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34 articles for “financial institutions”
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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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Examining the role of banks in financing nuclear power programs for a green economy and clean energy transition
Abstract: Nuclear power programs have the potential to contribute to deep, multi-sector and economy-wide decarbonization as sources of reliable, low emissions intensity thermal and electrical energy. However, nuclear power projects are complex, capital-intensive ventures with significant financial risks associated with them. Therefore, financing has been a critical issue for these projects. To accelerate their deployment to meet clean energy transition targets of nations and institutions, financial institutions like banks can play …
Published in Journal of Nuclear Engineering & Technology · Vol. 15, Issue 1, 2025 · pp. 28–39 Read article
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Green Finance and India’s Climate Commitments: Aligning Financial Systems with Sustainable Development Goals
Abstract: India’s commitment to addressing climate change, as reflected in its Nationally Determined Contributions (NDCs), net-zero ambitions, and alignment with the United Nations Sustainable Development Goals (SDGs), has placed green finance at the center of the country’s sustainable development agenda. Green finance involves directing capital and investment flows toward projects and initiatives that are environmentally sustainable. It supports efforts to reduce climate-related risks, enhance resilience to environmental changes, and promote economic …
Published in International Journal of Sustainability · Vol. 3, Issue 1, 2026 · pp. 49–54 Read article
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A Trust-Enhanced Security Architecture for Authenticating Customer Records in Banking Institutions
Abstract: The growing digital disruption of banking and financial services has completely altered the face of customer onboarding, money transactions, and financial service deliveries. Even as digital technologies provide unparalleled levels of efficiency and accessibility for consumers of financial services, they have also presented new challenges that are equally daunting. Among the growing number of financial threats that digital technology has spawned is the risk of synthetic identity fraud. Unlike identity …
Published in Journal Of Network security · Vol. 14, Issue 1, 2026 · pp. 16–22 Read article
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A Study on Perception and Behavior of Consumers Towards Digital Financial Transactions
Abstract: The rapid evolution of digital technology, coupled with increased smartphone usage and proactive governmental policies, has revolutionized the landscape of financial transactions. This study examines consumer perceptions and behavioral patterns related to digital payment systems, with a specific focus on usage trends, preferences, and concerns. Utilizing primary data collected through a structured survey of 110 respondents in North Delhi, the research reveals that digital transactions are predominantly perceived as convenient, …
Published in E-Commerce for Future & Trends · Vol. 12, Issue 2, 2025 · pp. 60–69 Read article
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From Cattle to Capital: A Review on SHGs, Dairy Farming, and Gender Empowerment in Rural India
Abstract: Self-Help Groups (SHGs) have emerged as a platform for encouraging women to start their own ventures in rural India, particularly through dairy-based enterprises. This review explores the role of SHGs in enhancing financial support, skill development, market access, and social empowerment among rural women. By utilizing savings and providing microcredit, SHGs enable women to establish and expand dairy ventures, contributing to household income and organized milk production. The integration of …
Published in Research and Reviews : Journal of Dairy Science and Technology · Vol. 15, Issue 2, 2026 Read article
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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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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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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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GSM Based OTP Security Locker Using Arduino
Abstract: This work presents a microcontroller-driven secure locker system that leverages GSM-based communication for dynamic user authentication. Unlike conventional locking mechanisms that depend on static credentials or physical keys, the proposed system utilizes a time-sensitive one-time password (OTP) transmitted to a pre- authorized mobile number. The authentication workflow is managed using an Arduino-based embedded platform integrated with a SIM A7670C GSM module. The system coordinates OTP generation, transmission, and validation in …
Published in Journal of Microcontroller Engineering and Applications · Vol. 13, Issue 2, 2026 Read article
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Emotions and Artificial Intelligence in Finance: Exploring the Relationship
Abstract: The integration of Artificial Intelligence (AI) into financial systems has profoundly transformed the industry, providing unprecedented efficiency, accuracy, and speed in decision-making processes. These technological advancements have streamlined operations, reduced human errors, and enabled more informed decision-making based on vast datasets analyzed in real-time. However, the role of emotions in finance remains a critical factor that cannot be ignored. Human emotions, such as fear, greed, and optimism, frequently drive market …
