Fintech Innovation And IT Infrastructure: Business Implications For Financial Inclusion And Digital Payment Systems
Keywords:
FinTech Innovation, IT Infrastructure, Financial InclusionAbstract
This paper explores how FinTech innovations and IT infrastructure can support financial inclusion and improve digital payment systems. Using recent global data - such as India Unified Payments Interface (UPI) which recorded 19.47billion transactions worth 25.08trillion (~USD 293 billion) in July 2025 and the World Bank Findex metrics which show account ownership in developing economies increased in 2022 (71%) compared to 2011 (42%). This paper uses a data-driven mixed-methods design. Quantitative analysis makes use of cross-country time-series data by regressing IT infrastructure readiness (including mobile broadband access indicators, digital public infrastructure measures) on digital payment adoption and financial inclusion indicators. The qualitative insights are based on the case studies of India Stack (including UPI) in India and Africa, which is fast growing in its digital payment ecosystem. Based on key findings, there was a statistically significant positive correlation between the quality of IT infrastructure and the magnitude of digital payment adoption- particularly in ecosystems with digital public infrastructures such as the UPI. This synergy has been able to catalyze quantifiable increases in account penetration and transaction volumes especially to underserved populations. The originality of the study is that all of the technological infrastructure, empirical modeling, and business ramifications were combined in order to shed light on the ways of sustainable financial inclusion. Potential implications of the findings to FinTech firms include strategic application of platform-based models to operate with robust infrastructure, whereas, suggestions to policy-makers include investment in open and interoperable systems and the promotion of regulatory frameworks to support scalable and inclusive digital financial ecosystems.
References
Alliance for Financial Inclusion. (2023). Policy framework for digital financial inclusion. https://www.afi-global.org
Aker, J. C., & Mbiti, I. M. (2010). Mobile phones and economic development in Africa. Journal of Economic Perspectives, 24(3), 207-232. https://doi.org/10.1257/jep.24.3.207
Arner, D. W., Buckley, R. P., Zetzsche, D. A., & Veidt, R. (2020). Sustainability, FinTech and financial inclusion. Stanford Journal of Blockchain Law & Policy, 3(1), 1-20.
Asongu, S. A. (2022). The dark side of digital financial transformation. Technological Forecasting and Social Change, 180, 121642. https://doi.org/10.1016/j.techfore.2022.121642
Asongu, S. A., & Nwachukwu, J. C. (2018). ICT, financial access and human development in Sub-Saharan Africa. Telecommunications Policy, 42(4), 284-298. https://doi.org/10.1016/j.telpol.2017.12.005
Bank for International Settlements. (2023). Annual economic report. https://www.bis.org
Bank for International Settlements Innovation Hub. (2023). Project Nexus: Phase III findings. https://www.bis.org
Bank of England. (2023). Financial stability report. https://www.bankofengland.co.uk
Beck, T., Pamuk, H., Ramrattan, R., & Uras, B. R. (2020). Payment instruments, finance and development. Review of Finance, 24(4), 753-798. https://doi.org/10.1093/rof/rfz019
Brookings Institution. (2022). India's JAM trinity: Lessons for digital financial inclusion. https://www.brookings.edu
Cambridge Centre for Alternative Finance. (2022). Global benchmarking study of FinTech regulation. https://www.jbs.cam.ac.uk
Central Bank of Bahamas. (2022). Sand Dollar digital currency pilot report. https://www.centralbankbahamas.com
Central Bank of Brazil. (2023). Pix instant payment system statistics. https://www.bcb.gov.br
Claessens, S., Frost, J., Turner, G., & Zhu, F. (2021). FinTech credit markets around the world. Journal of Financial Stability, 53, 100797. https://doi.org/10.1016/j.jfs.2020.100797
Cull, R., Ehrbeck, T., & Holle, N. (2021). Financial inclusion and development: Recent impact evidence. World Bank Policy Research Working Paper 9713.
Demirgüç-Kunt, A., Klapper, L., Singer, D., & Ansar, S. (2020). The Global Findex Database 2017: Measuring financial inclusion. Journal of Financial Economics, 138(1), 1-25. https://doi.org/10.1016/j.jfineco.2020.07.004
European Central Bank. (2023). Digital euro report. https://www.ecb.europa.eu
Financial Stability Board. (2023). FinTech and market structure in financial services. https://www.fsb.org
Gates Foundation. (2021). Level One Project principles. https://www.gatesfoundation.org
Global System for Mobile Communications Association. (2023). Mobile connectivity index. https://www.gsma.com
Gomber, P., Koch, J.-A., & Siering, M. (2018). Digital finance and FinTech. Journal of Business Economics, 88(5), 537-580. https://doi.org/10.1007/s11573-018-0902-z
Goswami, S., & Raghavendra, S. (2023). India Stack and financial inclusion. National Institute of Public Finance and Policy Working Paper 356.
