International Conference on Role of Digital Transformation in Commerce: Leveraging Technology for Sustainable Growth | International Journal of Science, Engineering and Technology

	04, September, 2025
	ORGANISED BY Department of B.COM & Department of B.COM (CS) SRI VASAVI COLLEGE, ERODE Erode, Tamil Nadu, India
	Patron CA. C. Bala Rama Prakash Secretary
Advisor	Convenors	Organizing Committee
Dr. G. Malarvizhi Principal Dr. K. Anandapadmanabhan Dean	Mrs. T. Agila Asst. Prof. & HoD, Dept. of B. Com Mrs. R. Sukasini Asst. Prof. & HoD, Dept. of B.Com (CS)	Ms. P. Keerthana, Mrs. P. Mohanapriya, Mr. M. Santhosh Asst. Prof. in Dept. of B.ComMrs. V. Malarkodi, Ms. A. Kaviya, Ms. S. Vaishnavi Ellamma Asst. Prof. in Dept. of B.Com (CS)

Neuro Commerce: Revolutionizing E-Commerce Through Brain -Computer Interfaces and Ai-Driven Personalization

Authors: Ms.U.Reshma, Mr.S.Abinav, Mr.M.J.George Kutty

Abstract: Neuro Commerce is a next-generation e-commerce website that combines Brain-Computer Interface (BCI) technology and Artificial Intelligence (AI) personalization to support thought-enabled shopping. Consumers wear non-invasive neural headsets (e.g., EEG headsets or neural earbuds) to communicate with the site, viewing products, making selections, and checking out utilizing brainwave signals. The site's AI convert neural activity to read user intent, preference, and emotional responses, creating a highly intuitive, highly personalized shopping experience

DOI: http://doi.org/10.5281/zenodo.17499797

Transforming Consumer Behavior in The Digital Era: Challenges and Opportunities for The Media Industry

Authors: Ms.A.Kaviya, Ms.S.Brindha

Abstract: In the digital age, consumers can access information more easily and quickly through various platforms like the internet, social media, and mobile apps. This shift has changed how people find, access, and interact with media content. The main challenge for the media industry is keeping up with consumers who are tech-savvy and have high expectations. The industry needs to respond quickly and create relevant, innovative marketing strategies to remain competitive. This study explores how consumer behavior is changing in this digital context and its effects on the media industry.

DOI: http://doi.org/10.5281/zenodo.17164765

SOCIAL MEDIA CONSUMPTION AMONG INDIAN COLLEGE STUDENTS AS AN INDICATOR OF FUTURE COMMERCE

Authors: Dr.P.Saravana Kumar, Ms.S.Shri Sangeetha

Abstract: The digital revolution of commerce is upgrading and shaping the social media platforms that plays between the terms communication and consumption. This study shows the social media usage patterns that future drives of market demand among the college students in India. Using a mixed method approach, this study examines the preference of social media platforms for brand discovery, impact on purchase consideration through influencer marketing and the use of digital payment system. This study concludes that college students in India not only represent the next generation of consumers but also act as a indicators of how commerce will evolve in social media environment

DOI: http://doi.org/10.5281/zenodo.17049326

Rural Adoption Of Digital Payments – Opportunities And Challenges

Authors: Dr.R.Latha

Abstract: A Digital payment system in India aims to produce a cashless frugality by reducing cash use. Espousing electronic deals improves effectiveness and translucency, while also fostering faster profitable growth. This study evaluates the electronic sale system in India, covering styles of digital payments, recent trends in digital deals, and the challenges of getting a cashless frugality. The study relies on secondary data sources. It shows that India still lags in electronic deals. Still, after demonetization in 2016, there has been a positive shift toward increased use of digital deals. The study recommends that the government promote and encourage both agencies and private sector service providers to ameliorate fiscal knowledge significantly

DOI: https://doi.org/10.5281/zenodo.17049813

A Study On Consumer Opinion And Perception Of E-Shopping In Namakkal District.

