DIGITAL BANKING AND INVESTMENT ACCESS: ENHANCING FINANCIAL LITERACY IN THE U.S

Joel Adetokunbo1; Folasade Idowu2; Joel Adetokunbo1; Folasade Idowu2; Joel Adetokunbo1; Folasade Idowu2; Joel Adetokunbo; Mr. Abrar Hussain; Mr. Ayub Ahmed K S; Dr. Muddasir Ahamed Khan N; Mrs. Razia Kousar; Prof: Wei Zhao; Ibrahim Qaous; Vikas Chagotra; Dr. Vijay Kumar; Adapally Yashaswee; Dr. Sheetalrani R Kawale1; Soumya R Ganji2; Pooja Kallappagol3; Dang Chanh Tin; Adiba Maniyar1 Syeda Bibi Javeriya2; वीरेंद्र सिंह; G. Praveen Babu; Agawale Abhishek Singh; Archana Maurya; Heena Godwani; Ravi Shrivastava; MAMIDI VAMSI 1; G. PRAVEEN BABU2; VITALIS MDOE; Esq; Ahmed Bashammakh; Mohammed Balubaid; Kamal Naghili; Felix Quentin Biketi; Rajsharavan Senthilvelan; Michael Burns; Muhammad Zeeshan Naseer Lilla; Ayesha Mukhtar; Narayan Nath; Takudzwa Humphreys Sambo; Sanjeev Kumar; Dr. Vijay Kumar; Michael Burns; Dr. D. Shoba Rani; D. Shashikala; M. Maruthi Rao; PC Prakash; M. Naveen; K. Suresh; Rajsharavan Senthilvelan; Mr. Abrar Hussain; Dr. Muddasir Ahamed Khan N; Ms. Deechan Nuden Lama; Mrs. Razia Kousar; GAJENDRA SINGH NARUKA; DR. RENU SHUNGLOO; Pawankumar Suresh; Sofiat O. Ajide; Mr. Abrar Hussain; Dr. Muddasir Ahamed Khan N; Ms. Ashwini T G; Mrs. Razia Kousar; V. J. Sweadha1; A. S. Janani2; B. Gopika3; 4S. Anas; Rajsharavan Senthilvelan; Dang Thanh Chien; Sue Rodríguez; Marko Guglielmi Reimmortal; Oladayo Oluleye; Mayowa Omidiji

doi:https://doi.org/10.5281/zenodo.17033174

September 2025 Issue

About this Issue: The September 2025 issue of IJETRM publishes peer-reviewed research papers in Engineering, Technology, Artificial Intelligence, Computer Science, Management and Applied Sciences.

