The Himalaya has a rich ancient tradition for tapping hydro-energy from the hill streams and rivers through the device of gharats (watermills). The present contribution encompasses the study on the energy consumption pattern of hill communities living in buffer zone of the Nanda Devi Biosphere...

The financial system is the heart of an economy and payment systems are the nerves. As we shift towards a cashless economy, it is essential to understand the perception of customers towards digital transactions to design effective and viable E-Payment Systems (EPSs). Drawing on ten years of...