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30 articles for “financial technology”
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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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Enhancing Security of UPI Payments Through Artificial Intelligence
Abstract: The integration of Artificial Intelligence (AI) into modern digital payment systems has brought about a significant transformation in the banking and financial sector. Among these systems, the Unified Payments Interface (UPI), developed by the National Payments Corporation of India (NPCI), has emerged as one of the most successful real-time payment mechanisms due to its simplicity, accessibility, and efficiency. With the incorporation of AI technologies, UPI has witnessed notable improvements in …
Published in International Journal of Mobile Computing Technology · Vol. 3, Issue 2, 2025 · pp. 7–12 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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Integrated risk assessment framework for mixed use real estate development: Retail–office configuration
Abstract: Mixed-use real estate development is a multifaceted challenge that offers significant potential benefits, yet developers and urban planners face skepticism and uncertainty. Despite the promise of enhancing property values, promoting secure neighborhoods, stimulating economic vitality, and creating synergies, the associated risks demand a critical examination. This research seeks to address this gap by constructing a comprehensive risk assessment framework for mixed-use real estate projects. The literature review underscores the substantial …
Published in International Journal of Rural and Regional Development · Vol. 2, Issue 1, 2024 · pp. 22–36 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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A Study on the Role of Women’s Involvement in Fisheries and Aquaculture with Reference to the Mumbai Region
Abstract: Women play a crucial role in the fisheries and aquaculture sector, engaging in activities such as fish processing, marketing, and aquaculture management. Although they make major contributions, they frequently encounter socio-economic difficulties, such as limited access to funding, technological tools, and skill development opportunities. In the Mumbai region, women’s involvement in the fisheries industry is essential for economic sustainability, yet financial constraints and inadequate infrastructure restrict their growth and leadership …
Published in International Journal of Marine Life · Vol. 3, Issue 1, 2026 · pp. 1–5 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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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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An In-depth Analysis of Cyberattacks and Cybersecurity: New Trends and Advancements
Abstract: At present, a significant portion of global economic, commercial, cultural, social, and governmental activities and interactions, including those involving individuals, NGOs, and state institutions, takes place in cyberspace. In recent times, many businesses and government agencies around the world have been facing the growing challenge of cyberattacks and the risks associated with wireless communication technologies. As modern society becomes increasingly dependent on digital technologies, protecting sensitive information from cyber threats …
Published in International Journal of Information Security Engineering · Vol. 3, Issue 2, 2025 · pp. 31–38 Read article
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Phishing Attack, Its Detections and Prevention Techniques
Abstract: The relentless surge of cyber threats represents a pressing challenge to global security and individual privacy. Among these, phishing attacks remain a particularly pernicious form of cybercrime. This study provides a comprehensive review of phishing attacks, their evolution, methodologies, impacts, and countermeasures. The methods of perpetrating phishing attacks have grown in sophistication, extending beyond the common email phishing to include spear phishing, whaling, clone phishing, vishing, smishing, and search engine …
Published in International Journal of Wireless Security and Networks · Vol. 1, Issue 2, 2023 · pp. 13–25 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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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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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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A Systematic Review on Factors Contributing to Infertility
Abstract: Infertility is a multifactorial reproductive health condition affecting approximately 10–15% of couples worldwide and continues to represent a major clinical and social challenge. Despite substantial advances in assisted reproductive technologies, diagnostic methods, and therapeutic interventions, many couples still face difficulties in achieving pregnancy. The impact of infertility extends beyond physical health, often leading to emotional distress, social pressure, and financial burdens, especially in societies where parenthood is highly valued. Consequently, …
Published in International Journal of Tropical Medicines · Vol. 3, Issue 1, 2026 · pp. 31–35 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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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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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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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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Card Fraud Detection Using Artificial Neural Network and Multilayer Perception Algorithm
Abstract: Fraud has posed a significant challenge for merchants, especially in the online business sector, over the course of many years. This is primarily due to the advancements in technology that have made credit card transactions a common method of payment. Credit card fraud refers to the unauthorized use of a credit card by an individual for personal purposes, without the owner's consent and with no intention of paying for the …
Published in International Journal of Algorithms Design and Analysis Review · Vol. 1, Issue 1, 2023 · pp. 21–30 Read article