International Journal of Finance, Economics, and Management Studies
type: channel
description: International Journal of Finance, Economics, and Management Studies (IJFEMS) is a scholarly platform that typically publishes high-quality, peer-reviewed research focused on the latest developments and emerging trends in the fields of finance, economics, and management. The journal aims to foster intellectual exchange among researchers, policymakers, and professionals in these disciplines, offering insights into both theoretical and practical aspects of the subjects. The main objective of IJFEMS is to offer a worldwide platform for the dissemination of new research in finance, economics, and management. The journal emphasizes interdisciplinary studies and stimulating new research integrating these disciplines to solve both emerging issues and enduring problems of the global economic and business environment.
language: en
publication name: International Journal of Finance, Economics, and Management Studies
items: A Study on the Impact of Insurance Awareness on Buying Behaviour among the General Public in Arunthavapulam, Nagapattinam District
items: Driving Consumer Action through Fear: A Regional Analysis of Television Commercials
items: A Study on Workplace Stress and Productivity among BPO Employees in Chennai Region
items: A Study on Sports Person’s Buying Behaviour Towards Sportswear and Accessories in Nagapattinam Region
items: A Study on the Impact of Online Ratings and Reviews on Consumer Buying Decisions in Karaikal Region
items: A Study on Customer Perception Towards Gold Loan Service at Nagore
items: A Study on Online Review Authenticity and its Impact on Consumer Purchase Decisions in Nagapattinam District
items: A Study on Personal Financial Planning Behaviour for Salaried Employees
items: Bipolar Economy: Diverging Economic Trajectories between Privileged and Working Classes
items: A Study on How Social Media Makes the Recruitment Process Easy and Effective in Trichy District
items: Purchasing Behavior of Generation Z Consumers: An Empirical Study in Nagapattinam District
items: Risk Premia and Credit Pricing For Female Borrowers in Informal Financial
items: Trade Integration and Economic Growth in ECOWAS: Evidence from Disaggregated Trade and Dynamic Causality Analysis
items: Inflation and Consumer Demand Reallocation: Evidence from Retail Equity Performance in Metropolitan Houston
items: Digital Transformation in SMEs: A Comparative Study of Developing and Developed Economies
items: Barriers to Technology Adoption Among Small and Medium Enterprises
items: Factors Influencing Consumer Adoption of Digital Payment Systems: Exploring Demographic, Psychological, and Sustainability Dimensions
items: Driving Sustainable Growth: Exploring The Nexus Between Financial Innovation And Banking Sector Profitability In Nigeria
items: Quantum Economics: Reframing Value, Scarcity, and Exchange in the Digital Age
items: Post-Scarcity Development for Emerging Economies: Towards Hybrid Prosperity Systems Beyond Economic Output Measures
items: Academic Leadership and Industry – Academia Collaboration: An Indian Perspective
items: Opening the Ethiopian Banking Sector to Foreign Investors: Advantages and Disadvantages (A Literature Review)
items: Climate Stress-Tested Factor Models: Extending Asset Pricing with ESG Risk
items: Rewilding Capitalism: Designing Regenerative Entrepreneurial Models for Post-Growth Markets
items: The Role of FinTech in Enhancing Financial Inclusion in Emerging Economies
items: The Role of AI and Big Data in Predictive Financial Analytics and Investment Strategies
items: Predictive Analytics in Behavioral Finance: Modeling Investor Sentiment with NLP Techniques
items: Multi-Agent AI Systems in Business Strategy: A Computational Approach to Competitive Analysis
items: AI-Driven Cybersecurity Strategies: Leveraging Machine Learning for Threat Detection and Risk Mitigation

A Study on the Impact of Insurance Awareness on Buying Behaviour among the General Public in Arunthavapulam, Nagapattinam District
type: item
description: Insurance plays a vital role in financial planning and risk management, yet its penetration remains low in many developing economies, including India. This study examines the relationship between insurance awareness and buying behavior among the general public, with a focus on understanding how knowledge, perception, and access to information influence insurance purchase decisions. The study explores key dimensions of insurance awareness, such as policy types, premium structures, claim processes, and regulatory frameworks, and investigates how different levels of awareness influence consumer intent, product selection, and purchase frequency.
subject: Articles
  topic: section
subject: Insurance Awareness
  topic: keywords
subject: Buying Behavior
  topic: keywords
subject: Digital Platforms
  topic: keywords
subject: Government Insurance
  topic: keywords
subject: Premium Cost
  topic: keywords
subject: Brand Reputation
  topic: keywords
creator: R. PRIYANKA
creator: S. SWATHIKA
rights: Copyright (c) 2026
date: 2026-05-15
publication date: 2026-05-15
starting page: 101
ending page: 105
doi: 10.64137/31080030/IJFEMS-V2I2P113

Driving Consumer Action through Fear: A Regional Analysis of Television Commercials
type: item
description: This study investigates the effectiveness of fear appeal in television advertisements and its impact on consumer purchase intention. The research examines two advertisements, HDFC Life Insurance (AD 1) and Sensodyne India (AD 2) to analyze how fear-based messaging influences consumer behavior. The independent variables include Perceived Severity, Perceived Vulnerability, Fear Arousal, and Ad Valence, while the dependent variable is Purchase Intention. A descriptive and cross-sectional survey design was adopted, with primary data collected from 150 respondents using a structured questionnaire based on a five-point Likert scale. Statistical tools, including Reliability Analysis (Cronbach’s Alpha), Pearson Correlation Analysis, Multiple Linear Regression, and Chi-Square Test were employed using IBM SPSS. The findings reveal that all fear appeal elements are significantly positively correlated with purchase intention for both advertisements. For AD 1, Perceived Severity (r = .389) was the dominant predictor, whereas for AD 2, Ad Valence (r = .433) and Fear Arousal emerged as the strongest predictors. The regression model explains 17.6% of the variance for HDFC (R² = .176) and 24.6% for Sensodyne (R² = .246). These findings highlight that fear appeal strategies must be tailored according to product category for maximum effectiveness.
subject: Articles
  topic: section
subject: Fear Appeal
  topic: keywords
subject: Purchase Intention
  topic: keywords
subject: Perceived Severity
  topic: keywords
subject: Perceived Vulnerability
  topic: keywords
subject: Fear Arousal
  topic: keywords
subject: Ad Valence
  topic: keywords
subject: Television Advertisements
  topic: keywords
subject: Consumer Behavior
  topic: keywords
creator: KANAGARATHINAM S. N.
creator: VIGNESH .M
rights: Copyright (c) 2026
date: 2026-05-12
publication date: 2026-05-12
starting page: 96
ending page: 100
doi: 10.64137/31080030/IJFEMS-V2I2P112