International Monetary Fund. (2023). FinTech and financial services. IMF Staff Discussion Note SDN/23/02.
International Monetary Fund. (2023). World economic outlook. https://www.imf.org
International Telecommunication Union. (2021). Digital regulation handbook. https://www.itu.int
Kshetri, N. (2021). Blockchain and sustainable growth. Journal of Business Research, 131, 139-145. https://doi.org/10.1016/j.jbusres.2021.03.060
Muthinja, M. M., & Chipeta, C. (2018). What drives mobile money adoption? Telematics and Informatics, 35(5), 1247-1260. https://doi.org/10.1016/j.tele.2018.02.008
Ozili, P. K. (2022). Financial inclusion and FinTech. Journal of Banking Regulation, 23(3), 296-315. https://doi.org/10.1057/s41261-021-00171-3
Parker, G. G., Van Alstyne, M. W., & Choudary, S. P. (2020). Platform revolution. Harvard Business Review, 98(2), 94-101.
Rau, P. R. (2022). Law, trust, and the development of crowdfunding. Journal of Financial Economics, 143(3), 1281-1304. https://doi.org/10.1016/j.jfineco.2021.09.003
Reserve Bank of India. (2025). Unified Payments Interface statistics. https://www.rbi.org.in
Sahay, R., Ulric, E. S. M., & Amina, L. (2020). FinTech and financial inclusion. IMF Working Paper WP/20/49.
Suri, T., & Jack, W. (2016). The long-run poverty impacts of mobile money. Science, 354(6317), 1288-1292. https://doi.org/10.1126/science.aah5309
United Nations. (2020). Roadmap for digital cooperation. https://www.un.org
World Bank. (2021). Global Findex database. https://www.worldbank.org
World Bank. (2022). Identification for Development annual report. https://id4d.worldbank.org
World Bank. (2023). Digital development practice paper. https://www.worldbank.org
World Economic Forum. (2023). Future of FinTech report. https://www.weforum.org
World Bank Group. (2021). Financial inclusion and consumer protection. https://www.worldbank.org
Financial Stability Institute. (2022). Quantum computing and financial stability. https://www.bis.org/fsi
Artificial Intelligence and Machine Learning as Business Tools: A Framework for Diagnosing Value Destruction Potential - Md Nadil Khan, Tanvirahmedshuvo, Md Risalat Hossain Ontor, Nahid Khan, Ashequr Rahman - IJFMR Volume 6, Issue 1, January-February 2024. https://doi.org/10.36948/ijfmr.2024.v06i01.23680
Enhancing Business Sustainability Through the Internet of Things - MD Nadil Khan, Zahidur Rahman, Sufi Sudruddin Chowdhury, Tanvirahmedshuvo, Md Risalat Hossain Ontor, Md Didear Hossen, Nahid Khan, Hamdadur Rahman - IJFMR Volume 6, Issue 1, January-February 2024. https://doi.org/10.36948/ijfmr.2024.v06i01.24118
Real-Time Environmental Monitoring Using Low-Cost Sensors in Smart Cities with IoT - MD Nadil Khan, Zahidur Rahman, Sufi Sudruddin Chowdhury, Tanvirahmedshuvo, Md Risalat Hossain Ontor, Md Didear Hossen, Nahid Khan, Hamdadur Rahman - IJFMR Volume 6, Issue 1, January-February 2024. https://doi.org/10.36948/ijfmr.2024.v06i01.23163
IoT and Data Science Integration for Smart City Solutions - Mohammad Abu Sufian, Shariful Haque, Khaled Al-Samad, Omar Faruq, Mir Abrar Hossain, Tughlok Talukder, Azher Uddin Shayed - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1086
Business Management in an Unstable Economy: Adaptive Strategies and Leadership - Shariful Haque, Mohammad Abu Sufian, Khaled Al-Samad, Omar Faruq, Mir Abrar Hossain, Tughlok Talukder, Azher Uddin Shayed - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1084
The Internet of Things (IoT): Applications, Investments, and Challenges for Enterprises - Md Nadil Khan, Tanvirahmedshuvo, Md Risalat Hossain Ontor, Nahid Khan, Ashequr Rahman - IJFMR Volume 6, Issue 1, January-February 2024. https://doi.org/10.36948/ijfmr.2024.v06i01.22699
Real-Time Health Monitoring with IoT - MD Nadil Khan, Zahidur Rahman, Sufi Sudruddin Chowdhury, Tanvirahmedshuvo, Md Risalat Hossain Ontor, Md Didear Hossen, Nahid Khan, Hamdadur Rahman - IJFMR Volume 6, Issue 1, January-February 2024. https://doi.org/10.36948/ijfmr.2024.v06i01.22751
