In a rapidly digitizing country, Digital Financial Services (DFS) hold the promise of bringing financial inclusion to the last mile. Through the use of DFS, vulnerable and marginalized groups can reduce the risk and cost of using cash, and increase their access to a suite of financial services that would have been otherwise unavailable, or difficult to obtain, such as credit, savings, insurance, and

Financial wellness is regarded as a significant constituent of the overall well-being of individuals. Financial wellbeing is defined as having financial security and freedom of choice, in the present and in the future. This has a direct correlation to overall wellbeing: including productivity experienced at work, quality of relationship, quality of health and hence quality of life. Financial wellness

Businesses are getting increasingly regulated. Regulatory compliance is a board level concern and one of the top-3 CEO level concerns across business verticals. Failure to comply leads not only to heavy fines but reputational risk too. Current practice of regulatory compliance is document-centric, and therefore, heavily reliant on human experts. Given the large size of modern enterprises, their multi-geography

Cryptocurrencies are an innovation that brings together computing, networking and an incentive regime to create secure, decentralized, peer-to-peer digital currency that lends itself to be used as a medium of exchange and as storage of value. Most Central Banks have been reluctant to permit cryptocurrencies considering risks to the financial system, and have veered towards Central Bank Digital Currency

Palm Leaf Manuscripts hold the knowledge of India dating back to several centuries. Therefore, Palm Leaf manuscripts are valued as Saaswathaiswaryam, implying eternal (Saaswath [Sanskrit word meaning Eternal, Forever]) wealth (Aiswaryam [Sanskrit word meaning wealth]). But the Palm Leaf manuscripts are in different conditions- brittle, moth-eaten, edge-damaged, portions broken, etc. Besides, the leaves

Being a Teacher is a spiritual experience. One not only experiences happiness and satisfaction, but also imparts them to students who are listening. In this article, the author tries to capture the splendor of the classroom experience that practices the ideal form of teaching–learning process. The basis is the prescriptive methods given to this world by Adi Shankaracharya.

We have spent five decades and four decades respectively, in the field of higher education. The information chronicled in this paper represents our collective understanding and wisdom acquired therefrom. We describe ‘the desirable way’ for generations to come, after witnessing changes for the better and for the worse. Our emphasis is on holistic view, be it learning, research, technology, commerce

Every institution has a glorious beginning and SCSVMV is no exception. SCSVMV today is a Deemed to be University par excellence rooted in the Indian tradition, knowledge, and belief, but scientific in its thinking, as ordained by Adi Shankaracharya Ji Maharaj who is the fountainhead of knowledge and who has authored many voluminous works that explain from the working of a soul to the existence of the

We have developed an educational model of power compensated differential scanning calorimeter with a few modifications for the science students of academic institutions. In order to demonstrate the instrumentation and analytical aspects involved in the system, all the building blocks are constructed using local industry and are explained in detail. A few deviations from the conventional model have

As part of the programme to develop low-cost instruments for use in educational institutions, we have developed a heat-flux differential scanning calorimeter (HF-DSC). We have used low cost components for building the parts of the calorimeter and they were fabricated by the local industries. The paper describes the design and construction of the calorimeter and measurement electronics in detail. The

Changes in the operating ambience is normally welcome. But the change world is facing is accompanied by an unacceptable reason called Covid virus spread. However, educational institutions, while observing the norms imposed by various administrations, have managed to do an excellent job of ‘teaching’ against the odds. Moreover, everyone was caught by surprise. Overnight the world changed. We decided

Corona Virus Disease (Covid 19) is a highly infectious disease declared as pandemic by WHO. Due to its fast spreading nature this is creating a threatening situation throughout the world. Breaking the chain of transmission by keeping social distancing along with maintaining strict personal hygiene is the only way to control the spread of the disease. The panic situation created by the disease along

Electroencephalographic (EEG) signals are non-invasive means of measuring brain functions. EEG has been used in areas ranging from analysis of neurological disorders, emotional states and sleep pattern to Brain Machine Interface. Here we study cognitive functions from a limited set of daily activities of normal human subjects. For this purpose, we utilize EEG signal obtained from prefrontal cortex

The strength of cryptographic techniques depend on the security of keys and on the strength of encryption algorithms. In symmetric key encryption, two communicating parties share a secret key that should not be known to others. Furthermore, frequent key changes are needed to avoid the attackers from learning the key. Most of the networks are now connected to the Internet and all the information, including

