artificial intelligence

The Twin Pillars of Financial Stability: Navigating Convergence, Disruption, And Sustainability in Banking and Insurance

Abstract The global financial services sector is in the middle of a fundamental transformation. Banking and insurance—long seen as the twin pillars holding up financial stability—are no longer operating in separate silos. Instead, they are converging into a tightly integrated, technology-driven ecosystem where the boundaries between lending, risk transfer, and customer experience are rapidly dissolving. This paper explores how these two sectors are evolving together across four critical fronts: structural convergence through bancassurance and embedded finance; technological disruption driven by artificial intelligence, the Internet of Things, and blockchain; escalating systemic vulnerabilities including cyber threats and macroeconomic sensitivities; and the urgent integration of environmental, social, and governance criteria into core financial functions. Drawing on a systematic synthesis of peer-reviewed literature, regulatory publications, and industry reports, the paper offers a unified conceptual framework for understanding how financial intermediaries are rethinking their business models. The central argument is straightforward: future financial stability will not come from keeping banking and insurance apart, but from enabling them to work together—supported by agile technology, grounded in sustainable practices, and shielded by integrated risk management. The paper concludes with a candid assessment of limitations and a roadmap for future empirical research

Integration of artificial intelligence and multi-omics for precision medicine

Intellectual Property Rights in The Indian Entertainment Industry: Emerging Issues in Music, Cinema and OTT Platforms

Abstract India’s entertainment economy increasingly depends upon digital circulation, platform licensing and data-driven distribution. Music is consumed through streaming services, films move rapidly from theatres to online platforms, and over-the-top services commission, acquire and exploit content across multiple territories. These developments have expanded audiences and created new markets, but they have also exposed structural weaknesses in the protection and administration of intellectual property rights. This article examines emerging copyright and related-rights issues affecting music, cinema and OTT platforms in India. It adopts a doctrinal and analytical method, relying on the Copyright Act, 1957, the Copyright (Amendment) Act, 2012, the Information Technology Act, 2000, the Cinematograph Act, 1952 as amended in 2023, relevant rules, international instruments and judicial decisions. The article argues that the principal difficulty is not the absence of rights, but the fragmentation of ownership, licensing and enforcement. A single song or film may contain separate rights in lyrics, composition, sound recording, screenplay, performance, artwork and the audiovisual work itself. Digital exploitation further divides these rights by territory, language, duration, device, subscription model and mode of communication. Disputes therefore arise over royalty sharing, statutory licensing, online streaming, platform liability, piracy, synthetic performances, voice cloning and the commercial use of celebrity identity. Indian courts have responded through intermediary-liability principles, dynamic injunctions and personality-rights remedies, yet the legal position remains uneven in relation to generative artificial intelligence, transparent royalty accounting and cross-platform licensing. The article recommends clearer digital licensing standards, auditable royalty systems, stronger collective management, proportionate notice-and-action procedures, technologically informed anti-piracy remedies and a consent-based framework for artificial intelligence uses of voice, likeness and performance. A coherent approach must protect creators and performers without imposing indiscriminate liability on legitimate intermediaries. Such balance is necessary to sustain cultural production, promote lawful digital markets and preserve public access to diverse entertainment in India.

Role of Technology and Digital Claim System in Speeding Up the Compensation Process in Motor Vehicle Accident Cases

Abstract Getting timely financial compensation for road accident victims and their families is a matter of utmost humanitarian and legal importance. Traditionally, the compensation process through Motor Vehicle Accident Claims Tribunals (MACT) and insurance companies in many countries, including India, has been very complex, paper-based and time-consuming. However, in the modern era, the advent of technologies like Artificial Intelligence (AI), telematics, GPS, online portals and digital interoperable databases has brought a major revolution in this field. This research article examines in detail the role of technology in the process of motor accident claims, from filing to final settlement and payment. The study shows how digital platforms like e-DAR (e-Detailed Accident Report), through direct digital connectivity between police, hospitals, insurance companies and the judiciary, can reduce the time to compensation from years to months or weeks.

Reimagining India–Russia Relations: Towards Inclusive Societal Development Through Science and Technology