Authors: Dr.S.Vijayalakshmi, Ms.S.Selvarani

Abstract: This article investigates customer perceptions of online shopping in Namakkal district. The study explores how these perceptions influence shoppers' daily decisions. Customer perception is impacted by various factors, including advertising, reviews, public relations, social media, and personal experiences. Nowadays, customers are excited about online shopping due to the wide range of internet options available. The questionnaire was developed using insights from previous research and feedback from a pilot study. The results show that customers are likely to continue online shopping for products through websites like eBay and Flipkart. The study suggests that advertisers should pay attention to each customer's efforts in the market, considering the impact of television ads on online shopping behavior

DOI: https://doi.org/10.5281/zenodo.17049473

A Study On Impact Of Digital Marketing On Consumer Trust And Engagement In The Online Retail Sector

Authors: Dr.S.Vijayalakshmi, Mr.M.Senthil

Abstract: Digital marketing's rising popularity has completely changed how companies advertise their goods and services. Businesses now have a different understanding of consumer behavior and how consumers engage with brands thanks to digital marketing. Through a thorough analysis of the literature, this review paper seeks to investigate how digital marketing affects consumer behavior. The research objectives and methodology are presented after an introduction to digital marketing and its importance. Recent studies that address different facets of digital marketing and its influence on consumer behavior are analyzed in the literature review. Digital marketing significantly affects consumer behavior, including decision-making, brand loyalty, trust, and purchase intentions, according to the analysis. The paper's conclusion discusses the implications of these findings for businesses, emphasizing how important it is for them to comprehend and use digital marketing to better connect with their target audience.Using digital platforms and technologies to advertise goods and services is known as digital marketing. It has completely changed how companies communicate with their target market and is now a crucial part of marketing plans. Search engine optimization, content marketing, email marketing, social media marketing, and paid advertising are all included in the category of digital marketing. Using social media platforms to advertise goods and services is known as social media marketing

DOI: https://doi.org/10.5281/zenodo.17049412

A Chi-Square Approach To Understanding Recent Developments In Digital Payment Systems

Authors: Mrs.P.Sangeetha, Ms.J.Nivetha

Abstract: The Chi-square test is used in this study to investigate the association between digital payment methods and their frequency of use. Understanding user preferences is critical as online banking, mobile banking, and mobile wallets proliferate at a rapid pace, fueled by technology advancements and the COVID-19 epidemic. A standardized questionnaire was used to obtain information about transaction behavior and payment options. The study reveals a direct link between the type of digital payment mechanism and how frequently people conduct online transactions. The findings imply that factors such as ease, accessibility, and familiarity have a major impact on user behavior. These findings are useful for enhancing digital payment platforms, advising financial institutions, and supporting initiatives that encourage the widespread adoption of safe and user-friendly digital payment methods.

DOI: https://doi.org/10.5281/zenodo.17049666

Role Of Cyber Security In Protecting E-Commerce Platforms

Authors: Mrs.P.Thavamani, Mrs.P.Jeevitha

Abstract: Cyber security is now a major concern for people, companies and governments worldwide due to extensive use of digital technology and the internet. Cyber security protects computer system from information discloser, misdirection, damage or theft of electronic data, software or hardware. In e-commerce, it is all about electronic security related to e-commerce activity. e-commerce platforms have prime target for cyber threats, posing significant risk to business and consumers. The integrity, privacy and safety of customers and e-commerce business is essential to safeguarding the Cyber security. In this paper we use techniques for security purpose in detecting, preventing and predicting the cyber-attack. The study provides a comprehensive understanding of how these threats affect the different sectors within e-commerce

DOI: https://doi.org/10.5281/zenodo.17049559

Artificial Intelligence In The Future Of Commerce

Authors: Ms.S. Vaishnavi Ellamma, Mr.S.Loganathan

Abstract: In recent years, the field of commerce has changed a lot because of new technologies, globalization, changing consumer habits, and new rules. This research article offers an exhaustive examination of the prevailing trends, principal challenges, and prospective developments in the field of commerce. It talks about how E-commerce, worries about the environment, digital payment systems, and the rise of artificial intelligence have changed the way business is done. The study seeks to clarify the essential role of adaptability and innovation in managing the intricacies of contemporary commerce and attaining sustainable growth

DOI: http://doi.org/10.5281/zenodo.17164744

Unveiling The Benefits Of Cloud Computing In Commerce

Authors: Mr.R.Palaniyappan, Dr.S.Anusuya

Abstract: Cloud computing has transformed the commercial landscape by offering scalable, cost-effective, and innovative solutions that enhance business operations. This research paper explores the multifaceted benefits of cloud computing in commerce, highlighting its role in cost reduction, operational efficiency, customer engagement, data-driven decision-making, and overall business growth. The paper also analyzes existing challenges such as security, compliance, and vendor lock-in, while examining future trends like artificial intelligence, edge computing, and sustainability. Drawing upon recent literature, this study provides an integrated understanding of how cloud computing shapes modern commerce and supports businesses in achieving competitiveness and resilience in the digital economy

