The rapid growth of the digital economy has brought unprecedented advantages, enabling seamless transactions, real-time data exchange and global connectivity for the businesses. However, this digital expansion has also exposed businesses, governments and individuals to an evolving landscape of cyber threats. Traditional cybersecurity frameworks which rely heavily on centralized models are increasingly proving inadequate in the face of sophisticated cyber intrusions. Blockchain technology is a decentralized, cryptographically secure and immutable ledger system that introduces an innovative approach to cybersecurity. This research article examines the role of blockchain technology in enhancing cybersecurity, discussing its capabilities in securing online transactions, ensuring data integrity, preventing cyber threats and facilitating a proactive security mechanism against cyberattacks for businesses by integrating the CHIPS framework (Connect–Harness–Innovate–Protect–Sustain). This framework emphasizes the ability of blockchain to Connect stakeholders via trust less networks, Harness distributed ledgers to ensure data integrity, Innovate mechanisms for secure transactions, Protect digital assets with tamper resistant architectures and Sustain long term cyber resilience through scalable and adaptable systems. This study also highlights the effectiveness of this integration in securing digital transactions, thwarting cyberattacks and facilitating proactive cybersecurity strategies in business operations.
Introduction: The study examined how Distributed Ledger Technology (DLT) can play a role in business ethics and how the ethical conduct of business can help consumers have more confidence in the global supply chain. It further explored how the adoption of Ethical Sourcing Practices (ESP) mediates the relationship between DLT adoption and consumer confidence in the Saudi Arabian context. Methods: A purposive sampling approach was followed in accordance with a positivist approach. In order to gather the information among 355 respondents, an online survey was distributed, and the data have been analysed with the help of partial least squares structural equation modelling (PLS-SEM) in SmartPLS 4.0. Results: The findings of the PLS-SEM established that DLT significantly predicted Ethical Sourcing Practices (0.641, p < 0.001) whereas ethical sourcing practices also had significant and positive impact on perceived consumer trust (0.518, p < 0.001). The direct effect of DLT on perceived consumer trust was significantly positive (β = 0.325, p < 0.001). The model explains 41% of ESP and 59% of trust. Additionally, a significant indirect effect of DLT on perceived consumer trust via ethical sourcing practices was confirmed, indicating partial mediation (β = 0.331, p < 0.001). Conclusion: This research combined model that correlates DLT adoption, ethical sourcing practices, and perceived consumer trust using the TOE and signalling theories. It uses data on multi-industry supply chains from multi-industry surveys (Saudi Vision 2030) to illustrate the capacity of blockchain-enabled sourcing capabilities and turn it into a trust gain. The research involves the cross-sectional survey data, which would allow finding statistical correlations but would not allow to establish the causality. Additionally, the results may not apply to all individuals in the industry.
The application of blockchain-based smart contracts within Islamic finance presents both opportunities and significant governance challenges. While these technologies promise enhanced efficiency, automation, and immutability, their integration into Shariah-compliant financial instruments, such as Murabaha, Ijarah, and Sukuk, raises critical concerns regarding auditability, interpretive flexibility, and adherence to foundational Islamic legal and ethical principles. This study examines the tensions between automation and religious oversight by investigating how smart contracts intersect with Shariah governance and IT audit frameworks in Islamic financial institutions.Utilizing a qualitative multiple-case study approach, the research draws on semi-structured interviews with Shariah scholars, auditors, compliance officers, and blockchain developers across Islamic fintech ecosystems in Malaysia, Bahrain, Kingdom of Saudi Arabia and the United Arab Emirates. Thematic analysis, supported by document review, reveals systemic challenges in embedding ethical discretion and human oversight into immutable contractual code. Analytical framing is guided by established IT assurance frameworks (e.g., COBIT, ISO 27001) and Shariah governance standards issued by AAOIFI and IFSB.Findings highlight the emergence of "risk zones" where algorithmic rigidity, audit traceability limitations, and ethical ambiguity converge, potentially undermining religious compliance. In response, the study proposes a conceptual governance model that integrates technological assurance mechanisms with structured Shariah supervisory engagement. The findings contribute to the discourse on responsible FinTech governance in Islamic finance and offer practical implications for policymakers, auditors, and technology developers navigating the intersection of blockchain innovation and faith-based financial regulation.