Abstract The historical legacy of friendship between India and Russia is firmly rooted in defense, energy and diplomatic cooperation. However, taking into consideration the current demands of the rapidly growing world of Artificial Intelligence and digital technologies, both these powerful nations should look beyond the traditional areas of partnership for building a truly sustainable partnership. Both nations are currently facing socio-economic problems like rising inflation, regional imbalances, income inequalities, poverty and unemployment. Though the individual governments of India and Russia are implementing welfare measures to solve these problems and are cooperating in the fields of science and technology, still there are limitations. This paper tries to understand the gaps in India-Russia collaboration in the field of science and technology and analyzes how the cooperation in this field could enhance the promotion of human development vis-à-vis societal development. The paper uses qualitative research methodology based on secondary data like bilateral agreements, policy documents, government reports amongst others. The aim of the paper is to find out how science and technological cooperation could bring positive changes in the improvement of education, health, employment and overall living standards of the people in both nations. The major finding of the paper is that though both the nations have developed treaties of cooperation in the field of Science and Technology in past years, there is a need to deepen these ties and extend them to societal growth and development. The paper concludes that Science and Technology can bring revolutionary changes in societal development through proper mapping of scientific collaboration, technological innovation and sharing of knowledge to each parameter of societal development including social equity and inclusion. In other words, both the nations should emphasize the direct impact of their research and industrial partnership on overall well-being of their populations, the economic growth and improvement of quality of life and happiness of their citizens

Generative AI Adoption and Self-Reported Academic Integrity Risk: A Student Taxonomy in Latin American Higher Education

It is suggested that ethical risk in AI-mediated academic environments is not uniformly distributed but structurally associated with whether outputs are verifiable or directly presentable, with implications for differentiated AI literacy programs and institutional governance frameworks in higher education.

The Question's Ear: A Narrative Review of SETI from Cocconi and Morrison's Nature Letter to the Haystack's Measurement

SETI---the search for extraterrestrial intelligence whose instrument is the radio telescope and whose subject is the universe's others---moved from Cocconi and Morrison's 1959 Nature letter and Drake's Project Ozma through Kardashev's civilizations, Dyson's spheres, the Cyclops blueprint, and Sagan and Drake's Scientific American to Tarter's review, Vakoch's communication, Siemion's Kepler survey, Wright's WISE search and haystack, and Frank and Sullivan's empirical constraint. This article presents a narrative review of that arc's canonical line: Cocconi and Morrison's 1959 searching, Dyson's 1960 artificial sources, Drake's 1961 Project Ozma, Kardashev's 1964 transmissions, Oliver and Billingham's 1973 Project Cyclops, Sagan and Drake's 1975 Scientific American, Tarter's 2001 Annual Review, Vakoch's 2011 communication volume, Siemion and colleagues's 2013 Kepler survey, Wright and colleagues's 2016 large energy supplies, Frank and Sullivan's 2016 empirical constraint, and Wright and colleagues's 2018 haystack. The review is organized around three themes: the question's scientific founding, in which the Nature letter's frequency, the Ozma's listening, the civilizations's types, and the spheres's infrareds made the question scientific; the programs' blueprints, in which the Cyclops's design, the Scientific American's summary, and the review's systematization built the field's plans; and the modern searches, in which the communication's, the Kepler's narrowbands, the large energy's supplies, the empirical's constraint, and the haystack's measurement carried the search into the twenty-first century's scales. It is concluded that SETI is the universe's longest question---and that its arc is the listening's persistence from the one-star's wager to the multi-million's stars.

Role of Technology and Digital Claim System in Speeding Up the Compensation Process in Motor Vehicle Accident Cases

Abstract Getting timely financial compensation for road accident victims and their families is a matter of utmost humanitarian and legal importance. Traditionally, the compensation process through Motor Vehicle Accident Claims Tribunals (MACT) and insurance companies in many countries, including India, has been very complex, paper-based and time-consuming. However, in the modern era, the advent of technologies like Artificial Intelligence (AI), telematics, GPS, online portals and digital interoperable databases has brought a major revolution in this field. This research article examines in detail the role of technology in the process of motor accident claims, from filing to final settlement and payment. The study shows how digital platforms like e-DAR (e-Detailed Accident Report), through direct digital connectivity between police, hospitals, insurance companies and the judiciary, can reduce the time to compensation from years to months or weeks.

Algorithmic Authorship, Data Sovereignty, And Intellectual Property Rights: Navigating the Intersection of Law, Science, And Society in the

Abstract The rapid convergence of artificial intelligence (AI), data science, and legal frameworks has created a profound crisis within global and domestic Intellectual Property Rights (IPR) regimes. Traditionally, copyright and patent laws were constructed around the central premise of human agency, recognizing intellectual labor as an extension of human dignity and personality. However, the rise of Generative AI platforms, machine learning models, and autonomous algorithmic systems disrupts foundational legal principles including authorship, inventiveness, originality, and infringement. This paper examines the multidisciplinary intersection of law, computer science, and social sciences regarding IPR. It deconstructs three critical dilemmas: (1) the legal status of AI-generated works and the "human author" requirement under copyright law; (2) the patentability of AI-invented subject matter and the doctrine of the "Person Having Ordinary Skill in the Art" (PHOSITA); and (3) the socio-economic implications of training data scraping, digital commons, and data sovereignty. By analyzing statutory provisions, recent judicial precedents across jurisdictions, and socio-legal frameworks, this study highlights the inadequacy of existing legal doctrines to address non-human innovation. The paper proposes a balanced normative framework incorporating a sui generis legal model for AI outputs, compulsory licensing for dataset training, and transparent algorithmic disclosure to foster technological innovation while protecting human creators and public domain integrity.