DOI: http://doi.org/10.5281/zenodo.17049773

A Comparative Study Between Online Food Ordering Services And Offline Food Services With Special Reference To Erode City

Authors: Mrs.R.Sukasini, Dr.K.Subramaniam

Abstract: Technology innovation has revolutionized all the daily practices we undertake. Online food ordering service is one of them. Online food ordering service was initially initiated by Zomato in 2018 followed by Swiggy, Food Panda and Uber eats. Although the physical nourishment administrations provided by various Restaurants and lodging is yet dominating the time today, the online framework which has emerged in the recent past is going to take over the physical form. This trend is highly recognizable in developed urban areas of India. Therefore, this article attempts to find the trend in developing city like Erode the various factors affecting that. This article discusses the preferences of online food inclinations that quantifiably and verifies the results with statistical methods and tools. Furthermore, it discusses the future of offline food services in close future

DOI: http://doi.org/10.5281/zenodo.17091618

Digital Payment Systems: A Core Driver Of Financial Inclusion & Commerce

Authors: Dr.S.ARULRAJ, Ms.D.Mythili

Abstract: Digital payment systems (DPS) such as UPI, QR-based wallets, PoS machines, and net banking have grown rapidly in India, especially after the government’s financial inclusion and digitalization initiatives. In semi-urban districts like Erode (Tamil Nadu), known for textiles, turmeric, and agro-trade, small retailers play a vital role in the local economy. This study explores the adoption and impact of DPS among small retailers in Erode District, focusing on adoption levels, influencing factors, barriers, and post-adoption effects. A survey of 200 small retailers reveals that 76% have adopted DPS, with UPI/QR codes being the most popular. Retailers report reduced cash handling, faster checkouts, and improved record-keeping, though challenges like transaction failures, MDR on cards, and reconciliation issues persist. The study suggests strengthening awareness, infrastructure, and policy support to ensure sustainable adoption.

DOI: http://doi.org/

Impact Of Digital Transformation On Consumer Buying Behaviour

Authors: Dr.C.Yasodha, Dr.P.Murugesan

Abstract: A significant shift in consumer buying habits away from traditional brick-and-mortar stores and toward online marketplaces has resulted from the widespread use of the internet and advancements in e-commerce. This study looks into the factors influencing the shift in consumer buying habits and evaluates how this development affects businesses, society, and the economy. The study employs a mixed-methods approach that combines both qualitative and quantitative data to examine the changing trends in customer expectations and preferences. Additionally, it uses case studies, survey data, and a careful review of the literature.. Price, accessibility, usability, the influence of social media, and customer confidence are all crucial factors that are closely analyzed to determine how they impact the dynamics of evolving online purchasing. The study also assesses the potential impact of this shift in consumer preferences on digital marketing strategies. conventional retail formats and regulations pertaining to consumer protection. The goal of the study is to provide a comprehensive understanding of the evolving trends in consumer behavior. This information can help lawmakers, marketers, and retailers better navigate the opportunities and challenges presented by the e-commerce revolution The digital transformation influence on consumer behavior is more than just a transition from physical shopping to online shopping. It entails several dimensions, such as transforming consumers' expectations, tastes, and buying behavior.

DOI: http://doi.org/10.5281/zenodo.17092390

Digital Payment Systems In Erode District: Adoption And Impact Amoung – A Study In Erode District

Authors: Dr.S.ARULRAJ, Ms.D.Mythili

Abstract: Digital payment systems (DPS) such as UPI, QR-based wallets, PoS machines, and net banking have grown rapidly in India, especially after the government’s financial inclusion and digitalization initiatives. In semiurban districts like Erode (Tamil Nadu), known for textiles, turmeric, and agro-trade, small retailers play a vital role in the local economy. This study explores the adoption and impact of DPS among small retailers in Erode District, focusing on adoption levels, influencing factors, barriers, and post-adoption effects. A survey of 200 small retailers reveals that 76% have adopted DPS, with UPI/QR codes being the most popular. Retailers report reduced cash handling, faster checkouts, and improved record-keeping, though challenges like transaction failures, MDR on cards, and reconciliation issues persist. The study suggests strengthening awareness, infrastructure, and policy support to ensure sustainable adoption.

