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42 articles for “financial innovation”
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Blockchain Technology and Inclusive Financial Systems in the Global South
Abstract: This paper explores how blockchain technology can promote financial inclusivity by providing decentralized, transparent, and secure financial services, particularly in the Global South, where conventional banking systems are frequently insufficient. Through a blend of literature review and empirical analysis, we assess blockchain's role in expanding financial access, using case studies from several developing nations. Our results reveal a promising potential for blockchain to improve financial inclusion, although obstacles such as …
Published in International Journal of Mobile Computing Technology · Vol. 2, Issue 2, 2024 · pp. 17–23 Read article
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Data-Driven Predictive Analytics and Decision- Making in FinTech Using MongoDB and High-Throughput Data Pipelines
Abstract: This paper examines the implementation of MongoDB and high-throughput data pipelines within the financial technology (FinTech) sector to drive data-informed predictive analytics and decision-making. The study focuses on the architectural components, scalability, and challenges of integrating NoSQL databases into real-time data ingestion and analytics pipelines. The transformative potential of these technologies in modern financial systems is highlighted through practical use cases such as fraud detection, credit scoring, and personalized financial …
Published in International Journal of Algorithms Design and Analysis Review · Vol. 3, Issue 1, 2025 · pp. 1–15 Read article
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The Role of Smart Grids in Enhancing Energy Efficiency and Sustainability
Abstract: The rapid adoption of smart grid technologies is reshaping the energy sector, prompting significant changes in the traditional utility business model. This survey paper provides a comprehensive analysis of the impact of smart grids on utility revenue streams, focusing on the transition from conventional electricity sales to new, service-oriented business models. By examining key innovations such as energy-as-a-service, virtual power plants, and peer-to-peer energy trading, this study highlights how utilities …
Published in International Journal of Advanced Control and System Engineering · Vol. 2, Issue 2, 2024 · pp. 10–18 Read article
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Horizon Scanning and Early Assessment of Health Technologies for the Treatment of Orphan Diseases
Abstract: The theoretical foundations and regulatory framework of the processes of the formation of an effective health technology assessment (HTA) system at the early stages of the life cycle of medicines are analyzed in the article. Particular attention is paid to horizon scanning (HS) and early assessment of expensive innovative drugs utilized for treating rare diseases. In order to inform policymakers, purchasers, and providers (to prioritize MT research, financial, and operational …
Published in International Journal of Brain Sciences · Vol. 1, Issue 1, 2024 · pp. 32–39 Read article
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Computer and Commerce – Relationship for The Future
Abstract: The relationship between computers and commerce has evolved dramatically over the past few decades, transforming the way businesses operate and how consumers interact with markets. This synergy continues to grow and holds significant potential for the future. Computers, through advancements in artificial intelligence (AI), machine learning, cloud computing, and big data analytics, have revolutionized commerce by enhancing efficiency, improving decision-making, and fostering innovation. In the future, we can expect even …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 2, 2025 · pp. 42–59 Read article
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Fraud Detection in Government Procurement Using Machine Learning
Abstract: Fraud represents a significant challenge in the realm of procurement, with estimates indicating that between 12 and 30% of global procurement budgets are lost to fraudulent activities (OECD, 2023). The pervasive nature of procurement fraud, which may encompass a range of deceptive practices such as bid rigging, invoice fraud, and procurement kickbacks, not only undermines the integrity of financial operations but also results in substantial losses for organizations. These losses …
Published in Journal of Open Source Developments · Vol. 12, Issue 2, 2025 · pp. 19–34 Read article
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Digital Payments as a Driver of Sustainable Consumption: A Consumer-Based Study of Perceived Challenges and Opportunities in FinTech Ecosystems
