Vol 13 Issue 2 October 2025-March 2026

Abstract: Empowering Women Entrepreneurs through AI: A Study on the Transformative Impact of Artificial Intelligence on Women-Led Businesses in Madurai District, Tamil Nadu. As AI technology progresses, its assimilation into business workflows has garnered widespread interest for improving competence, fostering growth prospects and tackling obstacles conventionally faced by women entrepreneurs. The paper delves into how AI is revolutionizing the entrepreneurial sector especially women-led businesses, focusing on its effects on capital access, market insights, business management, and gender inclusivity. By exploring the real market and analysing some case studies and industry reports, this paper underscores the essential role of AI in supporting economic and technology empowerment and sustainable growth within women-led businesses.

Keywords: Women Entrepreneurs, Economic and Technology Empowerment, Artificial Intelligence, Entrepreneurial Environment.

Title: Empowering Women Entrepreneurs through AI: A Study on the Transformative Impact of Artificial Intelligence on Women-Led Businesses

Author: S. Ravi Shankar, Dr. AR Annadurai

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 783-787

Research Publish Journals

Website: www.researchpublish.com

Published Date: 11-March-2026

Abstract: FinTech Payment Platformshas achieved by the swift pace of financial technology (FinTech). It has brought a lot of changes in digital payment systems, especially in emerging economies. Nevertheless, the consideration of FinTech services in rural locations is a pressing issue as the problems of trust, security, and the technological availability are concerned. The paper focuses on the conditions affecting the use of FinTech payment systems by rural consumers in Southern Tamil Nadu. The study is based on four determinants, including digital trust, security perception, perceived usefulness, and perceived ease of use. The quantitative research design was applied and the rural respondents were observed using a structured questionnaire. The Structural Equation Modelling (SEM) was used to determine the relationship between the variables in the study. The results indicate that digital trust (b = 0.34), perceived usefulness (b = 0.31), security perception (b = 0.29) and perceived ease of use (b = 0.22) exert significant impact with positive implications on FinTech adoption. Of these variables, digital trust was found to be the most influential variable in affecting willingness of the user to embrace digital payment platforms. The findings have been used to emphasize the need to foster trust, reinforce security systems, and create user-friendly online financial services to promote their use by the rural areas. Through the research, an understanding of digital financial inclusion is added and offers valuable knowledge to policy-makers, financial institutions, and FinTech providers in enhancing the adoption of digital payment technologies in rural regions.

Keywords: FinTech Adoption, Digital Trust, Security Perception, Rural Consumers, Digital Payments, SEM.

Title: DIGITAL TRUST, SECURITY PERCEPTION, AND ADOPTION OF FINTECH PAYMENT PLATFORMS AMONG RURAL CONSUMERS IN SOUTHERN TAMILNADU

Author: Mrs. J. JOSHI, Dr. S. NAZEER KHAN

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 776-782

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Website: www.researchpublish.com

Published Date: 11-March-2026

Abstract: This study discovers the influence of AI tool physiognomies on purchase intention from a shopper standpoint, pointing to uncover the underlying contrivance through the mediating role of informal relationships. The research is grounded in the Aaker Brand Personality Model—specifically the dimensions of excitement and sincerity—and the social response theory. Data were collected via a questionnaire survey targeting young and middle-aged individuals (aged 18 to 45), and an empirical analysis was conducted using SPSS software. A total of 283 valid responses were obtained. The findings reveal that the excitement dimension of AI tools has a significantly stronger influence on consumers’ purchase intention through the formation of informal relationships compared to the sincerity dimension. Notably, AI tools do not have a direct effect on consumers’ purchase intention. Instead, informal relationships mediate the relationship between the marketing characteristics of AI tools and consumer purchase intention. This research contributes to the theoretical understanding of AI technology in marketing and offers practical implications. It suggests that online retailers selling electronic products can enhance consumer engagement and purchase intention by incorporating features that evoke excitement into their AI platforms.

Keywords: Artificial Intelligence. Informal relationship, Aaker Model, Consumer Purchase intention.

