Journal of Economics & Management Research
type: channel
description: Journal of Economics & Management Research is an open access peer-reviewed journal from the publishers of Scientific Research and Community (SRC) which publishes articles in the form of written, video and power-point presentations from the arena of Economics & Management Research. The journal focuses to build up accessing the complete content of articles freely from online for reader’s perusal. Article acceptance will be in the form of Research, Review, Case Reports, Analysis, Magazines, Editorials, Opinion, Communications, Mini-Review, Short Communications, Picturized, Book Review, Video type and Power Point Presentations (PPTS). You can submit your article through online: https://srcpublishers.com/economics-management-research/user/register or through Email attchment: economics@onlinescientificresearch.info 1.5 Impact Factor 84.5% Citations 90% Acceptance
publisher: Scientific Research and Community
language: en
publication name: Journal of Economics & Management Research
issn: 2755-0214
items: Convergence of AI, Blockchain and Quantum Computing in Financial Risk Management and Regulatory Compliance
items: Development of Wastewater Treatment System for Coconut-Based Food Production
items: Personal Values and Cyber Risk-Taking
items: Banking Innovations and Agricultural Sector Performance in Nigeria
items: U.S. Semiconductor Export Structure under Innovation and Trade Policy
items: African Continent Free Trade Area Development Strategy Analysis
items: Building a Tariff-Proof Economy: Ecosystem Rules for A Sustainable Economic Future
items: Advancing Scalable and Secure AI Systems: A Decade of Innovation in AI Infrastructure, MLOps, and Data EngineeringSafeguarding Financial Data
items: Comprehensive Guide to Insurance and AAA Membership Benefits: What You Need to Know Safeguarding Financial Data
items: Transforming the Automotive Industry: From Manufacturing and Mobility to AI, Cloud, and Sustainable SolutionsSafeguarding Financial Data
items: AI-Enhanced Chatbots for Real-Time Symptom Analysis and Triage in Telehealth Services Safeguarding Financial Data
items: The Role of Business Interruption Insurance in Economic Resilience: A Post-Pandemic Analysis of Policyholder Compensation and Legal ChallengesSafeguarding Financial Data
items: AI-Driven Treasury Management: Reinforcement Learning Models for Liquidity Optimization and Fraud Prevention in Large-Scale Financial Institutions
items: The Future of Digital Financial Security: Integrating AI, Cloud, and Big Data for Fraud Prevention and RealTime Transaction Monitoring in Payment Systems Safeguarding Financial Data
items: AI-Driven Identity Protection: The Intersection of Gen AI, Credit Monitoring, and Fraud Alerts in Safeguarding Financial Data
items: Analyzing Behavioral Trends in Credit Card Fraud Patterns: Leveraging Federated Learning and Privacy-Preserving Artificial Intelligence Frameworks
items: Transformative Applications of Generative AI in Socially Responsible Financial Models: A Machine Learning Perspective
items: Photonic Data Centers: Advancing Energy Efficiency and Speed in Next-Generation Cloud Infrastructure
items: The Impact of Geopolitical Tensions and The Divergent Trajectories of Monetary Policies
items: Artificial Intelligence and the Transformation of the Growth Employment Nexus: An Empirical Reappraisal of Okun’s Law
items: Empowering Change from the Ground Up: Women’s Entrepreneurship in Sub-Saharan Africa’s Informal Sector
items: Artificial Intelligence and the Global Bioeconomy-Optimizing the International Competitiveness of Plant-Based Bioproducts
items: Positionless Marketing Theory, Positionless Marketing Strategy and Positionless Marketing Principles
items: Financial Time Series: Adaptive Forecasting Frameworks
items: Economic Vulnerability, Land Use Planning and Human Capital in the West African Economic and Monetary Union (WAEMU): Analysis based on PASEC Data
items: Exploring Financial Motives for Earnings Management in the Economic Crisis. Evidence from Greek and German Listed Companies
items: The Ethical Implications of Artificial Intelligence in Decision-Making: Balancing Innovation with Accountability and Integrity
items: Circular Organization of Economic Processes Symmetric Model of Economic Equilibrium
items: Inherited Family Trauma Model and Its Application in Jesmyn Ward's Sing, Unburied, Sing
items: Research on Development of Software Industry and Intelligent Industry in Taiyuan City

Convergence of AI, Blockchain and Quantum Computing in Financial Risk Management and Regulatory Compliance
type: item
description: Financial institutions now face three pressures that do not pull in the same direction. Risk detection has to work at microsecond timescales. Compliance rules demand verifiable provenance for every decision that gets made. And the optimisation problems underlying modern portfolio construction and derivative pricing are growing faster than classical computing can keep up with. Most of the existing scholarship treats artificial intelligence, blockchain, and quantum computing as three separate technological trajectories, each studied for the incremental improvement it promises in the problem it addresses. This study argues that the more consequential transformation lies in their convergence, not in their individual adoption. The literature has not yet articulated an integrated architecture that assigns complementary roles to these three technologies within a single risk-and-compliance stack, and that is the gap the paper addresses. Drawing on recent work in financial economics, cryptography, and quantum information science, the paper proposes the ABQ Financial Risk Architecture, which organises three layers: an AI-driven Detection Layer, a blockchain-anchored Trust and Audit Layer, and a quantum-enabled Optimisation Layer. A testable proposition follows. Institutions that integrate all three layers should achieve materially better risk-adjusted compliance outcomes than institutions deploying any subset on its own, with the gap widening as the underlying problems grow more complex. The paper then examines economic implications for developed markets, regulators, and emerging economies, with particular attention to India's National Quantum Mission and the Reserve Bank of India's evolving regulatory posture. Contributions include the architectural conceptualisation itself, three analytical figures depicting layer structure and information flows, a comparative mapping of technology roles, and a research agenda for validating convergence effects empirically. The analysis sug…
subject: Articles
  topic: section
subject: Financial Risk Management
  topic: keywords
subject: Regulatory Technology
  topic: keywords
subject: Artificial Intelligence
  topic: keywords
subject: Blockchain
  topic: keywords
subject: Quantum Computing
  topic: keywords
subject: Post Quantum Cryptography
  topic: keywords
subject: India
  topic: keywords
subject: National Quantum Mission
  topic: keywords
creator: Nagnath Savant
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-05-10
publication date: 2026-05-10
starting page: 1
ending page: 8
doi: 10.47363/JESMR/2026(7)329

