IJCRT Peer-Reviewed (Refereed) Journal as Per New UGC Rules.
ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
Scholarly open access journals, Peer-reviewed, and Refereed Journals, Impact factor 7.97 (Calculate by google scholar and Semantic Scholar | AI-Powered Research Tool) , Multidisciplinary, Monthly, Indexing in all major database & Metadata, Citation Generator, Digital Object Identifier(CrossRef DOI)
| IJCRT Journal front page | IJCRT Journal Back Page |
Paper Title: The Data Revolution: How Retailers Use Shopping Insights to Reinvent Themselves
Author Name(s): Shilpi Yadav, Dr.Gaurab Kumar Sharma
Published Paper ID: - IJCRTBQ02012
Register Paper ID - 302210
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02012 and DOI : https://doi.org/10.56975/ijcrt.v14i4.302210
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02012 Published Paper PDF: download.php?file=IJCRTBQ02012 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02012.pdf
Title: THE DATA REVOLUTION: HOW RETAILERS USE SHOPPING INSIGHTS TO REINVENT THEMSELVES
DOI (Digital Object Identifier) : https://doi.org/10.56975/ijcrt.v14i4.302210
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 53-57
Year: April 2026
Downloads: 45
E-ISSN Number: 2320-2882
Online retail is not what it was used to be. Earlier when store owners would guess what customers wanted and hope for the best sale? Now every click, every abandoned cart (Aaker, 1997), every return is telling retailers exactly what to do strategies next (Aggarwal & Kumar, 2024). This paper looks at how Indian online clothing stores like Amazon, Ajio, Tata cliq, flipkart, Myntra and Nykaa fashion turned piles of online shopping data into completely data curated ways of doing business. Traditionally it was simple counting how many shirts traditional weekly and monthly then according to that inventory will maintain (Desai & Patel, 2023). Now they're predicting according the browsing pattern, buying history, which age group will want linen kurtas before Diwali, suggesting exact products to email specific customers, through recommendation and even designing data driven clothes based on what people keep returning (Gupta & Singh, 2025). Companies went from wasting 35% of their marketing budget on bad guesses to hitting 85% accuracy on who will actually buy what they promote (Kumar & Sharma, 2024).. Through study we have found three big changes currently happening right now in the market. First, online stores stopped thinking the traditional method of selling everyone the same thing and started treating every customer like they have their own shopping personality. Second the inventory which used to sit around for months now moves in days, cutting traditional stock by 42% and excess inventory by 30% (Sharma & Jain, 2023). Third the prices of the products now change by the hour based on whose shopping and what similar items are doing (Singh & Gupta, 2024). In this research we had gone through the six major Indian shopping sites and tracked their journey from basic spread sheets to data command centres. What surprised the most was how fast this happened. Companies that took years to upgrade in the 2010s now rebuild their entire data systems in 6-9 months using cloud tools, AI recommendation & digital marketing. The gap between the sites who were following the traditional method to data curated era of data revolution is huge, data-savvy stores keep 22% more customers, make 18% better profits, and react to trends 3X faster. For managers, this is not only about the numbers but the data is literally rewriting their business criteria. Data savvy leaders now ask, "What should we make that our data says customers want but nobody's selling in the market?" instead of "How many T-shirts can we push?" This shift requires insight based skills like understanding analytics, getting marketing and inventory teams to jointly do the planning and making big decisions based on last week's shopping patterns instead of last quarter's sales reports. The paper lays out a practical roadmap based on what actually worked. Five things separate the stores printing money from those struggling are seeing every customer as one person across all touch points, real-time dashboards which everyone can understand, inventory predictions that actually work, marketing that feels personal but scales high, and designing products based on returns data instead of designer instincts. What really caught the attention was how the smaller regional players often beat the big sharks of the market. They focused on their specific customers instead of trying to be everything to everyone and their data strategies paid off faster. In a market growing 25% every year, knowing exactly what your customers want rather than how you win.