A Study on Workplace Stress and Productivity among BPO Employees in Chennai Region
type: item
description: Workplace stress has become a major challenge in the modern Business Process Outsourcing (BPO) industry due to heavy workload, long working hours, strict deadlines, and pressure to achieve organizational targets. This study examines the impact of workplace stress on employee productivity among BPO employees in the Chennai region. The study aims to identify the major causes of stress, analyze how stress affects employee performance, and evaluate the effectiveness of stress management practices adopted by employees and organizations. Both primary and secondary data were used for the study. Primary data were collected from 150 BPO employees through a structured questionnaire using a convenience sampling technique. Statistical tools such as percentage analysis, mean score analysis, correlation analysis, chi-square test, and regression analysis were applied for the interpretation of data. The findings reveal that workload, long working hours, and lack of managerial support are the major factors causing workplace stress. The study also found that increased stress negatively affects employee productivity, concentration, motivation, and work efficiency. The research concludes that effective stress management practices, supportive management policies, flexible working conditions, and employee wellness programs can significantly improve employee productivity and organizational performance.
subject: Articles
  topic: section
subject: Workplace Stress
  topic: keywords
subject: Employee Productivity
  topic: keywords
subject: BPO Employees
  topic: keywords
subject: Work Pressure
  topic: keywords
subject: Job Satisfaction
  topic: keywords
subject: Stress Management
  topic: keywords
subject: Organizational Performance
  topic: keywords
creator: SATHISH KUMAR S.
creator: GAYATHRI R.
rights: Copyright (c) 2026
date: 2026-05-09
publication date: 2026-05-09
starting page: 89
ending page: 95
doi: 10.64137/31080030/IJFEMS-V2I2P111

A Study on Sports Person’s Buying Behaviour Towards Sportswear and Accessories in Nagapattinam Region
type: item
description: This study examines the buying behaviour of sports persons towards sportswear and accessories. The objective is to identify the factors influencing purchase decisions, including brand awareness, product quality, price, comfort, and advertisements. Primary data were collected through a structured questionnaire from sports persons. Statistical tools such as Percentage Analysis, Chi-Square Test, Correlation Analysis, Regression Analysis, and One-Way ANOVA were used for data analysis. The findings reveal that product quality, comfort, and brand image significantly influence purchasing decisions. The study concludes that sports persons prefer sportswear and accessories that provide better performance, durability, and comfort. The findings offer useful insights for sportswear manufacturers and marketers.
subject: Articles
  topic: section
subject: Sportswear
  topic: keywords
subject: Buying Behaviour
  topic: keywords
subject: Brand Loyalty
  topic: keywords
subject: Endorsements
  topic: keywords
subject: Online Reviews
  topic: keywords
subject: Consumer Preferences
  topic: keywords
creator: KARTHI R.
creator: AKSHAYA M.
rights: Copyright (c) 2026
date: 2026-05-07
publication date: 2026-05-07
starting page: 84
ending page: 88
doi: 10.64137/31080030/IJFEMS-V2I2P110

A Study on the Impact of Online Ratings and Reviews on Consumer Buying Decisions in Karaikal Region
type: item
description: The rapid expansion of the digital marketplace has significantly transformed traditional consumer decision-making processes, reducing dependence on physical product evaluation and increasing reliance on electronic word-of-mouth (eWOM). This empirical study examines the influence of online ratings and reviews on consumer buying decisions across product- and service-based e-commerce platforms. Primary data were collected through purposive sampling from 150 active online shoppers in Karaikal using a structured questionnaire designed to analyze the relationship between customer feedback indicators and purchasing behavior. To ensure statistical validity, analytical tools such as the Pearson Correlation Coefficient and One-Way Analysis of Variance (ANOVA) were employed to examine the association between online review factors and consumer purchase decisions, as well as variations across different educational groups. The findings indicate that online ratings and reviews play a substantial role in shaping consumer purchase behavior and influence decision-making patterns across diverse consumer segments. The study concludes with practical managerial implications for enhancing digital marketplace strategies and highlights emerging dimensions that can support future research in online consumer behavior.
subject: Articles
  topic: section
subject: E-Commerce
  topic: keywords
subject: Consumer Behavior
  topic: keywords
subject: Online Ratings
  topic: keywords
subject: Reviews
  topic: keywords
subject: Educational Level
  topic: keywords
subject: Buying Decisions
  topic: keywords
creator: KARTHI R.
creator: ASHA P.
rights: Copyright (c) 2026
date: 2026-05-05
publication date: 2026-05-05
starting page: 78
ending page: 83
doi: 10.64137/31080030/IJFEMS-V2I2P109

A Study on Customer Perception Towards Gold Loan Service at Nagore
type: item
description: This study examines customers’ perceptions of gold loan services offered by banks and non-banking financial institutions. Gold loans have become one of the most preferred financial services due to their quick processing, easy accessibility, minimal documentation, and immediate financial support. The main objective of this study is to analyse customer satisfaction and the factors influencing customers’ preferences for gold loan services. The study also focuses on important aspects such as interest rates, loan processing time, repayment facilities, safety of pledged gold, service quality, and trust towards financial institutions. The research is based on primary data collected through structured questionnaires from customers who use gold loan services, and secondary data from journals, websites, articles, and financial reports. Statistical tools such as percentage analysis, mean score analysis, chi-square analysis, correlation, and one-way ANOVA are used to analyse and interpret the collected data. The study is expected to reveal that factors such as quick loan approval, gold security, efficient customer service, and flexible repayment options significantly influence customers’ perceptions and satisfaction with gold loan services. The study concludes that maintaining transparency, reasonable interest rates, and quality service are essential for improving customer satisfaction and building long-term trust in gold loan services.
subject: Articles
  topic: section
subject: Gold Loan Services
  topic: keywords
subject: Customer Perception
  topic: keywords
subject: Customer Satisfaction
  topic: keywords
subject: Banks
  topic: keywords
subject: Non-Banking Financial Institutions (Nbfcs)
  topic: keywords
subject: Service Quality
  topic: keywords
creator: SANGEETHA R.
creator: TAMILARASI P.
rights: Copyright (c) 2026
date: 2026-05-03
publication date: 2026-05-03
starting page: 73
ending page: 77
doi: 10.64137/31080030/IJFEMS-V2I2P108