Abstract: The Digital Payment Systems evolved remarkably fast, and so, have transformed the way in which the consumer makes purchases for products and services as well as the way in which they function economically, i.e., how they consume things. Beyond convenience and efficiency, digital payments are increasingly viewed as a potential driver of sustainable consumption by reducing cash dependency, improving transaction transparency, and supporting responsible spending practices. This study examines digital …
Published in International Journal of Optical Innovations & Research · Vol. 4, Issue 1, 2026 · pp. 1–12 Read article
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Revolutionizing Financial Technology: AI and FinTech
Abstract: The ground-breaking notion of incorporating AI into financial technology by entering the market has been steadily advancing toward dominance. It has become a lever steering innovation, increasing the pace of productivity and minimizing the likelihood of risk. From digital banking to insurance and payments to compliance with regulations, AI is playing the role of a veteran guide to reinvent the old FinTech models and readdress them as a modernistic and …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 3, 2025 · pp. 07–13 Read article
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The Evolution of Payments: Traditional Bill Methods Compared to Mobile Innovations
Abstract: "Mobile Payment Experiences in the Future" explores the transformative impact of emerging technologies: Artificial Intelligence (AI), 5G connectivity, and biometrics, on the evolution of mobile payment systems, moving beyond today's simple "tap and pay" solutions. As mobile payments become an essential component of global commerce, these innovations are set to redefine the payment landscape by enhancing transaction speed, security, and personalization. AI will enable real-time fraud detection, adaptive user verification, …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 1, 2025 · pp. 17–27 Read article
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The Contribution of Mathematics to Make Developed India
Abstract: This research paper explores the significant contributions of mathematics to the development of India, tracing its influence from ancient innovations to modern applications across diverse sectors. India has a long-standing mathematical tradition, with foundational achievements such as the invention of zero, the decimal system, and advancements in algebra, trigonometry, and geometry, which profoundly shaped global knowledge systems. These early contributions established India as a pioneering hub of mathematical thought and …
Published in Research & Reviews : Journal of Statistics · Vol. 14, Issue 3, 2025 · pp. 08–15 Read article
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IoT in Water Resource Management: Trends and Innovations in Water Level Monitoring Systems
Abstract: One of the major problems faced by most of the countries in the world is the issue of water scarcity, and wastage during transmission has been identified as a major culprit; this is one of the motivations for this research, to deploy computing technician creating a barrier to wastage in order to not only provide more financial gains and help the environment as well as the water cycle which in …
Published in Journal of Microcontroller Engineering and Applications · Vol. 12, Issue 1, 2025 · pp. 39–45 Read article
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Innovative Platform for College Event Planning and Secure Transactions
Abstract: The unified platform for college events is designed as an all-in-one solution to simplify the process of organizing college events while ensuring seamless payment transactions. By combining event management and payment processing into a single system, this innovative platform provides colleges and universities with a convenient way to plan, promote, and execute events while securely handling financial operations. In the lively and dynamic environment of college life, events such as …
Published in Journal of Electronic Design Technology · Vol. 16, Issue 1, 2025 · pp. 18–23 Read article
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Innovations in Sericulture: A Review of IoT and AI-Based Monitoring Systems
Abstract: Sericulture is a science which deals with the rearing of silkworms and production of silk. In India most of the rural livelihood is sericulture and is the base for financial, social, political, and intellectual advancements and upliftment since. Silk is called the queen of textiles due to its glittering luster, softness, elegance, durability, and tensile properties. There exist several commercial species of silkworms, yet the commonly used one is bombyx …
Published in International Journal of Electrical and Communication Engineering Technology · Vol. 3, Issue 1, 2025 · pp. 14–18 Read article
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Biometric Revolution in Automotive Security: Advancing Vehicle Protection Through Bio-Authentication Systems
