IJWOS VOLUME-03 ISSUE-01 JANUARY 2026

Articles

  • Digital Transformation in the Banking Sector: Issues, Challenges, and Opportunities

    P.Snehitha, G.Vinesh Kumar (Author)
    Keywords: Key words: • Digital Transformation • Banking Sector • Digital Banking • Financial Technology (FinTech) • Cybersecurity
    DOI: https://doi.org/10.71366/ijwos0301260011600

    Published Date: 2026-01-04 Page No.: 1-15


The effect of corporate governance on financial performance

P.Deekshitha, G.Vinesh kumar (Author)
Keywords: • Corporate Governance • Financial Performance • Board Structure • Board Independence • Ownership Structure
DOI: https://doi.org/10.71366/ijwos0301260025599

Published Date: 2026-01-04 Page No.: 16-26


Financial Management Strategy in Higher Education Institutions

Samir Kumar Bandyopadhyay, Samir Kumar Bandyopadhyay (Author)
Keywords: Financial Management Strategy, Higher Education Finance, Institutional Sustainability, Budgeting, Cash Flow Management, Endowment Management, Financial Governance, Tuition Dependency, Fiscal Transparency.
DOI: .

Published Date: 2026-01-04 Page No.: 27-42


A Comprehensive Review of Constant Current Constant Voltage Charging Strategies for Electric Vehicle Batteries

Anupam Yadav, Barkha Saxena (Author)
Keywords: Electric Vehicles; Lithium-Ion Battery; CC–CV Charging Strategy; Modified CC–CV Control; Fast Charging; Battery Management System;
DOI: .

Published Date: 2026-01-04 Page No.: 43-49


SOLAR POWERED SAND BRICK MANUFACTURING MACHINE AUTOMATION

Prof. Sanvastsarkar K.P, Miss. Endait Vidya D, Miss. Gaikwad Nikita M, Mr. Kadam Aditya D, Mr. Shankhpal Manas S (Author)
Keywords: polymorphism, java programming, method overriding, interface implementation, inheritance, dynamic method dispatch
DOI: .

Published Date: 2026-01-04 Page No.: 50-67


The Psychology of Investing: Behavioral Insights for Financial Decision-Making

T.Kalyan Kumar, G.Vinesh Kumar (Author)
Keywords: • Behavioral Finance • Investor Psychology • Cognitive Biases • Emotional Investing • Loss Aversion • Overconfidence
DOI: https://doi.org/10.71366/ijwos0301260061366

Published Date: 2026-01-04 Page No.: 68-77


Systematic Review of Ayurvedic Plants in Respiratory Diseases

Prathmesh Prashant Baviskar, Rupali Tasgaonkar, Puja Vyawhare, Kanvesh chaudhari, Darshan Borle, Sonal Bhingare (Author)
Keywords: Respiratory disorders,AyurvedaMedicinal plants,Asthma and COPD,Herbal therapeutics,Andrographis paniculata,Adhatoda vasicaImmunomodulation
DOI: https://doi.org/10.71366/ijwos

Published Date: 2026-01-04 Page No.: 78-88


Comparative Study on Home Loans Between PSU Banks And Private Banks

D.Shivani, Ms. k. Hari chandana Devi (Author)
Keywords: • Home Loans • Housing Finance • PSU Banks • Private Sector Banks • Interest Rates
DOI: https://doi.org/10.71366/ijwos0301260089158

Published Date: 2026-01-04 Page No.: 89-101


A Review: Butterfly Assortment and Their Ecosystem Services for Society

Anil Kumar, Jyotsna Athya, Aabha Hazare, Reena Mishra, Suchi Singh, Shailja Katare, Shobha Ram Patil, Sandeep Rane (Author)
Keywords: Lepidoptera, Geographical, Ecosystem, Bioindicator, Food web.
DOI: .

Published Date: 2026-01-06 Page No.: 102-114


Famine Commissions in Colonial India: Analysis, Impact, and Legacy

Dr. Kuldeep Mandal (Author)
Keywords: Famine Commissions, Colonial India, Akaal Aayog, British Administration.
DOI: https://doi.org/10.71366/ijwos0301260102454

Published Date: 2026-01-06 Page No.: 115-123


Perspective of people Towards Financial inclusion and pradhan mantri jan dhan yojana

DHARAVATH MAHESH, Harichandana Devi (Author)
Keywords: Financial Inclusion Pradhan Mantri Jan Dhan Yojana (PMJDY), Banking Services, Financial Literacy, Economic Empowerment, Direct Benefit Transfer (DBT)
DOI: https://doi.org/10.71366/ijwos0301260118369

Published Date: 2026-01-06 Page No.: 124-135


Current Status, Distribution, Threats, and Conservation of Mangrove Forests in the Bicol Region, Philippines: A Review

Vincent Vermudo (Author)
Keywords: mangrove, Bicol Region, coastal ecosystems, conservation, restoration, climate resilience
DOI: https://doi.org/10.71366/ijwos0301260123796

