Journal of Science Engineering Technology and Management Science

Digital payment systems have become an important part of India's financial ecosystem. Among these, the Unified Payments Interface (UPI) has experienced remarkable growth due to its convenience, speed, and accessibility. The present study examines the adoption of digital payment systems among UPI users in Raipur district of Chhattisgarh. The study follows a descriptive research design and is based on both primary and secondary data. Primary data were collected from 100 UPI users through a structured questionnaire using convenience sampling. The collected data were analysed using frequency, percentage, mean, standard deviation, and a one-sample t-test. The findings revealed that convenience, ease of use, security, and trust were the major factors influencing digital payment adoption. The statistical analysis indicated that these factors had a significant influence on UPI adoption. The study concludes that improving digital infrastructure, transaction security, and consumer awareness can further encourage the use of digital payment systems.

Keywords : Digital Payments, UPI, Consumer Adoption, Digital Transactions, Raipur, Chhattisgarh.

Author : Dr Shraddha Singh

Title : Consumer Adoption of Digital Payment Systems: A Study of UPI Users in Raipur District of Chhattisgarh

Volume/Issue : 2026;03(08)

Page No : 1-6

As the demand for electric automobiles continues to rise, more advanced hybrid energy storage systems will be required to meet peak power demands while preserving battery life. Investigations on the effects of battery degradation provide helpful direction for improving energy management in hybrid systems using both batteries and ultracapacitors. An artificial neural network-based controller dynamically manages the power transfer between the battery and ultracapacitor based on signals related to age, state-of-charge, and load need. The architecture of ultracapacitors allows them to withstand high-frequency power fluctuations, which reduces pressure on the battery current and depth-ofdischarge variations. Capability fading may be accurately predicted using an ageing model that accounts for degradation and incorporates several Crate profiles obtained from driving cycles. This energy management system outperforms conventional ones in terms of efficiency, battery current ripple, and runtime under real-world EV driving conditions, according to the simulation results. Consequently, it is more suited for use in real-time electric vehicle applications.

Keywords : Power quality, electric vehicle management systems (EMS), driving cycles, power distribution, capacity fading, energy efficiency, artificial neural networks (ANN), hybrid energy storage systems (HESS), and electric cars (EVs).

Author : Dr. K. Srinivas1 , Gajjagouni Madhav Goud2

Title : ARTIFICIAL NEURAL NETWORK-BASED ENERGY MANAGEMENT FOR BATTERY–ULTRACAPACITOR HYBRID ENERGY STORAGE SYSTEM CONSIDERING BATTERY DEGRADATION IN ELECTRIC VEHICLES

Volume/Issue : 2026;03(08)

Page No : 7-19

Voltage fluctuations, harmonic distortions, and spikes are becoming more of an issue as renewable energy sources and electric car loads become more integrated into contemporary distribution networks. This research presents a networked hybrid microgrid that can control voltage and enhance power quality all at once. The UPQC in the suggested system makes use of a fractional-order sliding mode controller (FOSMC), as opposed to the proportional-integral (PI) controllers often employed in systems.. For the UPQC's shunt and series converters, the FOSMC is the standard PI controller; it precisely adjusts the voltage and current in reaction to changing loads and situations including renewable energy generation. Coordination of the UPQC with the battery energy storage system is an integral part of the integrated modelling and control approach for the hybrid ACDC microgrid. By improving the entire interconnected hybrid microgrid power quality and reliability, the simulation results show that the proposed FOSMC-based UPQC is more effective than the traditional PI-controlled UPQC at mitigating power quality problems.

Keywords : Power quality, Harmonic distortion, Fractional-order sliding mode controller, and Battery energy storage systems.

Author : Dr. S. Jagadish Kumar1 , K. Shiva Sai 2

Title : POWER QUALITY ENHANCEMENT OF AN INTER CONNECTED MESHED HYBRID MICRO GRID USING FRACTIONAL ORDER SLIDING MODE CONTROLLED UPQC

Volume/Issue : 2026;03(08)

Page No : 20-33