Predictive Regulatory Change Impact Model for Global Payment Disruption Scenarios
Keywords:
regulatory change prediction, payment disruption, global financial systems, regulatory impact modeling, fintech regulation, cross-border payments, regulatory technology, financial innovation, compliance forecasting, payment system resilienceAbstract
The global payments ecosystem faces unprecedented disruption from technological innovation, geopolitical tensions, and evolving regulatory frameworks that challenge traditional financial infrastructure. This study develops a comprehensive predictive regulatory change impact model specifically designed to assess and forecast the effects of regulatory modifications on global payment disruption scenarios. The research employs a mixed-methods approach combining quantitative modeling techniques with qualitative regulatory analysis to create a robust framework for understanding how regulatory changes propagate through interconnected payment networks. The model integrates machine learning algorithms with regulatory signal detection mechanisms to provide early warning systems for payment system operators, financial institutions, and policymakers. Through extensive analysis of regulatory patterns across major financial jurisdictions including the United States, European Union, United Kingdom, and emerging markets, this research identifies key regulatory drivers that significantly impact payment system stability and innovation trajectories. The study examines how regulatory harmonization efforts, cross-border compliance requirements, and emerging technology governance frameworks influence payment disruption scenarios. The predictive model incorporates variables such as regulatory complexity indices, compliance cost projections, implementation timelines, and market adaptation capacity to generate comprehensive impact assessments. Findings reveal that regulatory changes in core financial hubs create cascading effects across global payment networks, with particularly pronounced impacts on cross-border transactions, digital currency adoption, and fintech innovation ecosystems. The model demonstrates significant predictive accuracy in forecasting regulatory impact scenarios, achieving correlation coefficients above 0.85 in validation testing across multiple jurisdictions and time periods. Practical applications include strategic planning for financial institutions, risk management optimization, and policy development support for regulatory authorities. The research contributes to the growing body of knowledge on regulatory technology applications in financial services while providing actionable insights for stakeholders navigating the complex intersection of regulation and payment system evolution. The study concludes with recommendations for adaptive regulatory frameworks that balance innovation promotion with systemic risk mitigation in an increasingly interconnected global payments landscape.
Downloads
References
Adedoyin, A. (2018). Predicting fraud in mobile money transfer (Doctoral dissertation, University of Brighton).
Adesina, A.A., Okwandu, A.C. and Nwokediegwu, Z.Q.S. (2024). Towards sustainable urban development: Conceptualizing green infrastructure and its impact on urban planning. Int. J. Appl. Res. Soc. Sci, 6(7), pp.1274-1296.
Adewumi, A., Nwaimo, C.S., Ajiga, D., Agho, M.O. & Iwe, K.A. (2023). AI and Data Analytics for Sustainability: A Strategic Framework for Risk Management in Energy and Business. International Journal of Science and Research Archive, 8(2), pp.767-773. DOI: 10.30574/ijsra.2023.8.2.0158
Adewuyi, A., Onifade, O., Ajuwon, A. and Akintobi, A.O. (2022). International Journal of Management and Organizational Research.
Ajayi, J. O., Ayodeji, D. C., Erigha, E. D., Eboseremen, B. O., Ogedengbe, A. O., Obuse, E., Akindemowo, A. O., & Oladimeji, O. (2023). Strategic analytics enablement: Scaling self-service BI through community-based training models. International Journal of Multidisciplinary Research and Growth Evaluation, 4(4), 1169–1179. https://doi.org/10.54660/.IJMRGE.2023.4.4.1169-1179
Ajayi, J. O., Cadet, E., Essien, I. A., Erigha, E. D., Obuse, E., Ayanbode, N., & Babatunde, L. A. (2024). Building resilient enterprise risk programs through integrated digital governance models. International Journal of Scientific Research in Humanities and Social Sciences, 1(2), 433–462. https://doi.org/10.32628/IJSRSSH
Ajayi, J. O., Erigha, E. D., Obuse, E., Ayanbode, N., & Cadet, E. (2024). Adaptive ESG risk forecasting models for infrastructure planning using AI and regulatory signal detection. International Journal of Scientific Research in Humanities and Social Sciences, 1(2), 644–667. https://doi.org/10.32628/IJSRSSH242562
Akindemowo, A. O., Obuse, E., Ajayi, J. O., Oladimeji, O., Erigha, E. D., & Ogedengbe, A. O. (2024). Reviewing the impact of global regulatory changes on securities and investments. International Journal of Social Science Exceptional Research, 3(4), 83–88. https://doi.org/10.54660/IJSSER.2024.3.4.83-88
An, Y.J., Choi, P.M.S. and Huang, S.H. (2021). Blockchain, cryptocurrency, and artificial intelligence in finance. In Fintech with artificial intelligence, big data, and blockchain (pp. 1-34). Singapore: Springer Singapore.