DOI: http://doi.org/10.5281/zenodo.17091864

Strengthening E-Commerce Through Cybersecurity: Emerging Approaches And Challenges

Authors: Ms.R.Kavitha, Ms.P.Deepa

Abstract: E-commerce has transformed the way businesses operate and consumers shop, offering convenience, speed, and global reach. However, the rapid growth of digital transactions has also increased the risk of cyber threats, making cybersecurity a critical factor for sustainable e-commerce development. This paper explores the emerging trends and challenges in e-commerce cybersecurity, highlighting issues such as phishing, identity theft, payment fraud, data breaches, and evolving malware attacks. It also discusses the role of advanced technologies including artificial intelligence, blockchain, cloud security, and multi-factor authentication in mitigating risks. By analyzing both current practices and future threats, this study emphasizes the importance of robust cybersecurity strategies in maintaining customer trust and supporting the secure growth of digital commerce.

DOI: http://doi.org/10.5281/zenodo.17092427

Cyber Security Frameworks For E-Commerce Enterprises

Authors: Mrs.M.Brindha, Mrs.S.Shanmugapriya

Abstract: In today's rapidly changing digital landscape, e-commerce platforms have become prime targets for cyber threats, posing significant risks not just to businesses but also to consumers. This paper delves into the most pressing cybersecurity threats facing e-commerce and outlines the current trends in these dangers. It highlights key categories of threats identified by the authors, including phishing attacks, malware, data breaches, and insider threats, emphasizing their increasingly sophisticated and destructive nature. The discussion also addresses major issues in cybercrime, such as the misuse of artificial intelligence and machine learning by criminals, the security vulnerabilities introduced by Internet of Things (IoT) devices, and how evolving regulations impact these threats. By providing a thorough understanding of how these risks affect various sectors of e-commerce, the research reveals challenging cases and industry-specific threats highlighted in recent news. To effectively navigate this shifting threat landscape, the paper outlines a range of mitigation strategies. It discusses technical solutions like encryption, secure payment gateways, and intrusion detection systems, alongside organizational practices such as employee training, incident response planning, and access control policies. Additionally, the paper raises the important issue of "business legal and regulatory obligations," stressing the need for companies to comply with regulations like GDPR and CCPA, echoing the sentiment found in the King James Version of the New Testament. Finally, it explores the importance of collaboration and information sharing within the industry, as these efforts can significantly enhance the collective cybersecurity measures.

DOI: http://doi.org/10.5281/zenodo.17092493

The Future Of Digital Payments In India: Growth Trends, Challenges, And Post- Pandemic Prospects

Authors: Dr.P.Venkataraman

Abstract: India’s digital payment system has transformed rapidly in the last decade due to technological innovations, supportive regulations, and changes in consumer habits. Among various modes, the Unified Payments Interface (UPI) has been the primary driver, representing more than four-fifths of retail digital payments in FY 2023–24 and projected to cross nine-tenths by FY 2028–29. Credit card penetration has expanded considerably, whereas debit card usage has shown a downward trend, reflecting a shift in consumer preference. Merchant acceptance networks, supported by QR codes and innovative payment solutions, are spreading to semi-urban and rural regions. The COVID-19 crisis pushed consumers towards contactless transactions, though gaps in infrastructure, security risks, and limited awareness remain barriers. This study examines the growth trajectory of India’s digital payments, explores consumer behaviour during and after the pandemic, and evaluates new opportunities such as cross-border payments and fintech partnerships. The overall assessment suggests that while some challenges persist, the long-term outlook for digital payments in India remains robust, contributing to financial inclusion and the move toward a less-cash economy

DOI: http://doi.org/10.5281/zenodo.17092538

Customer Behavior Toward Mobile Shopping Apps A Study In Erode District

Authors: Dr.M.Prakash, Ms. M. Myvizhi

Abstract: The emergence of mobile shopping applications has revolutionized the retail industry by offering consumers convenience, personalization, and ease of access. With the rapid penetration of smartphones and internet connectivity, mobile shopping apps have become integral to modern consumer lifestyles. This paper examines customer behavior toward mobile shopping apps by analyzing the factors influencing adoption, usage patterns, trust, satisfaction, and future intentions. The study emphasizes how demographic variables, perceived ease of use, security, and technological familiarity impact customer preferences. The findings suggest that customers value speed, user experience, and promotional benefits while concerns about data privacy and payment security remain key challenges. The study contributes to understanding consumer psychology in mobile commerce and provides insights for app developers, marketers, and retailers