Licence: creative commons attribution 4.0
retail data revolution, shopping insights, business model change, customer analytics, agile retail strategy, e-commerce transformation, data-driven merchandising
Paper Title: HYBRID LEARNING IN HIGHER EDUCATION: BRIDGING PHYSICAL AND DIGITAL CLASSROOMS
Author Name(s): Dr. Paromita Mukherjee
Published Paper ID: - IJCRTBQ02011
Register Paper ID - 302211
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02011 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02011 Published Paper PDF: download.php?file=IJCRTBQ02011 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02011.pdf
Title: HYBRID LEARNING IN HIGHER EDUCATION: BRIDGING PHYSICAL AND DIGITAL CLASSROOMS
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 46-52
Year: April 2026
Downloads: 39
E-ISSN Number: 2320-2882
This research paper investigates the effectiveness of instructional strategies within hybrid learning classrooms in the post-pandemic higher education landscape (2020-2025). The purpose of the study is to evaluate the impact of various hybrid modalities--including the Flipped Classroom, HyFlex, and the Community of Inquiry (CoI) framework--on academic performance, student engagement, and institutional sustainability. The methodology employs a systematic synthesis of multi-national meta-analyses and quasi-experimental data, specifically analyzing standardized mean differences (SMD) and path coefficients across diverse academic disciplines. Key findings reveal that hybrid models significantly enhance academic performance, with theoretical and skill-based scores exhibiting moderate to high effect sizes, particularly in the sciences (ES=2.099). However, a critical "digital training gap" was identified, where only 24% of educators report receiving effective training on the technological resources available to them. The study concludes that the success of hybrid learning depends on the intentional design of social and teaching presences that foster active, collaborative inquiry rather than mere technological substitution. Recommendations for future institutional policy emphasize data-driven faculty upskilling and the adoption of student-centered, flexible participation models to ensure long-term pedagogical resilience and equitable learning outcomes.
Licence: creative commons attribution 4.0
Hybrid Learning, Flipped Classroom, Community of Inquiry, Student Engagement, HyFlex, Higher Education
Paper Title: INDUSTRY 5.0-ENABLED MARKETING STRATEGIES FOR DHOKRA BASTAR ARTFostering Circular Economy and ESG Principles in Chhattisgarh's Tribal Artisans
Author Name(s): Dr. Jayant Isaac
Published Paper ID: - IJCRTBQ02010
Register Paper ID - 302213
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02010 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02010 Published Paper PDF: download.php?file=IJCRTBQ02010 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02010.pdf
Title: INDUSTRY 5.0-ENABLED MARKETING STRATEGIES FOR DHOKRA BASTAR ARTFOSTERING CIRCULAR ECONOMY AND ESG PRINCIPLES IN CHHATTISGARH'S TRIBAL ARTISANS
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 42-45
Year: April 2026
Downloads: 39
E-ISSN Number: 2320-2882
This study examines the role of Industry 5.0 technologies in strengthening marketing strategies for Dhokra Bastar art, a traditional lost-wax metal casting craft practiced by tribal artisans in Chhattisgarh, India. Despite its cultural significance, the sector continues to face challenges such as fragmented markets, dependence on intermediaries, limited branding, and weak digital outreach, which restrict sustainable value creation. To address these challenges, the study develops a conceptual framework integrating human-centric Industry 5.0 technologies with marketing effectiveness, circular economy practices, and Environmental, Social, and Governance (ESG) performance. Using dummy empirical analysis and regression techniques, the study demonstrates statistically significant relationships among Industry 5.0 adoption, marketing effectiveness, circular economy practices, and ESG outcomes. The findings indicate that Industry 5.0-enabled marketing strategies enhance transparency, market access, and sustainable value capture while emphasizing ethical safeguards such as informed consent, fair benefit-sharing, and data protection. The study contributes to the literature on sustainable marketing, indigenous entrepreneurship, and technology-enabled inclusive development.
Licence: creative commons attribution 4.0
Industry 5.0, Dhokra art, circular economy, ESG, tribal artisans, sustainable marketing.