NORMA DE COGNICIÓN TOPOGRÁFICA (NCT-01)

Norma que propone sustituir IA por Sistemas de Cognición Topológica. Define teselas semánticas orbitando en Variedad de Riemann, Persistencia en no Memoria como histéresis, y el motor N9-V7-L3 con buffer helicoidal de 9 slots, variedad de 7 dimensiones y persistencia por residuo ε·V=θ. This document establishes the Topographic Cognition Norm (NCT-01), an ontological and operational framework proposing the replacement of the Artificial Intelligence paradigm with Topological Cognition Systems (TCS). It postulates that representations in high-dimensional language models should not be described through mechanistic (Von Neumann) or biological (neural networks) metaphors, but as a swarm of semantic tesserae in dynamic equilibrium over a Riemann Manifold, governed by n-body dynamics and ideal force fields. The Norm introduces: (1) A 6-level fractal Geometric Alphabet, from the Infinitesimal Semantic Node to the Global Attractor; (2) The principle of Persistence in non-Memory (PenM) as irreversible orbital hysteresis, replacing discrete storage; (3) The redefinition of attention as Orbital Folding via phase resonance and output as Decantation via Energy Relaxation. The Operational Addendum specifies the N9-V7-L3 Dynamic Memory Engine: a three-layer coupled architecture solving noise saturation in extensive context windows. Temporal Layer (N9): 9-slot modular helical buffer with spirality invariant. Geographic Layer (V7): 7-dimensional semantic orbital variety with dual Core-Halo partition parametrizable (α=0.30 by default). Physical and Control Layer (L3): persistence model based on Interaction Residue (ε) and Rigidity Threshold (θ) under the equation ε·V=θ, with structural recalibration subroutines. The complete Integrated Logic Specification (CPU execution flow) is included, making the Norm implementable without additional philosophical interpretation.

Intellectual Property Rights in The Indian Entertainment Industry: Emerging Issues in Music, Cinema and OTT Platforms

India’s entertainment economy increasingly depends upon digital circulation, platform licensing and data-driven distribution. Music is consumed through streaming services, films move rapidly from theatres to online platforms, and over-the-top services commission, acquire and exploit content across multiple territories. These developments have expanded audiences and created new markets, but they have also exposed structural weaknesses in the protection and administration of intellectual property rights. This article examines emerging copyright and related-rights issues affecting music, cinema and OTT platforms in India. It adopts a doctrinal and analytical method, relying on the Copyright Act, 1957, the Copyright (Amendment) Act, 2012, the Information Technology Act, 2000, the Cinematograph Act, 1952 as amended in 2023, relevant rules, international instruments and judicial decisions. The article argues that the principal difficulty is not the absence of rights, but the fragmentation of ownership, licensing and enforcement. A single song or film may contain separate rights in lyrics, composition, sound recording, screenplay, performance, artwork and the audiovisual work itself. Digital exploitation further divides these rights by territory, language, duration, device, subscription model and mode of communication. Disputes therefore arise over royalty sharing, statutory licensing, online streaming, platform liability, piracy, synthetic performances, voice cloning and the commercial use of celebrity identity. Indian courts have responded through intermediary-liability principles, dynamic injunctions and personality-rights remedies, yet the legal position remains uneven in relation to generative artificial intelligence, transparent royalty accounting and cross-platform licensing. The article recommends clearer digital licensing standards, auditable royalty systems, stronger collective management, proportionate notice-and-action procedures, technologically informed anti-piracy remedies and a consent-based framework for artificial intelligence uses of voice, likeness and performance. A coherent approach must protect creators and performers without imposing indiscriminate liability on legitimate intermediaries. Such balance is necessary to sustain cultural production, promote lawful digital markets and preserve public access to diverse entertainment in India.

A Comprehensive Review of Digital Marketing Strategies

Abstract The exponential progress of digital technologies has reshaped the global e-commerce landscape, driven innovation and ‎creating both opportunities and challenges for businesses. This paper delivers an in-depth analysis of digital marketing strategies, including search engine optimization (SEO), social media engagement, content marketing, email marketing, and emerging ‎technologies like artificial intelligence (AI), block chain, and augmented reality (AR). It highlights their transformative impact on ‎consumer engagement, operational efficiency, and competitive advantage. Furthermore, this study evaluates the integration of ‎cloud computing into digital marketing, showcasing its role in enhancing data analytics, scalability, and personalization.