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15 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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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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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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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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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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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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New-Age E-voucher Utility: Redefining Peer-to-Peer Transactions in the Digital Economy
Abstract: This system introduces an innovative new-age e-voucher utility designed to facilitate peer-to-peer (P2P) intake through a person-pleasant cell platform. This revolutionary answer empowers people to create and list e-vouchers for numerous services, experiences, or bodily goods, circumventing conventional channels and fostering an extra direct financial machine. Operating on a decentralized architecture, the utility guarantees stable transactions through fee gateways and contains a recognition machine to set up acceptance as true …
Published in International Journal of Computer Science Languages · Vol. 2, Issue 2, 2024 · pp. 36–46 Read article
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The Dark Side of Technology: Addressing the Rise of Cybercrime and Data Breaches
Abstract: In the digital age, technological advancements have brought about remarkable improvements in communication, business, and daily life. However, these innovations have also given rise to a darker side of the tech world: an increase in cybercrime and data breaches. This article examines the growing threats posed by malicious actors, including hackers, cybercriminal syndicates, and state-sponsored entities, who exploit vulnerabilities in digital systems. It explores the wide-reaching impacts of cybercrime, from …
Published in International Journal of Information Security Engineering · Vol. 4, Issue 1, 2026 · pp. 06–15 Read article
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Open Educational Resources and Open Access Publishing in Higher Education: Policies, Challenges, and Collaborative Models
Abstract: Open Educational Resources (OER) and Open Access (OA) publishing are transforming higher education by promoting equitable access to knowledge, reducing costs, and fostering collaborative innovation. While OER focus on openly licensed teaching and learning materials, OA ensures unrestricted online access to scholarly research. Together, they form an integrated open knowledge ecosystem aligned with global policy frameworks such as the UNESCO OER Recommendation (2019) and the Budapest Open Access Initiative. This …
Published in International Journal of Trends in Humanities · Vol. 3, Issue 1, 2026 · pp. 7–12 Read article
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Innovative Solar Energy Applications in Agriculture and Water Management
Abstract: Considering solar energy technologies have the potential to address issues with energy sustainability and water resources, their integration in agricultural and water management has received a lot of attention. This paper offers a thorough analysis of creative uses of solar energy in different fields, emphasizing developments in technology, advantages, difficulties, and potential applications. sun photovoltaics (PV), concentrated sun power (CSP), solar desalination technologies, and solar water pumping systems are all …
Published in International Journal of Environmental Noise and Pollution Control · Vol. 2, Issue 1, 2024 · pp. 8–13 Read article
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Performance Forecasting in Solo Sports: Leveraging Psychometrics, Economic Analysis, and Cultural Insights for Predictive Excellence
Abstract: The science of performance forecasting in solo sports has transcended traditional metrics, embracing a multidisciplinary approach. This paper explores the integration of psychometrics, economic analysis, and cultural insights to predict athletic success. By leveraging psychological profiling, economic factors, and cultural dynamics, this study aims to establish a comprehensive model for forecasting athlete performance with heightened accuracy. In the realm of solo sports, where individual prowess dictates success, traditional performance forecasting …
Published in Recent Trends in Sports · Vol. 1, Issue 1, 2024 · pp. 35–44 Read article