Paper Title: REVIEW OF LITERATURE ON INNOVATION IN ADVERTISING IN AI-DRIVEN MARKETING
Author Name(s): Dr. Gopal Laxmansing Balloj
Published Paper ID: - IJCRTBQ02009
Register Paper ID - 302214
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02009 and DOI : https://doi.org/10.56975/ijcrt.v14i4.302214
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02009 Published Paper PDF: download.php?file=IJCRTBQ02009 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02009.pdf
Title: REVIEW OF LITERATURE ON INNOVATION IN ADVERTISING IN AI-DRIVEN MARKETING
DOI (Digital Object Identifier) : https://doi.org/10.56975/ijcrt.v14i4.302214
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 38-41
Year: April 2026
Downloads: 43
E-ISSN Number: 2320-2882
This paper focuses specifically on literature studies related to innovations in advertising due to AI adoption. Advertising becomes a compulsory part of Marketing as well as all Business, everywhere, but upgradation is a compulsory part of life, and it is also applicable to Marketing sectors. Especially in advertising, Artificial Intelligence has speedily transformed marketing policies. This paper analyses vital points & themes, including computer-based advertising, personalization, consumer attraction & engagement, ethical values concerns, Privacy & Security of data, creative, innovative AI tools available, and measuring the performance. The literature specifies that AI has not only optimized traditional processes but also enabled novel paradigms in consumer targeting and message delivery. However, challenges related to ethics, algorithmic bias, and consumer trust persist. This review synthesizes current research to highlight trends, gaps, and future directions.
Licence: creative commons attribution 4.0
AI, Marketing, Digitization, ML, NLP
Paper Title: The Growing Impact of Artificial Intelligence on Human Resource Management
Author Name(s): Mr. Ashwin Shirude, Prof. (Dr.) Amol Murgai
Published Paper ID: - IJCRTBQ02008
Register Paper ID - 302300
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02008 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02008 Published Paper PDF: download.php?file=IJCRTBQ02008 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02008.pdf
Title: THE GROWING IMPACT OF ARTIFICIAL INTELLIGENCE ON HUMAN RESOURCE MANAGEMENT
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 33-37
Year: April 2026
Downloads: 39
E-ISSN Number: 2320-2882
Artificial Intelligence (AI) has rapidly evolved over the past two decades, driven primarily by advancements in machine learning. Today, leading organizations increasingly rely on AI to enhance efficiency, reduce manual effort, and gain a competitive advantage. AI enables machines to perform complex cognitive tasks traditionally associated with human intelligence, such as reasoning, learning, and decision-making. Large corporations now integrate AI across various functions, including human resources (HR), where it streamlines processes, improves employee experience, and adds strategic value. Although surveys (e.g., McKinsey Global Survey) show that many companies are experimenting with AI, genuine widespread adoption remains around 30%. This descriptive study explores the expanding role of AI in modern HR practices, highlighting how machine learning tools help organizations work smarter, faster, and more accurately.
Licence: creative commons attribution 4.0
Artificial Intelligence, Human Resource Management, Machine Learning, Talent Acquisition, Employee Experience, Automation
Paper Title: ADOPTION OF E-HRM IN HIGHER EDUCATION INSTITUTIONS: A STUDY OF DIGITAL HR PRACTICES
Author Name(s): Mrs. Pratima Dinesh Shravagi
Published Paper ID: - IJCRTBQ02007
Register Paper ID - 302301
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02007 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02007 Published Paper PDF: download.php?file=IJCRTBQ02007 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02007.pdf
Title: ADOPTION OF E-HRM IN HIGHER EDUCATION INSTITUTIONS: A STUDY OF DIGITAL HR PRACTICES
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 30-32
Year: April 2026
Downloads: 43
E-ISSN Number: 2320-2882
The digital transformation of administrative functions within higher education has expedited the integration of Electronic Human Resource Management (E-HRM). This research investigates the degree, application, and advantages of E-HRM in higher education institutions, with an emphasis on recruitment, training, performance management, and employee data management. By utilizing secondary data sourced from research reports, academic journals, and institutional case studies, the paper concludes that E-HRM improves operational efficiency, facilitates data-driven decision-making, and alleviates administrative burdens. Nevertheless, obstacles such as insufficient digital skills, gaps in infrastructure, and resistance to change continue to hinder comprehensive adoption. The study wraps up with suggestions aimed at enhancing E-HRM implementation and outlining future research.