A Study on Online Review Authenticity and its Impact on Consumer Purchase Decisions in Nagapattinam District
type: item
description: This study examines the role of online review authenticity and its direct impact on consumer purchase decisions within emerging e-commerce frameworks in Nagapattinam District. Relying on a primary data pool of 149 valid respondents, primarily comprised of consumers aged 18–25 (91.9%) and dominated by female users (79.2%), the research focuses heavily on platforms like Meesho (55.0%), Amazon (18.8%), and Flipkart (19.5%). Advanced statistical tools, including descriptive percentage metrics, Spearman's Rho Correlation, Simple Linear Regression, and Pearson's Chi-Square tests via SPSS, were applied for data analysis. ​The empirical findings reveal that verified purchase badges strongly reinforce user trust and directly give confidence in active product usage. However, the Chi-Square test indicates no significant structural association between filtering reviews using verified badges and experiencing product returns due to misleading feedback (p > 0.05). Furthermore, the regression model highlights that text-based verified reviews alone are insufficient, indicating that a vast majority of the variance in consumer confidence depends on multimedia elements like uploaded buyer photos and videos. The paper highlights strategic implications for digital storefronts to enhance validation mechanisms.
subject: Articles
  topic: section
subject: Online Review Authenticity
  topic: keywords
subject: Verified Badges
  topic: keywords
subject: Consumer Purchase Decisions
  topic: keywords
subject: E-Commerce
  topic: keywords
subject: Consumer Trust
  topic: keywords
subject: Chi-Square
  topic: keywords
subject: Regression
  topic: keywords
creator: AJAYRATHNA S
creator: SANTHINI DEVI
rights: Copyright (c) 2026
date: 2026-04-30
publication date: 2026-04-30
starting page: 68
ending page: 72
doi: 10.64137/31080030/IJFEMS-V2I2P107

A Study on Personal Financial Planning Behaviour for Salaried Employees
type: item
description: Financial planning plays an important role in improving the financial stability and future security of individuals. This study aims to analyze the financial planning behaviour and investment decisions of employees. The study mainly focuses on savings habits, budgeting practices, investment preferences, insurance awareness, and long-term financial goals among employees. Primary data was collected from 130 respondents using a structured questionnaire. Statistical tools such as percentage analysis, ANOVA, chi-square, and regression analysis were used for data interpretation. The findings of the study reveal that most respondents maintain monthly budgets, prefer long-term investments, and believe that financial planning helps in managing future expenses and improving financial stability. The study concludes that proper financial planning and financial awareness encourage better saving and investment practices among employees.
subject: Articles
  topic: section
subject: Financial Planning
  topic: keywords
subject: Savings
  topic: keywords
subject: Investment Decisions
  topic: keywords
subject: Financial Stability
  topic: keywords
subject: Employees
  topic: keywords
subject: Financial Awareness
  topic: keywords
creator: SATHISH KUMAR
creator: DHAYALINI A
rights: Copyright (c) 2026
date: 2026-04-27
publication date: 2026-04-27
starting page: 62
ending page: 67
doi: 10.64137/31080030/IJFEMS-V2I2P106

Bipolar Economy: Diverging Economic Trajectories between Privileged and Working Classes
type: item
description: The contemporary global economy exhibits characteristics of a "bipolar economy," marked by two increasingly divergent economic systems operating simultaneously within advanced and developing nations. This study examines how privileged households benefiting from capital ownership, asset appreciation, and financialization have experienced sustained wealth accumulation over the past fifty years, while working- and middle-class households have faced wage stagnation, declining purchasing power, and escalating costs of living. Employing a mixed-methods approach that combines quantitative trend analysis of longitudinal economic data with qualitative synthesis of scholarly literature, this research analyzes wealth distribution statistics, wage trends, productivity metrics, and cost-of-living indices from OECD countries and emerging economies spanning 1980-2023. Data sources include the World Inequality Database, OECD statistical databases, national labor statistics, and Federal Reserve surveys. Through comparative analysis and correlation studies, this research demonstrates that aggregate economic indicators such as GDP growth and stock market expansion obscure the lived economic realities of wage-dependent populations. The findings reveal that productivity gains have systematically decoupled from wage growth, creating structural economic precarity for working-class households despite overall economic expansion. This bifurcation has been accelerated by financialization, labor market restructuring, declining unionization, automation, and regressive tax policies. The study concludes that contemporary economies increasingly function as dual systems where asset-owning classes benefit from capital appreciation and passive income generation, while wage-dependent populations experience reduced social mobility, debt dependence, and rising economic insecurity.
subject: Articles
  topic: section
subject: Wealth Inequality
  topic: keywords
subject: Wage Stagnation
  topic: keywords
subject: Bipolar Economy
  topic: keywords
subject: Economic Divergence
  topic: keywords
subject: Income Inequality
  topic: keywords
creator: SARTHAK MOUDGIL
rights: Copyright (c) 2026
date: 2026-04-23
publication date: 2026-04-23
starting page: 47
ending page: 61
doi: 10.64137/31080030/IJFEMS-V2I2P105

A Study on How Social Media Makes the Recruitment Process Easy and Effective in Trichy District
type: item
description: This paper examines how social media platforms simplify and enhance employee recruitment. Networks such as LinkedIn, Facebook, and Instagram enable organizations to reach a large pool of applicants both active and passive job seekers within a short time frame. By facilitating rapid communication and streamlined application processes, social media reduces recruitment costs and time. Moreover, it supports employer branding and assists organizations in identifying qualified candidates, thereby making the recruitment process more efficient and effective.
subject: Articles
  topic: section
subject: Social Media Recruitment
  topic: keywords
subject: Employer Branding
  topic: keywords
subject: Human Resource Management
  topic: keywords
subject: Cost and Time Efficiency
  topic: keywords
subject: Talent Acquisition
  topic: keywords
creator: PRIYANKA R.
creator: KANYA MU.KA.
rights: Copyright (c) 2026
date: 2026-04-20
publication date: 2026-04-20
starting page: 42
ending page: 46
doi: 10.64137/31080030/IJFEMS-V2I2P104