Published Date: 2026-01-06 Page No.: 136-146


Reconceptualising Multilingual Education Beyond Monolingual Ideologies

Grace Sangkim, Dr. Kabita Kumari (Author)
Keywords: Keywords: Multilingual Education (MLE), Multilingualism, First Language (L1), Interdependence Hypothesis, Threshold Hypothesis
DOI: https://doi.org/10.71366/ijwos0301260137226

Published Date: 2026-01-06 Page No.: 147-155


Workplace Spirituality and Its Role in Enhancing Job Satisfaction among Teaching Faculty in Telangana Colleges

K.Sai Pranathi, Venkata Siva Kumar, S. (Author)
Keywords: Workplace Spirituality; Job Satisfaction; Teaching Faculty; Motivation and Well-Being; Higher Education; Telangana
DOI: https://doi.org/10.71366/ijwos0301260148662

Published Date: 2026-01-06 Page No.: 156-166


Mathematical Economic Model in Financial System in Manufacturing Industry- An Application

Samir Kumar Bandyopadhyay, Samir Kumar Bandyopadhyay (Author)
Keywords: Mathematical Economics, Manufacturing Finance, Operations Research, Linear Programming, Stochastic Models, Capital Budgeting, Risk Analysis.
DOI: .

Published Date: 2026-01-06 Page No.: 167-178


AI-Driven Transformation of the Construction Industry: A State-of-the- Art Review

Vihaan Patel, Krishnaiah Kumar (Author)
Keywords:
DOI: .

Published Date: 2026-01-06 Page No.: 179-187


Thalassemia: An Overview of Genetics, Pathophysiology and Management

Galaba Yamini Padmasri, Sapna Pathak, Subhadeep Pratihar, Shohida Khatun, Pusunuri Pranitha, Varshitha Asukolla, Dr.B.Thangabalan, Chiruvolulanka Dharmik Ram Teja (Author)
Keywords: Thalassemia, Anemia, Jaundince, Skeletal Abnormalities, Erythropoiesis
DOI: .

Published Date: 2026-01-06 Page No.: 188-196


Diabetic Neuropathy: A Comprehensive Review of Mechanisms and Therapies

Sudarsanam Nagarjuna, Badisa Malleswari, Palaparthi Cherishma, Lella Janaki, Chalamalasetty Bindu Sri, Chukka Preethi, Minraj Pokhrel, Galaba Yamini Padmasri, Dr.B.Thangabalan (Author)
Keywords: Diabetic neuropathy, hyperglycemia, neuropathic pain, glycemic control, peripheral neuropathy, autonomic neuropathy.
DOI: .

Published Date: 2026-01-06 Page No.: 197-211


WIRELESS CHARGING PAD FOR DRONES, E-BIKES- NEWER TREND IN EV AND AUTOMATION

Prof. Mandlik Dipali B, Miss. Dabhade Siddhi S, Miss. Dhanwate Divya G, Miss. Sonawane Sapna M, Miss. Sonawane Sapna M, Miss. Wagh Shraddha B (Author)
Keywords: wireless charging pad, E- bikes.
DOI: .

Published Date: 2026-01-07 Page No.: 212-228


Stylo: An AI-powered Android App That suggests outfits tailored to your Body type ,Occasion and Personal style

Shruti Rohidas Kirve, Sanskruti hanumant karpe, Atharva mahesh avhale, Aaryan amit chintal (Author)
Keywords: Stylo, Android Application, Artificial Intelligence in Fashion, Convolutional Neural Network (CNN), Decision Tree Algorithm, Personalized Outfit Recommendation, Virtual Try-On, Smart Fit Prediction, Image-Based Analysis, Firebase Realtime Database.
DOI: .

Published Date: 2026-01-07 Page No.: 229-233


Digital twin-driven maintenance and fault detection for modern aircraft

Rumaysa. Khalid. Yadwad, Aqsa. Vasim. Pathan, A. T. Kulkarni, S. A. Mujawar (Author)
Keywords: Aircraft Maintenance, Fault Detection, Predictive Maintenance, Condition-Based Maintenance (CBM), Prognostics and Health Management (PHM), Aviation Systems, Remaining Useful Life (RUL), Machine Learning, Intelligent Maintenance Systems
DOI: .

Published Date: 2026-01-11 Page No.: 234-251


An Intersectional Reading of Contemporary Women’s Narratives: Gendered Migration and Diasporic Identity.

Shatabdi Haldar, Swarali Joshi (Author)
Keywords: Female migration; Diasporic identity; Intersectionality; Hybridity; Postcolonial feminism.
DOI: .

Published Date: 2026-01-11 Page No.: 252-257


THE ROLE OF TRAINING AND DEVELOPMENT IN ENHANCING EMPLOYEE RETENTION

Muthyala Prathyusha, Ravichandra BS (Author)
Keywords: Training and Development ,Employee Retention ,Career Growth, Employee Engagement, Organizational Commitment, Professional Development
DOI: https://doi.org/10.71366/ijwos0301260234272

Published Date: 2026-01-11 Page No.: 258-269