Strategic Adaptation to Environmental Volatility: Evaluating the Long-Term Outcomes of Business Model Innovation - MD Nadil Khan, Shariful Haque, Kazi Sanwarul Azim, Khaled Al-Samad, A H M Jafor, Md. Aziz, Omar Faruq, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1079
Evaluating the Impact of Business Intelligence Tools on Outcomes and Efficiency Across Business Sectors - MD Nadil Khan, Shariful Haque, Kazi Sanwarul Azim, Khaled Al-Samad, A H M Jafor, Md. Aziz, Omar Faruq, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1080
Analyzing the Impact of Data Analytics on Performance Metrics in SMEs - MD Nadil Khan, Shariful Haque, Kazi Sanwarul Azim, Khaled Al-Samad, A H M Jafor, Md. Aziz, Omar Faruq, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1081
The Evolution of Artificial Intelligence and its Impact on Economic Paradigms in the USA and Globally - MD Nadil khan, Shariful Haque, Kazi Sanwarul Azim, Khaled Al-Samad, A H M Jafor, Md. Aziz, Omar Faruq, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1083
Exploring the Impact of FinTech Innovations on the U.S. and Global Economies - MD Nadil Khan, Shariful Haque, Kazi Sanwarul Azim, Khaled Al-Samad, A H M Jafor, Md. Aziz, Omar Faruq, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1082
Business Innovations in Healthcare: Emerging Models for Sustainable Growth - MD Nadil khan, Zakir Hossain, Sufi Sudruddin Chowdhury, Md. Sohel Rana, Abrar Hossain, MD Habibullah Faisal, SK Ayub Al Wahid, MD Nuruzzaman Pranto - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1093
Impact of IoT on Business Decision-Making: A Predictive Analytics Approach - Zakir Hossain, Sufi Sudruddin Chowdhury, Md. Sohel Rana, Abrar Hossain, MD Habibullah Faisal, SK Ayub Al Wahid, Mohammad Hasnatul Karim - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1092
Security Challenges and Business Opportunities in the IoT Ecosystem - Sufi Sudruddin Chowdhury, Zakir Hossain, Md. Sohel Rana, Abrar Hossain, MD Habibullah Faisal, SK Ayub Al Wahid, Mohammad Hasnatul Karim - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1089
The Impact of Economic Policy Changes on International Trade and Relations - Kazi Sanwarul Azim, A H M Jafor, Mir Abrar Hossain, Azher Uddin Shayed, Nabila Ahmed Nikita, Obyed Ullah Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1098
Privacy and Security Challenges in IoT Deployments - Obyed Ullah Khan, Kazi Sanwarul Azim, A H M Jafor, Azher Uddin Shayed, Mir Abrar Hossain, Nabila Ahmed Nikita - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1099
Digital Transformation in Non-Profit Organizations: Strategies, Challenges, and Successes - Nabila Ahmed Nikita, Kazi Sanwarul Azim, A H M Jafor, Azher Uddin Shayed, Mir Abrar Hossain, Obyed Ullah Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1097
AI and Machine Learning in International Diplomacy and Conflict Resolution - Mir Abrar Hossain, Kazi Sanwarul Azim, A H M Jafor, Azher Uddin Shayed, Nabila Ahmed Nikita, Obyed Ullah Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1095
The Evolution of Cloud Computing & 5G Infrastructure and its Economical Impact in the Global Telecommunication Industry - A H M Jafor, Kazi Sanwarul Azim, Mir Abrar Hossain, Azher Uddin Shayed, Nabila Ahmed Nikita, Obyed Ullah Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1100
Leveraging Blockchain for Transparent and Efficient Supply Chain Management: Business Implications and Case Studies - Ankur Sarkar, S A Mohaiminul Islam, A J M Obaidur Rahman Khan, Tariqul Islam, Rakesh Paul, Md Shadikul Bari - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28492
AI-driven Predictive Analytics for Enhancing Cybersecurity in a Post-pandemic World: a Business Strategy Approach - S A Mohaiminul Islam, Ankur Sarkar, A J M Obaidur Rahman Khan, Tariqul Islam, Rakesh Paul, Md Shadikul Bari - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28493
