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42 articles for “financial services”
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A Comprehensive Analysis of Classification Methods for Churn Prediction in Financial Services
Abstract: Persistent issues that affect long-term revenue in the banking sector include excessive client attrition. Customary churn models depend on measures related to customer satisfaction, which often result in low predictive accuracy due to their subjective nature. This study proposes an effective early warning model to address customer churn in financial services. Data is preprocessed through cleaning, one-hot encoding, Z-score normalization, and Min-max scaling. To handle class imbalance, the SMOTE algorithm …
Published in Journal of Advanced Database Management & Systems · Vol. 12, Issue 2, 2025 · pp. 47–61 Read article
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An Assessment of Recent Initiatives for Financial Inclusion with Reference to Social Security Motto Jan Dhan to Jan Suraksha in India
Abstract: This research paper aims at assessing the recent initiatives by the Government of India with reference to the financial inclusion of common people in India. Financial freedom is one of the agents of economic growth of a country. Looking at the enormous amount of opportunities towards economic development in India, financial inclusion of people becomes necessary. Financial inclusion has been a matter of wide discussion amongst the policymakers and the …
Published in International Journal of Rural and Regional Development · Vol. 2, Issue 1, 2024 · pp. 01–05 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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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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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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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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Artificial Machine Intelligence Language for Banking Chatbot
Abstract: The developed system introduces a banking chatbot utilizing Artificial Intelligence Markup Language (AIML) to enhance customer interactions within the banking sector. With the increasing demand for efficient customer service and the adoption of automated systems, chatbots have emerged as a pivotal solution for banks to streamline operations and improve user experience. The proposed banking chatbot leverages state-of-the-art natural language processing (NLP) algorithms powered by AIML to interpret user queries, provide …
Published in Journal of Communication Engineering & Systems · Vol. 14, Issue 3, 2024 · pp. 8–13 Read article
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Bank Locker Security System Using Machine Learning
Abstract: The Bank Locker Security System integrates cutting-edge technology solutions to strengthen the security of bank locker facilities. This system uses biometric identification techniques, such as facial recognition and fingerprint scanning, to confirm users' identities before granting them access to the lockers. Furthermore, access control techniques based on RFID technology are employed to augment security protocols. The locker area is equipped with real-time monitoring and alerting tools that enable fast detection …
Published in International Journal of VLSI Circuit Design & Technology · Vol. 2, Issue 1, 2024 · pp. 16–20 Read article
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AI-Driven Promotion Platforms: Increasing Customer Engagement in Banking
Abstract: Artificial Intelligence has been in talk since data was considered as an asset. Using this data, prolific information has been extracted to gather detailed information and create datasets. Artificial intelligence is shaping the narrative of the world in the 21st century. It has become a driving force behind innovation, influencing various industries and redefining traditional practices. Artificial intelligence has revolutionized customer engagement strategies across industries, particularly Banking. This study explores …
Published in Journal of Artificial Intelligence Research & Advances · Vol. 12, Issue 1, 2025 · pp. 87–92 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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Assessment of Factors Affecting Telebirr (Mobile Money) Project Implementation in the Case of Ethio Telecom Sector
Abstract: Background: Mobile money services facilitate financial transactions through mobile devices, reducing dependence on physical cash and promoting financial inclusion. The Telebirr Mobile Money project by Ethio Telecom is a key initiative in this domain. Objective: This study aims to examine the factors influencing the successful implementation of the Telebirr Mobile Money project within Ethio Telecom. Methods: A census survey was conducted among 75 project team employees at the Lebu and …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 2, 2025 · pp. 13–19 Read article
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Revolutionizing Public Service: The Impact of E-Governance in Bihar