Development of Wastewater Treatment System for Coconut-Based Food Production
type: item
description: Coconut-based food production, particularly coconut jelly processing, is a key industry among SMEs in Samut Songkhram province. However, a manufacturing process generates a large volume of wastewater per day that released into the surface water causing water pollution and foul odors. This study aims to develop and implement an appropriate wastewater treatment system for coconut jelly and white coconut meat processing industries, with the goal of establishing practical design specifications for SME applications. The design of the developed wastewater treatment system depends on the volume of wastewater generated from the production process. The treatment system consists of an anaerobic pond (serving as a combined equalization and grease trap pond), an aeration pond, and a sedimentation pond. In 2024, the pilot plant wastewater treatment system for coconut jelly production was installed at SME entrepreneurs in Samut Songkhram province. The pilot plant wastewater system has been designed for the influent 5 m3/day. The designed consist of (1) 25 m3 anaerobic pond with retention time 5 day, (2) the 6 m3 aeration pond with oxygen transfer rate 5.3 Kg.O2 /day, retention time 1.2 day and (3) 1.8 m3 sedimentation pond with retention time of 0.4 day. The results indicate that, when compared with the Notification of the ministry of natural resources and environment on the establishment of wastewater discharge standards from small enterprises producing goods or providing specific services, B.E. 2564 (Group 2). The results of the implementation of this system demonstrate that the effluent pH of 6.1 – 6.4, within the standard range (5.5 – 9.0). BOD ranged from 5 – 58 mg/L, meeting the standard (≤60 mg/L) with 96.77 – 98.27% removal. TSS ranged 6 – 20 mg/L, within the standard (≤ 50 mg/L), with 87.26 – 97.62% removal. Oil and grease were undetectable, achieving 100% removal (≤ 20 mg/L). The developed wastewater treatment system effectively reduced organic pollutants and improved e…
subject: Articles
  topic: section
subject: community enterprises
  topic: keywords
subject: household-scale operations
  topic: keywords
subject: Coconut-based food production
  topic: keywords
creator: Amornpon Changsuphan
creator: Nimit Palee
creator: Jirachatr Srisane
creator: Veerapat Thonganan
creator: Chadaporn Bandan
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-04-09
publication date: 2026-04-09
starting page: 1
ending page: 4
doi: 10.47363/JESMR/2026(7)327

Personal Values and Cyber Risk-Taking
type: item
description: This research explores the relationship between personal values and the tendency to take cyber-risks. We first develop and add six cyber-risk items to the well-known Domain-Specific Risk-Taking (DOSPERT) scale. Importantly, we show that like the other five domains examined by the scale (Health, Ethical, Financial, Recreational, and Social), these cyber items form a separate cluster. We then examine the association between values and cyber risk-taking behavior. We find that “conservation (conservatism)” values are negatively correlated with the tendency to take cyber risks. Thus, individuals prioritize conservation are less likely to take cyber risks. We also find that “openness to change” values are positively associated with the tendency to take cyber-risks. Individuals who value openness to changes are prone to take cyber risk. The findings suggest possible “values based” interventions in order to increase cyber-security.
subject: Articles
  topic: section
subject: Personal Values
  topic: keywords
subject: Cyber
  topic: keywords
subject: Risk-Taking
  topic: keywords
subject: Empirical Study
  topic: keywords
creator: Zohar
creator: Sonia Roccas
creator: Neil Gandal
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-04-21
publication date: 2026-04-21
starting page: 1
ending page: 11
doi: 10.47363/JESMR/2026(7)328

Banking Innovations and Agricultural Sector Performance in Nigeria
type: item
description: The study investigated banking innovations and agricultural sector performance in Nigeria. An Ex-Post Facto research design was adopted, utilizing monthly time-series data from 1980 to 2024, sourced from the Central Bank of Nigeria and the Nigerian Bureau of Statistics. The data were analyzed using descriptive statistics and the Autoregressive Distributed Lag (ARDL) model to capture both short-run and long-run dynamics. The study's diagnostic tests confirmed the stability and reliability of the models. The study's ARDL long-run analysis revealed that ATM transactions had a significant positive impact on agricultural GDP with a coefficient of 0.004691 (p = 0.0000), while EFT transactions had a significant negative effect with a coefficient of -0.015411 (p = 0.0008). Mobile banking and POS transactions had no significant long-run impact. In the short run, negative lag effects of ATM and mobile banking were observed, while EFT showed positive short-run contributions. The error correction term indicated that 39.4% of disequilibrium was corrected each period. The model also passed diagnostic tests for serial correlation, heteroskedasticity, and model specification, confirming its reliability. The study concluded that while ATM transactions support agricultural growth, mobile banking, POS, and EFT have mixed or negative impacts on agricultural productivity. It recommended that policies should focus on improving the integration of digital banking tools with the agricultural sector and address structural constraints such as low digital literacy and weak rural infrastructure.
subject: Articles
  topic: section
subject: Banking Innovations
  topic: keywords
subject: Real Sector Performance
  topic: keywords
subject: Autoregressive Distributed Lag (ARDL) Model
  topic: keywords
subject: Agricultural and Industrial GDP
  topic: keywords
subject: Digital Financial Services
  topic: keywords
subject: Nigeria
  topic: keywords
creator: Peter Ngbede Ajam
creator: Emmanuel S Akpan
creator: Charles Ibebi
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-03-10
publication date: 2026-03-10
starting page: 1
ending page: 10
doi: 10.47363/JESMR/2026(7)325