DOI: http://doi.org/10.5281/zenodo.17092673

Empirical Analysis Of Future Commerce Trends

Authors: Mr.R.Senthil Kumar, Mrs.G.Priya

Abstract: The future of commerce is being reshaped by technological innovation, digital transformation, and evolving consumer expectations. Emerging trends such as artificial intelligence (AI), blockchain, sustainable practices, omnichannel experiences, and globalization are redefining how businesses create, deliver, and capture value. This paper explores the future of commerce by reviewing key literature, analyzing market trends, and examining the drivers influencing commerce transformation. Findings reveal that personalization, data-driven decision-making, automation, and sustainability will be central to shaping the next era of trade. The study concludes with recommendations for businesses, policymakers, and stakeholders to adopt agile strategies, integrate advanced technologies, and focus on ethical and sustainable practices to thrive in the evolving commercial landscape.

DOI: http://doi.org/10.5281/zenodo.17092702

Sustainable Innovation: Refund Based Cloth Recycling System Using Plastic Waste

Authors: Ms.K.R.Athira, Mr.N.Arjun Krishna

Abstract: Sustainability has become a central focus in contemporary research, policy, and industrial practices due to growing environmental challenges. Among these, plastic waste management has emerged as a global concern because of its non-biodegradable nature and harmful impact on ecosystems. This article proposes a theoretical framework for a refund-based cloth recycling system utilizing plastic waste. The returned cloth is then broken down into small particles then mixed with the cements and bricks. Hence it is more than recycling. The system combines the principles of circular economy, waste-to-wealth innovation, and consumer participation mechanisms to address environmental degradation while promoting social and economic sustainability. Through a theoretical exploration, this paper emphasizes how plastic waste can be converted into textile products and reintegrated into the economy via a structured refund-return system

DOI: http://doi.org/10.5281/zenodo.17173474

A Study On, “The Role Of Green Marketing In Shaping The Future Of Sustainable Commerce”

Authors: Mrs.P.Mohanapriya, Dr.K.Subramaniam

Abstract: The future of international business is being increasingly defined by sustainability and environmental stewardship. Green marketing, or promoting goods and services on the basis of their environmental virtues, has become an essential business strategy in the 21st century. Increasing awareness among consumers, tighter environmental protection laws, and development in green technologies are propelling this change. This article discusses the future of business under the impact of green marketing with analysis of major trends, challenges, and opportunities. Though high costs of implementation and the threat of greenwashing are the hindrances, green marketing holds considerable benefits like increased brand loyalty, differentiation from the competitors, and sustainable profitability. The research concludes that green marketing is not a voluntary strategy but rather a necessity for companies that want to succeed in the environmentally sensitive market.

DOI: http://doi.org/10.5281/zenodo.17092777

A Study On Digital Payment System: Future And Feasibilities With Special Reference To Erode District

Authors: Ms.P.Keerthana, Dr.P.Saravanakumar

Abstract: Digital payment systems have come as game changer in India's financial landscape, facilitating faster, secure and more transparent transactions. As the government is opting for a cashless economy and there is mass adoption of smart phones and Internet services, district such as a Erode are experiencing a revolutionary change in financial behaviors. This research focus is on the development, issues and future viability of electronic payments in the Erode district. The study employs both primary and secondary data to evaluate consumer attitudes, levels of adoption, security issues and scope for future expansion

DOI: http://doi.org/10.5281/zenodo.17183434

A Study On Exploring The Impact Of Social Media On Consumer Buying Behaviour

Authors: Dr.S.Vijayalakshmi,, Mrs.M.Kiruthika

Abstract: One of the most popular and widely used communication tools available today is social media. Experiences with a product, service, or platform are also covered. Every day, thousands of people read these user-posted product reviews on social media, and they are beginning to affect consumers' decisions to buy. Businesses have started using social media to promote their products and services after realizing its potential. Social media is now used to effectively market products and services to a wide audience. This essay's goal is to identify the ways in which different aspects of social media can affect consumers' decisions to buy

