Current Issue

Digital financial services have arisen as an important tool for developing financial inclusion, especially among small and unorganised sectors. The use of internet banking, mobile banking, and digital payment platforms has upgraded access to formal financial systems. However, the adoption of such digital financial services among the unorganised sectors remains not even due to technological, behavioural, and institutional factors. This study aims examining the adoption of digital financial services and its impact on financial inclusion among the unorganised sectors (street vendors, livestock herders, tailors, domestic helpers or maids etc.,) in Tirunelveli District, Tamil Nadu. The research has a structured questionnaire to collect primary data from 227 respondents worked in micro and small business activities. This research is formulated Technology Acceptance Model (TAM) as its theoretical foundation and examined hypotheses. Descriptive statistics, ANOVA, correlation analysis, and multiple regression techniques are using for data analysis.. The study analysis the factors such as perceived usefulness, perceived ease of use on behavior intention and the adoption of digital financial services. The findings indicate that digital finance adoption significantly improves positive changes, that is access to formal financial services, encourages savings behavior, and enhances accessibility of credit among unorganised sector participants. The findings highlight the technological infrastructure, digital financial literacy and government support are higher adoption of digital financial services.
Keywords: Digital Financial Services, Financial Inclusion, Unorganised Sector, Digital Finance Adoption.

This research article has attempted to analysis the Financial Viability of Ultra Tech Cement Company during the period 2016-17 to 2025-26. To analyses the Liquidity, Profitability and short-term and Long-Term Solvency of the Ultra Tech Cement Company in a decade data has been collected from the published annual report. To examine the financial data, two models have been used, Altman’s Z Score Model and Dupont Model. To examine the variables, mean, co-efficient variation and CAGR tools have been applied. The model resulted almost same result. during the pandemic period only financially affected. It is concluded that the financial performance of Ultra Tec Cement Company is very strong in financial health. As per the standard norms of the ideal ratio, this company’s short-term and long-term solvency position is not commendable, but it has utilized internal funds.
Key words: Liquidity, Profitability, Long-Term Solvency, Altman’s Z Score Model and Du Pont Model, ROE, ROCE, Sales Revenue, OPR, CR, DER. and CAGR

The retail sector in emerging markets has witnessed tremendous change as competition increases and consumer expectations evolve. This study examines the effect of in-store experiential brand engagement on purchase likelihood in Affordable fashion retail stores across four dimensions: store atmospherics, product value and pricing, visual merchandising, and salesperson engagement. A structured questionnaire was analyzed using statistical techniques, such as reliability analysis, exploratory factor analysis, and regression analysis. The results show that product value and pricing and visual merchandising have significant impact on purchase likelihood, whereas store atmospherics and salesperson engagement do not have statistically significant effect, but the overall in-store experience has a strong effect on purchase likelihood.
Keywords :In-store Experience, Fashion Retailing, Visual Merchandising, Perceived Value, Store Atmospherics, Purchase Likelihood, Emerging Markets.