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Medical applications are fast growing in popularity, both for professional use and for patient-centered apps. The current Health record and IoT data sharing systems however have a fair amount of problems associated with privacy and security. The secure and privacy aware E-Health record to propose a mechanism using blockchain and IPFS (InterPlanetary File System) which offers a solution to all these problems. It also includes limitations and safeguards on what can be done and cannot be done with your personal information in some cases. The IPFS data will be dispersed among the nodes. Use of IPFS (Interplanetary File System) to store health records, which has the benefit of being distributed which in turn makes record tamper-free. In addition, the proposed model keeps track of disease statistics without invading any patient's privacy. This is conceivable not only for web pages, but for any type of file that a computer might save, whether it's a document, an email, or even a database record, thanks to IPFS.

Indian economy has seen various auxiliary and key changes in financial markets. While Indian economy is on development direction, there is an extensive spread realization among all in the financial range that for such development to be practical, a corresponding deepening of financial sector must precede. And, such developing is conceivable, just when people and families are financially literate. Financial literacy is low even in advanced economies with well-developed financial markets. Financial resilience is unquestionably a significant point for analysts, investors, consultants and personal financial planners. This research investigat6es the practice of financial planning among professionals. Financial Risk tolerance is a subjective and complex phenomenon and may diverge from individual to individual. This study aims to analyze the relationship among the constructs, study the role of Financial behavior and Financial literacy as a mediator or moderator between Propensity to planning and financial well-being and finally assesses Financial Literacy score across various demographic factors. Structural equation modeling technique was used to test the variables and the hypotheses. The outcome of the study is that respondents Propensity to plan & Risk taken seems to be statistically significant. Propensity to planning male respondents are dominating. With Regard to Risk taking ability female employees are more dominating. Financial literacy, Risk taken, Financial Behavior and Financial wellbeing range all items have strong positive relationship. it shows that all are interrelated. when exogenous variables such as propensity to planning antecedents is created impact on all factors like financial behavior and Financial wellbeing. When financial behavior enacted as mediator between propensity to planning and Financial wellbeing, it shows the mediator influences on these factors. Therefore, we can infer that there is a strong role of financial behavior on all items.Keywords: Financial Literacy, Risk, Financial Planning, Mediating and Moderating Variable.JEL Classification: G32DOI: https://doi.org/10.32479/ijefi.10466