U.S. Semiconductor Export Structure under Innovation and Trade Policy
type: item
description: Semiconductors are a foundational input for modern economic activity, and their international trade is shaped by both market forces and government policy. This study examines how U.S. innovation and trade policies are associated with changes in the structure of semiconductor exports, focusing on shifts in export allocation, destination concentration, and specialization rather than export volumes alone. Using bilateral UN Comtrade data classified by harmonized system (HS) codes from 2015 to 2024, the analysis applies measures of export concentration and comparative export strength to assess changes in market dependence and positioning. The results indicate that major policy changes coincide with export reallocation across destination markets, while U.S. exports remain concentrated in technologically advanced segments. Overall, the findings link policy environments to observable changes in export structure in a technology-intensive industry.
subject: Articles
  topic: section
subject: Semiconductors
  topic: keywords
subject: Global Value Chains
  topic: keywords
subject: Industrial Policy
  topic: keywords
subject: Export Diversification
  topic: keywords
subject: Trade Concentration
  topic: keywords
subject: Geopolitical Risk
  topic: keywords
creator: Alexander Yu
creator: Savannah Yu
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-03-16
publication date: 2026-03-16
starting page: 1
ending page: 7
doi: 10.47363/JESMR/2026(7)326

African Continent Free Trade Area Development Strategy Analysis
type: item
description: The establishment of the African Continental Free Trade Area (AfCFTA) will promote the agglomeration of industries in the African region, the extension of the industrial chain and the growing economies of scale, and promote the participation of African countries in the global supply chain. From the perspective of how Africa should deal with the difficulties in the development process of the free trade area, this paper discusses how the development strategy and strategy of the free trade area on the African continent can help its stable development from the aspects of the construction of the free trade area on the African continent should learn from China's experience, promote the development of African port economy, help the development of agriculture and industrialization in Africa, increase and improve the investment in infrastructure, and connect the development of urbanization in Africa.
subject: Articles
  topic: section
subject: African Continental Free Trade Area
  topic: keywords
subject: Port Economy
  topic: keywords
subject: Africa's Industrialization Development
  topic: keywords
creator: Li Yang
creator: Dong Shaoxuan
rights: Copyright (c) 2024 Journal of Economics & Management Research
date: 2024-06-10
publication date: 2024-06-10
starting page: 1
ending page: 5
doi: 10.47363/JESMR/2024(5)241.

Building a Tariff-Proof Economy: Ecosystem Rules for A Sustainable Economic Future
type: item
description: Humanity suffered a wide range of health concerns until we gained understanding of the inner-workings of the human body, and the nature of pathogens that threaten it. We lack an equivalent understanding of our economy, leaving many nations vulnerable to supply chain disruptions, volatile energy markets, declines in soil fertility, shifting global trade policy, and a litany of other social and environmental challenges. These challenges will likely remain unresolved until we address the economic flaws responsible for their creation. Drawing from thirty years of research and practice in business, economics, and ecology, this seminar outlines three foundational components governing sustainable, tariff-proof, economies—diversity, energy, and trade. The identification of these foundational (governing) components, and the dynamic relationships between them, is the central theme of this talk. This talk presents a fresh perspective on the structure of a sustainable economy, as well as traditional and nontraditional measures of economic productivity, the role of economic succession in stimulating productivity, an ecological explanation of the wealth gap, and the natural geography of a sustainable economy. Rather than perceive tariffs and volatile energy markets as threats, how might nations navigate around such forces while increasing GDP and resilience. The talk closes with a path for economic restoration, with case studies from the U.S., Ecuador, Sri Lanka, Italy, and elsewhere. Policy implications are provided for national and local levels. To guide the public’s attention and resources toward building a sustainable economy, and to catalyze change, the structure of a sustainable economy must first be understood. And the paths toward economic restoration must be clearly visible.
subject: Articles
  topic: section
creator: John H Giordanengo
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)12

Advancing Scalable and Secure AI Systems: A Decade of Innovation in AI Infrastructure, MLOps, and Data EngineeringSafeguarding Financial Data
type: item
description: An AI and MLOps innovator with a decade of experience in designing and deploying scalable, secure, and intelligent AI-driven systems. This work focuses on pioneering advancements in AI infrastructure, MLOps automation, and cloud-scale data platforms that empower organizations to operationalize machine learning with efficiency and confidence. With a strong foundation in data engineering, the approach emphasizes building end-to-end pipelines that ensure data integrity, model reproducibility, and seamless deployment. Key contributions include the integration of robust CI/CD frameworks for ML, scalable data ingestion and processing architectures, and governance mechanisms to support compliance and security. This journey reflects a commitment to driving the next generation of intelligent systems by aligning technological innovation with real-world business outcomes.
subject: Articles
  topic: section
creator: Phanish Lakkarasu
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)11

