Digital transformation underscored by the fourth industrial revolution has led to the emergence of sophisticated technology-enabled financial services known as fintech, that has swiftly altered traditional financial services space. Global adoption of fintech is rapidly increasing due to its disruptive nature and is largely embraced by participants who are underserved by traditional financial service providers. Global investments in fintech are growing rapidly year by year owing to increased interconnectivity with the digital revolution. Fintech is expansive, engulfing a plethora of innovative applications in various services including payments, financing, asset management, insurance, etc. There exists a gap in the literature and visualization research on impact and future pathway of fintech innovations in payments and financial services and role of financial regulations. This study aims to enrich the understanding of fintech innovations in payments and financing and investigate the correlation and significance of regulatory framework in maintaining a fair ecosystem. With this objective, an extant systematic review was performed using research articles published in peer-reviewed journals for the period 2014–2022 when there has been a burgeoning of interest in ‘fintech’ globally. The findings of this study contribute to the theoretical constructs of fintech innovations in the financial services industry and show that such innovations play a crucial role in shaping the nature of future of business. The results of this study have implications for researchers who could deploy this research as a reference point to get a holistic insight and a detailed mapping of innovations in fintech.

The agile approach is a timeboxing approach wherein the entire project is broken down into smaller tasks of user stories that iterate continuously to improve from feedback obtained frequently. Agile methodology in the right blend of its values and principles can be used in a dynamic environment to manage cross-functional teams for faster and effective decision-making. Flexibility is of prime importance in the agile approach which helps organizations to thrive in rapidly emerging market conditions. The timeliness and cost-effectiveness provided by the agile methodology give a competitive edge to the organizations employing it. Fast-evolving consumer trends and market needs were contrasted by lengthier project timelines of other traditional methodologies. This created the need for methods that provide faster outputs at their fullest potential for the organizations to retain their customers and position in the market which motivated this research. Yet, a huge research gap exists in the area concerning the development of agile methods. This article aimed to provide a deeper understanding of how agile can be used to solve the complexities of the current day market conditions along with its widespread applications in various industries through a systematic literature review of past research work. Further, this review also aims at explaining the impediments of adopting agile methodology in any sort of organization under any given circumstances. During the study, it was found that there were several definitions and frameworks of agile that have been proposed in different forms. This review has tried to provide a consolidated concept of the agile approach presented to date.

The rapid advancement of artificial intelligence (AI) is transforming the global tourism industry, offering new opportunities for service personalization and enhanced customer experiences. AI-driven personalization is rapidly reshaping the tourism industry by tailoring services to meet individual customer preferences. In India, this technological advancement is particularly impactful, offering significant potential to improve tourist satisfaction and business performance. This research article investigates the Impact of AI-driven personalization on the tourism industry in India, focusing on how AI technologies can enhance tourist experiences and improve the performance of tourism businesses. The study explores the implementation of AI tools such as recommendation engines, chatbots, and predictive analytics in customizing tourism services to meet individual preferences and needs. It aims to provide a comprehensive understanding of the benefits and challenges of AI-driven personalization in the context of India's diverse and rapidly growing tourism sector.

Technology has disrupted many industries from the start of Industrialization era to the Industry 4.0 era. There has been an exponential growth in the technological front and people are talking about Industry 5.0. Digital transformation is a critical direction in which organizations will have to move toward in order to succeed in this competitive world. To make a smooth transition, firms must understand the basic building blocks of the digital transformation process and the key areas it touches upon namely customer experience, operational process and dynamic business models. Organizations will also have to identify the enablers of digital transformation which they can work on to smoothen the transformative process. Firms will also need the framework of digital transformation spelling out the roadmap for effective digital transformation. Firms on the urge to go for digital transformation will face numerous challenges in all the stages of implementation namely the initiation phase, the execution phase and the governance phase. A clear understanding of these challenges will help the firms to overcome or mitigate these challenges and be successful in their digital transformation process.