Title: EXPLORING AI’S ROLE IN SHAPING INFORMAL CONSUMER RELATIONSHIPS: A PATHWAY TO INCREASE THE PURCHASE INTENTION

Author: Gangu A B, Dr.Rajendran S, T Kannan

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 759-775

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Website: www.researchpublish.com

Published Date: 11-March-2026

Abstract: The study's main goal was to learn how customers of AIRTEL Broadband perceive its offerings. Customers in the Sivaganga district are satisfied alongside the services provided by AIRTEL and to identify the factors influencing the customers' preferences. According to the findings, the dimensions that influence customers' satisfaction levels are core services (such as good coverage, connectivity, and network quality) along with call rate. Further results demonstrate that there is a significant relationship between the brand name and customer preference. As a result, it has been suggested that telecom companies concentrate on connectivity, call rate, coverage, and network quality.

Keywords: Customer perception, network operators, telecommunication, customer satisfaction, mobile services and so on.

Title: ANALYSIS OF CUSTOMER PERCEPTION TOWARDS THE AIRTEL SERVICES IN SIVAGANGA

Author: A.Arockia selvi, Dr. R.Venkatesan

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 753-758

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Website: www.researchpublish.com

Published Date: 11-March-2026

Abstract: Reliable and safe water is a critical component of social welfare, economic development, and environmental sustainability in Kenya. Despite continued investments in water infrastructure, many projects in Nyeri County face persistent challenges related to poor performance, inefficiency, and limited sustainability. Numerous water projects in the region encounter recurrent implementation and operational obstacles, resulting in minimal achievement of intended outcomes. While theory suggests that robust monitoring and evaluation (M&E) systems enhance project performance, empirical evidence remains inconclusive. This study examined the impact of M&E practices on the performance of water projects in Nyeri County, with a focus on staff capacity building, stakeholder engagement, M&E planning, and resource allocation. The research was grounded in the Performance Prism Theory and Stakeholder Theory and employed a descriptive research design. The target population comprised 82 water projects implemented between 2019 and 2023. Using proportionate stratified sampling, 230 respondents were selected, including project engineers, managers, procurement officers, fund administrators, and community beneficiaries. Data were collected through structured questionnaires, and reliability and validity were ensured via expert review. Quantitative data were analyzed using descriptive statistics, correlation, and multiple regression, while qualitative data underwent thematic analysis. Findings revealed that effective M&E practices positively and significantly influenced project performance. Among the variables examined, stakeholder engagement emerged as the strongest determinant of project success, followed by comprehensive M&E planning and the enhancement of staff capacities. The study concludes that coordinated M&E systems, strengthened stakeholder mobilization, ongoing capacity-building initiatives, and equitable resource allocation are essential for improving the sustainability and effectiveness of water projects in Nyeri County.

Keywords: Monitoring and Evaluation, Water Project Performance, Stakeholder Engagement, Resource Allocation, Capacity Building.

Title: Monitoring and Evaluation Practices and Performance of Water Projects in Nyeri County, Kenya

Author: Loise Wakarima Maina, Lucy Ngugi

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 741-752

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Website: www.researchpublish.com

Published Date: 11-March-2026

Abstract: The rapid proliferation of digital payment technologies has transformed financial transactions, particularly among technology-savvy user groups. This empirical study investigates the adoption and usage patterns of digital payment services among IT employees in Hyderabad, a major IT hub in India. Drawing upon the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), the research identifies key factors influencing behavioral intention, trust, and satisfaction toward digital payments.

A quantitative research design was employed, utilizing primary data collected through a structured questionnaire administered to a sample of 156 IT professionals selected via stratified random sampling. Descriptive statistics, Likert-scale-based mean scores, and inferential statistical techniques, including chi-square tests and correlation analysis, were used to evaluate user perceptions and usage behavior.