Abstract: Concerns about security are rising as a result of the quick development of automobile technology and the rise in car theft and illegal entry. Both contemporary smart key solutions and older key-based systems have flaws that call for stronger security measures. By utilizing distinct physiological and behavioral characteristics, biometric authentication offers a novel way to improve vehicle security. Vehicles can provide tailored and extremely secure access control systems by combining …
Published in Trends in Machine design · Vol. 12, Issue 1, 2025 · pp. 12–19 Read article
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Evaluating Delay Impacts: From Root Cause Analysis to Dispute Resolution
Abstract: Construction projects inherently involve complex coordination among multiple stakeholders, interdependent tasks, and unpredictable external challenges, which frequently cause schedule overruns and disputes. Traditional contractual mechanisms—such as extensions of time (EoT), liquidated damages, and force majeure clauses—serve to define responsibilities, allocate risk, and establish formal dispute pathways when delays arise. For example, EoT provisions protect contractors from penalties when delays are beyond their control, provided proper notice and evidence are submitted …
Published in Journal of Structural Engineering and Management · Vol. 12, Issue 3, 2025 · pp. 11–25 Read article
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The War's Economic Effects in the Twenty-First Century, Both Locally and Internationally
Abstract: The essay looks at how wars in the twenty-first century have affected the economy both theoretically and practically. The idea of the "military economy" is emphasized. Analysis is done on the dynamics of military spending. The causes and forms of conflicts that have taken place in the past and are happening now are explained. Researching the economic effects of Russia's war in Ukraine is emphasized. The pre-war evaluation of nations' …
Published in International Journal of Trends in Humanities · Vol. 2, Issue 2, 2025 · pp. 14–21 Read article
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The Effectiveness of Personal Carbon Trading for Sustainable Urban Development in Developing Nations: An Overview
Abstract: In recent decades, humankind has evolved much more rapidly than the ages. This evolution resulted in tremendous technological advancement and massive planetary degeneration. Enormous greenhouse gas emissions have resulted from the quick increase in energy and fossil fuel consumption patterns brought on by technological breakthroughs. Eventually, the scenario contributed to rising per capita carbon emissions manifolds, especially in highly populated cities. Reduced per capita carbon footprints are the goal of …
Published in International Journal of Environmental Planning and Development Architecture · Vol. 3, Issue 1, 2025 · pp. 33–46 Read article
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Smart Horizons: Innovating Sustainability for Tomorrow’s World
Abstract: The idea of maintainable improvement has acquired a ton of consideration as of late and a few savvy developments and drives are taken which can upgrade its execution and can assist with facilitating our work and show progress to it as this large number of drives can work on our ecological circumstances. The critical need to address environmental change has ignited a worldwide push toward accomplishing net zero ozone depleting …
Published in Journal of Energy, Environment & Carbon Credits · Vol. 15, Issue 3, 2025 · pp. 48–53 Read article
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Healthcare IT Innovations: Blockchain Technology for Healthcare Data Security and Privacy
Abstract: The healthcare sector has undergone a significant digital transformation, leading to the generation and sharing of vast quantities of sensitive medical data. While this digitization has improved patient care and outcomes, it has also introduced critical challenges related to data security and privacy. The increasing rate of data breaches in healthcare puts patient confidentiality at risk, mainly leading to identity theft, financial fraud, and loss of public trust in healthcare …
Published in International Journal of Information Security Engineering · Vol. 3, Issue 2, 2025 · pp. 01–12 Read article
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Cloud-driven Fraud Detection: Evaluating Decision Tree and Random Forest Classifiers for Credit Card Transaction Security
Abstract: With the alarming rise in global financial fraud, necessitating substantial annual losses, modern techniques for fraud detection are continuously evolving across various business domains. Fraud detection involves constant monitoring of user activities to estimate, perceive, or prevent undesirable behaviour. Cloud Computing emerges as a promising solution, accelerating application deployment, fostering creativity and innovation, reducing costs, and enhancing overall business acumen. This study introduces a cloud-driven approach to fraud detection, specifically …
Published in Recent Trends in Parallel Computing · Vol. 11, Issue 1, 2024 · pp. 13–27 Read article