Purchasing Behavior of Generation Z Consumers: An Empirical Study in Nagapattinam District
type: item
description: Generation Z has emerged as a significant consumer segment with unique purchasing behavior influenced by digital exposure and evolving lifestyle patterns. This study aims to analyze the purchasing behavior of Generation Z consumers in Nagapattinam District and identify the key factors influencing their buying decisions. The study also examines the role of digital platforms, promotional activities, and brand-related factors in shaping consumer behavior. A descriptive research design was adopted, and primary data were collected from 200 respondents using a structured questionnaire based on a five-point Likert scale. Statistical tools such as percentage analysis, correlation, and regression analysis were used for data analysis. The findings reveal that most respondents exhibit moderate purchasing behavior and are highly influenced by digital platforms, social media, and promotional activities. Factors such as price, product quality, and brand reputation also significantly impact purchase decisions. The study concludes that digital influence and promotional strategies are the key drivers of Gen Z purchasing behavior. The study provides valuable insights for marketers to design effective, digital-focused strategies to attract and retain Generation Z consumers.
subject: Articles
  topic: section
subject: Generation Z
  topic: keywords
subject: Purchasing Behavior
  topic: keywords
subject: Consumer Behavior
  topic: keywords
subject: Digital Marketing
  topic: keywords
subject: Social Media Influence
  topic: keywords
subject: Brand Loyalty
  topic: keywords
subject: Promotional Strategies
  topic: keywords
subject: Nagapattinam District
  topic: keywords
creator: CHANDRASEKAR S.
creator: KOWSALYA A.
rights: Copyright (c) 2026
date: 2026-04-17
publication date: 2026-04-17
starting page: 34
ending page: 41
doi: 10.64137/31080030/IJFEMS-V2I2P103

Risk Premia and Credit Pricing For Female Borrowers in Informal Financial
type: item
description: This research focuses on exploring gender differences regarding credit pricing and risk evaluation in informal finance markets, where women represent potential customers. The analysis will draw upon both an overview of the literature available on the topic as well as an extensive survey of primary sources. Lenders tend to apply social criteria such as reputation, norms, and household characteristics instead of financial indicators when evaluating their clients' riskiness. As a result, there is a notable gap between perceived and real riskiness: although women prove to be relatively more reliable as debtors, they have to pay higher interest rates and meet more stringent terms. This can be attributed to such factors as occupational stereotypes, volatility in incomes, and lack of bargaining power resulting in a substantial risk premium. Hidden transaction costs also increase women's cost of obtaining credits as they include obligatory savings, mandatory group membership, and additional conditions not directly related to the monetary aspect.
subject: Articles
  topic: section
subject: Informal Credit Markets
  topic: keywords
subject: Gender Bias
  topic: keywords
subject: Female Borrowers
  topic: keywords
subject: Risk Premia
  topic: keywords
subject: Credit Mispricing
  topic: keywords
creator: AMAIRAH SHARMA
rights: Copyright (c) 2026
date: 2026-04-14
publication date: 2026-04-14
starting page: 15
ending page: 33
doi: 10.64137/31080030/IJFEMS-V2I2P102

Trade Integration and Economic Growth in ECOWAS: Evidence from Disaggregated Trade and Dynamic Causality Analysis
type: item
description: The relationship between trade integration and economic growth has been a central yet unresolved issue in development economics, especially in regional blocks in sub-Saharan Africa. Despite the growth of regional trade agreements on the continent, there is little research on causal relationships between trade integration and growth in the Economic Community of West African States (ECOWAS). This study fills this gap by investigating the causal-effect relationship between trade integration and economic growth in ECOWAS between 1995 and 2022. In particular, the paper identifies the difference between intra-regional and extra-regional trade in order to give a detailed perspective of the integration impacts. The paper uses time series and panel econometric analysis, such as the Autoregressive Distributed Lag (ARDL) method, Vector Error Correction Model (VECM) and Wald coefficient test, to measure both short-term and long-term causal relationships. Empirical findings show that there is short-run causality that is one-directional (trade integration to economic growth), but no bidirectional causality in the long run between the aggregate variables. Nevertheless, in disaggregated form, both intra- and extra-regional trade have a strong long-run effect on economic growth, and there is no reverse causation. The results indicate that the growth-increasing impacts of trade integration in ECOWAS are mostly short-term motivated and conditional on the joint form of the trade flows. The paper concludes that regional integration in itself will not be able to support any substantial growth in the long-term unless accompanied by structural and institutional reforms. It therefore proposes policies that would enhance intra-regional trade, cut non-tariff barriers and enhance the quality of institutions. This paper contributes to the literature as it provides a detailed picture of the trade-growth nexus in ECOWAS by combining disaggregated trade measures with dynamic causal analysis.
subject: Articles
  topic: section
subject: Economic Growth
  topic: keywords
subject: Trade Integration
  topic: keywords
subject: ECOWAS
  topic: keywords
subject: Intra-Regional Trade
  topic: keywords
subject: Causality
  topic: keywords
creator: ABERE S. S.
creator: OGUNWALE S. A.
rights: Copyright (c) 2026
date: 2026-03-22
publication date: 2026-03-22
starting page: 38
ending page: 50
doi: 10.64137/31080030/IJFEMS-V2I1P105

Inflation and Consumer Demand Reallocation: Evidence from Retail Equity Performance in Metropolitan Houston
type: item
description: This study examines how inflation influences consumer purchasing behavior and the financial performance of retail firms within a large metropolitan economy. The analysis focuses on the Houston metropolitan market. It investigates whether rising prices alter the composition of demand between goods typically associated with higher-income consumption and goods that become relatively more attractive when household purchasing power declines. The research combines macroeconomic indicators, retail sales information, and stock market data covering the period from 2000 to 2025. An econometric framework is employed to evaluate the relationship between inflation, changes in consumer demand patterns, and the stock returns of retail firms. The empirical results indicate that periods of rising prices are associated with noticeable adjustments in household spending behavior. As purchasing power weakens, consumers shift a larger share of expenditures toward more affordable goods. Retail firms in these segments tend to experience stronger equity performance than those that depend more on discretionary spending. The findings highlight the importance of demand composition in explaining retail market outcomes during inflationary periods and provide insight for investors, policymakers, and researchers interested in the interaction between consumer behavior and financial markets.
subject: Articles
  topic: section
subject: Inflation
  topic: keywords
subject: Consumer Demand
  topic: keywords
subject: Retail Markets
  topic: keywords
subject: Stock Performance
  topic: keywords
subject: Urban Economy
  topic: keywords
subject: Purchasing Power
  topic: keywords
subject: Demand Composition
  topic: keywords
creator: ONOCHIE JUDE DIELI
creator: GBOLAHAN SOLOMON OSHO
rights: Copyright (c) 2026
date: 2026-04-11
publication date: 2026-04-11
starting page: 1
ending page: 14
doi: 10.64137/31080030/IJFEMS-V2I2P101