The findings indicate that 80.8% of respondents are highly aware of digital payment services, with 60.9% using them daily. Ease of use (M = 4.6), transaction speed (M = 4.5), and security and privacy (M = 4.3) emerged as the most influential adoption factors. However, 41.7% of respondents reported security concerns, and 28.8% faced transaction failures, highlighting persistent challenges. Furthermore, 77% of users expressed satisfaction, though concerns about cybersecurity and inadequate customer support remain.

The study concludes that while digital payment services enjoy widespread adoption among IT professionals, enhancing security infrastructure, transaction reliability, and user support systems is critical for sustaining growth. The results offer actionable insights for fintech companies, policymakers, and financial institutions to strengthen digital payment ecosystems through trust-building measures and targeted user education.

Keywords: Digital Payment Services, IT Employees, TAM, UTAUT, Cybersecurity, User Adoption, Hyderabad, Fintech.

Title: An Empirical Study on the Adoption and Usage of Digital Payment Services among IT Employees in Hyderabad

Author: Kavali Rangaiah, Dr. B. Menaka

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 731-740

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Website: www.researchpublish.com

Published Date: 11-March-2026

Abstract: This study examines the impact of internal conflicts among administrators on sports performance. Administrative conflicts within sports organizations can negatively influence decision-making, team stability, financial management, and competitive outcomes. While disagreement is a natural part of organizational work, unmanaged conflicts may lead to instability and performance decline.

The research adopts a descriptive analytical approach to analyze how internal administrative disputes affect athlete morale, team cohesion, and institutional efficiency. The findings indicate that organizations experiencing frequent administrative conflicts show lower performance consistency, financial instability, and reduced public trust.

The study concludes with recommendations to improve conflict management systems and promote collaborative leadership within sports institutions.

Keywords: Internal Conflict, Sports Administration, Organizational Performance, Team Stability, Conflict Management.

Title: The Impact of Internal Conflicts among Administrators on Sports Performance

Author: Ahmad essa Alyaqoub

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 727-730

Research Publish Journals

Website: www.researchpublish.com

Published Date: 10-March-2026

Abstract: This study examines crisis management in sports organizations, focusing on the level of preparedness and response strategies. Sports institutions are exposed to various types of crises, including financial crises, administrative conflicts, injuries, competition disruptions, and public image problems. Effective crisis management helps organizations minimize damage and maintain performance stability.

The research uses a descriptive analytical approach to evaluate how preparedness levels influence crisis response efficiency and institutional outcomes. The findings indicate that organizations with structured crisis management plans recover faster, maintain financial stability, and protect team performance. In contrast, institutions lacking preparedness experience greater losses and instability.

The study concludes with recommendations to improve crisis planning, communication systems, and response mechanisms in sports organizations.

Keywords: Crisis Management, Sports Organizations, Preparedness, Risk Management, Institutional Stability.

Title: Crisis Management in Sports Organizations: A Study of Preparedness and Response

Author: Ahmad essa Alyaqoub

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 723-726

Research Publish Journals

Website: www.researchpublish.com

Published Date: 10-March-2026

Abstract: This study titled “Artificial Intelligence in the Future of Banking with Special Reference to Coimbatore District” examines the role and impact of Artificial Intelligence in the banking sector. The main objective of the study is to understand consumer perception and the areas where AI is applied in banking services. Primary data were collected from 123 respondents in Coimbatore District through a structured questionnaire. Secondary data were obtained from journals, websites, and research articles. Statistical tools such as Percentage Analysis, Chi-Square Test, and Correlation were used to analyze the collected data.

Keywords: Artificial Intelligence, Banking Sector, Customer Perception, Digital Banking, Banking.

Title: ARTIFICIAL INTELLIGENCE IN THE FUTURE OF BANKING WITH SPECIAL REFERENCE TO COIMBATORE CITY

Author: M.s. M. Abinaya, Mrs. Devika D.

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 717-718

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Website: www.researchpublish.com

Published Date: 10-March-2026

Abstract: This paper examines the issue of weak strategic planning and its impact on the performance of sports institutions. Strategic planning is a fundamental management tool that helps institutions define their goals, allocate resources effectively, and achieve sustainable development. However, many sports institutions suffer from unclear vision, short-term decision-making, and weak performance evaluation systems.