S.NO	Title / Author	PDF
21	LEVERAGING ARTIFICIAL INTELLIGENCE FOR SMARTER BUSINESS DECISION-MAKING: OPPORTUNITIES AND RISKS Author: Rajsharavan Senthilvelan https://doi.org/10.5281/zenodo.17123216
22	BEYOND YOUR HORIZON: HOW TO GROW BEYOND THE LIMITS OF YOUR UPBRINGING Author: Michael Burns https://doi.org/10.5281/zenodo.17131118
23	THE PSYCHOLOGY OF VIRAL CONTENT HOW EMOTIONAL TRIGGERS (AWE, ANGER, NOSTALGIA) DRIVE VIRALITY ON PLATFORMS LIKE TIKTOK, INSTAGRAM, AND YOUTUBE Author: Muhammad Zeeshan Naseer Lilla, Ayesha Mukhtar https://doi.org/10.5281/zenodo.17131364
24	ARTIFICIAL INTELLIGENCE IN BANGLADESH: ANTICIPATED SOCIOECONOMIC CHALLENGES AND POLICY RESPONSES Author: Narayan Nath https://doi.org/10.5281/zenodo.17132012
25	NLP-Based Multilingual Chatbots for Farmer Advisory Systems Author: Takudzwa Humphreys Sambo https://doi.org/10.5281/zenodo.17136502
26	YOUTH, NEW MEDIA, AND CULTURAL CHANGE: A SOCIO-CULTURAL PERSPECTIVE OF CHAMBA (HIMACHAL PRADESH) Author: Sanjeev Kumar, Dr. Vijay Kumar doi.org/10.5281/zenodo.17142836
27	THE PARADOX OF CONNECTION: WHY HYPER-CONNECTIVITY BREEDS LONELINESS AND HOW TO RECLAIM REAL INTIMACY Author: Michael Burns https://doi.org/10.5281/zenodo.17143328
28	CEREBRAL INFARCTION FORECASTING USING DEEP LEARNING: A CNN APPROACH Author: Dr. D. Shoba Rani, D. Shashikala, M. Maruthi Rao, PC Prakash, M. Naveen, K. Suresh https://doi.org/10.5281/zenodo.17143495
29	DIGITAL TRANSFORMATION IN SMALL AND MEDIUM ENTERPRISES (SMES): BARRIERS, STRATEGIES, AND FUTURE OUTLOOK Author: Rajsharavan Senthilvelan https://doi.org/10.5281/zenodo.17144757
30	IMPACT OF ARTIFICIAL INTELLIGENCE ON THE PRODUCTIVITY OF FINANCIAL INSTITUTIONS IN INDIA Author: Mr. Abrar Hussain, Dr. Muddasir Ahamed Khan N, Ms. Deechan Nuden Lama, Mrs. Razia Kousar https://doi.org/10.5281/zenodo.17151958
31	शहरी एवं ग्रामीण खिलाडियों के शारीरिक उपयुक्तता का अध्ययन Author: GAJENDRA SINGH NARUKA, DR. RENU SHUNGLOO https://doi.org/10.5281/zenodo.17153096
32	PROGRAM GOVERNANCE AS A CMC ACCELERATOR A META-FRAMEWORK FOR PHASE-TO-LAUNCH CONTINUITY Author: Pawankumar Suresh https://doi.org/10.5281/zenodo.17154594
33	DATA-DRIVEN APPROACHES FOR SUPPLY CHAIN RESILIENCE: A REVIEW OF PREDICTIVE ANALYTICS, OPTIMIZATION, AND RISK MODELING Author: Sofiat O. Ajide https://doi.org/10.5281/zenodo.17160644
34	A REAL TIME TRACKING OF EMPLOYEE PERFORMANCE USING MACHINE LEARNING Author: Mr. Abrar Hussain, Dr. Muddasir Ahamed Khan N, Ms. Ashwini T G, Mrs. Razia Kousar https://doi.org/10.5281/zenodo.17175179
35	STORYTELLING IN ADVERTISING: HOW BRANDS CONNECT WITH AUDIENCES EMOTIONALLY Author: V. J. Sweadha1 , A. S. Janani2 , B. Gopika3 , 4S. Anas https://doi.org/10.5281/zenodo.17183120
36	ARTIFICIAL INTELLIGENCE AS A STRATEGIC TOOL FOR BUSINESS GROWTH: OPPORTUNITIES AND CHALLENGES Author: Rajsharavan Senthilvelan https://doi.org/10.5281/zenodo.17210315
37	FACTORS AFFECTING THE DECISION TO USE ELECTRONIC BANKING SERVICES OF INDIVIDUAL CUSTOMERS AT COMMERCIAL BANKS IN HO CHI MINH CITY, VIETNAM Author: Dang Thanh Chien
38	INDUSTRIALIZATION IN THE CONSTRUCTION INDUSTRY: APPLYING SIX SIGMA, BIM, AND RELIABILITY CONCEPTS TO TRANSFORM CONSTRUCTION INTO A FACTORY MODEL Author: Sue Rodríguez https://doi.org/10.5281/zenodo.17237173
39	THE SONIC VISION OF REALITY: A NEW PARADIGM FOR UNDERSTANDING VIBRATIONAL EXISTENCE Author: Marko Guglielmi Reimmortal
40	CAN PREDICTIVE ANALYTICS REDUCE VOLATILITY IN LAST-MILE AGRICULTURAL SUPPLY CHAIN DISTRIBUTION? Author: Oladayo Oluleye

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