Digital Transformation in SMEs: A Comparative Study of Developing and Developed Economies
type: item
description: Digital transformation has become a critical driver of competitiveness, productivity, and resilience for small and medium-sized enterprises (SMEs). However, the extent and impact of digital transformation vary significantly between developing and developed economies due to differences in infrastructure, skills, institutional support, and resource availability. The purpose of this study is to comparatively examine the drivers, adoption levels, challenges, and performance outcomes of digital transformation in SMEs operating in developing and developed economies. The study adopts a comparative research design using a mixed-methods approach. Quantitative data were collected through structured surveys administered to SMEs in selected developing and developed countries, while qualitative insights were obtained through semi-structured interviews with SME owners and managers. Statistical techniques, including descriptive analysis and regression modeling, were used to assess the relationship between digital transformation initiatives and firm performance. The findings reveal that SMEs in developed economies demonstrate higher levels of digital adoption, supported by advanced digital infrastructure, skilled labor, and stronger institutional frameworks. In contrast, SMEs in developing economies face significant barriers such as limited financial resources, inadequate digital skills, and weak technological ecosystems. Despite these challenges, digital transformation positively influences operational efficiency, market reach, and innovation in SMEs across both contexts. The study concludes that while digital transformation offers substantial benefits for SMEs regardless of economic context, targeted policy interventions, capacity-building initiatives, and affordable digital solutions are essential to bridge the digital divide and enhance SME competitiveness, particularly in developing economies.
subject: Articles
  topic: section
subject: Digital transformation
  topic: keywords
subject: Small and medium-Sized enterprises
  topic: keywords
subject: Developing economies
  topic: keywords
subject: Developed economies
  topic: keywords
subject: Digital adoption
  topic: keywords
subject: Firm performance
  topic: keywords
subject: Digital infrastructure
  topic: keywords
subject: Institutional support
  topic: keywords
subject: Mixed-methods research
  topic: keywords
creator: OLUWASEYI JOSEPH
rights: Copyright (c) 2026
date: 2026-01-19
publication date: 2026-01-19
starting page: 30
ending page: 37
doi: 10.64137/31080030/IJFEMS-V2I1P104

Barriers to Technology Adoption Among Small and Medium Enterprises
type: item
description: This study examines the major barriers to technology adoption among small and medium enterprises (SMEs), focusing on financial, human, organizational, and infrastructural challenges that limit digital transformation. The goal of this research is to characterize and study the factors that prevent SMEs from adopting new technologies, and to evaluate how some of these barriers have an impact on their competitiveness and performance. A mixed-methods method is used, utilizing existing literature to form an argument supplemented by data collected from SME owners and managers using a survey, which is investigated in terms of description and themes. The results indicate that high implementation costs, lack of access to finance, insufficient technical capabilities, organizations’ resistance to change, poor infrastructure, and worry about data security are the major barriers to the adoption of technology. This research suggests that to support technology use and ensure the long-term growth of SMEs in an increasingly digital business space, addressing these challenges through supportive funded government policies, raising funding accessibility, capacity building on SME training, and improving digital infrastructure is paramount.
subject: Articles
  topic: section
subject: Small and Medium Enterprises (SMEs)
  topic: keywords
subject: Technology adoption
  topic: keywords
subject: Digital transformation
  topic: keywords
subject: Financial barriers
  topic: keywords
subject: Human capital
  topic: keywords
subject: Organizational change
  topic: keywords
subject: Infrastructure challenges
  topic: keywords
subject: Data security
  topic: keywords
subject: Access to finance
  topic: keywords
subject: Competitiveness
  topic: keywords
subject: Operational efficiency
  topic: keywords
creator: CHRISTIANAH OLUWABUKUNMI OKUNOLA
rights: Copyright (c) 2026
date: 2026-01-16
publication date: 2026-01-16
starting page: 23
ending page: 29
doi: 10.64137/31080030/IJFEMS-V2I1P103

Factors Influencing Consumer Adoption of Digital Payment Systems: Exploring Demographic, Psychological, and Sustainability Dimensions
type: item
description: The financial landscape has been significantly altered by rapid advances in digital technology, with digital payment systems emerging as essential facilitators of financial transactions in modern economies. This research examines factors influencing customers' use of digital payment options, focusing on demographic, psychological, and sustainability characteristics. The study was quantitative, and the data were collected from 384 respondents using a standardized questionnaire design. The demographic characteristic indicated fairness across age, sex, and educational level. The relationships between the variables are evaluated with statistical techniques such as hypothesis testing and factor analysis. The findings show that invaluable customer, innovation, concern forthe environment, and sustainable business practices have a positive and significant influence on the acceptance of e-payment. Despite a negative correlation with perceived danger, the difference was not statistically significant. The research highlights the increasing importance of technological transparency and environmental consciousness in influencing customer choices. Implications of these findings apply to policymakers, Fintechs, and sustainability proponents in promoting digital payment adoption and fostering responsible consumption.
subject: Articles
  topic: section
subject: Digital payment systems
  topic: keywords
subject: Consumer adoption
  topic: keywords
subject: Demographic factors
  topic: keywords
subject: Psychological dimensions
  topic: keywords
subject: Environmental awareness
  topic: keywords
subject: Technology acceptance
  topic: keywords
creator: PRIYA BANSAL
rights: Copyright (c) 2026
date: 2026-01-15
publication date: 2026-01-15
starting page: 13
ending page: 22
doi: 10.64137/31080030/IJFEMS-V2I1P102

Driving Sustainable Growth: Exploring The Nexus Between Financial Innovation And Banking Sector Profitability In Nigeria
type: item
description: This paper investigates the effect of financial innovation on the profitability of the banking sector in Nigeria, with the new focus on the most popular mobile banking, digital payments, and blockchain technologies. It uses the data of 26 commercial banks available from the period of 2009 to 2024 to compare the profitability of them using return on assets ROA as the main measure. The data comes from the Central Bank of Nigeria CBN which contains digital innovations such as Web Pay, Mobile Pay, NIP, NEFT, Remita, and Central Pay. The results show that mobile banking and blockchain technologies have a more significant positive effect on profitability than the impact of digital payments which is different. The study urges strengthening mobile platforms, replacing the existing digital infrastructure with the new one, and implementing blockchain technologies.
subject: Articles
  topic: section
subject: Financial Innovation
  topic: keywords
subject: Banking Sector Profitability
  topic: keywords
subject: Mobile Banking Technologies
  topic: keywords
subject: Digital Payment Systems
  topic: keywords
subject: Blockchain Technologies
  topic: keywords
creator: MARSHAL IWEDI
rights: Copyright (c) 2026
date: 2026-01-12
publication date: 2026-01-12
starting page: 1
ending page: 12
doi: 10.64137/31080030/IJFEMS-V2I1P101

