Advanced data integration in banking, financial, and insurance software in the age of COVID-19.

This study contributes to our understanding of how the emergence of the COVID-19 pandemic changes the global Banking Financial Services and Insurance (BFSI) landscape. Before the COVID-19 pandemic, BFSIs corporate strategy was solely aligned to the quest for operational efficiency. However, during the ongoing COVID-19 pandemic, global BFSIs are forced to adopt digital transformation in their operations due to a rise in transaction volumes. The ongoing COVID-19 pandemic already triggers holistic innovations concerning the global BFSI's product, process, concept, trend, or idea. Thus, the BFSI cannot survive without efficient and innovative system software for global operations. The study plots the hype cycle to identify relevant technologies to deal with real-world business problems. The hype cycle indicates that the need for advanced data integration is growing and COVID-19 pandemic has already triggered it. The study argues that the incorporation of data integration might be challenging initially for BFSIs but eventually it may result in an efficient model to handle these types of pandemic or unexpected circumstances.

Molecular characterization of monocrotophos and chlorpyrifos tolerant bacterial strain for enhancing seed germination of vegetable crops.

The main aim of this study is to investigate the toxicity of organophosphate (OPs) insecticides monocrotophos (MCP) and chlorpyrifos (CLS) on plant growth promoting (PGP) properties and seed germination of brinjal, tomato and okra vegetables inoculated by Microbacterium hydrocarbonoxydans (BHUJP-P1), Stenotrophomonas rhizophila (BHUJP-P2), Bacillus licheniformis (BHUJP-P3) and Bacillus cereus (BHUJP-P4). Maximum increase in microbial growth (52.6% & 47.9%) with enhanced EPS production (447.67 mg/ml & 75.00 mg/ml) was showed by BHUJP-P4 and BHUJP-P3 at 10× dose of MCP and CLS over control, BHUJP-2 and BHUJP-P1 respectively. Simultaneously, both strains recorded minimum reduction in PGP activities and seed germination at 3× dose of both insecticides as compared to BHUJP-2 and BHUJP-P1, respectively. Strains BHUJP-P3 and BHUJP-P4 showed 83 and 81% of monocrotophos degradation at 50 mg/kg concentration; 81 and 80% at 150 mg/kg concentration within 5days respectively. Concurrently, these strains BHUJP-P3 and BHUJP-P4 were recorded 53 and 90% of chlorpyrifos degradation at 50 mg/kg concentration; 49% and 87% at 100 mg/kg concentration within 72 h, respectively. The OPs insecticide degrading gene opdA and opd was found in strain BHUJP-P3 and BHUJP-P4, respectively. The multifarious biological activities of strain BHUJP-P3 and BHUJP-P4 showed maximum tolerance against insecticide, and minimum reduction in P-solubilisation, IAA, siderophore and HCN production for plant growth promotion and biological control under insecticide stress. Thus, these novel isolates may be used as biodegradation of organophosphate insecticide and plant growth promoting bacterial (PGPB) inoculum for enhancing seed germination of vegetables under stress insecticide. These novel strains will be environment friendly, socially acceptable and economically viable.

Characterization and Screening of Thermophilic Bacillus Strains for Developing Plant Growth Promoting Consortium From Hot Spring of Leh and Ladakh Region of India.

In the present investigation, the main aim is to identify and characterize the potential drought tolerant plant growth promoting consortium for agricultural productivity. Three bacterial isolates were isolated from hot spring of Chumathang area of Leh district. Bacillus species (BHUJP-H1, BHUJP-H2, and BHUJP-H3) were done some biochemical tests including catalase, cellulase, amylase, indole-3-acetic acid, phosphate solubilisation, production of ammonia, siderophore, and hydrogen cyanide. Molecular characterization of isolates was done by 16S rDNA sequencing, e.g., Bacillus subtilis BHUJP-H1 (KU312403), Bacillus sp. BHUJP-H2 (KU312404) and B. licheniformis BHUJP-H3 (KU312405). The genetic diversity of the isolates was assessed by seven inter simple sequence repeat, all primer shows high polymorphism. The highest polymorphism efficiency and polymorphism information content showed by UBC-809 and UBC-836 which were 100% and 0.44 respectively, the lowest is by UBC-807 75% and 0.28 respectively. On an average 90.69% polymorphism efficiency and 0.40 polymorphism information contents obtained by used markers. The highest, 11.08 and the lowest, 4.50 effective multiplex ratios obtained for primer UBC-823 and UBC-807, on an average 7.99 effective multiplex ratio obtained. The highest, 4.89 and the lowest, 1.25 marker indexes obtained by UBC-836 and UBC-807 respectively and on an average 3.24 obtained. The UPGMA cluster analysis divided a population into two clusters I and II, in which BHUJP-H1 and BHUJP-H2 grouped under same while BHUJP-H3 grouped under another cluster. The treatment combination of Bacillus subtilis BHUJP-H1, B. subtilis BHUJP-H1+ B. licheniformis BHUJP-H3 and B. subtilis BHUJP-H1+ Bacillus sp. BHUJP-H2+ B. licheniformis BHUJP-H3 were recorded better combination for enhancing plant growth attributes of Vigna radiata as compared to control and others. The plant growth promoting consortium, e.g., Bacillus subtilis BHUJP-H1, Bacillus subtilis BHUJP-H1+ B. licheniformis BHUJP-H3 and B. subtilis BHUJP-H1+ Bacillus sp. BHUJP-H2+ B. licheniformis BHUJP-H3 can be further used as effective microbial inoculant for enhancing the production of mungbean in field conditions. Bacillus sp. BHUJP-H1 and Bacillus sp. BHUJP-H2 may use as drought tolerant plant growth promoting consortium for enhancing the sustainable agricultural productivity.

A study on association of virulence determinants of verotoxic Escherichia coli isolated from cattle calves.

AIM: The present study was conducted to find the association among virulence determinants of verotoxic Escherichia coli (VTEC) isolated from cattle calf feces. MATERIALS AND METHODS: A total of 216 cattle calf fecal samples were collected aseptically and processed under required conditions for the isolation of E. coli. The isolates were further subjected to multiplex polymerase chain reaction (mPCR) for the detection of virulent genes. All the VTEC isolates were serotyped at the Central Research Institute, Kasauli, Himachal Pradesh. The VTEC isolates were observed for the enterohemolysin production on washed sheep blood agar (wSBA). RESULTS: A total of 177 presumptive E. coli were isolated from 216 calf fecal samples revealing an overall prevalence of E. coli to be 81.94%. A total of 32 (14.81%) isolates were detected as VTEC through mPCR. The prevalence of verotoxin genes vt1, vt2, and combination of vt1+vt2 in the VTEC isolates was found to be 12 (37.5%), 14 (43.75%), and 6 (18.75%), respectively. Other virulent genes eaeA and hlyA were found in 6 and 11 VTEC strains with prevalence values of 18.75% and 34.37%, respectively. A total of 13 different O serogroups were revealed in serotyping of 32 VTEC isolates. Out of 32 VTEC strains, only 26 (81.25%) were enterohemolytic on wSBA as they produced the characteristic small, turbid zone of hemolysis around the streaking line. Although enterohemolysin production has been attributed to the presence of hlyA gene, only 11 of 26 enterohemolysin producing VTEC were found to be harboring the hlyA gene (11/26) 42.03%. CONCLUSION: The present study concludes that there might be an association between the presence of verotoxin genes and enterohemolysin production in VTEC group of E. coli.