Ashwag Alotaibi, Huda Aldawghan, M. M. Hafizur Rahman
This study summarizes the body of research on the IoT and NFTs overlap, highlighting important security concerns, the function of blockchain technology, and implications for future study and smart environment applications. IoT devices provide creative solutions that boost operational effectiveness and enhance user experiences as they spread throughout different sectors. But there are also serious drawbacks to this expansion, especially in terms of security and privacy. At the same time, NFTs unique digital assets verified by blockchain technology—have become extremely popular because of their unique features and wide range of uses. This paper carefully looks at how security frameworks in digital ecosystems may be impacted by the integration of IoT and NFTs. The results emphasize how urgently this integration must be studied further to minimize new risks and maximize the advantages of IoT and NFTs across a variety of sectors. The study intends to contribute to a more secure and effective IoT ecosystem by examining the difficulties presented by this integration. Contributing to the development of a more robust and secure IoT ecosystem is the ultimate aim of this research. This study aims to open the door for future developments that optimize the benefits between the two technologies while reducing risks by recognizing and evaluating the difficulties brought about by the integration of IoT and NFTs. Both academics and industry stakeholders navigating the rapidly changing IoT and blockchain world will find great significance in the results of this research.
Accounting is undergoing a radical transformation due to the integration of traditional information systems with blockchain technology and artificial intelligence. Openness, automation, and smart decision-making will all become a reality via this connection. However, traditional SAIS are typically centralized and do not inherently include blockchain or AI. In this study, Smart Accounting Information System (SAIS) technologies are redefined through the integration of these technologies to enhance transparency, automation, and real-time assurance. Blockchain technology's immutability, traceability, and AI's ability to recognize abnormalities and predict provide a more intelligent and secure auditing process. Conventional accounting methods have several issues, including delayed audits, lack of transparency, fraud, and human mistakes. Existing systems fail to provide intelligent anomaly detection and real-time transaction traceability. Financial reporting and audits need immutable records and proactive analytics. There is an urgent need for a single framework to ensure this requirement and its quick implementation. This study proposes the collaborative blockchain-AI audit trails method (CBAATM) for Smart Accounting Information Systems. This is done due to the difficulties mentioned. AI-powered modules utilize fuzzy inference to dynamically analyze audit risks and Random Forest classifiers to detect real-time fraud. This research project utilizes zero-knowledge proofs and homomorphic encryption to simultaneously handle data aggregation, privacy, and independent audits. Using middleware application programming interfaces makes integration with ERP and AIS systems easy. Throughout the testing process, the model outperforms conventional audits. The methodology, according to statistical research, ensures the detection accuracy ratio of 95%, integrity of the blockchain 99.2% of the time, identifies abnormalities 94.1% of the time, satisfies compliance standards 95.4% of the time, and reduces audit latency by 41.5% compared to other existing models.
Abstract The demand for secure, effective, and scalable payment systems has increased due to the rise of Internet-based financial transactions. Through traditional techniques, such as Proof of Work (PoW), conventional financial systems often encounter issues with high transaction latency, concerns about fraud, and excessive energy consumption. These problems are widespread in traditional systems. This research proposes a Secure Hybrid Consensus Protocol (SHCP) with the intention of enhancing the effectiveness, velocity, and reliability of financial transactions based on Blockchain technology. The Proof of Stake (PoS) protocol is combined with the Byzantine Fault Tolerance (BFT) protocol by SHCP. Through the utilization of adaptive prioritization, Bayesian inference, and anomaly recognition, SHCP can incorporate the most advanced fraud detection technology. The SHCP framework uses anomaly recognition to identify fraud with 92% accuracy, 38% faster validation, and 43% less energy than PoW-based systems. The system delivers ~ 7,000 TPS (Transactions Per Second) and a 27% increase in decision risk prediction stability. Anomaly scoring, Bayesian inference, and adaptive prioritization aid fraud detection. These advances enable safe, rapid, and affordable financial transactions, creating a sustainable Blockchain-based payment ecosystem.