Beamforming algorithms are designed for generating main beams in the direction of interest and place nulls in the direction of interferences. Adaptive beamforming can be achieved by various optimization criteria. The criteria for an efficient design of algorithm is the speed of convergence, deeper null placement, better signal to noise ratio, and robustness. Motivated by the reduction in the computational

This research work concentrates on developing new methodologies for weak signal detection, which are further used in the watermark detection application. The proposed detectors perform comparable to or better than most of the state-of-the-art techniques.Stochastic resonance plays a significant role in weak signal detection. Injection of precalculated noise is a big concern for us. Noises i.e., symmetric

In this article, we summarize the research conducted for YFRFs of Visvesvaraya PhD Programme. The research work is mainly focused on the design and analysis of wireless communication networks. We also explore the spectral and energy efficiency aspects of future generation networks like smart grid communications. This research is useful for improving the performance of current and future generation

Due to the increasing demand for battery-operated mobile devices in the market, low power consumption inside the chip is an essential ingredient during the chip design. Static and dynamic monitors are needed to achieve low power in modern chips. The static or process monitor provides information about global and local process variation inside the chip. The dynamic or in situ monitor provides information

In this paper, some of the recent developments, aiming at building human-like Conversational Artificial Intelligence (AI) agents, have been presented very briefly. These robust dialogue systems are capable in dealing with the various affect attributes, such as sentiment, emotion, and courteousness. Firstly, the motivation, background and impact of these new frontiers of Artificial Intelligence (AI)

Increasing volumes of offline/online data has thrown diverse challenges. Availability of the data has made the researchers to urge for new paradigms to analyze data to gain useful insights from it. Such analysis can be helpful for predictions in various domains such as medical informatics, cyber security, fraud detection etc. Further, problem of overloaded information is that it leads to over-choice

Detecting presence of proteins in a given sample is an essential part of diagnostics. The use of the avidin–biotin interaction is becoming an increasingly common method for the detection of proteins. Among avidin group, Streptavidin forms strongest non-covalent biological interaction with biotin. Therefore, it is stable in wide range of temperatures and exhibits similar binding as antigen–antibody

In recent days, our Indian nation moves towards “Make in India” and “Digital India” concepts. To make those concepts go live, the proposal aims at the development of an indigenous embedded system for the real time acquisition of the missile position when it is ready to be launched. The system to be developed will also communicate from the Missile Launch vehicle to the control center. It displays the

The healthcare domain in India is rapidly evolving with multiple healthcare and Hospital Management Information Systems (HMIS) being deployed at various medical facilities. However, aggregation and analytics on standardized healthcare datasets is possible only when these isolated systems are integrated on a common platform for exchange of patient Electronic Health Record (EHR) and data interoperability

Security of wireless sensor networks is a major issue to protect sensor nodes from the attacker. Key management or key pre-distribution (KPS) is the preliminary step in the security of a sensor network, where secret keys are loaded into the sensor node’s memory before placement of the node in target positions. Various schemes for KPS have been proposed for location dependent as well as location independent

The idea is to develop nanostructure based biosensing platforms as commercial diagnostic tools for early stage non-invasive virus detection to enhance the selectivity from the existing electrical biosensors by introducing additional electrical signatures and correlating electrical characterization data with other proteomics characterization results. The aim of this proposed research is the performance

Physically unclonable function (PUF) is one of the most advocated security primitives which extracts the uncontrollable intrinsic physical property of the fabrication process to generate secret bits for authentication, random number generation and key generation. Ring oscillator (RO) PUF is the widely adopted PUF design to implement in FPGA platform, but it is highly error prone to environmental noise

To overcome the limitation of unconstrained environment in face recognition, a modified algorithm using curvelet and DCNN (Madarkar and Sharma in J Intell Fuzzy Syst 38(5):6423–6435, 2020) is proposed. First, the curvelet transform of the face image is taken to obtain low frequency and high frequency components and DCNN are trained to make the image more robust to background and other changes. This

Global warming is one of the most alarming phenomena facing our planet today. There is a consensus among scientists that human-induced greenhouse gases (GHGs) should be regulated to slow down the heating of the Earth’s oceans and atmosphere. Energy consumption and CO2 emissions are continuously increasing in different countries, especially developing ones such as India, whose emerging economy and rapid

This paper presents a new feature extraction method called sum and difference histograms of elliptical local ternary pattern (SDH-ELTP) for face image retrieval. This technique first calculates sparse local ternary pattern (LTP) in an elliptical shaped neighborhood and then higher order statistical texture information is extracted via sum and difference histograms (SDH) of elliptical LTP features.

