Journal of Advanced Research in Information Technology, Systems and Management

Strengthening Cybersecurity In Mobile Banking For Sustainable Digital Financial Inclusion In India

Sunil Akhilesh Yadav — 2025-07-02

The Increasing Reliance On Mobile Banking Services In India Has Significantly Contributed To Advancing Digital Financial Inclusion. However, This Rapid Growth Has Raised Concerns Regarding The Security Of Mobile Banking Platforms, Which Are Vulnerable To Cyberattacks And Data Breaches. This Paper Explores Strategies To Strengthen Cybersecurity In Mobile Banking, Aiming To Enhance Trust And Security While Supporting The Sustainable Growth Of Digital Financial Services In India. We Analyze The Existing Cybersecurity Frameworks, The Emerging Threats In The Mobile Banking Landscape, And The Regulatory Efforts By The Indian Government And Financial Institutions. The Study Further Identifies Key Challenges, Such As Inadequate User Awareness And Technical Infrastructure Gaps, And Proposes A Multi- Layered Approach To Mitigate Risks.

A Comprehensive Review of Modern Cyber Defence: The Role of Threat Intelligence and Hunting

Abhishek Sharma — 2025-07-03

In todayâ€™s era of relentless cyberattacks, organisations must priortise strengthening their digital security measures. This study explores the critical roles of threat intelligence and cyber threat hunting in modern cybersecurity frameworks. By defining the concepts, categorising types and sources of threat intelligence, and detailing the iterative processes involved in cyber threat hunting, the research underscores their proactive contributions to identifying and mitigating potential risks. Additionally, it examines the challenges organisations encounter during implementation and proposes actionable solutions to address these issues. In an evolving threat landscape, the findings highlight the necessity of adopting a proactive, collaborative, and adaptable approach to cybersecurity

Digital Transformation and Innovation in Achieving Viksit Bharat

Ankush R Singh — 2025-07-03

Digital transformation and innovation are pivotal in achieving India's vision of Viksit Bharatâ€”a developed and self-reliant nation. Leveraging advancements in technology, fostering a culture of innovation, and promoting inclusivity can transform sectors like healthcare, education, agriculture, and governance. This paper explores the role of digital transformation in driving economic growth, empowering marginalized communities, and bridging urban-rural divides. The challenges of digital inclusion, cybersecurity, and policy frameworks are also addressed. By integrating modern innovations with traditional wisdom, India can create a sustainable roadmap toward becoming a developed nation.

Guiding Light: The Role of AI in Empowering the Visually Impaired

Neha Sanjiv Gupta — 2025-07-03

The advent of Artificial Intelligence (AI) has brought transformative possibilities across various domains, including accessibility solutions for the visually impaired. This research explores the pivotal role of AI in empowering individuals with visual disabilities by enhancing their autonomy, access to information, and integration into mainstream activities. The paper delves into AI-driven innovations such as image recognition, natural language processing, and real-time navigation assistance, highlighting their impact on overcoming everyday challenges faced by visually impaired individuals. Furthermore, it evaluates current technologies, including AI-enabled screen readers, object detection systems, and smart wearables, while addressing their limitations and ethical considerations. The study also discusses emerging trends and future directions, emphasising the importance of inclusive design and user-centric approaches. By bridging gaps in accessibility, AI serves as a guiding light, fostering independence and improving the quality of life for the visually impaired community. This paper aims to contribute to the ongoing discourse on leveraging AI for social good, advocating for the development of equitable and sustainable solutions.

Study of Smart Agriculture by using AI

Manish Gupta — 2025-07-05

Smart Agriculture represents the integration of advanced technologies like Artificial Intelligence (AI), Internet of Things (IoT), and data analytics into farming practices to enhance productivity, sustainability, and efficiency. This study explores the parallels between digital lending innovations and their application in Smart Agriculture, focusing on how AI and data analytics optimize decision-making, improve operational efficiency, and increase accessibility to financial resources for farmers. The research highlights key aspects such as predictive analytics for yield estimation, automated farm management, fraud detection in supply chains, and alternative credit scoring for inclusive finance. Additionally, challenges such as connectivity issues, privacy concerns, and trust barriers are discussed. The findings suggest that leveraging technology and building transparent, farmer-centric platforms can transform agriculture, addressing critical issues like resource optimization, climate resilience, and financial inclusion. This paper underscores the need for tailored strategies to ensure seamless adoption of Smart Agriculture technologies, paving the way for a more sustainable and efficient agricultural ecosystem.

Study of AI and Data Analysis in Digital Lending Apps

Omkar Ghadigaonkar — 2025-07-03

The digital lending industry has experienced exponential growth, driven by the increasing demand for faster and more accessible financial solutions. Artificial Intelligence (AI) and Data Analytics play a transformative role in modernising traditional lending practices, fostering efficiency, accuracy, and customer-centric services. This paper explores the application of AI and data analytics in digital lending, focusing on areas such as credit assessment, fraud detection, and operational optimisation. The findings highlight the critical role these technologies play in driving innovation while addressing challenges like data security and algorithmic bias.
The rapid proliferation of digital lending apps has transformed the financial services landscape, offering consumers faster, more accessible, and paperless credit solutions. This study investigates consumer perception of digital lending apps, focusing on factors such as trust, convenience, security, transparency, and user experience. By analysing survey data from diverse demographics, the research identifies key drivers influencing adoption and satisfaction, alongside barriers such as data privacy concerns and hidden charges. The findings provide insights into consumer preferences and apprehensions, offering valuable recommendations for app developers and policymakers to enhance user trust and optimise the digital lending experience.