Abstract: The adoption of e-governance initiatives has been a key strategy for the government of Bihar, India to improve public service delivery and increase transparency and efficiency in governance. This paper examines the impact of e-governance programs implemented in Bihar over the past decade and what role can a public library play in its operation. Through a review of government reports, academic literature, and interviews with key stakeholders, the study analyzes …
Published in Journal of Advancements in Library Sciences · Vol. 11, Issue 2, 2024 · pp. 30–33 Read article
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Revitalization of Regional Water Schemes in Nigeria: Current Issues and Policy Recommendations
Abstract: It is a fundamental human right to have access to clean, reliable water, but in Nigeria, inadequate regional water schemes and their decline have created a serious water crisis. This paper highlights the critical issues facing regional water schemes in Nigeria and proposes a path forward for revitalization. The issues are multifaceted, encompassing aging infrastructure, insufficient maintenance, mismanagement, population growth, and environmental challenges. These issues have contributed to a decline …
Published in Journal of Water Resource Engineering and Management · Vol. 11, Issue 3, 2024 · pp. 8–19 Read article
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A Study of Trends in Healthcare Spending in India
Abstract: The total health services expenditure in India over a year has been pegged at 3.6% of GDP while the average person has to spend as much as 9,373 health expenses during the period, resulting in high costs on health services. About 3.2% of Indians fall below the poverty line by selling their wealth. Statistical data has been obtained and studied here from the reports of WHO, NHA and World Bank. …
Published in Research and Reviews: A Journal of Health Professions · Vol. 14, Issue 1, 2024 · pp. 24–28 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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Adoption Barriers to Advanced Reproductive Technologies in the Subsistence Dairy Farming Systems: Key Constraints and the Way Forward
Abstract: The adoption of advanced reproductive technologies (ARTs) in subsistence dairy farming remains limited despite their potential to enhance genetic improvement, fertility rates, and overall productivity. This study explores the key constraints hindering the integration of ARTs, including artificial insemination, embryo transfer, and ovulation synchronization, within small-scale dairy production systems. Financial constraints, lack of awareness, inadequate veterinary support, and socio-cultural resistance are identified as primary barriers. Limited access to affordable credit, …
Published in International Journal of Animal Biotechnology and Applications · Vol. 12, Issue 1, 2026 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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Enhancing Cyber Security in the Banking Sector Using Biometrics
Abstract: The fast-paced digital evolution within the banking industry has led to a substantial rise in the number of financial transactions conducted through online and mobile platforms. While this transformation has improved customer convenience and service accessibility, it has also exposed banking systems to a wide range of cyber threats, such as identity theft, phishing attacks, credential compromise, and financial fraud. Conventional authentication mechanisms, including passwords and personal identification numbers (PINs), …
Published in International Journal of Wireless Security and Networks · Vol. 4, Issue 1, 2026 · pp. 15–20 Read article
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Real-time Emotion-aware AI Counseling System with Memory Retention Polymer Composites
Abstract: The availability of mental health services is still a major barrier, with many individuals constrained by financial limitations, social stigma, and a shortage of accessible counselors. This work introduces an emotion-aware AI counselor designed to provide empathetic and personalized emotional support via voice-based interfaces. The system leverages Natural Language Processing (NLP) and sentiment analysis to detect emotional cues from speech and generate contextually appropriate, comforting responses. A key innovation is …
Published in Journal of Polymer & Composites · Vol. 14, Issue 1, 2026 · pp. 1395–1407 Read article
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Exploring Gender Differences in Mental Health: Attitudes towards Help-Seeking and Service Utilization
Abstract: Mental health is a complex topic that requires understanding of gender disparities in the use of mental health services and the behavior of seeking assistance. Development of legislation and initiatives aiming at raising awareness and availability of mental health care depends on this knowledge. Maintaining healthy relationships, limiting disease development, managing symptoms, increasing production, and fighting cultural prejudice all depend on mental health therapies. Gender expectations, socialising, stigma, and the …
Published in International Journal of Behavioral Sciences · Vol. 1, Issue 2, 2024 · pp. 10–17 Read article