Comprehensive Guide to Insurance and AAA Membership Benefits: What You Need to Know Safeguarding Financial Data
type: item
description: In today’s fast-paced world, protecting what matters most your family, assets, and peace of mind is more important than ever. From auto and home insurance to specialized coverage like RV, boat, and event insurance, understanding your options is key to making informed decisions. This guide also explores the valuable perks of AAA membership, including roadside assistance, travel services, and exclusive discounts. Whether you’re securing your future with life insurance or planning for the unexpected with long-term care and annuities, this comprehensive overview breaks down the essentials to help you stay protected and prepared.
subject: Articles
  topic: section
creator: Sneha Singireddy
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)10

Transforming the Automotive Industry: From Manufacturing and Mobility to AI, Cloud, and Sustainable SolutionsSafeguarding Financial Data
type: item
description: The automotive industry is undergoing a profound transformation driven by rapid advancements in technology, evolving consumer expectations, and increasing pressure for environmental sustainability. This paper explores the comprehensive evolution of the sector, encompassing vehicle manufacturing and distribution, Research & Development (R&D), sales and marketing, and financial services. It delves into the integration of connected services and next-generation mobility solutions, such as ride-sharing and autonomous driving. A key focus is placed on the role of emerging technologies Artificial Intelligence (AI), Machine Learning (ML), data engineering, and cloud computing platforms like AWS and Azure in revolutionizing automotive operations. These technologies are enabling predictive maintenance through “engine heartbeat” monitoring, enhancing customer engagement, optimizing supply chains, and accelerating innovation cycles. Additionally, the paper highlights environmental sustainability initiatives, examining how automakers are leveraging digital tools and green technologies to reduce emissions, improve energy efficiency, and meet global regulatory standards. By analyzing the convergence of traditional automotive practices with cutting-edge digital ecosystems, this paper provides a strategic overview of how the industry is reshaping itself for a smarter, more connected, and sustainable future.
subject: Articles
  topic: section
creator: Anil Lokesh Gadi
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)9

AI-Enhanced Chatbots for Real-Time Symptom Analysis and Triage in Telehealth Services Safeguarding Financial Data
type: item
description: AI-enhanced chatbots are transforming telehealth services by enabling real-time symptom analysis and automated patient triage. Traditional healthcare systems often face challenges such as long wait times, resource constraints, and accessibility barriers. AI-driven chatbots leverage Natural Language Processing (NLP) and Machine Learning (ML) to analyze patient symptoms, assess risk levels, and provide preliminary medical guidance. These intelligent systems enhance telehealth by streamlining patient intake, prioritizing urgent cases, and reducing the burden on healthcare providers. Additionally, chatbot-driven triage improves patient engagement, ensures timely interventions, and facilitates remote healthcare access. However, challenges such as diagnostic accuracy, data privacy, and regulatory compliance must be addressed to ensure ethical and effective deployment. This study explores the capabilities, benefits, and limitations of AI-powered chatbots in telehealth, highlighting their potential to improve efficiency, accessibility, and patient outcomes in modern healthcare ecosystems.
subject: Articles
  topic: section
creator: Venkata Krishna Azith Teja Ganti
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)8

The Role of Business Interruption Insurance in Economic Resilience: A Post-Pandemic Analysis of Policyholder Compensation and Legal ChallengesSafeguarding Financial Data
type: item
description: Business Interruption (BI) insurance plays a critical role in economic resilience by providing financial protection to businesses facing operational disruptions. This study examines the effectiveness of BI insurance in compensating policyholders during crises, with a focus on post-pandemic recovery. It analyses key challenges, including ambiguities in policy coverage, legal disputes over pandemic-related claims, and the role of government interventions in supporting affected businesses. The research explores how insurers and policymakers can enhance BI insurance frameworks to improve risk assessment, policy clarity, and claims processing. Additionally, emerging solutions such as parametric insurance models and AI-driven risk analytics are discussed to address future economic uncertainties. By evaluating the lessons learned from the COVID-19 pandemic, this study provides insights into strengthening BI insurance as a tool for fostering economic stability and business continuity in the face of global disruptions.
subject: Articles
  topic: section
creator: Lahari Pandiri
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)7

AI-Driven Treasury Management: Reinforcement Learning Models for Liquidity Optimization and Fraud Prevention in Large-Scale Financial Institutions
type: item
description: AI-driven treasury management is transforming financial institutions by leveraging reinforcement learning models to optimize liquidity and enhance fraud prevention. This study explores how AI-powered algorithms analyze real-time financial data, predict cash flow trends, and dynamically allocate liquidity to maximize capital efficiency. Reinforcement learning enables adaptive decision-making, allowing treasury systems to respond proactively to market fluctuations, interest rate changes, and regulatory requirements. Additionally, AI-driven fraud detection mechanisms use anomaly detection and predictive analytics to identify suspicious transactions, mitigate risks, and strengthen financial security. The research highlights key challenges, including data privacy, model interpretability, and integration with legacy financial systems, while proposing strategies to enhance AI adoption in treasury management. By combining reinforcement learning with big data and cloud computing, large-scale financial institutions can achieve greater operational resilience, improved risk management, and a more agile approach to liquidity optimization and fraud prevention.
subject: Articles
  topic: section
creator: Srinivasarao Paleti
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)6