The Role of Edge Computing in Driving Real-time Personalized Marketing: a Data-driven Business Perspective - Rakesh Paul, S A Mohaiminul Islam, Ankur Sarkar, A J M Obaidur Rahman Khan, Tariqul Islam, Md Shadikul Bari - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28494
Circular Economy Models in Renewable Energy: Technological Innovations and Business Viability - Md Shadikul Bari, S A Mohaiminul Islam, Ankur Sarkar, A J M Obaidur Rahman Khan, Tariqul Islam, Rakesh Paul - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28495
Artificial Intelligence in Fraud Detection and Financial Risk Mitigation: Future Directions and Business Applications - Tariqul Islam, S A Mohaiminul Islam, Ankur Sarkar, A J M Obaidur Rahman Khan, Rakesh Paul, Md Shadikul Bari - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28496
The Integration of AI and Machine Learning in Supply Chain Optimization: Enhancing Efficiency and Reducing Costs - Syed Kamrul Hasan, MD Ariful Islam, Ayesha Islam Asha, Shaya afrin Priya, Nishat Margia Islam - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28075
Cybersecurity in the Age of IoT: Business Strategies for Managing Emerging Threats - Nishat Margia Islam, Syed Kamrul Hasan, MD Ariful Islam, Ayesha Islam Asha, Shaya Afrin Priya - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28076
The Role of Big Data Analytics in Personalized Marketing: Enhancing Consumer Engagement and Business Outcomes - Ayesha Islam Asha, Syed Kamrul Hasan, MD Ariful Islam, Shaya afrin Priya, Nishat Margia Islam - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28077
Sustainable Innovation in Renewable Energy: Business Models and Technological Advances - Shaya Afrin Priya, Syed Kamrul Hasan, Md Ariful Islam, Ayesha Islam Asha, Nishat Margia Islam - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28079
The Impact of Quantum Computing on Financial Risk Management: A Business Perspective - Md Ariful Islam, Syed Kamrul Hasan, Shaya Afrin Priya, Ayesha Islam Asha, Nishat Margia Islam - IJFMR Volume 6, Issue 5, September-October 2024. https://doi.org/10.36948/ijfmr.2024.v06i05.28080
AI-driven Predictive Analytics, Healthcare Outcomes, Cost Reduction, Machine Learning, Patient Monitoring - Sarowar Hossain, Ahasan Ahmed, Umesh Khadka, Shifa Sarkar, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024.
https://doi.org/10.62127/aijmr.2024.v02i05.1104
Blockchain in Supply Chain Management: Enhancing Transparency, Efficiency, and Trust - Nahid Khan, Sarowar Hossain, Umesh Khadka, Shifa Sarkar - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1105
Cyber-Physical Systems and IoT: Transforming Smart Cities for Sustainable Development - Umesh Khadka, Sarowar Hossain, Shifa Sarkar, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1106
Quantum Machine Learning for Advanced Data Processing in Business Analytics: A Path Toward Next-Generation Solutions - Shifa Sarkar, Umesh Khadka, Sarowar Hossain, Nahid Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1107
Optimizing Business Operations through Edge Computing: Advancements in Real-Time Data Processing for the Big Data Era - Nahid Khan, Sarowar Hossain, Umesh Khadka, Shifa Sarkar - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1108
Data Science Techniques for Predictive Analytics in Financial Services - Shariful Haque, Mohammad Abu Sufian, Khaled Al-Samad, Omar Faruq, Mir Abrar Hossain, Tughlok Talukder, Azher Uddin Shayed - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1085
Leveraging IoT for Enhanced Supply Chain Management in Manufacturing - Khaled AlSamad, Mohammad Abu Sufian, Shariful Haque, Omar Faruq, Mir Abrar Hossain, Tughlok Talukder, Azher Uddin Shayed - AIJMR Volume 2, Issue 5, September-October 2024.