Quantum Economics: Reframing Value, Scarcity, and Exchange in the Digital Age
type: item
description: This paper introduces Quantum economics as a post-classical economic paradigm capable of explaining value formation, exchange dynamics, and behavioural change in digital environments. Traditional economic assumptions inherited from classical and neoclassical frameworks fail to capture the dynamics of twenty-first-century markets, which are dominated by intangible assets, algorithmic trading, platform monopolies, and network-driven value creation. Drawing on principles from quantum theory including uncertainty, entanglement, superposition, relational statehood, and wave-function collapse this paper develops a conceptual and empirical model of economic reality that treats value probabilistically, contextualises identity, and recognises relational dependencies. The digital economy exemplifies structural uncertainty, non-linear cascading dynamics, network amplification, and valuation processes governed by expectations rather than intrinsic scarcity. By synthesising evidence from high-frequency finance, cryptocurrency valuation, data markets, and behavioural psychology, this article demonstrates that economic systems in the digital age operate as quantum information systems rather than classical mechanical systems. Comparative tables are developed to contrast classical and quantum economic assumptions and to map digital market phenomena to quantum concepts. The paper concludes by outlining a research programme integrating complexity theory, network mathematics, and behavioural macroeconomics, proposing Quantum Economics as a foundational paradigm for twenty-first-century economic science
subject: Articles
  topic: section
subject: Quantum economics
  topic: keywords
subject: Digital value
  topic: keywords
subject: Scarcity
  topic: keywords
subject: Innovation
  topic: keywords
subject: Entanglement
  topic: keywords
subject: Network theory
  topic: keywords
subject: Information markets
  topic: keywords
creator: PITSHOU MOLEKA
rights: Copyright (c) 2025
date: 2025-12-16
publication date: 2025-12-16
starting page: 41
ending page: 46
doi: 10.64137/31080030/IJFEMS-V1I2P106

Post-Scarcity Development for Emerging Economies: Towards Hybrid Prosperity Systems Beyond Economic Output Measures
type: item
description: This paper proposes a hybrid model of post-scarcity development for emerging economies that abandons traditional growth-output measures and instead focuses on regenerative socio-ecological capabilities, human flourishing, decentralised technological organisation, and long-term institutional resilience. Existing development models prioritise economic output measures that reduce complex well-being to quantifiable productivity indicators, thereby obscuring structural inequalities, ecological degradation, and human vulnerabilities (Costanza et al., 2014). This paper embeds post-scarcity thinking into African realities through a multi-systemic approach renewable energy networks, digital commons, platform cooperatives, knowledge economies, local autonomy, and innovation diffusion. The argument is supported by empirical research across development studies, ecological economics, political theory, and anthropology. It concludes that post-scarcity development must be neither anti-modern nor anti-market, but rather hybrid, pluriversal and systemic
subject: Articles
  topic: section
subject: Post-Scarcity
  topic: keywords
subject: Hybrid Development
  topic: keywords
subject: Well-Being
  topic: keywords
subject: Africa
  topic: keywords
subject: Political Economy
  topic: keywords
subject: Structural Transformation
  topic: keywords
subject: Sustainability
  topic: keywords
subject: Decentralised Innovation
  topic: keywords
creator: PITSHOU MOLEKA
rights: Copyright (c) 2025
date: 2025-12-10
publication date: 2025-12-10
starting page: 36
ending page: 40
doi: 10.64137/31080030/IJFEMS-V1I2P105

Academic Leadership and Industry – Academia Collaboration: An Indian Perspective
type: item
description: Leadership is the concept of influencing others, whether fully or partially, by building their trust and motivating them verbally and in action. This does not necessarily imply authority or power. It can also refer to a leader's ability to influence power voluntarily delegated to them by members of a department. Academic leadership is a specific area of leadership within an educational environment or institution. In educational institutions, stakeholder value refers to the value of stakeholders such as students, staff, the community, and funding institutions. The various responsibilities of an excellent academic leader include administering the department, fulfilling the role of a faculty member, providing service and support to various constituencies (college, university, external community, associations), and fostering professional and personal development. This paper addresses various challenges in academic leadership, building organizations for change, industry-academic collaboration, and how to develop and nurture effective leadership among students in higher education
subject: Articles
  topic: section
subject: Academia
  topic: keywords
subject: Collaboration
  topic: keywords
subject: Industry
  topic: keywords
subject: Practices
  topic: keywords
subject: Strategies
  topic: keywords
creator: RAJESH EKKA
rights: Copyright (c) 2025
date: 2025-12-06
publication date: 2025-12-06
starting page: 29
ending page: 35
doi: 10.64137/31080030/IJFEMS-V1I2P104

Opening the Ethiopian Banking Sector to Foreign Investors: Advantages and Disadvantages (A Literature Review)
type: item
description: For decades, the Ethiopian banking sector has remained closed to foreign investors. The government’s main rationale for restricting foreign participation was the concern that international banks being more financially robust, technologically advanced, and reputable would overshadow and weaken the growth of Ethiopia’s nascent and underdeveloped domestic banking industry. Recently, however, the government has enacted a new law permitting the entry of foreign banks into the country. This review examines the potential advantages and disadvantages of this policy shift. The anticipated benefits include the introduction of new financial innovations and technologies, increased foreign direct investment, accelerated economic growth, enhanced availability of foreign exchange, and greater facilitation of international trade. Moreover, foreign bank entry is expected to help alleviate Ethiopia’s persistent foreign exchange shortages. Nonetheless, significant risks exist if the reform is not carefully regulated. Without strong oversight by the National Bank of Ethiopia, the dominance of foreign banks may undermine local institutions and expose them to heightened vulnerabilities. The article concludes that while opening the banking sector presents important opportunities for Ethiopia’s economy, careful implementation and stringent regulatory frameworks are critical to safeguarding domestic banks and ensuring balanced, sustainable financial sector development
subject: Articles
  topic: section
subject: Ethiopia
  topic: keywords
subject: Banking Sector
  topic: keywords
subject: Foreign Investors
  topic: keywords
subject: Liberalization
  topic: keywords
subject: Advantages and Disadvantages
  topic: keywords
creator: KIROS HAFTETSION GEBRESILASSIE
rights: Copyright (c) 2025
date: 2025-12-03
publication date: 2025-12-03
starting page: 21
ending page: 28
doi: 10.64137/31080030/IJFEMS-V1I2P103