DOI: http://doi.org/10.5281/zenodo.17092904

Agrobotics: IoT Based Smart Agriculture System

Authors: Arpit Kumar Gope, Jadav Ansh Ashokbhai, Kargavkar Karan Bharatbhai, Kunbi Paras Vilash, Dr. Nithya A

Abstract: Agriculture continues to be the backbone of most farm-based economies, both as a major economic sector and as a source of employment. Nevertheless, the sector still experiences major challenges like unpredictable climatic fluctuations, inadequate real-time monitoring of crops, poor resource use, and declining agricultural labor. The use of smart agriculture, which merges modern technologies with conventional farming, presents effective solutions to these challenges. This article proposes a smart agriculture system that utilizes the Internet of Things (IoT) and Artificial Intelligence (AI). IoT sensors allow for realtime environmental data acquisition, while AI facilitates predictive modeling and self-learning decision-making. Blockchain technology further helps in secure, transparent, and efficient management of agricultural supply chains. The suggested method increases productivity, minimizes wastage of resources, and optimizes supply chain processes, and thus supports sustainable and technology-based agriculture.

DOI: http://doi.org/10.5281/zenodo.17090217

Digital Payment Systems: A Core Driver Of Financial Inclusion & Commerce

Authors: Mrs.T.Agila, Mr.M.Santhosh

Abstract: By furnishing secure, speedy, and transparent backups for conventional cash- grounded deals, digital payment systems have fully converted the fiscal ecosystem. They lower sale costs, formalize husbandry, and are essential for advancing fiscal addition, especially in developing nations. Different but coincident models of digital finance relinquishment are instanced by platforms like M- Pesa in Africa, Apple Pay in developed husbandry, and the Unified Payments Interface( UPI) and Paytm in India. In order to assess relinquishment trends, openings, and challenges, this paper synthesizes case studies, literature, and relative analyses. It contends that indeed though digital payments are revolutionizing transnational trade, issues like cybersecurity pitfalls, incompatibilities, and nonsupervisory fragmentation continue to be obstacles. According to the study's findings, combining blockchain technology, artificial intelligence(AI), and central bank digital currencies (CBDCs) will define the unborn line of global payment architectures.

DOI: http://doi.org/10.5281/zenodo.17091824

Digital Payment Systems: A Core Driver Of Financial Inclusion & Commerce

Authors: Mrs.T.Agila, Mr.M.Santhosh

DOI: http://doi.org/10.5281/zenodo.17091824

Digital Payment Systems: A Core Driver Of Financial Inclusion & Commerce

Authors: Mrs.T.Agila, Mr.M.Santhosh

DOI: http://doi.org/10.5281/zenodo.17091824

Upi-Driven Digital Payment Systems: Catalyzing Financial Inclusion And Sustainable Economic Growth In Rural India

Authors: Mrs.R.Ramya, Dr.S.Muthumari

Abstract: The proliferation of digital payment systems, particularly the Unified Payments Interface (UPI), has emerged as a transformative force in India's rural economy. This comprehensive study analyzes the impact of UPI on financial inclusion. Our findings reveal that 38% of rural and semi-urban populations prefer UPI for transactions, while 96% show strong inclinations toward saving and investment. Despite this progress, challenges persist, including digital literacy gaps (18% of women remain unaware of financial inclusion schemes) and a continued preference for traditional banking (86% still visit branches). This research provides evidence-based recommendations for policymakers, financial institutions, and development practitioners to address these challenges.

DOI: http://doi.org/10.5281/zenodo.17104287

A Study On Digital Payments System On Garment Units

Authors: Mr.B.Sanmugam, Ms.M.Monicka

Abstract: To expedite financial transactions, the apparel industry, which plays a significant role in the global apparel units, is progressively incorporating digital payment systems. When it comes to wage distribution, supplier payments, customer sales, digital payment – via mobile wallets, UPI, debit/credit cards, QR codes, and online banking – offer efficiency, transparency and security. The adoption of digital payment systems in clothing units is examined in this study, with an emphasis on the advantages, difficulties, and long-term effects. The results of surveys, literature reviews, and case studies of small and medium-sized clothing businesses show that the use of digital payments lowers transaction costs, guarantees quicker wage payments, and boosts international trade competitiveness. But obstacles like lack of digital literacy, security threats, and poor infrastructure in rural clothing clusters continue to exist. But there are still obstacles including poor infrastructure, security threats, and digital illiteracy in rural clothing clusters. The study comes to the conclusion that, with improved infrastructure, governmental support, and training, digital payment methods are essential to the modernization and international integration of clothing units.