The Future of Digital Financial Security: Integrating AI, Cloud, and Big Data for Fraud Prevention and RealTime Transaction Monitoring in Payment Systems Safeguarding Financial Data
type: item
description: The rapid evolution of digital payment systems has heightened the need for advanced security measures to combat financial fraud and ensure real-time transaction monitoring. This study explores the integration of Artificial Intelligence (AI), cloud computing, and big data analytics in enhancing digital financial security. AI-driven fraud detection models leverage machine learning algorithms to identify suspicious patterns, mitigate risks, and automate threat response mechanisms. Cloud computing provides scalable infrastructure for secure data processing, enabling seamless real-time transaction monitoring and fraud prevention. Big data analytics enhances predictive modelling, allowing financial institutions to detect emerging fraud trends and adapt security protocols dynamically. Additionally, this research examines challenges such as data privacy, regulatory compliance, and adversarial AI risks while proposing strategies for strengthening financial cybersecurity. By integrating AI, cloud, and big data, the future of digital financial security promises greater transparency, resilience, and consumer protection in an increasingly digital economy.
subject: Articles
  topic: section
creator: Jai Kiran Reddy Burugulla
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)5

AI-Driven Identity Protection: The Intersection of Gen AI, Credit Monitoring, and Fraud Alerts in Safeguarding Financial Data
type: item
description: As financial fraud and identity theft threats continue to rise, AI-driven solutions are becoming essential for safeguarding financial data. This study explores the intersection of Generative AI (Gen AI), credit monitoring, and fraud alerts in enhancing identity protection. AI-powered models analyze vast datasets in real time to detect anomalies, predict fraudulent activities, and automate rapid response mechanisms. By leveraging Gen AI, financial institutions can improve authentication processes, personalize fraud prevention strategies, and enhance anomaly detection through adaptive learning. Additionally, AI-driven credit monitoring systems offer proactive alerts, enabling consumers to take preventive action against potential breaches. This research also examines challenges such as data privacy, ethical AI implementation, and the risk of adversarial attacks. By integrating AI with financial security frameworks, organizations can strengthen consumer trust, mitigate financial risks, and establish a more resilient, data-driven approach to identity protection.
subject: Articles
  topic: section
creator: Avinash Pamisetty
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)4

Analyzing Behavioral Trends in Credit Card Fraud Patterns: Leveraging Federated Learning and Privacy-Preserving Artificial Intelligence Frameworks
type: item
description: As credit card fraud becomes increasingly sophisticated, financial institutions must adopt advanced security measures to detect and prevent fraudulent activities while ensuring user privacy. This study explores the use of Federated Learning (FL) and privacy-preserving Artificial Intelligence (AI) frameworks to analyse behavioural trends in credit card fraud patterns. By leveraging FL, financial institutions can train AI models collaboratively across decentralized datasets without exposing sensitive customer information. Machine learning algorithms detect anomalies, predict fraud attempts, and adapt to emerging attack strategies in real time. Additionally, privacy-preserving AI techniques such as differential privacy and homomorphic encryption enhance data security while maintaining model accuracy. This research also examines challenges related to scalability, computational efficiency, and regulatory compliance in implementing FL-based fraud detection systems. By integrating AI-driven fraud analysis with privacy-preserving technologies, financial institutions can improve fraud prevention strategies, strengthen cybersecurity, and enhance consumer trust in digital transactions.
subject: Articles
  topic: section
creator: Lakshminarayana Reddy Kothapalli Sondinti
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)3

Transformative Applications of Generative AI in Socially Responsible Financial Models: A Machine Learning Perspective
type: item
description: Generative AI is redefining socially responsible financial models by enhancing decision-making, risk assessment, and financial inclusion. This study explores the transformative applications of Generative AI in developing ethical, transparent, and sustainable financial systems from a machine learning perspective. Traditional financial models often struggle with biases, inefficiencies, and limited adaptability to dynamic economic conditions. By leveraging Generative AI, institutions can create predictive models for impact investing, fraud detection, credit risk evaluation, and financial forecasting, ensuring fairer and more inclusive financial practices. Additionally, AI-driven simulations enable scenario analysis for sustainable investments, helping organizations align with Environmental, Social and Governance (ESG) goals. However, challenges such as algorithmic bias, data privacy, and regulatory compliance remain critical considerations. This paper examines the potential and limitations of Generative AI in fostering ethical finance, emphasizing the need for responsible AI deployment to enhance transparency, efficiency, and accessibility in financial systems.
subject: Articles
  topic: section
creator: Murali Malempati
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)2

Photonic Data Centers: Advancing Energy Efficiency and Speed in Next-Generation Cloud Infrastructure
type: item
description: The growing demand for high-performance cloud computing has intensified the need for faster, more energy-efficient data centres. Photonic data centres, leveraging optical computing and fibre-optic communication, offer a transformative solution by significantly reducing energy consumption while increasing data transmission speeds. Unlike traditional electronic-based data centres, photonic architectures minimize latency, heat dissipation, and power usage, making them ideal for scalable and sustainable cloud infrastructure. This paper explores the role of silicon photonics, optical interconnects, and quantum photonic processors in enhancing computational efficiency, bandwidth, and AI-driven workloads. Additionally, we address challenges such as integration complexities, cost constraints, and the need for new optical networking protocols. As the demand for AI, big data, and real-time analytics grows, photonic data centres emerge as a key enabler of next-generation cloud computing, driving innovation toward ultra-fast, low-power, and environmentally sustainable digital infrastructure.
subject: Articles
  topic: section
creator: Ravi Kumar Vankayalapati
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-05-08
publication date: 2025-05-08
starting page: 1
ending page: 1
doi: 10.47363/JESMR/ICEMDG2025/2025(6)1