The rapid evolution of cyber threats has exposed fundamental weaknesses in traditional intrusion detection systems, particularly those dependent on centralized architectures vulnerable to data tampering, single-point failures, and delayed threat response. As organizations face increasingly sophisticated attacks, a resilient and transparent framework for detecting and validating abnormal activity has become essential. This study examines the design and effectiveness of a blockchain-based intrusion detection system (BIDS) that leverages distributed consensus, immutable logging, and cooperative threat intelligence to enhance the reliability and responsiveness of security operations. By integrating blockchain technology with anomaly-based and signature-based identification methods, the proposed model establishes a secure environment where intrusion data cannot be altered, suppressed, or manipulated by internal or external adversaries. Through experimental evaluation across simulated network environments, the blockchain-enabled detection model demonstrates significant improvements in event accuracy, traceability, and coordination between participating nodes. The decentralized ledger structure ensures that alerts are validated collectively, reducing false positives and limiting the adversary’s ability to compromise the detection process. The integrity of recorded events also enhances forensic analysis, allowing security teams to reconstruct attack sequences with greater confidence. Additionally, the study reveals that the distributed nature of the system provides high fault tolerance, enabling continuous operation even under attempted denial-of-service conditions or node outages. Performance analysis indicates that blockchain integration does introduce additional computational overhead; however, the trade-off is compensated by the increased transparency, data authenticity, and resistance to insider threats that the system delivers. The research further highlights that smart contracts can automate rule enforcement and improve response mechanisms by triggering protective actions when predefined thresholds are met. This automation contributes to shortening detection-to-response timelines, a critical factor in mitigating fast-moving cyberattacks. Overall, the findings suggest that blockchain-powered intrusion detection represents a promising direction for strengthening network security in decentralized, cloud-based, and large-scale enterprise environments. By combining autonomous threat identification with tamper-proof logging and distributed validation, the proposed approach offers a comprehensive pathway for defending modern digital infrastructures against evolving cyber risks. The study concludes that integrating blockchain technology with intrusion detection principles not only reinforces system resilience but also lays the groundwork for more collaborative, transparent, and secure cybersecurity ecosystems.
Background Global supply chains are increasingly challenged by disruptions, environmental pressures, and evolving market demands, necessitating a strong digital transformation. This study explores how the integration of Artificial Intelligence (AI), Blockchain, and the Internet of Things (IoT) is revolutionizing supply chain management (SCM) by improving operational efficiency, transparency, resilience, and sustainability. Methods Adhering to the PRISMA framework, a systematic review of literature published between 2010 and 2024 was undertaken. Comprehensive searches were conducted in Scopus database. The collected literature was rigorously screened and analyzed using Atlas-ti software to identify recurring themes and assess the synergistic impact of AI, Blockchain, and IoT on supply chain operations. Results The review reveals that digital transformation significantly improves SCM through improved demand forecasting, optimized inventory management, and real-time decision-making capabilities. AI provides predictive insights that mitigate risks and streamline processes, Blockchain offers secure, transparent, and immutable records that improve trust and traceability, and IoT enables real-time monitoring and connectivity across the supply chain network. Despite these benefits, challenges remain, including cybersecurity vulnerabilities, interoperability with legacy systems, and the need for workforce upskilling. Conclusion The integration of AI, Blockchain, and IoT into SCM presents a compelling pathway toward creating more resilient and sustainable supply chains. The paper offers a comprehensive analysis of the benefits and challenges associated with these digital technologies and provides strategic recommendations for practitioners and policymakers to encourage a balanced, technology-driven, and sustainable supply chain ecosystem. JEL codes O33, M11, M15
Abdul Razaque, Saule Amanzholova, Galimkair Mutanov, Olga Ussatova · 8 authors
This article focuses on developing an anti-corruption system for certifying students’ academic achievements in Kazakhstani higher education institutions by utilizing blockchain and artificial intelligence AI technologies. We specifically propose the Academic Integrity Verification System (AIVS), a revolutionary system that combines blockchain’s tamper-proof storage with AI’s anomaly detection capabilities. The system reduces major risks in traditional academic record management while ensuring transparency, precision, and proactive fraud detection. The simulation was conducted at the International Information Technology University (IITU) using Ethereum-based blockchain and AI models. In simulated testnet experiments, AIVS achieved an 85% reduction in verification time compared to traditional processes and delivered a 95% overall model accuracy in record validation. These results demonstrate the potential of blockchain and AI integration for improving efficiency and integrity in academic verification workflows. These findings demonstrate that our proposed AIVS enhances academic transparency, reduces corruption, and provides a scalable framework for secure academic record management. The proposed strategy marks a significant step forward in the governance of digital education in Kazakhstan and abroad.