Licence: creative commons attribution 4.0
E-HRM, Higher Education, Digital HR Practices, HR Technology, HRIS, Digital Transformation
Paper Title: THE ROLE OF ARTIFICIAL INTELLIGENCE (AI) IN ENHANCING CYBER SECURITY
Author Name(s): Prof. Aparna Vijay Jagtap, Prof. Nandkumar Rajendra Sonar
Published Paper ID: - IJCRTBQ02006
Register Paper ID - 302302
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02006 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02006 Published Paper PDF: download.php?file=IJCRTBQ02006 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02006.pdf
Title: THE ROLE OF ARTIFICIAL INTELLIGENCE (AI) IN ENHANCING CYBER SECURITY
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 27-29
Year: April 2026
Downloads: 41
E-ISSN Number: 2320-2882
Because digital technologies are developing so quickly, cyber threats are becoming more common and sophisticated, which puts people, businesses, and governments at significant danger. Conventional cyber security techniques are frequently inadequate to deal with these changing threats. In cyber security, artificial intelligence (AI) has become a vital tool, providing real-time, flexible solutions for threat detection, prevention, and response. The main uses of AI in cyber security are examined in this study, including fraud detection, threat detection, malware analysis, automated incident response, predictive analytics, and authentication systems. It highlights the benefits of AI-driven security approaches such as scalability, improved accuracy, continuous learning, and cost efficiency, while also addressing associated challenges like adversarial attacks, data privacy concerns, and over-reliance on automation. The paper further discusses future prospects for AI integration, emphasizing the need for explainable AI and collaborative defense mechanisms. The study focuses the worth of blending human expertise with AI skills to develop robust and successful cyber security solutions
Licence: creative commons attribution 4.0
Artificial Intelligence (AI), Cyber Security, Machine Learning, Threat Detection, Malware Analysis, Predictive Analytics, Automated Incident Response, Data Privacy, Fraud Detection, Network Security, Anomaly Detection, Biometric Authentication, Adversarial Attacks, Digital Transformation, AI-driven Security
Paper Title: Passenger Aviation as a Catalyst for Tourism Development, Hospitality Innovation, and Entrepreneurial Growth: A Case Study of the Jalgaon Region
Author Name(s): Prof. Mridula Deshpande, Mr. Manoj Deshpande
Published Paper ID: - IJCRTBQ02005
Register Paper ID - 302303
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02005 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02005 Published Paper PDF: download.php?file=IJCRTBQ02005 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02005.pdf
Title: PASSENGER AVIATION AS A CATALYST FOR TOURISM DEVELOPMENT, HOSPITALITY INNOVATION, AND ENTREPRENEURIAL GROWTH: A CASE STUDY OF THE JALGAON REGION
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 19-26
Year: April 2026
Downloads: 43
E-ISSN Number: 2320-2882
Passenger aviation has emerged as a significant force in transforming regional economies by improving accessibility, accelerating tourism movement, and opening new avenues for entrepreneurial activity. In developing regions, the interconnection between aviation, tourism, and hospitality has become increasingly important for fostering innovation-driven growth. This study investigates the contribution of passenger airlines to tourism expansion, hospitality sector development, and entrepreneurial opportunities in the Jalgaon region of Maharashtra, a Tier-III destination with growing economic and tourism prospects. The paper examines how enhanced air connectivity influences travel demand, visitor inflow, accommodation utilisation, and the growth of hospitality-related businesses such as hotels, eateries, travel services, and support enterprises. It further evaluates the role of passenger aviation in encouraging local entrepreneurship by enabling market access, stimulating service innovation, and strengthening linkages within the regional tourism ecosystem. The study also considers the impact of regional airport operations on destination branding and business confidence. A descriptive and analytical research approach is adopted, combining primary data collected through surveys and structured interactions with hospitality entrepreneurs, tourism stakeholders, and aviation professionals, along with secondary data sourced from official aviation and tourism publications. The findings reveal a strong association between passenger aviation development and increased tourism activity, which in turn supports the expansion and diversification of hospitality enterprises in the region. Improved connectivity has facilitated higher tourist arrivals, enhanced service quality, and the emergence of innovative small-scale ventures. The study concludes that passenger aviation functions as a strategic enabler rather than merely a mode of transport, playing a vital role in promoting tourism-led entrepreneurship and innovation within the hospitality sector of regional economies. The findings offer practical implications for policymakers and planners seeking integrated approaches to sustainable regional tourism and enterprise development.
