention, and buying behavior, as well as to analyze the mediation role of attitude between brand image and buying intentions of over-the-counter drug consumers in Haryana state. The research targeted on the most populated districts, Hissar and Faridabad, and utilized multistage-convenience sampling techniques to gain the responses on a 5-point Likert scale from 132 OTC drug analysis used SPSS software (version 23) and PLS-SEM (version 4) for analysis. The research work reported a significant and positive relationship between the image of brands, buying intentions (b-value: 0.0.230, t-value: 2.785, p-value: 0.005), and buying behavior (b-value: 0.369, t- value: 4.338, and p-value: 0.000). Furthermore, a significant (p-value 0.000) partial mediation role of attitude was analyzed between brand image and buying intentions. The research concludes that brand image significantly influences the consumers buying intentions, buying behavior and attitude serves as a mediation mechanism between image of brands and the buying intentions of consumers. The study remained limited to Haryana state and over-the-counter drugs only. The sample size was small 132 consumers. Employing a larger sample size across multiple states and countries may enhance the generalizability of the results. The study results will give insight to the marketing companies to develop new and refine the existing marketing strategies to improve the market share and to achieve organizational goals. From the social perspective positive image of brands will improve consumer confidence towards the brands and reduce the perceived risks, leading to the responsible usage of the over-the-counter drugs, which will further help to prevent drug abuse/misuse and to better handle emergency health conditions.