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Journal of Risk and Financial Management ; 16(5), 2023.
Article in English | Scopus | ID: covidwho-20243013


This research investigates how the uncertainty caused by the COVID-19 pandemic has affected digital banking usage in India. The study is made by utilizing a panel of data consisting of 108 firm-month observations during covid period from 2020 to 2022, with data mainly collected to analyze the impact of COVID-19 uncertainty. Most of the determinants were collected from the RBI data website. The main emphasis of this study is on the utilization of digital banking services in the context of the pandemic, and the research assesses the factors that have influenced this trend, including the number of physical bank branches, the utilization of debit and credit cards at automated teller machines (ATMs) and points of sale (PoS), as well as the level of economic policy uncertainty (EPU). The analysis was conducted using panel regression analysis, a suitable method for handling the error components in the model that are either fixed or random. The findings indicate that the uncertainty caused by the pandemic has had a negative impact on the use of digital banking services. Additionally, the study highlights that the usage of debit and credit cards at PoS has significantly contributed to promoting the progress of digital banking services during the pandemic. Overall, this study provides valuable insights into how digital banking services have evolved during a period of significant uncertainty and disruption. © 2023 by the authors.

Materials Today: Proceedings ; 66:1526-1536, 2022.
Article in English | Scopus | ID: covidwho-2015829


This report is on topic of simulation and analysis of different heating method for bio-digester substrate. Now-a-days the energy demand is increasing so we have to look other options and devise a method to optimize the production from other sources. Due to Covid-19 mass migration and increased hospital admission occurs, to fulfill the food supply biogas is sought. This report focus on digesters on a small scale that can be employed for household activities. To increase the biogas yield among different influencing factors temperature is chosen and worked upon. Along with insulation there is a heating method installed to maintain the stable temperature which facilitates breakdown of organic materials and improve the productivity. In colder climates maintaining mesophilic temperature can be a challenge, therefore three heating methods are simulated and analyzed. The study reveals about floor heating, in-vessel heating and floor + in-vessel heating method. In-vessel heating method provides uniform cooling, whereas floor heating can be applied at relatively cold climates because it give significant temperature rise (about ∼14 °C). Out of these three methods floor + in-vessel heating method is found suitable as it optimize the benefits of both floor and in-vessel heating methods with 5 °C temperature raise. © 2022