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    The role of NEP transforming Higher Education in India :Challenges and opportunities in Higher Education in India
    (Jyotikiran Publication Pune, 2023) Azkiya Waris, Rajani Chandel
    As a developing country, India has shown continuous progress in the field of education. NEP2020 has been very important in transforming higher education in India. While there are many challenges in the Indian higher education system, there are equally many opportunities to overcome these challenges and improve the higher education system. It needs greater transparency and accountability, most importantly the role of higher education institutions in the new millennium and emerging scientific research into how people learn. Our country needs well qualified and highly educated citizens who can take our economy to a new level. Our country therefore provides highly qualified people to other nations as well; it is very easy for us to transform our country from a developing country to a developed one. The current study aims to advance the role of NEP in the transformation of higher education in India and also to find challenges and opportunities in higher education in India. This article can be considered as a reference to the policy implementation done by the team of Govt. India.
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    Digital Transformation in the Financial Sector: AI “a blessing in disguise
    (NAVYUG PUBLICATIONS, 2023) Orooj Siddiqui
    The primary aim of the present research is to provide a brief literature review (SLR) onAI in banking sector, and extract evidence about the opportunities and challenges concerning the use of Artificial Intelligence (AI) in the banking sector. The present work, however focuses on a traditional approach of explaining the concept of AI by putting forward the objectives, concepts, challenges and history etc. The introduction of AI in banking sector has definitely a blessing in disguise as it provides opportunities like personalized services, smart wallets, decision-making and problem-solving, customer satisfaction and loyalty, process automation (especially targeting repetitive tasks), transactional security and cybersecurity improvements, and promotion of digital financial inclusionetc. Although it is very evident that every technological change comes with certain challenges as well, it is the responsibility of strategy formulators in a banking sector to overcome the existing and prospect AI challenges. However, the present existing studyis descriptive in nature and based on secondary sources of data. The present work provides a detail conceptual background of AI in banking sector, and its use in making banking services more efficient. The author suggests empirical researchon the present idea to increase understanding of the opportunities and difficulties presented byAI in the banking sector.