Institute of Management Development and Research(IMDR)

Abstract
This study delves into the effective integration of Artificial Intelligence (AI) in higher education, examining its impacts, opportunities, and challenges. The research focuses on higher education institutions in Thiruvananthapuram, Kerala, using structured questionnaires to collect data on teachers' perceptions. Statistical methods, including the one-sample t-test, the independent t-test, and ANOVA, were applied to analyse the data. Teachers have a remarkably positive perception of AI in learning, viewing it as a valuable tool that promotes academic integrity, creativity, and student-teacher connections. Significant gender and age-related differences exist, with male and younger teachers exhibiting more favourable attitudes. The study highlights the need for targeted measures to encourage female teachers' acceptance and address potential generational shifts in technology adoption, ensuring inclusive and effective AI integration in education. This research provides significant insights for educators and comprehensive knowledge for developing educational models that promote future growth, contributing to the emerging field of Artificial Intelligence in Education.
Keywords:- Artificial Intelligence, Higher Education, Technology, Teaching, Student Attributes

Abstract
Green entrepreneurship in aquaculture is an emerging sector that combines sustainable practices with innovative business models to tackle environmental
challenges while fulfilling the growing demand for seafood. Green entrepreneurship in aquaculture provides a sustainable approach to fish production and creates a framework for future growth in the aquaculture sector. This paper explores the role of green entrepreneurship in reshaping the aquaculture industry by implementing eco-friendly practices. The study identifies the challenges the fish farmers face in adopting green practices and strategies for encouraging green entrepreneurship in fish farming. The study relies on both primary and secondary data. The statistical tools used for the study are the sample t-test and the independent sample t-test. Green entrepreneurship in aquaculture creates a balance between economic growth and environmental stewardship, ensuring a sustainable future for the global fish industry.
Keywords:- Aquaculture, Green Entrepreneurship, Sustainable Development, Economic Growth, Environmental Stewardship.

Abstract
This study examines dopamine as a new currency in marketing within the Indian digital market, focusing on psychological drivers and barriers influencing consumer engagement. Integrating neuropsychology with marketing, it analyses dopaminestimulating strategies such as gamification, reward anticipation, and personalization in enhancing interaction and loyalty. Findings reveal that while these techniques boost engagement, barriers like overstimulation and cognitive fatigue reduce effectiveness. Ethical concerns significantly moderate outcomes, as perceived manipulation diminishes consumer trust. Using psychometric tools and regression analysis among urban Indian consumers, the study emphasises balanced, transparent, and culturally sensitive neuromarketing practices, contributing valuable insights for responsible marketing and future interdisciplinary research.
Keywords:- Dopamine, Consumer Engagement, Neuromarketing, Ethical Concerns, Psychological Drivers.

Abstract
Interstate migrant women workers constitute a vulnerable segment of Kerala's labour force, facing multiple challenges related to health, hygiene, and psychological well-being. Separation from family, unfamiliar social environments and long working hours often lead to stress, anxiety, and emotional insecurity. Inadequate sanitation, poor housing conditions, and limited access to gender-sensitive healthcare further aggravate their vulnerability. This study examines the living conditions, hygiene facilities, and access to healthcare services of interstate migrant women labourers in Kerala using primary data collected from 150 respondents in Thiruvananthapuram district. The study employs chi-square tests to assess the effectiveness of facilities and variations in healthcare access. The findings reveal significant inadequacies in sanitation, menstrual hygiene, and healthcare awareness, indicating the need for policy reforms, improved employer accountability, and targeted government interventions to ensure the dignity, safety, and well-being of migrant women workers.
Keywords:- Interstate Migration, Women Workers, Health and Hygiene, Psychological Well-being, Labour Welfare.

Abstract
The electronics market has expanded rapidly due to continuous technological advancement and changing consumer lifestyles, leading to increased demand for premium-priced electronic products. Rising prices have made the upfront payment difficult for many consumers, encouraging the adoption of No-Cost EMI schemes. While No-Cost EMI improves affordability and purchase convenience, it also requires sufficient consumer awareness and careful evaluation of terms and repayment conditions. This study examines the role of consumer awareness and due diligence in influencing buying behaviour towards No-Cost EMI in the electronics sector. The findings reveal that consumers exhibit a moderate level of awareness and due diligence, with variations observed across gender and income groups. Male and higher-income consumers demonstrate relatively better understanding and careful evaluation of EMI terms compared to others. The study highlights that the responsibility utilisation of No-Cost EMI depends on consumers' ability to make informed and careful purchase decisions.
Keywords:- No-Cost EMI, Consumer Awareness, Due Diligence, Buying Behaviour, Electronics Sector.

