The Impact of IoT on Personal Finance Management: Empowering Individuals in the Digital Age
This paper examines the transformative impact of the Internet of Effects (IoT) technologies on pa... more This paper examines the transformative impact of the Internet of Effects (IoT) technologies on particular finance operations, pressing how these empower individuals in the digital age. By integrating IoT bias and operations, druggies gain real-time perceptivity into their fiscal conditioning, enabling further informed decision-timber and enhanced fiscal control. The study explores colorful IoT operations, including smart budgeting tools, automated savings programs, and real-time expenditure shadowing, which inclusively ameliorate fiscal knowledge and discipline. likewise, the paper discusses the eventuality of IoT to grease flawless deals and substantiated fiscal advice, thereby promoting better fiscal health. Through comprehensive analysis, the findings emphasize the significant part of IoT in standardizing access to fiscal operation tools, eventually fostering lesser fiscal independence and security for individualities. The exploration concludes that IoT not only enhances the effectiveness of particular finance operation but also supports the broader thing of fiscal addition in the digital period.
Journal of Informatics Education and Research, 2024
This paper examines the transformative impact of the Internet of Effects (IoT) technologies on pa... more This paper examines the transformative impact of the Internet of Effects (IoT) technologies on particular finance operations, pressing how these empower individuals in the digital age. By integrating IoT bias and operations, druggies gain real-time perceptivity into their fiscal conditioning, enabling further informed decision-timber and enhanced fiscal control. The study explores colorful IoT operations, including smart budgeting tools, automated savings programs, and real-time expenditure shadowing, which inclusively ameliorate fiscal knowledge and discipline. likewise, the paper discusses the eventuality of IoT to grease flawless deals and substantiated fiscal advice, thereby promoting better fiscal health. Through comprehensive analysis, the findings emphasize the significant part of IoT in standardizing access to fiscal operation tools, eventually fostering lesser fiscal independence and security for individualities. The exploration concludes that IoT not only enhances the effectiveness of particular finance operation but also supports the broader thing of fiscal addition in the digital period.
Abstract
During the period of lockdown in covid-19, the street vendors have faced many difficult... more Abstract
During the period of lockdown in covid-19, the street vendors have faced many difficulties because they are not allowed to do his business or have limited time for business which is not suitable for them. Most of the street vendors used to do his business at evening or night and government’s restrictions restricted him to do so. Many street vendors and small businessmen either changed their business or added more things with their existing products for their survival and livelihood. Out of those, many street vendors survived and many closed their businesses and shifted to jobs etc. Whoever technically sounds and have proper idea and ability to Work, established their business and otherwise failed. On the basis of our survey, it can be said only 6% street vendors and small businessmen changed their business and many street vendors (82%) increased their time of business. Although it has positive and negative both impact on economy as well as for these type of businessman. On some, where changing of the business has given a better path it has positive impact whereas some of them faced very negative impact and facing challenges for survival.
Key words: Street vendors, covid, livelihood, employment
Establishment of the new business is very important for any developing country. Basically, for th... more Establishment of the new business is very important for any developing country. Basically, for those, who are facing problem of unemployment. In India, there is scarcity of new entrepreneurs. For establishment of a new business, it is important to assist the entrepreneurs as financial assistance because finance is the life blood of any business. This study is based on how Pradhan Mantri Mudra Yojana (PMMY) is helpful for establishment of new business as well as expansion of the existing business in India. To understand the performance of the scheme data has been collected through various reports of banks and reports of Mudra Yojana presented on official website of the government. Result of the study shows the loan under 'Shishu' category is benefited to the most of the beneficiaries. Although the amount of Tarun and Kishore is higher, So, it is somehow risky also. Under this scheme, various private sector banks and NBFCs are also included. So the private banks would definitely not take more risk. When we see the result as rural area wise and urban area wise the scheme benefited to most the urban population. The scheme is not as much as benefitted to the rural citizens as it was expected.
Fintech stands for financial technology, it is a term referring to software, mobile application, ... more Fintech stands for financial technology, it is a term referring to software, mobile application, and other technologies created to improve and automate traditional forms of finance for business and consumer alike. Fintech includes everything from a simplified mobile payment system to complex blockchain networks encrypted transactions. The use of Fintech is increased more after the attack of COVID-19. Many persons changed their payment methods and educational methods by willingly or by somehow unwillingly from offline mode to online mode. Fintech services are fastest growing in India for banking and non banking financial services and Fintech services are going to change the habits and behavior of the Indian financial sector. Fintech is widely used in investment sector also and the growth rate is very high because of its instant payment system. This study is primarily focused on the challenges and opportunity by using Fintech. Instead of one point, it is good for instant payment system and delivering services instantly but from the other point it can be misused by fraudster and others.
The Impact of IoT on Personal Finance Management: Empowering Individuals in the Digital Age
This paper examines the transformative impact of the Internet of Effects (IoT) technologies on pa... more This paper examines the transformative impact of the Internet of Effects (IoT) technologies on particular finance operations, pressing how these empower individuals in the digital age. By integrating IoT bias and operations, druggies gain real-time perceptivity into their fiscal conditioning, enabling further informed decision-timber and enhanced fiscal control. The study explores colorful IoT operations, including smart budgeting tools, automated savings programs, and real-time expenditure shadowing, which inclusively ameliorate fiscal knowledge and discipline. likewise, the paper discusses the eventuality of IoT to grease flawless deals and substantiated fiscal advice, thereby promoting better fiscal health. Through comprehensive analysis, the findings emphasize the significant part of IoT in standardizing access to fiscal operation tools, eventually fostering lesser fiscal independence and security for individualities. The exploration concludes that IoT not only enhances the effectiveness of particular finance operation but also supports the broader thing of fiscal addition in the digital period.