Climate Stress-Tested Factor Models: Extending Asset Pricing with ESG Risk
type: item
description: The financial market increasingly understands the climate challenge and ESG, or environmental, social, and governance, considerations, which have been disrupting traditional aspects of asset pricing and financial risk management. Standard factor models. Systematic risk premia and asset returns have long been explained by classical factor models, including, but not limited to, the Capital Asset Pricing Model (CAPM), the Fama-French three-factor model, and its extensions. Nevertheless, such models are not particularly sensitive to ESG and climate-related threats, which are becoming more important to investors and regulators alike. This paper represents a new addition to existing factor pricing approaches since the risk variables of ESG are included directly in asset pricing models and are put through a climate stress-testing variety analysis. Precisely, the study incorporates climate-related financial variables like carbon intensity, ESG score and exposure to green bonds in the traditional Fama-French and Carhart models. The study bridges a considerable gap in academia and fieldwork. The present literature has studied the ESG factors qualitatively or has investigated their relationship with the firm-level performance, yet they have not incorporated or integrated such risk into traditional asset pricing models. Regulators, Concurrently, regulators including the European Central Bank and the Bank of England, are increasingly requiring climate stress tests, indicating that, compared to academia, the financial community is catching up in ensuring accounting with distinction. The paper aims to fill that gap, developing a basis in econometric theory of climate-aware asset pricing
subject: Articles
  topic: section
subject: Asset pricing
  topic: keywords
subject: Climate risk
  topic: keywords
subject: ESG factors
  topic: keywords
subject: Factor models
  topic: keywords
subject: CAPM
  topic: keywords
subject: Fama-French
  topic: keywords
subject: Carhart
  topic: keywords
subject: Climate stress testing
  topic: keywords
creator: ROHAN DALAL
rights: Copyright (c) 2025
date: 2025-12-19
publication date: 2025-12-19
starting page: 13
ending page: 20
doi: 10.64137/31080030/IJFEMS-V1I2P102

Rewilding Capitalism: Designing Regenerative Entrepreneurial Models for Post-Growth Markets
type: item
description: This research is rooted in the concept of regenerative business models, post-growth economies and indigenous ecology. To a viable and just economic society, peace and safety to the soul must have a place as well. That’s why these are all linked. The emergence of new markets for goods and services. Sustainable alternatives aim to eliminate as many of the adverse impacts on the environment from business operations as they can. New products and services in the marketplace. But regenerative business models function at a level above sustainability, not in simple search of their opposite. They also try to make a difference in society and the environment for the betterment. Post-growth economies are refuting the objectives of maximizing profits by working for human well-being within environmental limits, and conventional ecological models have much to teach us about sustainable land management and ecological restoration over time scales. Post-growth economies depart from a profit-maximising system and are based on human well-being within ecological limits. And we have a lot to learn from indigenous ecological traditions about long-term land stewardship and ecosystem restoration, as well. This paper is a compilation of information found from literature, case studies and news sources in order to illustrate the potential such combined efforts have in terms of long-term regenerative solutions. Trinergy: Real-world Use Cases Examples, such as Attune food forest in Himachal Pradesh, India, demonstrate how principles of regenerative business models can play a part in the restoration of ecological systems they exist within and enable local communities to thrive. As emphasized in the study, regulatory support, co-construction and defining new recorded indicators for success need to be the minimum conditions if a real transition from Sustainable Changing to regenerative economies and eventually a post-growth economy will ever come. The findings underscore the need for more research,…
subject: Articles
  topic: section
subject: Capitalism
  topic: keywords
subject: Regenerative Economy
  topic: keywords
subject: Social-Ecological Resilience
  topic: keywords
subject: Regenerative Value Creation
  topic: keywords
subject: Ecological Economics
  topic: keywords
creator: AGASTYA SARAF
rights: Copyright (c) 2025
date: 2025-11-22
publication date: 2025-11-22
starting page: 1
ending page: 12
doi: 10.64137/31080030/IJFEMS-V1I2P101

The Role of FinTech in Enhancing Financial Inclusion in Emerging Economies
type: item
description: Financial technology, or FinTech, is helping to include more people in financial services in emerging countries because conventional banks usually miss these regions. Mobile gadgets and greater internet use have made it possible for fintech to serve the unbanked and underbanked with mobile money, digital wallets, and new credit scoring. Mobile banking and the use of blockchain allow for lower spending, more safety for users, and easier access to financial services for those on the outskirts of civilization. Platforms like M-Pesa have made it possible for millions in Africa and Asia to take part in transactions, manage their savings, and get loans all through their phones. Microloans are now reaching individuals and small businesses through artificial intelligence-supported lending methods, allowing them to get the support they need and giving them access to new markets. Experience from around the world suggests that fintech benefits developing countries more than advanced economies, mainly if the regulatory environment is well-established and there is a focus on digital education. Although these developments have taken place, there are still issues, for example, ensuring consumer protection, helping people become more digital, and ensuring everyone is treated fairly through appropriate regulations. As fintech grows, it will be important for fintech companies to join efforts with governments and banks to use digital technology for financial inclusion in emerging markets fully.
subject: Articles
  topic: section
subject: FinTech
  topic: keywords
subject: Financial inclusion
  topic: keywords
subject: Emerging economies
  topic: keywords
subject: Mobile money
  topic: keywords
subject: Digital wallets
  topic: keywords
subject: Blockchain
  topic: keywords
subject: Artificial intelligence
  topic: keywords
subject: Microloans
  topic: keywords
subject: Digital payments
  topic: keywords
subject: Regulatory framework
  topic: keywords
subject: Economic empowerment
  topic: keywords
subject: Unbanked and Underbanked
  topic: keywords
subject: Financial services
  topic: keywords
subject: Digital literacy
  topic: keywords
creator: RAJEES J.
rights: Copyright (c) 2025
date: 2025-09-21
publication date: 2025-09-21
starting page: 38
ending page: 48
doi: 10.64137/31080030/IJFEMS-V1I1P105