The Impact of Geopolitical Tensions and The Divergent Trajectories of Monetary Policies
type: item
description: This article analyzes the impact of geopolitical tensions and divergent monetary policy trajectories over the period 2010-2024. Using an econometric framework, the study shows that these geopolitical tensions exert both upward and downward pressure on policy rates, reflecting an active adaptation of monetary policies to external shocks in a context of increasing uncertainty. These responses can be interpreted as preventive measures against inflationary risks or as a signal of caution. However, the results reveal significant heterogeneity between countries, reflecting divergent monetary policy trajectories shaped by the specific institutional, economic, and political characteristics of each state. Although the explanatory power of the model remains moderate, the study's conclusions offer valuable insights for policymakers and international institutions facing an increasingly unstable geopolitical environment.
subject: Articles
  topic: section
subject: Geopolitical Tensions
  topic: keywords
subject: Diverging Trajectories
  topic: keywords
subject: Monetary Policy
  topic: keywords
subject: External Shocks
  topic: keywords
subject: Increasing Uncertainty
  topic: keywords
subject: The Global Economy
  topic: keywords
creator: Esdras E AUGA
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-02-27
publication date: 2026-02-27
starting page: 1
ending page: 11
doi: 10.47363/JESMR/2026(7)324

Artificial Intelligence and the Transformation of the Growth Employment Nexus: An Empirical Reappraisal of Okun’s Law
type: item
description: This paper examines the impact of artificial intelligence (AI) and technological progress on the relationship between economic growth and unemployment, traditionally described by Okun’s law. Using panel data for 11 developed countries over the period 2000–2024, the analysis relies on fixed-effects models and dynamic specifications estimated through the System Generalized Method of Moments (System-GMM). Technological intensity is proxied by an information and communication technology (ICT) index, and an interaction term is introduced to assess its moderating role in the growth–employment relationship. The results confirm the short-run validity of Okun’s law, as economic growth exerts a negative and statistically significant effect on changes in unemployment. However, technological intensity has a positive direct effect on unemployment and weakens the ability of growth to reduce unemployment, suggesting adjustment costs related to automation. Overall, the findings point to a structural transformation of the growth–employment nexus and highlight the need for active policies in skills development and labor market adjustment to ensure more inclusive growth.
subject: Articles
  topic: section
subject: Artificial Intelligence
  topic: keywords
subject: Economic Growth
  topic: keywords
subject: Unemployment
  topic: keywords
subject: Okun’s Law, Automation
  topic: keywords
creator: Christ Kahambwe
creator: Christian Aidini
creator: Alexandre E Loemba
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-02-21
publication date: 2026-02-21
starting page: 1
ending page: 14
doi: 10.47363/JESMR/2026(7)321

Empowering Change from the Ground Up: Women’s Entrepreneurship in Sub-Saharan Africa’s Informal Sector
type: item
description: Women’s entrepreneurship in Sub-Saharan Africa (SSA) is a critical driver of socio-economic development, within the informal sector where women enterprises are concentrated. Despite substantial contributions, structural and institutional barriers impede the formalization of these businesses, curbing their economic impact. This study examines how women entrepreneurs in Ghana and SSA navigate informal practices to achieve economic mobility. Employing a systematic literature review - PRISMA framework, the research synthesizes key themes including entrepreneurial capacity, sustainability, intellectual property, and institutional support. A comparative lens incorporating Rwanda and South Africa reveals Ghana’s high rate of female entrepreneurship, predominance of informal trade, and socio-cultural dynamics that shape entrepreneurial trajectories. The study advances discourse on informal entrepreneurship by highlighting its necessity-driven nature and underscoring the pivotal role of policy environments in facilitating formalization. The findings offer actionable insights for policymakers and development practitioners aiming to strengthen support systems and promote inclusive economic growth across the region.
subject: Articles
  topic: section
subject: Women Entrepreneurship
  topic: keywords
subject: Informal Sector
  topic: keywords
subject: SSA
  topic: keywords
subject: Ghana
  topic: keywords
creator: Rita Abban
creator: Esi A Elliot
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-01-30
publication date: 2026-01-30
starting page: 1
ending page: 11
doi: 10.47363/JESMR/2026(7)319

Artificial Intelligence and the Global Bioeconomy-Optimizing the International Competitiveness of Plant-Based Bioproducts
type: item
description: The global bioeconomy is undergoing a profound transformation, with plant-based bioproducts emerging as key drivers of sustainable development and international trade. As demonstrate, the circular bioeconomy represents a market opportunity exceeding $400 billion, where artificial intelligence (AI) serves as a critical enabler for value chain optimization and market integration.
subject: Articles
  topic: section
subject: Artificial Intelligence
  topic: keywords
subject: Global Bioeconomy
  topic: keywords
subject: Plant-Based Bioproducts
  topic: keywords
creator: GUO Yuanjia
rights: Copyright (c) 2026 Journal of Economics & Management Research
date: 2026-01-15
publication date: 2026-01-15
starting page: 1
ending page: 4
doi: 10.47363/JESMR/2026(7)318

Positionless Marketing Theory, Positionless Marketing Strategy and Positionless Marketing Principles
type: item
description: The term Positionless Marketing was first coined by Saurav Kumar in his researches on marketing and consumer behaviour particularly based on artificial intelligence. The Marketing has evolved beyond static roles and siloed teams. In today’s hyper-dynamic environment, customer expectations demand more: speed, relevance, empathy, and personalization. That is where the Positionless Marketer thrives. Enabled by Positionless Marketing, modern marketers are no longer confined to the limitations of marketing assembly lines. They can now execute any marketing task instantly and independently, from audience segmentation to campaign creation to performance optimization. While this shift is powered by AI, automation, and real-time data, the underlying success still depends on one thing: understanding people. This is where Dale Carnegie’s timeless book: “How to Win Friends & Influence People,” published in 1936, becomes surprisingly modern. With more than 30 million copies sold, Carnegie’s principles remain essential for anyone trying to build meaningful relationships, including marketers. At its core, Positionless Marketing is about just that: forging genuine, personal connections at scale. Research Objective: How the core habits from Carnegie’s classic, map directly to the practice of Positionless Marketing and provides Positionless marketing theory, Positionless marketing strategy and Positionless marketing principles. Research Methodology: The study explains by using Dale Carnegie’s habits how positionless marketing can be emphasized and provides Positionless marketing theory, Positionless marketing strategy and Positionless marketing principles. Originality Value: The research first to foster a unique way of explaining the positionless marketing.
subject: Articles
  topic: section
subject: Positionless Marketing Theory
  topic: keywords
subject: Positionless Marketing Strategy
  topic: keywords
subject: Positionless Marketing Principles
  topic: keywords
creator: Saurav Kumar
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-12-31
publication date: 2025-12-31
starting page: 1
ending page: 8
doi: 10.47363/JESMR/2025(6)320