Journal of Informatics Education and Research, 2024
This paper examines the transformative impact of the Internet of Effects (IoT) technologies on pa... more This paper examines the transformative impact of the Internet of Effects (IoT) technologies on particular finance operations, pressing how these empower individuals in the digital age. By integrating IoT bias and operations, druggies gain real-time perceptivity into their fiscal conditioning, enabling further informed decision-timber and enhanced fiscal control. The study explores colorful IoT operations, including smart budgeting tools, automated savings programs, and real-time expenditure shadowing, which inclusively ameliorate fiscal knowledge and discipline. likewise, the paper discusses the eventuality of IoT to grease flawless deals and substantiated fiscal advice, thereby promoting better fiscal health. Through comprehensive analysis, the findings emphasize the significant part of IoT in standardizing access to fiscal operation tools, eventually fostering lesser fiscal independence and security for individualities. The exploration concludes that IoT not only enhances the effectiveness of particular finance operation but also supports the broader thing of fiscal addition in the digital period.
Abstract
During the period of lockdown in covid-19, the street vendors have faced many difficult... more Abstract
During the period of lockdown in covid-19, the street vendors have faced many difficulties because they are not allowed to do his business or have limited time for business which is not suitable for them. Most of the street vendors used to do his business at evening or night and government’s restrictions restricted him to do so. Many street vendors and small businessmen either changed their business or added more things with their existing products for their survival and livelihood. Out of those, many street vendors survived and many closed their businesses and shifted to jobs etc. Whoever technically sounds and have proper idea and ability to Work, established their business and otherwise failed. On the basis of our survey, it can be said only 6% street vendors and small businessmen changed their business and many street vendors (82%) increased their time of business. Although it has positive and negative both impact on economy as well as for these type of businessman. On some, where changing of the business has given a better path it has positive impact whereas some of them faced very negative impact and facing challenges for survival.
Key words: Street vendors, covid, livelihood, employment
Establishment of the new business is very important for any developing country. Basically, for th... more Establishment of the new business is very important for any developing country. Basically, for those, who are facing problem of unemployment. In India, there is scarcity of new entrepreneurs. For establishment of a new business, it is important to assist the entrepreneurs as financial assistance because finance is the life blood of any business. This study is based on how Pradhan Mantri Mudra Yojana (PMMY) is helpful for establishment of new business as well as expansion of the existing business in India. To understand the performance of the scheme data has been collected through various reports of banks and reports of Mudra Yojana presented on official website of the government. Result of the study shows the loan under 'Shishu' category is benefited to the most of the beneficiaries. Although the amount of Tarun and Kishore is higher, So, it is somehow risky also. Under this scheme, various private sector banks and NBFCs are also included. So the private banks would definitely not take more risk. When we see the result as rural area wise and urban area wise the scheme benefited to most the urban population. The scheme is not as much as benefitted to the rural citizens as it was expected.
Fintech stands for financial technology, it is a term referring to software, mobile application, ... more Fintech stands for financial technology, it is a term referring to software, mobile application, and other technologies created to improve and automate traditional forms of finance for business and consumer alike. Fintech includes everything from a simplified mobile payment system to complex blockchain networks encrypted transactions. The use of Fintech is increased more after the attack of COVID-19. Many persons changed their payment methods and educational methods by willingly or by somehow unwillingly from offline mode to online mode. Fintech services are fastest growing in India for banking and non banking financial services and Fintech services are going to change the habits and behavior of the Indian financial sector. Fintech is widely used in investment sector also and the growth rate is very high because of its instant payment system. This study is primarily focused on the challenges and opportunity by using Fintech. Instead of one point, it is good for instant payment system and delivering services instantly but from the other point it can be misused by fraudster and others.
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Papers by Prince Jaiswal
During the period of lockdown in covid-19, the street vendors have faced many difficulties because they are not allowed to do his business or have limited time for business which is not suitable for them. Most of the street vendors used to do his business at evening or night and government’s restrictions restricted him to do so. Many street vendors and small businessmen either changed their business or added more things with their existing products for their survival and livelihood. Out of those, many street vendors survived and many closed their businesses and shifted to jobs etc. Whoever technically sounds and have proper idea and ability to Work, established their business and otherwise failed. On the basis of our survey, it can be said only 6% street vendors and small businessmen changed their business and many street vendors (82%) increased their time of business. Although it has positive and negative both impact on economy as well as for these type of businessman. On some, where changing of the business has given a better path it has positive impact whereas some of them faced very negative impact and facing challenges for survival.
Key words: Street vendors, covid, livelihood, employment
During the period of lockdown in covid-19, the street vendors have faced many difficulties because they are not allowed to do his business or have limited time for business which is not suitable for them. Most of the street vendors used to do his business at evening or night and government’s restrictions restricted him to do so. Many street vendors and small businessmen either changed their business or added more things with their existing products for their survival and livelihood. Out of those, many street vendors survived and many closed their businesses and shifted to jobs etc. Whoever technically sounds and have proper idea and ability to Work, established their business and otherwise failed. On the basis of our survey, it can be said only 6% street vendors and small businessmen changed their business and many street vendors (82%) increased their time of business. Although it has positive and negative both impact on economy as well as for these type of businessman. On some, where changing of the business has given a better path it has positive impact whereas some of them faced very negative impact and facing challenges for survival.
Key words: Street vendors, covid, livelihood, employment