Ra’ed Fawzi Aburoub, Nabeel Mahdi Althabhawi, Mohamad Rizal Abd Rahman, Ammar Abbas Kadhim
This paper explores the lifecycle of a smart contract, from the stages of coding and deployment to execution and verification, in order to show that a smart contract can indeed be self-executing, transparent, and immutable. While such functionalities introduce efficiency, trust, and reliability within industries such as financial, supply chain management, and health sectors, smart contracts at the same time have a host of technical and legal challenges arising. This paper identifies key issues: critical vulnerabilities in coding, deployment on immutable blockchains, address assignment complexities, triggering mechanisms, and aspects of privacy. This study has adopted a critical analytical approach to evaluate the technical and legal aspects of smart contract formation, complemented by inductive reasoning to derive general insights and recommendations from specific cases and patterns. The study states that the apt legal framework must be provided for liability, regulatory compliance, and solutions that would be unlooked-for. It further supports hybrid models that blend automation with human oversight, superior communication protocols regarding updating an address, and the use of technologies that allow transparency with the preservation of confidentiality in a balance. The concrete ideas it offers are attempts at technology design aligned with legal frameworks by bringing developers, regulators, and stakeholders together in implementing certain solutions. It emphasizes that continuous research will hence be important to assure reliability, security, and equitability in the adoption of smart contracts, expanding possibilities for their application in an increasingly changing digital environment.
Permissionless blockchains have evolved beyond cryptocurrency into foundations for Web3 applications, decentralized finance (DeFi), and digital asset ownership, yet this rapid expansion has intensified privacy vulnerabilities. This study provides a comprehensive review of recent trends, emerging privacy threats, and mitigation strategies in permissionless blockchain ecosystems. We examine six developments reshaping the landscape: meme coin proliferation on high-throughput networks, real-world asset tokenization linking on-chain activity to regulated identities, perpetual derivatives exposing trading strategies, institutional adoption concentrating holdings under regulatory oversight, prediction markets creating permanent records of beliefs, and blockchain–AI integration enabling both privacy-preserving analytics and advanced deanonymization. Through this work and forensic analysis of documented incidents, we analyze seven critical privacy threats grounded in verifiable 2024–2025 transaction data: dust attacks, private key management failures, transaction linking, remote procedure call exposure, maximal extractable value extraction, signature hijacking, and smart contract vulnerabilities. Blockchain exploits reached $2.36 billion in 2024 and $2.47 billion in the first half of 2025, with over 80% attributed to compromised private keys and signature vulnerabilities. We evaluate privacy-enhancing technologies, including zero-knowledge proofs, ring signatures, and stealth addresses, identifying the gap between academic proposals and production deployment. We further propose a Secure Development Lifecycle framework incorporating measurable security controls validated against incident data. This work bridges the disconnect between privacy research and industrial practice by synthesizing current trends, providing insights, documenting real-world threats with forensic evidence, and providing actionable insights for both researchers advancing privacy-preserving techniques and developers building secure blockchain applications.