Published in OmniScience: A Multi-disciplinary Journal · Vol. 15, Issue 1, 2025 · pp. 11–17 Read article
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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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Climate-Induced Drought, Food Insecurity, and Adaptation Governance: A Multiscale Review of Risks and Policy Responses in Africa and South Asia
Abstract: Drought is one of the most critical climate-induced hazards, severely affecting agricultural systems, water resources, and human well-being, particularly in Sub-Saharan Africa and South Asia. This review provides a comprehensive analysis of the multidimensional impacts of drought by examining its effects on food security, population displacement, and institutional adaptation across selected case studies from West Africa, South Africa, and coastal Bangladesh. The findings reveal that increasing climate variability and prolonged …
Published in International Journal of Environmental Planning and Development Architecture · Vol. 4, Issue 1, 2026 · pp. 1–8 Read article
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Electoral Engagement and Political Representation: An Analytical Study of Women’s Participation in India’s Democratic Process
Abstract: This study investigates the persistent disconnect in women’s political participation in India, where their consistently high voter turnout stands in stark contrast to their minimal presence in Parliament. Although constitutional provisions guarantee equality and women demonstrate strong engagement as voters, their representation within formal political structures remains disproportionately low. Using the 2024 Lok Sabha elections as a primary reference point, the research interrogates core questions surrounding this imbalance: Why does …
Published in OmniScience: A Multi-disciplinary Journal · Vol. 15, Issue 3, 2025 · pp. 1–23 Read article
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BVC Edupay – Smart College Fee Payment System
Abstract: Fee management has become a crucial component of modern educational institutions, with increasing reliance on digital platforms to handle financial transactions and administrative processes. However, students and staff often encounter challenges such as scattered fee information, manual verification procedures, delayed payment updates, and limited transparency across departments. To address these issues, BVC EduPay – Smart College Fee Payment System is developed as a centralized digital platform that consolidates academic fees, …
Published in Journal of Open Source Developments · Vol. 13, Issue 1, 2026 Read article
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Analysis of the coffee market structure, conduct, and performance in the Gimbo District of the Kaffa Zone in Southwest Ethiopia
Abstract: Coffee is a vital export commodity for Ethiopia, contributing significantly to the country's GDP and rural livelihoods. In the Kaffa Zone, particularly in Gimbo District, coffee production serves as the primary source of income for smallholder farmers. Despite its economic importance, the coffee market in the study area faces several constraints, including low production capacity and inadequate market infrastructure. This study aimed to identify key actors in the coffee market …
Published in Research & Reviews : Journal of Agricultural Science and Technology · Vol. 15, Issue 2, 2026 · pp. 63–81 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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State of the art of Resource Description and Access and Library Information Science in UAE and Gulf in Global Context
Abstract: The purpose of this study is to investigates the state of the art of Resource Description and Access (RDA) and its implementation in Library and Information Science (LIS) within the United Arab Emirates (UAE) and the Gulf region in a global context. The study discusses the principles, structure, and conceptual foundations of RDA, including its relationship with FRBR, FRAD, and the IFLA Library Reference Model. It further explores the reasons …
Published in Journal of Advancements in Library Sciences · Vol. 12, Issue 2, 2025 Read article
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Augmented Reality Based 3D Drawing from the 2D
Abstract: Students benefit from this approach since it offers an alternative viewpoint on content production and teaching and learning techniques. Managing global projects necessitates the use of techniques and resources to aid in content communication. The development of augmented reality (AR)/virtual reality (VR) content requires a significant amount of time if efficient design and visualization techniques are not employed. The use of highly detailed 3D games that may have required a …
Published in Journal of Multimedia Technology & Recent Advancements · Vol. 11, Issue 3, 2024 · pp. 10–17 Read article
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The Study of Preference on Skill-Based Training Among Household Women in Gudalur Town
Abstract: This study explores the need for skill-based training among women in households in Gudalur town, identifying preferred training types, choice-influencing factors, and participation barriers. Skill development is a critical component of women's empowerment, promoting financial autonomy and social mobility. Surveys were conducted with 50 women, who were chosen using a stratified random sampling method. The survey comprised demographics, most preferred training courses, perceived benefits, and participation barriers. Descriptive statistics was …
Published in International Journal of Community Health Nursing And Practices · Vol. 3, Issue 2, 2025 Read article