The Role of AI and Big Data in Predictive Financial Analytics and Investment Strategies
type: item
description: It is reshaping the financial industry through revolutionizing predictive analytics as well as investment strategies by the use of Artificial Intelligence (AI) and Big Data analytics. Traditionally, analytical techniques no longer suffice to process the huge volume, velocity and variety of financial data that are being generated daily. In this context, AI algorithms, particularly those that incorporate Machine Learning (ML), deep learning, and Natural Language Processing (NLP), are effective tools that enable the development of models for making real-time decisions and managing risk. This paper attempts to establish the convergence of AI and Big Data in the financial sector, especially in predictive financial analytics and investment strategies. They enable forecasting of accurate markets, assessing risk, optimization of portfolios, detecting fraud, and sentiment analysis. A review of Big Data platforms, including Hadoop and Spark, and methodological frameworks such as supervised learning, unsupervised learning, and reinforcement learning, is provided. The practical applications and limitations are illustrated through a comprehensive literature review, methodological analysis, and case study. A significant improvement in the accuracy of the forecast and investments' return presented in the results confirms the importance of applying AI and Big Data in modern financial infrastructures.
subject: Articles
  topic: section
subject: Artificial intelligence
  topic: keywords
subject: Big Data
  topic: keywords
subject: Predictive analytics
  topic: keywords
subject: Investment strategies
  topic: keywords
subject: Machine learning
  topic: keywords
subject: Financial forecasting
  topic: keywords
subject: Portfolio optimization
  topic: keywords
subject: Sentiment analysis
  topic: keywords
subject: Risk management
  topic: keywords
creator: JANO JOY
rights: Copyright (c) 2025
date: 2025-09-20
publication date: 2025-09-20
starting page: 29
ending page: 37
doi: 10.64137/31080030/IJFEMS-V1I1P104

Predictive Analytics in Behavioral Finance: Modeling Investor Sentiment with NLP Techniques
type: item
description: Behavioral finance with predictive analytics is a developing discipline that tries to understand how psychological powers and behavioral predispositions impact the budgetary choices of investors. In this research paper, utilizing Natural Language Processing (NLP) techniques for modeling of the investor sentiment is studied, using text data from financial news, social media, blogs and financial statements. Sentiment of the investors (an important variable in behavioral finance) can cause significant volatility in the market as well as the pricing of the assets. Quantifying sentiment is complicated and subjective, though. In this paper, we present a flexible framework with sentiment analysis, topic modeling and deep learning, which explores the output of unstructured financial text data as Actionable Sentiment Scores. The research starts off by investigating the impact of behavioral finance and data science on financial analysis, with a focus on the way that non-rational factors, including emotions and biases, play a role in financial decision-making. It then goes on to explain recent advances in NLP, particularly in transformer-based models such as BERT and FinBERT and their applicability for finance-specific applications. Following a multi-source data aggregation strategy, this study extracts investor opinions and applies a sentiment classification, which is further utilized with a time series regression model to evaluate how sentiment trends affect stock price changes. However, findings from this paper also offer quantitative outcomes that show a statistically significant correlation when it comes to aggregated sentiment scores and abnormal returns in specific market segments. The experimental setup contains data from 2017 to 2023, whereas the key tools utilized are Python, HuggingFace Transformers and APIs related to finances. A hybrid model is used to model sentiment with rule-based approaches such as VADER, Loughran-McDonald lexicon and machine learning such as …
subject: Articles
  topic: section
subject: Investor sentiment
  topic: keywords
subject: Predictive analytics
  topic: keywords
subject: Behavioral finance
  topic: keywords
subject: NLP
  topic: keywords
subject: Sentiment analysis
  topic: keywords
subject: Deep learning
  topic: keywords
subject: Financial text
  topic: keywords
subject: Market forecasting
  topic: keywords
subject: Stock price prediction
  topic: keywords
creator: BHUVANESHWARI
rights: Copyright (c) 2025
date: 2025-09-19
publication date: 2025-09-19
starting page: 19
ending page: 28
doi: 10.64137/31080030/IJFEMS-V1I1P103

Multi-Agent AI Systems in Business Strategy: A Computational Approach to Competitive Analysis
type: item
description: Multi-Agent AI Systems (MAS) rely on the cooperative actions of autonomous agents to meet difficult and rapidly changing issues in analysis and business strategy. In contrast to single-agent models, MAS includes different agents that team up, change as needed and function in real time. Thanks to its decentralized and modular design, businesses can scale their activities, maintain good stability and flex their operations as market situations change. With the help of advanced AI like Generative AI, MAS can examine huge datasets, perform market simulations and support smart decisions from leaders. Such algorithms are applied to everything from setting creative prices to improving supply chains, assessing risks and detecting fraud in the financial industry. The use of MAS makes it possible for tasks to be split and completed by multiple processors, which helps reduce workflow trouble spots. Additionally, its ability to respond to uncertainty and make quick, real-world decisions makes MAS a vital instrument for industries needing both agility and innovation. With MAS, organizations become stronger competitors by streamlining their work processes, encouraging innovation and solving problems on many scales. The future success of MAS comes from its power to change how businesses run smoothly by working with present technology and developing together with the company's needs.
subject: Articles
  topic: section
subject: Multi-Agent AI Systems (MAS)
  topic: keywords
subject: Competitive analysis
  topic: keywords
subject: Business strategy
  topic: keywords
subject: Generative AI
  topic: keywords
subject: Scalability
  topic: keywords
subject: Decentralized systems
  topic: keywords
subject: Real-time decision-making
  topic: keywords
subject: Operational efficiency
  topic: keywords
subject: Dynamic pricing
  topic: keywords
subject: Risk management
  topic: keywords
creator: IYANA K.
rights: Copyright (c) 2025
date: 2025-09-17
publication date: 2025-09-17
starting page: 11
ending page: 18
doi: 10.64137/31080030/IJFEMS-V1I1P102

AI-Driven Cybersecurity Strategies: Leveraging Machine Learning for Threat Detection and Risk Mitigation
type: item
description: Traditional techniques used for threat detection and threat management are not strong enough to cope with the fast-changing world of cyber threats. With the help of Artificial Intelligence (AI) and Machine Learning (ML), it is now possible to strengthen cybersecurity strategies. This document explains how AI and ML are being utilised in cybersecurity for both threat detection and risk mitigation. We look at the main theories, useful practices, and possible future trends in AI-powered cybersecurity. The document presents several case studies, algorithms, and statistical information to demonstrate how these technologies operate in the real world. Ultimately, we cover the obstacles and ethical topics relevant to AI in cybersecurity.
subject: Articles
  topic: section
subject: AI-driven cybersecurity
  topic: keywords
subject: Machine learning
  topic: keywords
subject: Threat detection
  topic: keywords
subject: Risk mitigation
  topic: keywords
subject: Anomaly detection
  topic: keywords
subject: Predictive analytics
  topic: keywords
subject: Cybersecurity automation
  topic: keywords
subject: Data preprocessing
  topic: keywords
subject: Federated learning
  topic: keywords
subject: Threat intelligence
  topic: keywords
creator: RIYAZ MOHAMMED M.
rights: Copyright (c) 2025
date: 2025-09-15
publication date: 2025-09-15
starting page: 1
ending page: 10
doi: 10.64137/31080030/IJFEMS-V1I1P101