Abstract Blockchain technology has become a transformative solution for secure and transparent digital ecosystems. This paper explores how decentralization, cryptographic hashing, distributed consensus, and immutable ledger architecture contribute to advanced data protection in the IT industry. The study integrates findings from existing literature, evaluates blockchain’s practical applications in sectors including finance, healthcare, supply chain, and governance, and examines a proposed multi-layer blockchain framework. The research highlights blockchain’s advantages in enhancing confidentiality, integrity, availability, and auditability, while identifying its limitations such as scalability, regulatory constraints, and environmental impact. Future scope emphasizes integration with AI, IoT, Web 3.0, quantum-resistant models, and cross-chain interoperability. Overall, the study concludes that blockchain is a critical technology for advancing trust-driven IT infrastructures. Keywords Blockchain, Data Security, Transparency, Decentralization, Smart Contracts, IT Industry
<p>Existing financial systems are bloated with inefficiencies in their operation, lack of transparency and are characterized by and fallible and fragile accumulation points, whereas emerging decentralized finance (DeFi) platforms lack intelligent risk management, self-adaptive governance and provable security assurances. This paper proposes the Intelligent, Verifiable Financial Ledger (IVFL), a novel framework that harmoniously converts both Artificial Intelligence (AI) and blockchain to counteract their core drawbacks. AI-based smart contracts of a formally verifiable character that allows the intelligent, secure and auditable automated execution of complex financial transactions an agile and informed governance system, which is represented by the use of AI enhancements to the Decentralized Autonomous Organization (DAO). Simulation analysis shows that the IVFL framework enables substantial enhancements compared to baseline models, such as detecting anomalies with over 95% accuracy, decreasing operational overhead by 40 percent and becoming less vulnerable to coordinated network attacks. Coming back to provable security and adaptive intelligence, the IVFL framework represents a credible way of creating financial systems.</p>
Hanouf Al Ghanmi, Sabreen Ahmadjee, Rami Bahsoon, Hayatullahi Bolaji Adeyemo
Blockchain smart contract technology has revolutionised various industries by automating agreements through immutable and self-executing logic, reducing reliance on third-party intermediaries. However, despite its transformative potential, existing research has predominantly focused on technical aspects—particularly security—while largely neglecting human-in-the-loop concerns. Systematic efforts to explore these concerns from a human perspective have been limited which creates a gap in the literature. This study aims to address this gap by offering a comprehensive understanding of smart contracts from a human-centred perspective. To achieve this, we conducted a systematic literature review to examine human-related issues in smart contracts and their existing solutions. We found that concerns are primarily concentrated in two stages: development and interaction. During the development stage, issues arise in relation to programming languages, including complexity, readability and expressiveness, as well as the legality of smart contracts and their ethical and social implications. In the interaction stage, concerns focus on usability, human readability, trust, governance and cost. Additionally, we identified several quality attributes frequently associated with these concerns such as transparency, accountability, understandability, simplicity, learnability, compliance and fairness. We also uncovered new human-centred quality attributes that are overlooked in existing literature, such as explainability and interpretability. This research offers valuable insights for researchers, requirements engineers and designers by examining existing efforts to address human-centric concerns and proposing future directions and opportunities to improve smart contract design.
Decentralized finance (DeFi) uses smart contracts to automate payments, lending, and asset management, but current blockchains often suffer from slow, expensive, and energy-hungry execution. In this project, I explore a quantum-enhanced optimization framework for smart contract–based financial services. The main idea is to treat gas use, transaction ordering, and resource allocation as optimization problems that can be tackled by hybrid quantum–classical algorithms. Using a conceptual model, I map smart contract execution to cost functions suitable for the Quantum Approximate Optimization Algorithm (QAOA) and the Variational Quantum Eigensolver (VQE). I then compare, at a qualitative level, how these quantum-inspired approaches differ from classical heuristics in terms of expected throughput, latency, and cost. A focused literature review on quantum computing, blockchain scalability, and quantum-safe cryptography provides context for these ideas. The results suggest that quantum-enhanced optimization could reduce gas fees, improve transaction scheduling, and support more efficient consensus under heavy load. The project also discusses the need for post-quantum security so that future quantum computers do not undermine blockchain trust. Overall, the work outlines how quantum computing might contribute to faster, safer, and more sustainable automated financial systems.
Grounded into Innovation Diffusion Theory and Technology Acceptance Model, the purpose of this study was to evaluate the impact of AI-powered financial services on financial access in the Saudi Arabian fintech sector. To achieve this aim, the research employed SEM analysis on the collected data from 194employees working in the departments related to AI-based services, staff members of fintech firms, and owners of small enterprises who use digital financial solutions in Riyadh, Jeddah, and Dammam. The results reveal that AI-based robo-advisory platforms, fraud detection, and credit scoring servicessignificantly improved financial access demonstrating that AI adoption in financial services can play a transformative role in promoting inclusion and reducing barriers for underserved populations whereas AI-based personalized banking solutions showed insignificant impact suggesting that while personalization may enhance user satisfaction or loyalty, it does not directly translate into increased access to financial services. In practical terms, the findings imply that fintech companies and financial institutions should prioritize AI-enabled services as a means of expanding access to professional financial advice which requiresa multi-stakeholder approach, where fintech firms, regulators, and policymakers collaborate to maximize the benefits of AI-powered financial services while minimizing associated risks. Furtherresearch should be carried out adopting longitudinal design and mixed methodology to study the role of emerging technologies such as blockchain-based identity verification, AI-driven insurance, or decentralized finance platforms on financial access.
