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Non-performing assets of the banks require attention to the recovery of their dues to examine the changes in GNPAs of banks.

There is a lot of buzz around ChatGPT, a language model software capable of responding to queries with human-like intelligence. However, AI poses the threat of the diminishing use of human cognitive skills. The absence of ample thinking before writing and the sheer utilization of AI tools for generating reports and documents may make one devoid of skill and imagination to create new things. Spoon-feeding by artificially intelligent systems is enfeebling metacognition and promotes a lackadaisical attitude in students in the education process. Analyzing, report writing, etc. is likely to get reshaped with the evolving AI chatbots based on disruptive technology that redefines the ontology and epistemology of teaching, learning, examination, and research. There is a thin line between someone requiring support and someone becoming parasitic to the support. The likelihood of loss of ingenuity, and diminishing cognitive skills need to be investigated thoroughly at every activity level.