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18 articles for “financial services”
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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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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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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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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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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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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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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
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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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Challenges And Constraints Affecting Female-Owned Rural Farm Businesses in Plateau State, Nigeria
Abstract: This study examined the challenges and constraints affecting female-owned rural farm businesses in Plateau State, Nigeria. No prior study had conducted a comprehensive, quantitative, state-wide investigation covering all 17 local government areas (LGAs) of the state, and this study addressed that gap. The objectives were to identify the challenges faced by female-owned rural farm businesses, assess their relationship with business performance, and determine how strongly these challenges predicted performance outcomes. …
Published in International Journal of Rural and Regional Development · Vol. 4, Issue 1, 2026 · pp. 1–13 Read article
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Unveiling the Veil of Black Money Understanding Its Impact on Economic Stability and Policy Formulation in India
Abstract: The issue of black money has emerged as a critical concern for India, undermining economic stability and challenging the effectiveness of policy formulation. Black money, generated through unaccounted income and tax evasion, exerts a detrimental influence on multiple facets of the economy, including resource allocation, income distribution, and public trust in governance. This study examines the multifaceted impact of black money on India’s economic framework, highlighting its role in distorting …
Published in Recent Trends in Social Studies · Vol. 2, Issue 2, 2025 · pp. 1–10 Read article
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Securing Web Applications: A Machine Learning Approach for SQL Injection Threats
Abstract: The rapid evolution and widespread adoption of the internet have significantly transformed the world, leading to an increased number of cyberattacks. Cybersecurity has become one of the most critical challenges for society, incurring substantial financial losses annually. This research focuses on SQL injection attacks, the specific threat to web applications, aiming to detect malicious queries designed to exploit vulnerabilities and access sensitive data. In recent years, the frequency of SQLi …
Published in International Journal of Information Security Engineering · Vol. 4, Issue 1, 2026 · pp. 16–22 Read article
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Study of Cyber Security Challenges and Their Impact
Abstract: In the contemporary digital landscape, the internet has become an indispensable tool for daily activities, encompassing email communication, financial transactions, shopping, reservations, data sharing, and access to information. This interconnected realm, often termed cyberspace, defines our modern era, characterized by the pervasive presence of the Internet of Things (IoT), facilitating ubiquitous data exchange and communication. However, this interconnectedness also exposes vulnerabilities, leading to cybersecurity concerns. The transfer of information traverses …
Published in International Journal of Wireless Security and Networks · Vol. 2, Issue 1, 2024 · pp. 7–12 Read article
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A Security Investigation Survey of Ransomware Detection and Avoidance Strategies for IoT Networks
Abstract: The internet of things (IoT) refers to the interconnection of a large number of distinct physical objects, which in turn makes possible a variety of services and applications. Because the IoT sector is developing at such a rapid rate, ensuring its safety ought to be a high concern. At this time, ransomware attacks constitute the biggest danger to IoT posed by cyberattacks. Ransomware is software that blocks access to or …
Published in International Journal of Information Security Engineering · Vol. 1, Issue 2, 2023 · pp. 14–23 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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A Low Embodied Energy Approach for Early Design Decisions in Agritourism Centers in Pune
Abstract: Agritourism is an idea that empowers and trains the rural family, organization, or individual to generate alternative sources of income by transforming their traditional agricultural land into a tourist attraction. Agritourism is the practice of attracting visitors to an area used primarily for agricultural purposes. It could be described as – rural/agricultural environments + farm commodities + tourism services = agritourism. It gives visitors an experience to stay in a …
Published in International Journal of Rural and Regional Development · Vol. 3, Issue 1, 2025 · pp. 29–41 Read article
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Scope of Nurse Led Preventive Oncology Clinic in India
Abstract: India holds immense potential and a promising future for the extensive implementation of nurse-led preventive oncology clinics, considering its substantial burden of cancer-related morbidity and mortality. The healthcare system in India is not equipped enough to cater to the growing needs of the population, and there is a lack of preventive services, particularly for cancer. In this context, nurse-led preventive oncology clinics can play a pivotal role in addressing the …
Published in International Journal of Oncological Nursing and Practices · Vol. 1, Issue 1, 2023 · pp. 12–16 Read article