Arnold, L., Brennecke, M., Camus, P., Fridgen, G., Guggenberger, T., Radszuwill, S., Rieger, A., Schweizer, A. and Urbach, N. (2018). Blockchain and initial coin offerings: Blockchain's implications for crowdfunding. In Business Transformation through Blockchain: Volume I (pp. 233-272). Cham: Springer International Publishing.
Arps, J.P. (2018). Understanding Cryptocurrencies from a Sustainable Perspective: Investigating cryptocurrencies by developing and applying an integrated sustainability framework.
Attia, H. and Fund, A.M. (2020). Financial Inclusion in the technology-led globalization age. Abu Dhabi: Arab Monetary Fund.
Awotunde, J.B., Ogundokun, R.O., Jimoh, R.G., Misra, S. and Aro, T.O. (2021). Machine learning algorithm for cryptocurrencies price prediction. In Artificial intelligence for cyber security: methods, issues and possible horizons or opportunities (pp. 421-447). Cham: Springer International Publishing.
Babatunde, L. A., Cadet, E., Ajayi, J. O., Erigh, E. D., Obuse, E., Essien, I. A., & Ayanbode, N. (2024). High-performance ETL optimization in distributed systems: A model for cloud-first analytics teams. Gyanshauryam, International Scientific Refereed Research Journal, 7(5), 141–159. https://doi.org/10.32628/GISRRJ
Balogun, O., Abass, O.S. and Didi, P.U. (2024). Designing Micro-Journey Frameworks for Consumer Adoption in Digitally Regulated Retail Channels.
Bansal, S., Bruno, P., Denecker, O., Goparaju, M. and Niederkorn, M. (2018). Global payments 2018: A dynamic industry continues to break new ground. Global Banking McKinsey.
Bayeroju, O.F., Sanusi, A.N. & Nwokediegwu, Z.Q.S. (2023). Conceptual Model for Circular Economy Integration in Urban Regeneration and Infrastructure Renewal. Gyanshauryam, International Scientific Refereed Research Journal, 6(3), pp.288-305. DOI: 10.32628/GISRRJ
Biu, P.W., Nwokediegwu, Z.Q.S., Daraojimba, O.H., Majemite, M.T. and Obaigben, A. (2024). Advancements in geodata analytics: Implications for US energy policy and business investment. World Journal of Advanced Research and Reviews, 21(1), pp.1422-1439.
Bott, J. and Milkau, U. (2016). Towards a framework for the evaluation and design of distributed ledger technologies in banking and payments. Journal of Payments Strategy & Systems, 10(2), pp.153-171.
Brown, R.G. (2018). The corda platform: An introduction. Retrieved, 27, p.2018.
Bukhari, T. T., Oladimeji, O., Etim, E. D., & Ajayi, J. O. (2024). Cloud-native business intelligence transformation: Migrating legacy systems to modern analytics stacks for scalable decision-making. International Journal of Scientific Research in Humanities and Social Sciences, 1(2), 744–762. https://doi.org/10.32628/IJSRSSH242763
Bukhari, T. T., Oladimeji, O., Etim, E. D., & Ajayi, J. O. (2024). Predictive analytics for social impact investing performance. International Journal of Scientific Research in Computer Science, Engineering and Information Technology, 10(8), 239–254. https://doi.org/10.32628/IJSRCSEIT
Bukhari, T.T., Oladimeji, O., Etim, E.D. & Ajayi, J.O. (2023). Systematic Review of SIEM Integration for Threat Detection and Log Correlation in AWS-Based Infrastructure. Shodhshauryam, International Scientific Refereed Research Journal, 6(5), pp.479-512. DOI: 10.32628/SHISRRJ
Buterin, V. (2016). Chain interoperability. R3 research paper, 9, pp.1-25.
