IJCRM : Volume 3 Issue 10
S.No.	Title & Author Name	Page	Downloads
1.	UPI (Unified Payment Interface) – A new technique of Digital Payment: An Explorative study Dr. Kratika Neema || Dr. Arpit Neema	01-10
2.	CLOUD'S RISK ASSESSMENT MODEL – A COMPARATIVE STUDY Bander M. Al-anazi || Ahmed E. Youssef	11-21
3.	COMPETENCE-BASED APPROACH WITHIN ORGANIZATIONAL CHANGES Olga Shvetsova	22-32
4.	Perceived Challenges to Effective Administration of Secondary School in Imo State Otegbulu Maryrose I. || Nnabuike E.K	33-38
5.	SEASONAL VARIATION IN HEAVY METAL DISTRIBUTION IN THE SEDIMENTS OF SELECTED DAMS IN NASARAWA STATE, NIGERIA B.L Gav || M.O Aremu || A.C Etonihu	39-48
6.	ECONOMIC DEVELOPMENT OF ENVIRONMENT AND ITS MANAGEMENT Dr. Santosh Koner	49-53