India’s financial inclusion has significantly improved during the last several years. In recent years, there has been a rise in the number of Indians who have bank accounts, with this figure believed to be close to 80% at present. Fintech businesses in India are progressively becoming more noticeable as the Government of India (GoI) continues to strive for expanding financial services to the underbanked sector of the population. To reach the underbanked segments of the population and provide a stable operating environment for fintech businesses, India must seek to increase financial inclusion. In this study, regression and correlation were employed, together with secondary data gathered from the RBI, to analyze this influence. The aim was to determine the impact of fintech and digital financial services on financial inclusion in India. According to the results, fintech businesses have significantly aided financial inclusion in this nation, especially for the middle class. These findings will be helpful for policy-makers working hard to bring every individual in this country into an organized financial system.

The introduction of sustainable development goals has made sustainability a top priority for most nations. This has raised the investment into the educational system for potential growth and for creating an innovation culture in any country; the role of institutional investors in the development of financing clean energy infrastructure, entrepreneurial development, poverty reduction, and driving corporate social responsibility and firm development has been found significant. An intensive literature search of Scopus and the web of science database was explored with different relevant sets of keywords “Institutional investors AND Education”, “Institutional investors” AND “Higher education”, which drew 29 final articles between 2010–2021. This scoping review draws a new open approach for creating alternative sustainable funding for the higher education system and investment opportunities for institutional investors with government intervention. This research becomes the first that shows the road map to the higher education system in creating alternative funding through the proposed Institutional Investor & Sustainable University Funding Governance Code, which will make the higher education system independent and ease the burden on the government, as well as create a huge market opportunity for both players. This research model will scope the collaborative approach towards sustainable development goal 4—Quality education.

Due to the COVID-19 pandemic, the worldwide education system has been severely affected, following the shutdown of schools and colleges/universities since March 2020 in order to prevent the spread of the virus. Conventional classrooms shifted to online classrooms which profoundly impacted teachers’ and students’ closed interaction, making a paradigm shift in the teaching-learning process, inter alia. Against such a backdrop, it is relevant to analyze the perception of students and the challenges of online classes during this ongoing COVID-19 outbreak. The present study is based on a quantitative and sample survey approach. The respondent sample of 385 secondary school students from grades 8 to 12 in Delhi have been collected through a Google Form Questionnaire. The study was conducted in the months of January and February 2021. Statistical techniques, such as Descriptive Statistics, Chi-Square Test, Factor Analysis, Reliability Test and Logistic Regression, were used for analyzing the data. The Logistic Regression result shows that the quality of Internet, prior knowledge of ICT, family income, mother’s education and the number of rooms are positively impacting online classes. The findings of the study revealed that, on average, students have positive perceptions towards online classes during the pandemic to maintain their academic growth. Nonetheless, they experienced several challenges in online classes. Thus, the outcome of this research study will encourage policy makers and educational institutes to handle online classes in a better way, by adopting the latest techniques of online classes and by training teachers and students continuously so that the teaching–learning process becomes more enjoyable and effective during this ongoing pandemic. The government must take certain remedial measures to overcome the challenges in online classes and reduce the digital divide so that no students will be left out.

One of the most significant areas of local government in the world is the municipality sector. It provides various services to the residents and businesses in their areas, such as water supply, sewage disposal, healthcare, education, housing, and transport. Municipalities also promote social and economic development and ensure democratic and accountable governance. It also helps in encouraging the involvement of communities in local matters. Workers of Municipalities need to maintain their services regularly to the public. The productivity of the employees is just one of the main important factors that influence the overall organizational performance. This article compares various machine learning algorithms such as XG Boost, Random Forest (RF), Histogram Gradient Boosting Regressor, LGBM Regressor, Ada Boost Regressor, and Gradient Boosting Regressor on the dataset of municipality workers. The study aims to propose a machine learning approach to predict and evaluate the productivity of municipality workers. The evaluation of the overall targeted and actual productivity of each department shows that out of 12 different departments, only 5 departments were able to meet their targeted productivity. A 3D Scatter plot visually displays the incentive given by the department to each worker based on their productivity. The results show that XG Boost performs best in comparison with the other five algorithms, as the value of R Squared is 0.71 and MSE (Mean Squared Error) is 0.01.

Purpose: This article aims to investigate the main drivers of mobile banking among Delhi–NCR consumers. The TAM (technological acceptance model) was used as a framework for this study. Only a few studies have looked at how online banking users in India plan to use other similar services, such as m-banking. In order to do this, a theoretical model was made using the technology acceptance model. This model was then expanded to include the factors that make m-banking users more likely to use mobile banking. These adoption factors include the feeling of being watched, the ability to do things on your own with a mobile device, social dominance, and the role of customer support as a mediator. The use of m-banking is the thing that matters. Scope: In the last two decades, digital mobile devices have become the primary preferred method of consumer communication. Throughout the past year, mobile banking has become increasingly popular. The increasing number of smartphones in use, as well as the government’s push for cashless transactions, provide an opportunity for the Indian banking industry to rapidly expand its usage of mobile and online banking. Methodology: The data were collected through a structured questionnaire distributed to 376 respondents from different sustainable investment classes. The use of convenience sampling was imposed. Structure equation modeling (SEM), reliability, convergence, discriminate validity, and model fitness were achieved through SmartPLS 3. Findings: The study found that the adoption factors had a significant impact on perceived surveillance, mobile self-reliance, and social domination and mediating role of customer support to use mobile banking. These latest findings will inform banks and financial institutions on the rise of m-banking in India, as well as provide insight into digital banking channels and add to the literature on the topic of digital banking adoption.