Cadet, E., Babatunde, L. A., Ajayi, J. O., Erigha, E. D., Obuse, E., Essien, I. A., & Ayanbode, N. (2024). Developing scalable compliance architectures for cross-industry regulatory alignment. International Journal of Scientific Research in Humanities and Social Sciences, 1(2), 494–524. https://doi.org/10.32628/IJSRSSH
Cadet, E., Babatunde, L. A., Ajayi, J. O., Erigha, E. D., Obuse, E., Essien, I. A., & Ayanbode, N. (2024). Developing scalable compliance architectures for cross-industry regulatory alignment. Shodhshauryam, International Scientific Refereed Research Journal, 7(3), 141–176. https://doi.org/10.32628/SHISRRJ
Cadet, E., Etim, E. D., Essien, I. A., Ajayi, J. O., & Erigha, E. D. (2024). Ethical challenges in AI-driven cybersecurity decision-making. International Journal of Scientific Research in Computer Science, Engineering and Information Technology, 10(3), 1031–1064. https://doi.org/10.32628/CSEIT25113577
Chatterjee, P. (2022). AI-Powered Real-Time Analytics for Cross-Border Payment Systems. Available at SSRN 5251235.
Chima, O.K., Ojonugwa, B.M., Ezeilo, O.J., Idemudia, S.O. and Ochefu, A., The Role of Accounting in Measuring and Reporting Sustainable Supply Chain Practices.
Christensen, J. (2021). AI in financial services. In Demystifying AI for the Enterprise (pp. 149-192). Productivity Press.
Collomb, A. and Sok, K. (2016). Blockchain/distributed ledger technology (DLT): What impact on the financial sector?. Digiworld Economic Journal, (103).
Dako, O.F., Onalaja, T.A., Nwachukwu, P.S., Bankole, F.A. and Lateefat, T., Financial Inclusion Through Micro-Lending Risk Models Empowering Underserved Communities with Accessible Credit Solutions.
Dare, S. O., Ajayi, J. O., & Chima, O. K. (2024). A conceptual framework for ethical accounting practices to enhance financial reporting quality in developing economies. Shodhshauryam, International Scientific Refereed Research Journal, 7(5), 103–139. https://doi.org/10.32628/SHISRRJ
Dare, S. O., Ajayi, J. O., & Chima, O. K. (2024). A control optimization model for strengthening corporate governance through digital audit technologies and workflow systems. International Journal of Scientific Research in Humanities and Social Sciences, 1(2), 304–336. https://doi.org/10.32628/IJSRSSH
Dilley, J., Poelstra, A., Wilkins, J., Piekarska, M., Gorlick, B. and Friedenbach, M. (2016). Strong federations: An interoperable blockchain solution to centralized third-party risks. arXiv preprint arXiv:1612.05491.
Dolinski, G. (2018). Blockchain technology and its effects on business models of global payment providers (Bachelor's thesis, University of Twente).
Eboseremen, B.O., Stephen, A.E., Okare, B.P., Aduloju, T.D. and Kamau, E.N. (2024). Reviewing the Role of AI and Machine Learning in Supply Chain Analytics.
Elebe, O. and Imediegwu, C.C. (2024). Capstone model for retention forecasting using business intelligence dashboards in graduate programs. International Journal of Scientific Research in Science and Technology, 11(4), pp.655-675.
Essien, I. A., Cadet, E., Ajayi, J. O., Erigha, E. D., Obuse, E., Ayanbode, N., & Babatunde, L. A. (2024). Building compliant data pipelines in regulated sectors: A privacy-first engineering approach. International Journal of Scientific Research in Computer Science, Engineering and Information Technology, 10(3), 975–995. https://doi.org/10.32628/IJSRCSEIT
Ezeilo, O.J., Ojonugwa, B.M., Chima, O.K., Idemudia, S.O., Chima, O.K. and Ochefu, A., The Role of Environmental Taxation in Corporate Sustainability Strategies.
Faiz, F., Ninduwezuor-Ehiobu, N., Adanma, U.M. and Solomon, N.O., Circular Economy and Data-Driven Decision Making: Enhancing Waste Recycling and Resource Recovery.
Girasa, R. (2018). Regulation of cryptocurrencies and blockchain technologies. National and International Perspectives. Suiza: Palgrave Macmillan.
Gobile, S., Awoyemi, O. and Ogunwale, B. (2024). Cross-Border Insolvencies in the Digital Age: Challenges and Opportunities for International Bankruptcy Law.
Hardjono, T., Lipton, A. and Pentland, A. (2018). Towards a design philosophy for interoperable blockchain systems. arXiv preprint arXiv:1805.05934.