Present paper aims to study the comparative analysis of the sensing performance between three fabricated metal oxide based ternary hybrid device structures [Pd/RGO/TiO2-nanotubes (NTs), Pd/RGO/MnO2 nanoflowers (NFs) and Pd/RGO/WO3-nanoflowers (NFs)]. In each of the ternary structure, the oxide nanostructure play the role of basic sensing matrix where due to extremely high surface to volume ratio of

Extraction of positive or negative opinions from any online content has received more consideration from researchers during the past decade, since the number of internet users that actively use online review sites, social networks and personal blogs to express their opinions has been growing. Sentiment analysis is the study of automated techniques for extracting sentiments from written languages making

This paper reviews the need of a high performance wireline communication in the background of wirelessly connected billions of sensor nodes by 2020s. It compares the performance of the state-of-the-art wireline transceivers and underlines the challenges in improving the performance in the midst of tapering in CMOS technology scaling. This paper elaborates on the ongoing research to track the increasing

Software engineering is indicative of two vital elements related to software. It deals with the creation and maintenance of actual software. Software engineering research also revolves around the tools to create software, comprehending its nature and usage. Empirical software engineering deals with the empirical observation of software engineering relics and the empirical validation of software engineering

In this work a lead free perovskite solar cell structure is proposed with NiO as the hole transport material (HTM), CH3NH3SnI3 as the perovskite absorber material and PCBM (phenyl C61 butyric acid methyl ester) as the electron transport material (ETM). Numerical analysis of the designed solar cell is performed using Solar Cell Capacitance Simulator (SCAPS-1D) program. The power conversion efficiency

In this work, we have proposed an intelligent and secure transceiver design and implemented over RF testbed for future wireless communication. To secure the communication, first of all, physical layer security (PLS) has been proposed for underlay multiple-input multiple-output cognitive radio network (MIMO-CRN) by using a bi-directional zero-forcing beamforming. Secondly, (PLS) has been proposed by

Our proposed research aims to empower the wireless applications with the renewable energy sources and the emerging communication technologies to promote the green economy in a more efficient, reliable, and sustainable manner. It seeks to address the system performance, planning, and resource allocation problems by exploiting cooperation among available network re-sources with renewable energy sources

In the past few decades, the demand for electricity has increased substantially. A number of factors affect this rapid rise in electricity demand. With this increased demand the role of transmission network becomes crucial for suitable operation, especially under restructured environment. The different limitations such as stability limit, voltage limit and thermal limits enforce restrictions on power

A vital challenge for 5G and beyond wireless communication system is to meet the ever-growing demand for high-speed data with massive connectivity with low latency. In this report, the research outcomes of four key technologies, namely cognitive radio, non-orthogonal multiple access in heterogeneous networks, wireless caching and massive MIMO are explored for 5G and beyond systems. The key ideas for

Recently, cross-layer optimization has been emphasized by researchers for Internet of Things (IoT) where billions of devices communicate intelligently making every day communication highly informative. Medium Access Control (MAC) sub-layer is part of data link layer in IoT protocol stack. The energy consumption of things is greatly affected by MAC protocol which controls the node radio functionalities

Certificate-less (CL) signature schemes were presented to deal with key escrow issue in ID based signature. In recent years a number of digital signatures schemes with bilinear pairing have been presented to maintain information security and integrity. Acutely, the greater part of them endure intent security invasion. They don’t enforce in terms of computing and dissemination complications. Many researchers

Smart city applications is not just limited to the use of technology in building better cities and improving the citizens’ quality of lives. In reality, it is capable of building comprehensive solutions for the development of sustainable communities, irrespective of being urban or rural. Different communities will have their own dynamics and complexity, some communities are widespread and distributed

III-nitride wide bandgap semiconductors such as alloys of (Al, Ga, In) N play a vital role in high frequency, power electronics, and opto-nanoelectronics applications. Apart from this recently, wide bandgap semiconductor, β-Ga2O3 has attracted the attention of worldwide researchers as an alternative of GaN substrates due to its low-cost processing and wide availability of large scale wafers. Due to

From the last few decades, a lot of research work has been conducted to develop wireless sensor networks (WSN) for wide variety of applications such as agriculture and environment monitoring, healthcare, military applications etc. Nowadays, the academicians and researchers are working on resolving various research issues in this technology domain. A few of the research issues faced by researchers’

The use of machine learning techniques in programmable networks can create the next generation of smart networks. This article was derived from an invited talk by Sujata Banerjee at the ICSDN conference in August 2019. The talk covered a variety of research challenges involved in applying machine learning techniques in programmable networks.