https://doi.org/10.62127/aijmr.2024.v02i05.1087 33
AI-Driven Strategies for Enhancing Non-Profit Organizational Impact - Omar Faruq, Shariful Haque, Mohammad Abu Sufian, Khaled Al-Samad, Mir Abrar Hossain, Tughlok Talukder, Azher Uddin Shayed - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i0.1088
Sustainable Business Practices for Economic Instability: A Data-Driven Approach - Azher Uddin Shayed, Kazi Sanwarul Azim, A H M Jafor, Mir Abrar Hossain, Nabila Ahmed Nikita, Obyed Ullah Khan - AIJMR Volume 2, Issue 5, September-October 2024. https://doi.org/10.62127/aijmr.2024.v02i05.1095
Mohammad Majharul Islam, MD Nadil khan, Kirtibhai Desai, MD Mahbub Rabbani, Saif Ahmad, & Esrat Zahan Snigdha. (2025). AI-Powered Business Intelligence in IT: Transforming Data into Strategic Solutions for Enhanced Decision-Making. The American Journal of Engineering and Technology, 7(02), 59–73. https://doi.org/10.37547/tajet/Volume07Issue02-09.
Saif Ahmad, MD Nadil khan, Kirtibhai Desai, Mohammad Majharul Islam, MD Mahbub Rabbani, & Esrat Zahan Snigdha. (2025). Optimizing IT Service Delivery with AI: Enhancing Efficiency Through Predictive Analytics and Intelligent Automation. The American Journal of Engineering and Technology, 7(02), 44–58. https://doi.org/10.37547/tajet/Volume07Issue02-08.
Esrat Zahan Snigdha, MD Nadil khan, Kirtibhai Desai, Mohammad Majharul Islam, MD Mahbub Rabbani, & Saif Ahmad. (2025). AI-Driven Customer Insights in IT Services: A Framework for Personalization and Scalable Solutions. The American Journal of Engineering and Technology, 7(03), 35–49. https://doi.org/10.37547/tajet/Volume07Issue03-04.
MD Mahbub Rabbani, MD Nadil khan, Kirtibhai Desai, Mohammad Majharul Islam, Saif Ahmad, & Esrat Zahan Snigdha. (2025). Human-AI Collaboration in IT Systems Design: A Comprehensive Framework for Intelligent Co-Creation. The American Journal of Engineering and Technology, 7(03), 50–68. https://doi.org/10.37547/tajet/Volume07Issue03-05.
Kirtibhai Desai, MD Nadil khan, Mohammad Majharul Islam, MD Mahbub Rabbani, Saif Ahmad, & Esrat Zahan Snigdha. (2025). Sentiment analysis with ai for it service enhancement: leveraging user feedback for adaptive it solutions. The American Journal of Engineering and Technology, 7(03), 69–87. https://doi.org/10.37547/tajet/Volume07Issue03-06.
Mohammad Tonmoy Jubaear Mehedy, Muhammad Saqib Jalil, MahamSaeed, Abdullah al mamun, Esrat Zahan Snigdha, MD Nadil khan, NahidKhan, & MD Mohaiminul Hasan. (2025). Big Data and Machine Learning inHealthcare: A Business Intelligence Approach for Cost Optimization andService Improvement. The American Journal of Medical Sciences andPharmaceutical Research, 115–135.
https://doi.org/10.37547/tajmspr/Volume07Issue0314.
Maham Saeed, Muhammad Saqib Jalil, Fares Mohammed Dahwal, Mohammad Tonmoy Jubaear Mehedy, Esrat Zahan Snigdha, Abdullah al mamun, & MD Nadil khan. (2025). The Impact of AI on Healthcare Workforce Management: Business Strategies for Talent Optimization and IT Integration. The American Journal of Medical Sciences and Pharmaceutical Research, 7(03), 136–156. https://doi.org/10.37547/tajmspr/Volume07Issue03-15.
Muhammad Saqib Jalil, Esrat Zahan Snigdha, Mohammad Tonmoy Jubaear Mehedy, Maham Saeed, Abdullah al mamun, MD Nadil khan, & Nahid Khan. (2025). AI-Powered Predictive Analytics in Healthcare Business: Enhancing OperationalEfficiency and Patient Outcomes. The American Journal of Medical Sciences and Pharmaceutical Research, 93–114. https://doi.org/10.37547/tajmspr/Volume07Issue03-13.
Esrat Zahan Snigdha, Muhammad Saqib Jalil, Fares Mohammed Dahwal, Maham Saeed, Mohammad Tonmoy Jubaear Mehedy, Abdullah al mamun, MD Nadil khan, & Syed Kamrul Hasan. (2025). Cybersecurity in Healthcare IT Systems: Business Risk Management and Data Privacy Strategies. The American Journal of Engineering and Technology, 163–184. https://doi.org/10.37547/tajet/Volume07Issue03-15.