Abstract
The implementation of IFRS 16 has significantly transformed lease accounting by requiring lessees to recognise most leases on the balance sheet, thus enhancing transparency and also impacting key financial metrics. This study investigates the extent and nature of lease-related disclosures under IFRS 16 and their influence on financial ratios among selected aviation and telecom companies in India (Interglobal Aviation Ltd and Bharti Airtel Ltd). A comprehensive disclosure checklist has been developed, and adherence to mandatory requirements is assessed using financial statements. The study also evaluates the influence of these mandatory requirements on financial performance indicators such as asset turnover ratio, debt to equity ratio and interest coverage ratio. The findings suggest that both companies have either fully or mostly disclosed the necessary information as per the standard. It is also observed that IND AS 116 adoptions had no statistically significant impact on any of the related financial ratios for either company, and hence on the sectors that have large leasing assets.
Keywords:- IFRS Convergence, Lease Accounting, Aviation Companies, Telecom Companies, IGAAP.

Abstract
The rapid advancement of Artificial Intelligence technologies presents both opportunities and challenges for entrepreneurship education. This study investigates the role of AI in enhancing entrepreneurial competencies and compares the effectiveness of AI-powered and traditional entrepreneurship education programs. The results show that AI-powered entrepreneurship education programs outperform traditional programs in enhancing entrepreneurial competencies, particularly in areas such as innovation, risk management and digital literacy. This comparative analysis explores the impact of AI-powered and traditional entrepreneurship education programs on enhancing entrepreneurial competencies. The study reveals that AI-powered programs offer personalised learning experiences, real-time feedback and tailored guidance, and develop essential entrepreneurial skills such as creativity, problem-solving and critical thinking. The integration of AI-powered tools with traditional pedagogies can create a hybrid model that leverages the strengths of both approaches. The study highlights the potential of AI-powered programs to enhance creativity, improve decision-making and increase accessibility in entrepreneurship education.
Keywords:- Artificial Intelligence, Entrepreneurship Education, Entrepreneurial Competencies, Entrepreneurial Education Programs, AI-powered programs.

Abstract
This study examines the role of digital Non-Banking Financial Companies (NBFCs) in promoting financial inclusion among the unbanked populations in India, focusing on usage patterns, perceived benefits and challenges, and financial well-being. Although smartphone ownership (95 per cent) and internet access (89 per cent) were high among respondents, 60 per cent relied on agents or intermediaries to access digital lending services, highlighting a gap between digital access and effective utilisation. Chi-square analysis revealed that direct digital engagement was significantly associated with higher perceived benefits and fewer challenges. A one-way ANOVA indicated a statistically significant difference in financial well-being scores across user groups (F = 18.62, p < 0.001), with respondents applying directly through mobile applications reporting the highest well-being levels. Post hoc tests confirmed that independent digital users had significantly better outcomes than those relying on agents or not engaging digitally. The findings suggest that digital NBFCs can enhance financial inclusion, but their effectiveness depends on promoting direct digital engagement through improved app usability, digital literacy initiatives, infrastructure development, and trust-building measures.
Keywords:- Digital NBFCs, Financial Inclusion, Financial Well-being, Digital Lending, Digital Literacy.

Abstract
Bibliometric analysis is to uncover emerging trends in article and journal performance, collaboration patterns, and research constituents, and explore the
intellectual structure of a specific domain in the extant literature. We used BiblioShiny through R Studio on 7913 documents to fetch databases from 2015 to 2025. This study identified relevant authors, highly cited publications, prominent themes and keywords, and co-citation networks. This article will help explore more into the areas of employability and higher education, which can guide policymakers and institutions in designing policies. The findings indicate that academic interest in employability in higher education is increasing, with a notable rise in publications since 2020 and a steady expansion in scholarly output. On the other hand, a downward trend in the average number of citations per article indicates both a decrease in the impact per article and an increase in publication volume. Key contributors, powerful nations like the UK and Australia, and important journals influencing the conversation are identified in the study. Key research issues, such as student employability, labour market alignment, curriculum design, and skill development, are focused on keyword and theme analyses.
Keywords:- Employability, Graduate Employability, Higher Education, Bibliometric Analysis and Research Trends.

Abstract
This study investigates how financial literacy and financial behaviour act as determinants of financial well-being among legal professionals in Kerala. Primary data were collected from 120 respondents using a structured questionnaire. Descriptive analysis, correlation, and regression techniques were employed. The findings reveal that financial literacy significantly contributes to financial well-being, while financial behaviour shows a positive but statistically insignificant influence. The study highlights the need for targeted financial education and behavioural support for legal professionals to enhance financial stability and long-term well-being. The study provides implications for professional financial education and policy formulation.
Keywords:- Financial Literacy, Financial Behaviour, Financial Well-being, Legal Professionals, Financial Education.