Financial Time Series: Adaptive Forecasting Frameworks
type: item
description: This paper analyzes various machine learning techniques applied to complex financial time series data for predictive analytics. It details essential data preprocessing and feature engineering, followed by a comparative evaluation of diverse algorithms, highlighting their effectiveness in dynamic market forecasting. The iterative evaluation process demonstrates a robust modeling feedback mechanism crucial for optimizing predictive accuracy in volatile environments. This work provides insights valuable for advancing Business with AI strategies, particularly in financial decision-making and risk management.
subject: Articles
  topic: section
subject: Financial time series
  topic: keywords
subject: exhibit non-linear
  topic: keywords
subject: ARIMA and GARCH
  topic: keywords
creator: Pranavi Reddy
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-12-09
publication date: 2025-12-09
starting page: 1
ending page: 6
doi: 10.47363/JESMR/2025(6)315

Economic Vulnerability, Land Use Planning and Human Capital in the West African Economic and Monetary Union (WAEMU): Analysis based on PASEC Data
type: item
description: This article examines the factors that influence the human capital of primary school students in six WAEMU countries, considering both the economic vulnerability of households and land use planning. Drawing on theories of human capital, intergenerational poverty, and educational resilience, it uses PASEC 2019 data and adopts a three-level multilevel model supplemented by a binary logit model to analyze factors of educational resilience. The results show that economic vulnerability significantly reduces human capital, while better spatial planning and favorable educational practices (preschool education, interest in reading, urban or private schooling) strengthen it. The study highlights the importance of an integrated approach combining social, educational, and territorial policies to reduce educational inequalities and strengthen human capital in the WAEMU region.
subject: Articles
  topic: section
subject: Human Capital
  topic: keywords
subject: Economic Vulnerability
  topic: keywords
subject: School Infrastructure
  topic: keywords
subject: Educational Resilience
  topic: keywords
subject: WAEMU
  topic: keywords
subject: Primary Education
  topic: keywords
creator: Agbessi Augustin DOTO
creator: Koffi Charles SAGBO
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-12-08
publication date: 2025-12-08
starting page: 1
ending page: 7
doi: 10.47363/JESMR/2025(6)314

Exploring Financial Motives for Earnings Management in the Economic Crisis. Evidence from Greek and German Listed Companies
type: item
description: The study examines the impact of economic crisis and focuses on the reasons for cases of earnings management. More specifically, it analyses whether executive compensation, analysts’ forecasts and violation of debt covenants are important motives for accounting fraud. It also examines whether voluntary disclosure of financial information could improve the quality of financial information or confuse investors. The paper examines listed companies in the Greek and German stock markets from 2007 to 2009 to find out how these two economies reacted after the introduction of IFRS. Thus, it would be interesting to find out whether Germany, a strong EU economy, was able to eliminate earnings management motives, as most would predict, while also examining whether Greece, a weak economy, was able to achieve similar results. The results of the study provide useful insights as they confirm that companies that provide additional accounting disclosures perform better in both countries. However, the remaining results suggest that credit covenant violations, executive compensation and bonuses, and analyst forecasts remain strong motivators for earnings management in both countries studied. In this order, it seems that IFRS need to introduce and maintain improved mechanisms to overcome such phenomena.
subject: Articles
  topic: section
subject: IFRS
  topic: keywords
subject: Earnings Management
  topic: keywords
subject: Executives Compensation
  topic: keywords
subject: Debt Covenants
  topic: keywords
subject: Analysts’ Forecasts
  topic: keywords
subject: Volunteer Accounting Disclosure
  topic: keywords
creator: Sotirios Rouvolis
rights: Copyright (c) 2024 Journal of Economics & Management Research
date: 2024-12-10
publication date: 2024-12-10
starting page: 1
ending page: 17
doi: 10.47363/JESMR/2024(5)260