He, M.D., Leckow, M.R.B., Haksar, M.V., Griffoli, M.T.M., Jenkinson, N., Kashima, M.M., Khiaonarong, T., Rochon, M.C. and Tourpe, H. (2017). Fintech and financial services: Initial considerations. International Monetary Fund.
Iziduh, E.F., Olasoji, O. & Adeyelu, O.O. (2023). Unsupervised Anomaly Detection Techniques for Financial Fraud Using Real-World Transaction Datasets. International Journal of Scientific Research in Science and Technology, 10(6), pp.740–753. DOI: https://doi.org/10.32628/IJSRST.
Jabbar, K. and Bjørn, P. (2018). Permeability, interoperability, and velocity: Entangled dimensions of infrastructural grind at the intersection of blockchain and shipping. ACM Transactions on Social Computing, 1(3), pp.1-22.
Jackson, A., Lloyd, A., Macinante, J. and Hüwener, M. (2018). Networked carbon markets: permissionless innovation with distributed ledgers?. In Transforming Climate Finance and Green Investment with Blockchains (pp. 255-268). Academic Press.
Kazan, E., Tan, C.W., Lim, E.T., Sørensen, C. and Damsgaard, J. (2018). Disentangling digital platform competition: The case of UK mobile payment platforms. Journal of management information systems, 35(1), pp.180-219.
Khaki, A.R., Messaadia, M., Jreisat, A. and Al-Mohammad, S. (2022). Fintech adoption for poverty alleviation in African countries: Application of supervised machine learning approach. In Africa case studies in operations research: A closer look into applications and algorithms (pp. 197-210). Cham: Springer International Publishing.
Kochi, I. and Rodríguez, R.A.P. (2013). A Dynamic Model of Remittances with Liquidity Constraints. Blurring organizational issues and social phenomena in the age of technology: a multidisciplinary perspective, p.165.
Kotios, D., Makridis, G., Fatouros, G. and Kyriazis, D. (2022). Deep learning enhancing banking services: a hybrid transaction classification and cash flow prediction approach. Journal of big Data, 9(1), p.100.
Kumar, R.R., Stauvermann, P.J., Patel, A. and Prasad, S. (2018). The effect of remittances on economic growth in Kyrgyzstan and Macedonia: Accounting for financial development. International Migration, 56(1), pp.95-126.
Lee, D.K.C. and Low, L. (2018). Inclusive fintech: blockchain, cryptocurrency and ICO. World Scientific.
Lipton, A., Shrier, D. and Pentland, A. (2016). Digital banking manifesto: the end of banks?. USA: Massachusetts Institute of Technology.
Lutz, J.K. (2018). Coexistence of cryptocurrencies and central bank issued fiat currencies-A systematic literature review.
Malavolta, G., Moreno-Sanchez, P., Schneidewind, C., Kate, A. and Maffei, M. (2018). Anonymous multi-hop locks for blockchain scalability and interoperability. Cryptology ePrint Archive.
Metawa, N., Alghamdi, M.I., El-Hasnony, I.M. and Elhoseny, M. (2021). Return rate prediction in blockchain financial products using deep learning. Sustainability, 13(21), p.11901.
Mgbame, A.C., Akpe, O.E., Abayomi, A.A., Ogbuefi, E. & Adeyelu, O.O. (2023). Design and Development of a Subscription-Based BI Platform for Small Enterprises. International Journal of Social Science Exceptional Research, 2(2), pp.31–47. DOI: https://doi.org/10.54660/IJSSER.2023.2.2.31-47.
Milkau, U. and Bott, J. (2015). Digitalisation in payments: From interoperability to centralised models?. Journal of Payments Strategy & Systems, 9(3), pp.321-340.
Mohamed, H. (2021). Managing Islamic financial risks and new technological risks. In Artificial Intelligence and Islamic Finance (pp. 61-76). Routledge.
Neyer, G. and Geva, B. (2017). Blockchain and payment systems: What are the benefits and costs?. Journal of Payments Strategy & Systems, 11(3), pp.215-225.
Nichol, P.B. and Brandt, J. (2016). Co-creation of trust for healthcare: The cryptocitizen framework for interoperability with blockchain. Research Proposal. ResearchGate.
Nuthalapati, A. (2022). Optimizing lending risk analysis & management with machine learning, big data, and cloud computing. Remittances Review, 7(2), pp.172-184.