This study analyzes how the absence or weakness of strategic planning negatively affects financial stability, athlete development, competition results, and organizational performance. Using a descriptive analytical approach based on previous studies and institutional reports, the research identifies the main causes of weak planning and its consequences.

The findings indicate that institutions lacking clear strategic plans often experience unstable performance, financial inefficiency, low employee motivation, and limited long-term success. The study concludes with practical recommendations to strengthen strategic planning processes in sports institutions.

Keywords: Strategic Planning, Sports Institutions, Organizational Performance, Management Efficiency, Institutional Development.

Title: Weak Strategic Planning and Its Impact on the Performance of Sports Institutions

Author: Ahmad essa Alyaqoub

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 719-722

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Website: www.researchpublish.com

Published Date: 10-March-2026

Abstract: This study examines the consumer preference towards Merii Boy ice cream among customers in the Palakkad region. The research aims to identify the factors influencing buying behavior such as taste, price, quality, and brand awareness. Primary data were collected from 110 respondents using a structured questionnaire. Statistical tools like percentage analysis, chi-square test, and regression analysis were used to interpret the data. The study also analyses customer satisfaction and brand loyalty towards Merii Boy ice cream. Findings highlight the importance of product quality, flavor variety, and promotional strategies in shaping consumer preference. The results help marketers understand consumer behavior and improve marketing strategies to enhance customer satisfaction and brand competitiveness.

Keywords: Consumer Preference, Buying Behavior, Ice Cream Industry, Brand Loyalty.

Title: A STUDY ON CONSUMERS SATISFACTION ON BRAND PREFERANCE OF MERIIBOY ICE CREAM WITH SPECIAL REFERANCE TO PALAKKAD DISTRICT

Author: Mr. P. Vishnu, Ms. K.S. Shymili

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 714-716

Research Publish Journals

Website: www.researchpublish.com

Published Date: 10-March-2026

Abstract: The purpose of this study is to examine the performance of management practices and their impact on commercial banks in Sivagangai District. Effective management practices play a significant role in improving operational efficiency, customer satisfaction, employee productivity, and financial performance in banking institutions. The study is based on both primary and secondary data. Primary data were collected from 150 respondents consisting of bank employees and customers from selected commercial banks in Sivagangai District using structured questionnaires. The collected data were analysed using Descriptive Statistics, Weighted Average Rank, Chi-Square Test, Correlation Analysis, and Factor Analysis. Eight variables representing management practices and twelve variables representing performance impacts were developed from an extensive review of literature. The Chi-square results showed that demographic factors have a significant relationship with perceptions of management practices. The correlation analysis revealed that most management practices have a positive relationship with bank performance indicators. Factor analysis extracted four major dimensions influencing bank performance namely Operational Efficiency, Customer Relationship Management, Technological Advancement, and Employee Development. The findings indicate that strong management practices significantly improve banking performance and contribute to sustainable growth of commercial banks in Sivagangai District.

Keywords: Commercial Banks, Management Practices, Bank Performance, Customer Satisfaction, Employee Efficiency, Banking Management.

Title: IMPACT OF MANAGEMENT PRACTICES ON THE PERFORMANCE OF COMMERCIAL BANKS: AN EMPIRICAL STUDY IN SIVAGANGAI DISTRICT

Author: J. ARUL XAVIER VICTOR, Dr. K. NAINA MOHAMED

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 672-683

Research Publish Journals

Website: www.researchpublish.com

Published Date: 09-March-2026

Abstract: The rapid growth of digital technology has significantly transformed the banking sector, particularly in the area of payment systems. Digital payment platforms such as mobile banking, internet banking, Unified Payments Interface (UPI), and debit/credit cards have gained widespread attention due to their convenience, speed, and security. This study aims to analyze the perception and adoption of digital payment systems among account holders of Canara Bank in Palakkad District. The research focuses on understanding customers’ awareness, usage patterns, perceived benefits, and challenges associated with digital payment methods.

