Artificial Intelligence (AI) is increasingly being integrated into educational practices worldwide. This study investigates the utilization, perceptions, and challenges of AI in education among educators in Kerala, a region known for its progressive educational

framework and high literacy rates. The aim was to assess the extent of AI adoption, identify facilitators and barriers, and explore educatorsandrsquo; perceptions of AIandrsquo;s effectiveness in the teaching-learning process. A descriptive cross-sectional design was employed, involving 61 educators from various disciplines. Data swere collected through a structured questionnaire distributed via Google Forms. The questionnaire covered socio-demographic details, awareness, utilization, perceived benefits, barriers, and perceptions of AI in education. Ethical approval was obtained, and informed consent was secured from all participants. The study revealed that most respondents were female (83.6%), aged 31andndash;40 years (53%), and employed in private institutions (96.7%). Awareness of AI in education was nearly universal (98.4%), with 45.9% rating their knowledge as andldquo;Very Good.andrdquo; Common applications

included audiovisual aids (80.3%) and grading assignments (83.6%). However, significant barriers to adoption were identified, such as a lack of knowledge and training (82%), high costs (45.9%), and insufficient institutional support (24.6%). Despite these challenges,

49.2% of educators rated AI tools as andldquo;Very Effectiveandrdquo; in enhancing teaching and learning,and 44.3% believed AI would become essential in education.

This study examines the transformative impact of e-banking services during the Covid-19 pandemic in Aligarh District, Uttar Pradesh. Through a structured questionnaire and statistical analysis, we explored usage patterns, challenges, and motivations among

residents. Key themes include the surge in e-banking adoption, demographic influences, advantages, operational challenges, and preferred e-banking services. Our findings offer valuable insights into the evolving landscape of digital banking and respondentandrsquo;s behaviour during unprecedented times. The research employed statistical measures, including simple percentage analysis, averages, and the Pearsonandrsquo;s Chi-square test for independence to address questions about the factors influencing e-banking usage. This nuanced understanding contributes to a comprehensive view of the changing dynamics of digital banking in Aligarh District.

Integrating technology with education enhances the teaching-learning process by increasing its effectiveness and making it engaging. With the advancement in information technology, several educational institutions have adopted online education allowing learners to access education anywhere and anytime. One such Technological innovation is Massive Open

Online Courses (MOOCs) that are flexible, affordable and make learning democratic. This research paper is an attempt to get background knowledge about SWAYAM MOOCs, its features, objectives, structure and components as well as their constituents i.e. SWAYAM Prabha free DTH educational channels. The SWAYAM is the flagship programme of Online Education of the Ministry of Education (MoE), Govt. of India. There are common features, goals and differences between SWAYAM and SWAYAM Prabha .The implementation of SWAYAM MOOCs is also aligning with the NEP-2020 goals. The present study focuses on a critical analysis of the policy and present practices of SWAYAM and SWAYAM Prabha. The findings revealed that the initiatives by the Government of India (GoI), SWAYAM and SWAYAM Prabha contribute towards online education. SWAYAM has 3 cardinal principles

and a 4-quadrant approach, focusing on accessibility and affordability of education with quality content delivered by expert faculty members of different national coordinating centers.