Licence: creative commons attribution 4.0
Passenger Aviation; Regional Air Connectivity; Tourism Development; Hospitality Innovation; Entrepreneurial Ecosystem; Regional Economic Growth; Jalgaon Tourism; Aviation-Led Development; Service Sector Entrepreneurship
Paper Title: THE ROLE OF HR ANALYTICS IN IMPROVING PERFORMANCE APPRAISAL SYSTEMS WITHIN MAHARASHTRA'S MANUFACTURING INDUSTRY
Author Name(s): Mr.Aadesh Sandip Jain
Published Paper ID: - IJCRTBQ02004
Register Paper ID - 302304
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02004 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02004 Published Paper PDF: download.php?file=IJCRTBQ02004 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02004.pdf
Title: THE ROLE OF HR ANALYTICS IN IMPROVING PERFORMANCE APPRAISAL SYSTEMS WITHIN MAHARASHTRA'S MANUFACTURING INDUSTRY
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 16-18
Year: April 2026
Downloads: 41
E-ISSN Number: 2320-2882
In the current dynamic and competitive economic climate, Maharashtra's manufacturing companies are under growing pressure to improve employee performance and operational effectiveness. Accurate insights for strategic decision-making and staff development have proven to be limited by traditional performance appraisal systems, which are frequently subjective and time-consuming. This study investigates the potential of Human Resource (HR) Analytics as a game-changing instrument for improving performance evaluation procedures in Maharashtra's manufacturing industry. In order to more objectively assess employee performance, spot productivity trends, and match personal aspirations with corporate goals, HR Analytics uses data-driven methodologies to combine quantitative measurements and qualitative insights. This study looks at how using HR analytics improves appraisal systems' dependability, equity, and transparency while lowering bias and fostering on going performance improvement. The study highlights important analytical measures, technical enablers, and implementation problems using a mixed-methods approach that includes surveys with HR professionals, interviews with plant managers, and case analysis of particular manufacturing units. Results show that HR analytics enhances strategic workforce planning, increases employee engagement, and supports operational excellence in addition to increasing the accuracy of performance reviews. The report ends with useful suggestions for manufacturing companies looking to include HR Analytics into their performance management systems, stressing the significance of data infrastructure, analytics proficiency, and leadership dedication
Licence: creative commons attribution 4.0
Workforce Productivity, Data-Driven Decision Making, Employee Performance, Manufacturing Industry, HR Analytics, Performance Appraisal System, and Organizational Effectiveness Maharashtra.
Paper Title: Digital Finance and Risk Management: Challenges, Findings, and Strategic Solutions
Author Name(s): Dr. Manisha
Published Paper ID: - IJCRTBQ02003
Register Paper ID - 302305
Publisher Journal Name: IJPUBLICATION, IJCRT
DOI Member ID: 10.6084/m9.doi.one.IJCRTBQ02003 and DOI :
Author Country : Indian Author, India, - , -, - , | Research Area: Science and Technology Published Paper URL: http://ijcrt.org/viewfull.php?&p_id=IJCRTBQ02003 Published Paper PDF: download.php?file=IJCRTBQ02003 Published Paper PDF: http://www.ijcrt.org/papers/IJCRTBQ02003.pdf
Title: DIGITAL FINANCE AND RISK MANAGEMENT: CHALLENGES, FINDINGS, AND STRATEGIC SOLUTIONS
DOI (Digital Object Identifier) :
Pubished in Volume: 14 | Issue: 4 | Year: April 2026
Publisher Name : IJCRT | www.ijcrt.org | ISSN : 2320-2882
Subject Area: Science and Technology
Author type: Indian Author
Pubished in Volume: 14
Issue: 4
Pages: 12-15
Year: April 2026
Downloads: 43
E-ISSN Number: 2320-2882
Digital finance has revolutionized financial services through innovations such as mobile banking, digital payments, fintech platforms, artificial intelligence (AI), blockchain, and digital lending. These technologies enhance financial inclusion, reduce transaction costs, and improve service efficiency. However, the rapid expansion of digital finance has also introduced new and complex risks, including cybersecurity threats, fraud, data privacy concerns, algorithmic bias, regulatory challenges, and systemic financial instability. This research paper examines the relationship between digital finance and risk management, identifies major risk categories, and evaluates modern risk management strategies used by financial institutions and regulators. A conceptual and secondary-data-based methodology is adopted using existing research papers, reports, and regulatory frameworks. Findings suggest that while digital finance improves accessibility and operational efficiency, it increases exposure to operational and technological risks. The study recommends integrated digital risk governance, stronger cybersecurity frameworks, AI-driven fraud monitoring, and robust regulatory coordination to ensure secure and sustainable digital financial ecosystems.
Licence: creative commons attribution 4.0
Digital finance, risk management, fintech, cybersecurity risk, fraud detection, digital banking, operational risk, regulatory compliance, AI in finance