Abdullah al mamun, Muhammad Saqib Jalil, Mohammad Tonmoy Jubaear Mehedy, Maham Saeed, Esrat Zahan Snigdha, MD Nadil khan, & Nahid Khan. (2025). Optimizing Revenue Cycle Management in Healthcare: AI and IT Solutions for Business Process Automation. The American Journal of Engineering and Technology, 141–162. https://doi.org/10.37547/tajet/Volume07Issue03-14.
Hasan, M. M., Mirza, J. B., Paul, R., Hasan, M. R., Hassan, A., Khan, M. N., & Islam, M. A. (2025). Human-AI Collaboration in Software Design: A Framework for Efficient Co Creation. AIJMR-Advanced International Journal of Multidisciplinary Research, 3(1).
DOI: 10.62127/aijmr.2025.v03i01.1125
Mohammad Tonmoy Jubaear Mehedy, Muhammad Saqib Jalil, Maham Saeed, Esrat Zahan Snigdha, Nahid Khan, MD Mohaiminul Hasan.The American Journal of Medical Sciences and Pharmaceutical Research, 7(3). 115-135.
https://doi.org/10.37547/tajmspr/Volume07Issue03-14.
Junaid Baig Mirza, MD Mohaiminul Hasan, Rajesh Paul, Mohammad Rakibul Hasan, Ayesha Islam Asha. AIJMR-Advanced International Journal of Multidisciplinary Research, Volume 3, Issue 1, January-February 2025 .DOI: 10.62127/aijmr.2025.v03i01.1123 .
Mohammad Rakibul Hasan, MD Mohaiminul Hasan, Junaid Baig Mirza, Ali Hassan, Rajesh Paul, MD Nadil Khan, Nabila Ahmed Nikita.AIJMR-Advanced International Journal of Multidisciplinary Research, Volume 3, Issue 1, January-February 2025 .
DOI: 10.62127/aijmr.2025.v03i01.1124.
Gazi Mohammad Moinul Haque, Dhiraj Kumar Akula, Yaseen Shareef Mohammed, Asif Syed, & Yeasin Arafat. (2025). Cybersecurity Risk Management in the Age of Digital Transformation: A Systematic Literature Review. The American Journal of Engineering and Technology, 7(8), 126–150. https://doi.org/10.37547/tajet/Volume07Issue08-14
Yaseen Shareef Mohammed, Dhiraj Kumar Akula, Asif Syed, Gazi Mohammad Moinul Haque, & Yeasin Arafat. (2025). The Impact of Artificial Intelligence on Information Systems: Opportunities and Challenges. The American Journalof Engineering and Technology, 7(8), 151–176. https://doi.org/10.37547/tajet/Volume07Issue08-15
Yeasin Arafat, Dhiraj Kumar Akula, Yaseen Shareef Mohammed, Gazi Mohammad Moinul Haque, Mahzabin Binte Rahman, & Asif Syed. (2025). Big Data Analytics in Information Systems Research: Current Landscape and Future Prospects Focus: Data science, cloud platforms, real-time analytics in IS. The American Journal of Engineering and Technology, 7(8), 177–201. https://doi.org/10.37547/tajet/Volume07Issue08-16
Dhiraj Kumar Akula, Yaseen Shareef Mohammed, Asif Syed, Gazi Mohammad Moinul Haque, & Yeasin Arafat. (2025). The Role of Information Systems in Enhancing Strategic Decision Making: A Review and Future Directions. The American Journal of Management and Economics Innovations, 7(8), 80–105. https://doi.org/10.37547/tajmei/Volume07Issue08-07
Dhiraj Kumar Akula, Kazi Sanwarul Azim, Yaseen Shareef Mohammed, Asif Syed, & Gazi Mohammad Moinul Haque. (2025). Enterprise Architecture: Enabler of Organizational Agility and Digital Transformation. The American Journalof Management and Economics Innovations, 7(8), 54–79. https://doi.org/10.37547/tajmei/Volume07Issue08-06
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Iqbal Ansari, Kazi Sanwarul Azim, Kiran Bhujel, Suresh Shivram Panchal, Yogesh Sharad Ahirrao
This work is licensed under a Creative Commons Attribution 4.0 International License.