The Ethical Implications of Artificial Intelligence in Decision-Making: Balancing Innovation with Accountability and Integrity
type: item
description: As Artificial Intelligence (AI) technologies become increasingly embedded in critical organizational decision-making processes, questions of ethics, accountability, and integrity have risen to the forefront of academic and industry discourse. This study investigates the ethical implications of AI in decisionmaking, with a specific focus on how organizations can balance technological innovation with moral responsibility and regulatory accountability. Guided by an integrated theoretical framework that combines Ethical Decision-Making Theory, Stakeholder Theory, the Technology Acceptance Model (TAM), and the Responsible Innovation Framework, this research provides a multidimensional perspective on AI ethics in practice. A quantitative research methodology was employed, gathering data from 395 stakeholders including AI developers, corporate leaders, ethics compliance officers, public regulators, data scientists, and end-users across sectors such as finance, healthcare, education, and government services. The study examines stakeholder perceptions on key ethical dimensions of AI implementation—algorithmic transparency, data privacy, bias mitigation, informed consent, accountability mechanisms, and the inclusiveness of AI design. A structured survey instrument was used to assess how these variables influence organizational trust, adoption willingness, and public acceptance of AI-driven decisions. The findings are expected to demonstrate that organizations that embed ethical safeguards and transparent governance frameworks within their AI systems can significantly enhance stakeholder trust, user engagement, and regulatory compliance. The study also highlights critical challenges, including the opacity of black-box algorithms, the absence of global ethical standards, the underrepresentation of marginalized groups in algorithmic training data, and the tensions between innovation speed and ethical reflection. Additionally, it explores how external institutional pressures—such…
subject: Articles
  topic: section
subject: Artificial Intelligence
  topic: keywords
subject: Ethical Decision-Making
  topic: keywords
subject: Algorithmic Accountability
  topic: keywords
subject: Innovation Governance
  topic: keywords
subject: Transparency
  topic: keywords
subject: Bias Mitigation
  topic: keywords
subject: Data Ethics
  topic: keywords
subject: Stakeholder Theory
  topic: keywords
subject: Responsible Innovation
  topic: keywords
subject: Technology Acceptance Model
  topic: keywords
subject: Quantitative Research
  topic: keywords
subject: Integrity in AI
  topic: keywords
subject: Regulatory Compliance
  topic: keywords
subject: Human-Centered AI
  topic: keywords
subject: Institutional Pressures
  topic: keywords
subject: Trust in AI Systems
  topic: keywords
creator: Shankar Subramanian Iyer
creator: Raman Subramanian
creator: Brinitha Raji
creator: Rajesh Arora
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-10-09
publication date: 2025-10-09
starting page: 1
ending page: 11
doi: 10.47363/JESMR/2025(6)305

Circular Organization of Economic Processes Symmetric Model of Economic Equilibrium
type: item
description: On the basis of dialectical analysis of basic economic categories a new understanding of economic value, price formation and general equilibrium has been proposed. Market economy appears as the form of a complex, non-linear, functionally closed and causally open system of economic actions. Such systems have a number of unique properties that are well studied by second-order cybernetics. The self-organization of a market economy is carried out through the recursive processes. Recursive processes in the economic system, as well as in other complex nonlinear dynamical systems, generate "eigenvalues" ("fixed points"). These "eigenvalues" are the equilibrium prices and quantities of goods to which through the recursive processes tend the actual prices and quantities, thus providing a tendency to the general equilibrium. However, due to constant influence on the system of random external factors, the general equilibrium is never achieved. On the base of created model the hidden relationships among the gross profit, gross saving, gross investment and gross consumption in debt, as well as the relationships among the other economic parameters are revealed. "Circularity is not a flaw but a feature. It transforms a vicious circle into a creative one." Heinz von Foerster "The whole is greater than the sum of its parts. Systemic properties are emergent and cannot be predicted from the properties of individual components." Ludwig von Bertalanffy "Production is also immediately consumption, consumption is also immediately production." Karl Marx
subject: Articles
  topic: section
subject: economic equilibrium
  topic: keywords
subject: natural sciences
  topic: keywords
creator: Paata Leiashvily
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-10-15
publication date: 2025-10-15
starting page: 1
ending page: 9
doi: 10.47363/JESMR/2025(6)306

Inherited Family Trauma Model and Its Application in Jesmyn Ward's Sing, Unburied, Sing
type: item
description: Jesmyn Ward’s Sing, Unburied, Sing is a polyvocal narrative that touches on death, institutional racism and multi-generational trauma. The novel explores the trials and tribulations of a broken Mississippi family through the perspective of a twelve year old boy named Jojo, his mother Leonie, and a ghost by the name of Richie. Inherited family trauma is at the forefront of this novel as it unveils the effects of slavery and how stress factors and behavioral responses translate across generations.
subject: Articles
  topic: section
subject: Jesmyn Ward’s Sing
  topic: keywords
subject: translate
  topic: keywords
creator: Alexandra Tangarife
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-10-21
publication date: 2025-10-21
starting page: 1
ending page: 2
doi: 10.47363/JESMR/2025(6)307

Research on Development of Software Industry and Intelligent Industry in Taiyuan City
type: item
description: This research report focuses on the theme of development of software industry and intelligent industry in Taiyuan City. Through on-site inspections of local enterprises in Taiyuan and demonstration parks and innovation bases in advanced areas such as Beijing, Suzhou, Wuxi, and Nanjing, the current situation, existing problems, and future paths of software and intelligent industry development in Taiyuan City are analyzed. The report points out that Taiyuan City has achieved certain results in policy support, infrastructure, and talent cultivation, but compared with developed areas, there are still problems such as incomplete industrial ecology, small enterprise scale, insufficient cross-border integration, and talent shortage. To this end, the report proposes suggestions such as strengthening top-level design, optimizing industrial layout, focusing on key areas (such as artificial intelligence and industrial software), and improving element guarantee. It also draws on the experience of Suzhou Nano city, Wuxi Xue Lang Town, Nanjing Software Valley, etc., to provide feasible solutions for Taiyuan to build a new highland for the development of software and intelligent industries in the central region.
subject: Articles
  topic: section
subject: Software Industry Upgrading
  topic: keywords
subject: Intelligent Industry
  topic: keywords
subject: Digital Economy
  topic: keywords
subject: Artificial Intelligence
  topic: keywords
subject: Industrial Software
  topic: keywords
creator: Zhiheng Ren
rights: Copyright (c) 2025 Journal of Economics & Management Research
date: 2025-09-15
publication date: 2025-09-15
starting page: 1
ending page: 4
doi: 10.47363/JESMR/2025(6)323