The study is based on primary data collected from Canara Bank customers through a structured questionnaire, along with secondary data obtained from relevant reports, journals, and banking publications. Statistical tools such as percentage analysis, mean score analysis, and correlation techniques are used to interpret the data. The findings indicate that factors such as ease of use, security, convenience, and technological awareness play a significant role in influencing the adoption of digital payment systems. However, issues like cybersecurity concerns, lack of digital literacy, and technical difficulties still act as barriers for some users.

The study concludes that increasing customer awareness, improving digital infrastructure, and strengthening security measures can further enhance the adoption of digital payment systems among bank customers. The results of this research provide useful insights for banks, policymakers, and financial institutions in promoting digital financial services and improving customer satisfaction in the banking sector.

Keywords: Digital Financial Services, Cashless Economy, Digital Banking, Digital Transformation in Banking, Secure Digital Transactions, Sustainable Economic Development.

Title: Customer perception and adoption of digital payment system: A study of account holders in Canara bank and Palakkad district

Author: Mr. S Ashok kumar, Dr. M. Kanagarathinam

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 710-713

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Website: www.researchpublish.com

Published Date: 09-March-2026

Abstract: Reference to Lakme in Palakkad City” examines the buying behavior and preferences of study titled “A Study on Customer Buying Attitude of Cosmetic Products with Special consumers This towards Lakme cosmetic products. The main objective of the study is to understand factors influencing customer purchase decisions, satisfaction level, and brand preference. Primary data was collected through a structured questionnaire from selected respondents in Palakkad City. Statistical tools such as Percentage Analysis, Chi-Square Test, and ANOVA were used for data analysis. The study analyses demographic factors like age, income, education, and their impact on buying attitude. Findings reveal that quality, brand image, price, and availability significantly influence customer purchasing decisions. The study concludes with suggestions to improve customer satisfaction and strengthen brand loyalty towards Lakme products.

Keywords: Consumer Awareness, Brand Responsibility, Ethical Consumerism, Sustainable cosmetic.

Title: A STUDY ON CUSTOMER BUYING ATTITUDE OF COSMETIC PRODUCTS WITH SPECIAL REFERENCE TO LAKME IN PALAKKAD CITY

Author: Ms. K. Athira, Mr. P. Krishnaraj

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 707-709

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Website: www.researchpublish.com

Published Date: 09-March-2026

Abstract: This study examines the investment behaviour of college professors towards digital securities in Ramanathapuram District. The rapid growth of digital financial platforms has transformed traditional investment practices by enabling investors to access securities such as online stocks, exchange traded funds, and digital bonds through electronic platforms. Despite these developments, the level of awareness and adoption of digital securities differs among investors. The study is based on primary data collected from 150 college professors using a structured questionnaire and purposive sampling method. Statistical tools such as descriptive statistics, weighted average rank analysis, chi-square test, correlation analysis, and exploratory factor analysis were applied using SPSS. The results indicate that professors possess moderate awareness of digital securities, though knowledge of investment procedures and associated risks is comparatively lower. Financial literacy, past investment experience, social influence, and risk tolerance were identified as major factors influencing investment behaviour. The study concludes that enhancing financial literacy, improving digital investment infrastructure, and increasing access to reliable financial information can encourage greater adoption of digital securities among college professors.

Keywords: Digital Securities; Investment Behaviour; Financial Literacy; College Professors; Digital Investment Platforms; Awareness and Adoption.

Title: INVESTMENT BEHAVIOUR OF COLLEGE PROFESSORS TOWARDS DIGITAL SECURITIES IN RAMANATHAPURAM DISTRICT

Author: A. BENAZIR MINA, Dr. A. Ahamed Ansari

International Journal of Management and Commerce Innovations 

ISSN 2348-7585 (Online)

Vol. 13, Issue 2, October 2025 - March 2026

Page No: 696-706

Research Publish Journals

Website: www.researchpublish.com

Published Date: 09-March-2026