Nwangene, C.R., Adewuyi, A.D.E.M.O.L.A., Ajuwon, A.Y.O.D.E.J.I. and Akintobi, A.O. (2021). Advancements in real-time payment systems: A review of blockchain and AI integration for financial operations. IRE Journals, 4(8), pp.206-221.
Nwani, S., Abiola-Adams, O., Otokiti, B.O. & Ogeawuchi, J.C. (2023). Developing Capital Expansion and Fundraising Models for Strengthening National Development Banks in African Markets. International Journal of Scientific Research in Science and Technology, 10(4), pp.741-751. DOI: 10.32628/IJSRST.2023.741
Nwani, S., Abiola-Adams, O., Otokiti, B.O., & Ogeawuchi, J.C. (2023). Constructing Revenue Growth Acceleration Frameworks through Strategic Fintech Partnerships in Digital E-Commerce Ecosystems. International Journal of Advanced Multidisciplinary Research and Studies, 3(6), pp.1780–1785.
Nwulu, E.O., Adikwu, F.E., Odujobi, O., ONYEKE, F.O., Ozobu, C.O. and Daraojimba, A.I. (2024). Financial Modeling for EHS Investments: Advancing the Cost-Benefit Analysis of Industrial Hygiene Programs in Preventing Occupational Diseases. Int. J. Multidiscip. Res. Growth Eval, 5(1), pp.1438-1450.
Obadimu, O., Ajasa, O. G., Mbata, A. O., & Olagoke-Komolafe, O. E. (2024). Reimagining Solar Disinfection (SODIS) in a Microplastic Era: The Role of Pharmaceutical Packaging Waste in Biofilm Resilience and Resistance Gene Dynamics. International Journal of Scientific Research in Science and Technology, 11(5), 586-614.
Obuse, E., Akindemowo, A. O., Ajayi, J. O., Erigha, E. D., Adebayo, A., Afuwape, A. A., & Soneye, O. M. (2024). A conceptual framework for CI/CD pipeline security controls in hybrid application deployments. International Journal of Future Engineering Innovations, 1(2), 25–47. https://doi.org/10.54660/IJFEI.2024.1.2.25-47
Obuse, E., Etim, E. D., Essien, I. A., Cadet, E., Ajayi, J. O., Erigha, E. D., & Babatunde, L. A. (2023). AI-powered incident response automation in critical infrastructure protection. International Journal of Advanced Multidisciplinary Research Studies, 3(1), 1156–1171.
Ochefu, A., Idemudia, S.O., Ezeilo, O.J., Ojonugwa, B.M. and Chima, O.K. (2024). International Journal of Social Science Exceptional Research.
Odeshina, A., Reis, O., Okpeke, F., Attipoe, V. and Orieno, O. (2024). Leveraging big data analytics for market forecasting and investment strategy in digital finance. International Journal of Social Science Exceptional Research, 3, pp.325-333.
Odinaka, N., Okolo, C.H., Chima, O.K., & Adeyelu, O.O. (2023). Cross-Border Financial Control Testing in Multinational Corporations: A Remote Team Model for U.S. Compliance and Reporting Accuracy. International Journal of Scientific Research in Computer Science, Engineering and Information Technology, 9(6), pp.500–511. DOI: 10.32628/IJSRCSEIT.
Odinaka, N., Okolo, C.H., Chima, O.K., & Adeyelu, O.O. (2023). Decarbonization Finance Strategy for Data-Intensive Industries: Lessons from Multinational Audit Experience in Energy and Tech Sectors. International Journal of Advanced Multidisciplinary Research and Studies, 3(6), pp.2139–2149.
Odinaka, N., Okolo, C.H., Chima, O.K., & Adeyelu, O.O. (2023). Financial Resilience through Predictive Variance Analysis: A Hybrid Approach Using Alteryx and Excel in Forecast Accuracy Enhancement. Shodhshauryam, International Scientific Refereed Research Journal, 6(4), pp.400–422. DOI: 10.32628/SHISRRJ.
Odujobi, O., ONYEKE, F.O., Ozobu, C.O., Adikwu, F.E. and Nwulu, E.O. (2024). A Conceptual Model for Integrating Ergonomics and Health Surveillance to Reduce Occupational Illnesses in the Nigerian Manufacturing Sector. International Journal of Multidisciplinary Research and Growth Evaluation, 5(1), pp.1425-1437.
