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8 articles for “Credit risk”
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Evaluation of Credit Risk of Bank Customers with a Hybrid Approach of Data Mining Techniques
Abstract: Credit risk poses the most significant threat to financial and monetary institutions. Banks strive to offer loans that generate high returns while minimizing risk. Achieving this requires the ability to accurately identify and classify credit customers, both individuals and legal entities, according to their likelihood of fully meeting their obligations. This classification is done using relevant financial and non-financial criteria. The primary goal of this study is to assess the …
Published in Journal of Artificial Intelligence Research & Advances · Vol. 11, Issue 3, 2024 · pp. 63–81 Read article
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Financial Knowledge and Agripreneur Success: A Review of the Literature
Abstract: The agricultural sector has experienced a profound transformation in recent years, evolving from a historically overlooked industry dominated by small family businesses into a dynamic and high-tech field. This transformation can be attributed to a multitude of factors, including economic liberalization, reduced market protection, increased access to credit facilities, governmental schemes, subsidies, and shifting societal dynamics. In this comprehensive review, we delve into the intricate relationship between financial knowledge and …
Published in Research & Reviews : Journal of Agricultural Science and Technology · Vol. 13, Issue 1, 2024 · pp. 11–22 Read article
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Enhancing Credit Card Fraud Detection Using Device Fingerprinting and Behavioral Biometrics
Abstract: Credit card fraud is a growing global concern, with financial losses projected to reach $ 43.47 billion by 2028. Credit card fraud poses a major challenge in the financial industry, resulting in substantial financial losses and security risks. This research introduces a Machine Learning-based Credit Card Fraud Detection System designed to improve the accuracy of fraud identification. Due to the imbalanced nature of fraud datasets, SMOTE (Synthetic Minority Over-sampling Technique) …
Published in Journal Of Network security · Vol. 13, Issue 2, 2025 · pp. 40–50 Read article
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An Analytical study of Government Scheme for Farmers in Gujarat: Impact, Implementation Challenges, and Policy Implications
Abstract: Gujarat’s economy is mostly dependent on agriculture, which increases food security, rural employment, and state revenue. Despite the state’s notable progress in irrigation infrastructure and agricultural commercialization, Gujarat farmers continue to face challenges, such as market volatility, water scarcity, unpredictable weather, and rising input costs. The governments of Gujarat and India have implemented several initiatives aimed at addressing these problems, including crop insurance, irrigation expansion, farm mechanization, income support, digital …
Published in International Journal of Rural and Regional Development · Vol. 4, Issue 1, 2026 · pp. 38–44 Read article
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Exploring Artificial Intelligence in the Finance Sector
Abstract: Artificial intelligence (AI), machine learning (ML), and progressive algorithms illustrate a substantial technological leap with wide applications across sectors like automobiles, healthcare, gaming, finance, entertainment, and more. The foremost objective of AI is to produce intelligent, independent systems capable of self-sustaining decision-making. This study delivers a concise summary of AI, concentrating on its transformative influence on finance, especially within banking, asset firms, derivatives markets, and insurance enterprises. It summarizes the …
Published in E-Commerce for Future & Trends · Vol. 11, Issue 3, 2024 · pp. 16–23 Read article
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Detection of Phishing Website URLs and Email/SMS Using Random Forest and Multinomial Naive Bayes
Abstract: Currently, phishing attacks via SMS/email and URL have become significant threat to cybersecurity, posing risks to both individuals and organizations alike. Phishing attacks typically involve the creation of fraudulent websites or the dissemination of deceptive emails and SMS messages to trick users into disclosing sensitive information such as passwords, credit card numbers or personal details. To respond to these attacks, we develop a robust system for the detection of phishing …
Published in Journal of Computer Technology & Applications · Vol. 16, Issue 1, 2025 · pp. 22–30 Read article
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Land Tenure, Farming Constraints, and Rural Livelihoods in India: An Integrated Assessment
Abstract: Land remains the central asset shaping agricultural productivity, socio-economic security, and rural development in India. However, the complex interaction between land tenure systems, farming challenges, and livelihood patterns continues to hinder sustainable agricultural growth. This review provides an integrated assessment of the key issues influencing land use dynamics, including ownership inequalities, insecure tenancy arrangements, land fragmentation, and the slow implementation of land reforms. These structural limitations restrict farmers’ access to …
Published in International Journal of Land · Vol. 2, Issue 2, 2025 · pp. 11–16 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