Multi-access edge computing (MEC) is an extension of cloud computing technology to provide an application deployment platform close to the end users. This platform helps to deploy real-time, compute and resource-intensive applications like video caching, augmented reality, virtual reality, and Internet of Things at the edge. MEC enhances the performance of 4G and 5G networks since it achieves reduced

In pattern recognition, identifying Kannada handwritten numerals are a complex knot. This paper portrays an avenue that pikes us to attain a most potent Kannada Numerals recognition process. In this, handwritten Kannada characters are captivated in document fashion and are subjected to Pre-processing and attribute extraction processes. Pre-processing entails steps like noise removal, binarization,

Software Defined Networking (SDN) and Network Functions Virtualization (NFV) are the two fundamental paradigms that introduce concealed flexibility in communication systems. 5G has adopted SDN/NFV to make Network Functions (NFs) as virtualized software modules which run on top of commodity hardware. 5G aims to expand its reach to various business verticals and serve diverse users using network slicing

In this paper, we present a short survey of programmable networks starting from pre-Software Defined Networking efforts to the more recent programmable data-plane. In particular, we highlight the benefits of data-plane programmability and present some of the challenges and future research directions.

Network requirements are evolving as more and more verticals have started using Internet. This will require operators to build a dynamic and virtualized network consisting of routers, switches and compute servers. This dynamic network can then offer service beyond just bandwidth services called "slices" which can be customized for each industry vertical. This paper discussed the various charecteristics

In this talk, we examine change and the rate of change from antiquity to the present, and we extrapolate to the future. We draw on the measures of social development due to historian Ian Morris. This shows that we are in an age of exponentially-increasing rate of change that will only increase unpredictably in the future. This necessitates a flexible architecture for the Internet to handle the future

The number of actions at a user’s disposal in the digital arena is on the rise; the number of technologies available to track users’ activities in an organisation are on the rise; the volume of information logged using such technologies are on the increase. And yet, the number of security incidents recorded per unit time is also on the rise. While there is greater awareness in the community and a plethora

The present research work attempts to develop a Smart Residential Electricity Distribution System (SREDS) for enabling Smart Residences (SR) to participate in Demand Response (DR) schemes of Power Distribution Company (PDC) with either Flat Rate tariff, Time of Use tariff or Real Time Pricing. SREDS includes a Smart Energy Meter (SEM) enabled with Internet of Things, an Intelligent Residential Load

Unraveling the mechanisms that regulate gene expression is a major challenge in biology. An important task in this challenge is to identify regulatory elements, especially the binding sites in deoxyribonucleic acid (DNA) for transcription factors. These binding sites are short DNA segments that are called motifs. The motifs are short, recurring patterns in DNA sequences that are presumed to have a

In this article, I have briefly described one of my research areas namely text summarization. The problem definition, state of the art techniques and some preliminary results are presented. There are different types of summarization systems available like document summarization, microblog summarization, multimodal summarization, figure-assisted summarization. These different areas are described briefly

With a growing interest in the Internet of Things (IoT), the businesses are undergoing a revolution in the way they monitor and control. In the recent past, many applications were developed using the IoT system architectures in various business verticals such as industrial, healthcare, farming, transportation, etc. However, with the development of low-complex artificial intelligence frameworks which

The proposed work describes a novel way to use the existing communication infrastructure based sensing to monitor the change in the environment (CommSense). The key idea to this technology lies in focusing on already known information from received signal e.g. Pilot carriers in the communication signal frames. Comparing the received signal with the expected properties of the pilot, we can get an estimate

In this article, the overview of the following research works are described. (1) Multi-spectral image analysis: discrimination of changed and unchanged pixels in the multi-temporal satellite images using the unsupervised techniques like Otsu’s thresholding of local neighborhood information based technique; local binary similarity pattern descriptor based technique, (2) Hand gesture recognition: static

Due to the rapid advances of technologies, the scaling of parameters are decreasing. In VLSI (Very Large Scale Integration) technology, the feature size of integrated circuits (IC) has driving reduced in terms of power, speed, area and cost characteristics. The decreasing the sizes in sub-quarter microns, spacing between the components on-chip VLSI design and the signal switching time in terms of pico

Amount of information exchange in modern technology era is increasing rapidly for accommodating both correlated and non-correlated contents. This can be best handled by filling the data as associations (linked data in a pre-defined order), rather than just indexing. Through association, available data are divided into related subsets and stored in a linked fashion. Content addressable memory (CAM)