Ojewumi, T.K. and Nwokeji, J.C. (2022). Cryptocurrency adoption and financial inclusion: Evidence from emerging economies. International Journal of Scientific Research in Science and Technology, 9(3), pp.456-472.
Ojonugwa, B.M., Adanigbo, O.S., Ogunwale, B. and Ochefu, A. (2024). Impact Investing and AI: Advancing Developmental Goals through Data-Driven Investment Strategies.
Okare, B.P., Omolayo, O. and Aduloju, T.D. (2024). Designing Unified Compliance Intelligence Models for Scalable Risk Detection and Prevention in SME Financial Platforms. DOI: https://doi.org/10.54660/. IJMRGE, pp.4-1421.
Okuboye, A. (2024). Gamification in BPM training: Enhancing workforce engagement and process adherence across global teams. International Journal of Advanced Multidisciplinary Research and Studies, 4(4), 1329–1336.
Okuboye, A. (2024). Measuring the ROI of workforce optimization initiatives in business process redesign projects. International Journal of Advanced Multidisciplinary Research and Studies, 4(5), 1203–1210.
Olajide, J.O., Otokiti, B.O., Nwani, S., Ogunmokun, A.S., Adekunle, B.I. and Fiemotongha, J.E. (2024). Framework for Digital Transformation in SAP-Driven Cost Forecasting and Financial Reporting Systems.
Oladimeji, O., Ayodeji, D. C., Erigha, E. D., Eboseremen, B. O., Umar, M. O., Obuse, E., Ajayi, J. O., & Akindemowo, A. O. (2023). Governance models for scalable self-service analytics: Balancing flexibility and data integrity in large enterprises. International Journal of Advanced Multidisciplinary Research Studies, 3(5), 1582–1592.
Olasoji, O., Iziduh, E.F., & Adeyelu, O.O. (2023). A Predictive Modeling Approach for Managing Accounts Payable Workflow Efficiency and Ledger Reconciliation Accuracy. Shodhshauryam, International Scientific Refereed Research Journal, 6(4), pp.106–120. DOI: https://doi.org/10.32628/SHISRRJ.
Olinmah, F.I., Abiola-Adams, O., Otokiti, B.O. and Ojonugwa, B.M. (2024). A Data-Driven Internal Controls Modeling Framework for Operational Risk Mitigation in Financial Services. International Journal of Scientific Research in Science, Engineering and Technology, 11(5), pp.368-383.
Olinmah, F.I., Otokiti, B.O., Abiola-Adams, O. and Ojonugwa, B.M. (2024). Designing Regulatory Risk Reporting Frameworks Using Automation Tools in Banking Sector Compliance. International Journal of Scientific Research in Science, Engineering and Technology, 11(5), pp.353-367.
Orieno, O.H., Oluoha, O.M., Odeshina, A., Reis, O. and Attipoe, V. (2024). A digital resilience model for enhancing operational stability in financial and compliance-driven sectors. International Journal of Scientific Research in Computer Science, Engineering and Information Technology, 3(1), pp.365-386.
Paech, P. (2017). The governance of blockchain financial networks. The Modern Law Review, 80(6), pp.1073-1110.
Paleti, S. (2022). The Role of Artificial Intelligence in Strengthening Risk Compliance and Driving Financial Innovation in Banking. Available at SSRN 5250770.
Paleti, S., Burugulla, J.K.R., Pandiri, L., Pamisetty, V. and Challa, K. (2022). Optimizing Digital Payment Ecosystems: Ai-Enabled Risk Management, Regulatory Compliance, And Innovation In Financial Services. Regulatory Compliance, And Innovation In Financial Services (June 15, 2022).
Pamisetty, A., Sriram, H.K., Malempati, M., Challa, S.R. and Mashetty, S. (2022). AI-Driven Optimization of Intelligent Supply Chains and Payment Systems: Enhancing Security, Tax Compliance, and Audit Efficiency in Financial Operations. Tax Compliance, and Audit Efficiency in Financial Operations (December 15, 2022).
Pilkington, M. (2016). Blockchain technology: principles and applications. In Research handbook on digital transformations (pp. 225-253). Edward Elgar Publishing.
Polak, P., Nelischer, C., Guo, H. and Robertson, D.C. (2020). "Intelligent" finance and treasury management: what we can expect. Ai & Society, 35(3), pp.715-726.