DOI: http://doi.org/10.5281/zenodo.17104818

The Role Of Synesthetic Marketing In The Future Of Commerce

Authors: Ms.S.Sangeetha, Dr.A.Gurumoorthy

Abstract: The commerce of the future is shaped by technology, psychology, and emerging marketing practices. Synesthesia is a cross-modal experience in which one sense activates another. It presents a new method of engaging marketing communication. This paper discusses how synesthesia can serve as a means to enhance consumer engagement, increase brand recognition, and influence purchasing behavior. By designing engaging multi-sensory experiences, companies can stand out in a noisy digital marketplace. This article identifies major features of synesthetic marketing, examines current research, and presents its impact on sustainable business development and the commerce future.

DOI: http://doi.org/10.5281/zenodo.17105150

The Role Of Social Media Influencers In Shaping Customer Experience For E-Commerce Brands

Authors: Mrs.U.Karthigai Selvi,, Dr. J. Sabitha

Abstract: The rapid expansion of e-commerce has transformed customer engagement, with social media influencers (SMIs) playing a critical role in shaping consumer perceptions and experiences. Influencers act as digital opinion leaders, bridging the gap between brands and customers by offering relatable, authentic, and persuasive content. This paper examines how social media influencers enhance customer experience in e-commerce through trust-building, personalized recommendations, interactive content, and community engagement. The study further highlights opportunities and challenges for e-commerce brands leveraging influencer marketing

DOI: http://doi.org/10.5281/zenodo.17105310

Redefining Commerce Through Emerging Thechnologies: Opportunities And Challenges

Authors: Dr.K.Gunasundari, Ms.E.S.Pabitha

Abstract: The rapid advancement of emerging technologies such as Artificial Intelligence (AI), Blockchain, Augmented Reality (AR), the Internet of Things (IoT), and Big Data analytics is fundamentally reshaping the landscape of modern commerce. These innovations are redefining customer expectations, business operations, and value delivery mechanisms across both physical and digital retail environments. This paper explores how these technologies are transforming commerce by enhancing personalization, enabling seamless omni-channel experiences, optimizing logistics, and increasing transparency and trust in transactions.

DOI: http://doi.org/10.5281/zenodo.17105397

Application Of Large Language Models(LLMS) In The Documentation Workflows Of The Banking Industry- With Reference To American Banks

Authors: Jayashree krishnan

Abstract: With the rise of more and more large language models, its application and implication has become prominent and indispensable in the American documentation industry. This research paper aims to outline the various documentation tools used by banks in America, its uses, its impact(both positive and negative). This paper also outlines the ways of documentation in earlier days till the days LLMS are implemented today.The method used is based on the sources available on the internet and also based on the operations workflow knowledge in banking industry. The outcome of this paper implies both positive and negative impact of the LLMS, its threats,challenges and risks. Ultimately, application of LLMS in American banking industry can enhance the way a client experiences his banking needs.

DOI: http://doi.org/10.5281/zenodo.17112594

Digital Payment Systems in Erode District: Adoption and Impact Among – A Study in Erode District

Authors: Dr.S.ARULRAJ, Ms.D.Mythili

Abstract: Digital payment systems (DPS) such as UPI, QR-based wallets, PoS machines, and net banking have grown rapidly in India, especially after the government’s financial inclusion and digitalization initiatives. In semiurban districts like Erode (Tamil Nadu), known for textiles, turmeric, and agro-trade, small retailers play a vital role in the local economy. This study explores the adoption and impact of DPS among small retailers in Erode District, focusing on adoption levels, influencing factors, barriers, and post-adoption effects. A survey of 200 small retailers reveals that 76% have adopted DPS, with UPI/QR codes being the most popular. Retailers report reduced cash handling, faster checkouts, and improved record-keeping, though challenges like transaction failures, MDR on cards, and reconciliation issues persist. The study suggests strengthening awareness, infrastructure, and policy support to ensure sustainable adoption.

DOI: http://doi.org/10.5281/zenodo.17091864

Digital Payment Systems: A Core Driver Of Financial Inclusion & Commerce

Authors: Mrs.T.Agila, Mr.M.Santhosh

DOI: http://doi.org/10.5281/zenodo.17091824