Abstract
The study examines the impact of Instagram Reels advertisements on the purchase intentions related to automotive accessories among youth in the Ernakulam district. The research is rooted in the increased adoption of social media platforms during the COVID-19 pandemic, which saw Instagram emerge as a dominant space for innovative and engaging marketing through its Reels feature. The study identifies key demographic and behavioural insights, including time spent on Instagram, engagement with Reels, and perceptions of product quality and brand trustworthiness. The emerging popularity of Instagram Reels significantly enhances awareness of new products, inspires purchase considerations, and promotes brand recall. Additionally, youth are more likely to explore a brand's websites or physical outlets after viewing engaging Reels. Instagram Reels, as a modern marketing tool, hold significant potential for influencing the purchase decisions of young consumers. This study explores how visually appealing and targeted Reels influence consumer attitudes, awareness, and behaviours, particularly among the youth aged 18-35.
Keywords:- Instagram Reels, Youth, Purchase Intention, Consumer Behaviour, Social Media Marketing, Automotive Accessories.

Abstract
Personal finance deals with managing one's own money. So, personal finance decisions are to be taken by an individual to lead a systematic and disciplined financial life. It plays a crucial role in determining the investment behaviour of individuals. The present study examines the impact of personal finance decisions on the investment pattern of salaried individuals residing in the urban areas of Thiruvananthapuram district. The primary objective of the study is to find out the extent to which various components of personal finance decisions, such as financial planning, investment planning, insurance planning, and estate planning, influence the investment pattern of salaried individuals. The findings of the study revealed that the majority of the salaried individuals residing in the urban areas prefer low-risk and traditional investment options, but those who have a strong awareness of personal finance have gone for diversified investment patterns and risk-bearing financial instruments. The study highlights the significant influence of personal finance decisions on investment patterns.
Keywords:- Personal Finance Decision, Financial Planning, Insurance Planning, Investment Pattern, Budgeting.

Abstract
This study examines tourists' perception of wellness tourism in Kerala, with special reference to satisfaction and revisit intention among visitors to wellness tourism spots in the Thiruvananthapuram district. It aims to identify the factors influencing tourist satisfaction and revisit intention and to analyse the effect of satisfaction on revisit intention. The study is based on both primary and secondary data. Primary data were collected from 100 tourists through a structured questionnaire using simple random sampling, and the data were analysed using SPSS with MANOVA and regression analysis. The findings show that gender, marital status, education level, and monthly income significantly influence tourist satisfaction and revisit intention, whereas age group and occupation do not show a consistent significant effect. The regression results further reveal that tourist satisfaction has a strong positive and statistically significant effect on revisit intention. The study concludes that improving service quality, hygiene, staff behaviour, infrastructure, and value for money is essential for enhancing tourist satisfaction and promoting the sustainable growth of wellness tourism in Kerala.
Keywords:- Wellness Tourism, Tourist Satisfaction, Revisit Intention, Kerala, Tourist Perception.

Abstract
Priority sector lending (PSL) is a crucial initiative in driving inclusive economic growth by directing financial resources to underserved sectors such as agriculture, MSMEs, education, housing, and renewable energy. This study explores the effective utilisation of PSL funds with a specific focus on the sources of repayment for priority sector loans. Based on primary data analysis, the research highlights the repayment trends across various loan categories, identifies the challenges of repayment, and examines how the loan source influences the sustainability of PSL programs. The findings reveal significant variations in repayment sources among different priority sectors, with income generated from projects being the most dependable repayment source. The paper also investigates the role of financial literacy, tailored loan products, and government subsidies in enhancing loan repayment success.
Keywords:- Priority Sector Lending, Effective Utilisation of Funds, Loan Repayment Sources, Agriculture, MSMEs, Weaker Sections, Financial Sustainability, Inclusive Growth.

Abstract
A Special Economic Zone is a trade capacity development tool with the goal of promoting rapid economic growth by using tax and business incentives to attract foreign investment and technology. A Special Economic Zone (SEZ) is a geographical region that has economic laws that are more liberal than a country's typical economic laws. SEZs attract investment and foreign exchange, spur employment and boost the development of improved technologies and infrastructure. In India, Special Economic Zones are being established in an attempt to deal with infrastructural deficiencies, procedural complexities, bureaucratic hassles and barriers raised by monetary, trade, fiscal, taxation, tariff and labour policies. Special Economic Zones/ Export Processing Zones are being established as industrial enclaves for expediting the process of industrialisation.
Keywords:- Special Economic Zone, Formal Approval, In-Principle Approvals, Export Processing zones, Foreign Investments.