Prusty, N. (2018). Blockchain for Enterprise: Build scalable blockchain applications with privacy, interoperability, and permissioned features. Packt Publishing Ltd.
Rodima-Taylor, D. and Grimes, W.W. (2017). Cryptocurrencies and digital payment rails in networked global governance: perspectives on inclusion and innovation. In Bitcoin and Beyond (pp. 109-132). Routledge.
Sanusi, A.N., Bayeroju, O.F. & Nwokediegwu, Z.Q.S. (2023). Conceptual Model for Sustainable Procurement and Governance Structures in the Built Environment. Gyanshauryam, International Scientific Refereed Research Journal, 6(4), pp.448-466. DOI: 10.32628/GISRRJ
Sikiru, A.O., Chima, O.K., Otunba, M., Gaffar, O. And ADENUGA, A.A. (2021). AI In The Treasury Function: Optimizing Cash Forecasting, Liquidity Management, And Hedging Strategies.
Skinner, C. (2016). ValueWeb: How fintech firms are using bitcoin blockchain and mobile technologies to create the Internet of value. Marshall Cavendish International Asia Pte Ltd.
Sobowale, M.A. (2024). Investigating the transformative impact of blockchain technology on securing banking transactions and enhancing AML strategies. International Journal of Judicial Law, 3(1), pp.65-84.
Soneye, O. M., Tafirenyika, S., Moyo, T. M., Eboseremen, B. O., Akindemowo, A. O., Erigha, E. D., Obuse, E., & Ajayi, J. O. (2023). Comparative analysis of supervised and unsupervised machine learning for predictive analytics. International Journal of Computer Science and Mathematical Theory, 9(5), 176.
Soneye, O. M., Tafirenyika, S., Moyo, T. M., Eboseremen, B. O., Akindemowo, A. O., Erigha, E. D., Obuse, E., & Ajayi, J. O. (2024). Conceptual framework for AI-augmented threat detection in institutional networks using layered data aggregation and pattern recognition. World Journal of Innovation and Modern Technology, 8(6), 197. https://DOI.org/10.56201/wjimt.v8.no6.2024.pg197.227
Srinivasan, V. and Kim, Y.H. (1986). Payments netting in international cash management: A network optimization approach. Journal of International Business Studies, 17(2), pp.1-20.
Tanwar, S., Patel, N.P., Patel, S.N., Patel, J.R., Sharma, G. and Davidson, I.E. (2021). Deep learning-based cryptocurrency price prediction scheme with inter-dependent relations. IEEE Access, 9, pp.138633-138646.
Tasca, P. and Tessone, C.J. (2017). Taxonomy of blockchain technologies. Principles of identification and classification. arXiv preprint arXiv:1708.04872.
Uddoh, J., Ajiga, D., Okare, B.P., & Aduloju, T.D. (2023). Blockchain Identity Verification Models: A Global Perspective on Regulatory, Ethical, and Technical Issues. Shodhshauryam, International Scientific Refereed Research Journal, 6(2), pp.162–172.
Umoren, N., Odum, M.I., Jason, I.D. & Jambol, D.D. (2024). Seismic acquisition techniques for reservoir characterization: Methods, data quality, challenges, and technological advancements. International Journal of Scientific Research in Social Science and Humanities, 4(2), pp.267–289.
Wewege, L., Lee, J. and Thomsett, M.C. (2020). Disruptions and digital banking trends. Journal of Applied Finance and Banking, 10(6), pp.15-56.
Wörner, D. (2017). The Impact of Cryptocurrencies on the Internet of Things-Insights from Prototypes (Doctoral dissertation, ETH Zurich).
Yin, Y., Qamruzzaman, M., Xiao, H., Mehta, A.M., Naqvi, F.N. and Baig, I.A. (2022). Nexus between uncertainty, remittances, and households consumption: Evidence from dynamic SUR application. Frontiers in Environmental Science, 10, p.950067.
Zalan, T. (2018). Born global on blockchain. Review of International Business and Strategy, 28(1), pp.19-34.
Zamani, E.D. and Giaglis, G.M. (2018). With a little help from the miners: distributed ledger technology and market disintermediation. Industrial Management & Data Systems, 118(3), pp.637-652.
Downloads
Published
Issue
Section
License
Copyright (c) 2024 International Journal of Scientific Research in Humanities and Social Sciences
This work is licensed under a Creative Commons Attribution 4.0 International License.
