Volume 14 | Issue 3 |

 Abstract

The main aim of a Text to Speech (TTS/T2S) synthesis is to convert ordinary text into an acoustic signal that is indistinguishable from human speech. A Text to Speech synthesizer is an application that converts text into spoken word, by analysing and processing the text using natural language processing and then using digital signal processing technology to convert this processed text into synthesized speech representation of the text. Many current text to speech systems are based on the concatenation of acoustic units of recorded speech. Current concatenative speech synthesizers are capable of producing highly intelligible and natural speech, whose quality closely matches to the voice quality of the speaker who recorded the audio segments from which the concatenation units are drawn. Concatenative synthesis has the advantages of being simple to implement and requiring a relatively small database of speech. This is the easiest method to produce synthetic speech. It concatenates prerecorded acoustic elements and forms a continuous speech element. Here, we developed a real time text to speech synthesizer in the form of a simple application that converts inputted text into synthesized speech and reads out to the user which can then be saved as a wave (.wav/) file and/or text (.txt) file. The development of a text to speech synthesizer will be of great help to people with visual impairment and make making through large volume of text easier. Here a Vocally handicapped people can type the text from keypad and Using MATLAB R2015a, we can get voice output of input words, and output voice is heard through speaker. The proposed methodology may be use to provide assistance to people who lack the power of speech or non native speakers, to provide an artificial voice for a speech impairment person and many more application in multimedia ,telecommunication sectors. This thesis presents an algorithm, design and implementation of a text to speech synthesis for synthesizing unlimited vocabulary speech in real time for English language and and all other languages scripted in Roman using STM Discovery board (STM32F407VG) & MATLAB to overcome the barrier of different languages. The recording of voice is done in C using STM Discovery kit and A database of acoustic library is constructed, whereas implementation of text to speech synthesis is done using MATLAB R2015a.

Licence: creative commons attribution 4.0

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Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Text to Speech, TTS, T2S

  License

Creative Commons Attribution 4.0 and The Open Definition

 Abstract

The global financial industry is witnessing a paradigm shift with the emergence of neo-banks--digital-only financial institutions that operate without physical branches. These banks leverage cutting-edge technologies like AI, big data, and cloud computing to offer personalized, low-cost services with superior user experiences. This research provides a descriptive analysis of the neo-banking model, investigating its unique characteristics compared to conventional banking and evaluating its impact on market dynamics and financial inclusion. While neo-banks drive significant innovation and accessibility, particularly for underserved populations, they face critical challenges in long-term profitability, cybersecurity, and regulatory alignment. The findings suggest a future characterized by convergence, where "hybrid" models blending traditional trust with digital agility will define the financial landscape.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Neo-banking, Digital Banking, Financial Inclusion, Fintech Innovation, Banking Regulation, Cybersecurity, API-driven Architecture, Hybrid Banking Models

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Creative Commons Attribution 4.0 and The Open Definition

 Abstract

In the contemporary era, financial literacy has become an essential life skill. It influences an individual's capacity to make sound financial choices, handle finances efficiently, and establish plans for future financial stability. In a globalized economy where financial products and digital payment systems are rapidly evolving, understanding fundamental financial concepts is indispensable. Among youth, particularly college students, financial literacy forms the foundation for developing responsible financial behaviour and avoiding financial distress later in life. This study, titled "Assessing Financial Literacy among College Students: A Study on Basic Understanding of Financial Concepts," aims to evaluate the level of financial awareness among students in Kochi. It focuses on assessing their understanding of essential topics such as budgeting, interest, inflation, savings, credit management, taxation, and digital payments. The research also seeks to identify gaps in their knowledge and suggest educational strategies to enhance financial literacy among college students across different disciplines. Given the increasing exposure of young adults to digital finance platforms, online banking, and credit-based consumption, this study assumes greater importance. It intends to provide insights into how well-equipped students are to manage financial responsibilities and how educational institutions can incorporate structured financial education programs to prepare them for real-world financial decision-making.

Licence: creative commons attribution 4.0

  License

Creative Commons Attribution 4.0 and The Open Definition

 Keywords

Financial Literacy, financial awareness, credit management, digital financial literacy, financial behaviour, financial education

  License

Creative Commons Attribution 4.0 and The Open Definition