Crowdfunding websites tend to have centralized escrow infrastructure, which can create concerns over the lack of transparency, security threats, and fraud vulnerability. The proposed system, a hybrid blockchain–AI architecture, combines Ethereum-based smart contracts and machine learning-based fraud detection to result in a decentralized and transparent crowdfunding space. The blockchain layer ensures accountability with controlled release of funds based on milestones, limiting the tendency to spend funds more due to the cryptocurrency nature with the AI module detecting fraudulent activity based on analysis of textual, transactional, temporal, and reputation data. Experimentation proves that the proposed system promotes higher trust, reduces transaction cost, and signifies a robust fraud detection model compared to conventional crowdfunding models. The results suggest creating a combination of the immutability of blockchains with the analytical power of AI as a potential route to safer and more effective decentralized finance apps.
Mohd. Sultan Ahammad, Maisha Maliha, Nilufa Easmin Nila, Md Shofiqul Islam
Blockchain technology is revolutionizing industries by fundamentally transforming data management and storage practices. Traditional banking systems, however, continue to face challenges such as dependency on intermediaries, lack of transparency, vulnerability to fraud, and restricted accessibility. To overcome this limitation, we propose an innovative blockchain framework built on the Ethereum platform to enhance security and efficiency in banking. The proposed system eliminates intermediaries by using Ethereum-based smart contracts to enable secure, automated peer-to-peer (P2P) deposits, withdrawals, and transfers while incorporating a user-friendly interface with MetaMask and custom wallets for accessibility. The architecture was implemented and tested on the Sepolia Ethereum Testnet using Solidity, Ether.js, and React.js, ensuring seamless interaction between the smart contract and the user interface. Our experimental evaluation demonstrated significant improvements in transaction speed, transparency, and operational efficiency compared to traditional systems, with near real-time processing and automated verification. Performance benchmarking showed competitive latency and throughput, while gas cost analysis highlighted trade-offs in transaction expenses compared to conventional banking. These findings suggest that our blockchain framework has strong potential to address long-standing inefficiencies in the financial sector. While challenges remain, including scalability and regulatory considerations, this work offers a concrete and impactful step toward the practical adoption of blockchain in mainstream banking.
Prajakta Sudhir Khade, Aarushi Santosh Gode, Rajeshkumar U. Sambhe
The exponential rise of cyber threats has revealed the vulnerabilities of centralized security systems, including susceptibility to insider attacks, single points of failure, and regulatory inefficiencies. This paper investigates blockchain as a transformative backbone for cybersecurity, focusing on its potential to ensure data integrity, decentralize trust, and mitigate advanced cyber risks. Beginning with a comprehensive literature review, the study examines the fundamentals of blockchain technology—distributed ledgers, consensus mechanisms, and cryptographic primitives—that enable tamper-proof, transparent, and secure digital ecosystems. The challenges of centralized systems are contrasted with blockchain’s resilience, highlighting its role in eliminating bottlenecks and enhancing trust. Applications across identity management, IoT security, supply chains, and e-governance are analyzed alongside a proposed methodology that integrates blockchain with artificial intelligence, IoT, and quantum-resilient models. Real-world case studies demonstrate blockchain’s adoption in healthcare, government, and industrial systems, while challenges such as scalability, interoperability, and compliance are critically assessed. Collectively, this study underscores blockchain’s pivotal role in shaping next-generation cybersecurity architectures.
Blockchain technology has revolutionized digital transactions by offering decentralization, transparency, and immutability. However, its inherent transparency often conflicts with the need for user privacy and anonymity, raising significant concerns regarding accountability, especially in regulatory and legal contexts. This study explores the delicate balance between anonymity and accountability in blockchain systems, proposing a framework that ensures both privacy and compliance with regulatory requirements. The research addresses key challenges in balancing these two aspects, evaluates the effectiveness of existing privacy-preserving technologies such as zero-knowledge proofs and ring signatures, and introduces the Privacy-Accountability Balanced Blockchain (PABB) Framework. This framework integrates Selective De-Anonymization, Self-Sovereign Identity (SSI), and the Adaptive Privacy-Accountability Control (APAC) Algorithm to dynamically adjust privacy levels based on regulatory conditions. Through theoretical analysis, mathematical modeling, and empirical validation, preserving privacy for 92% of transactions while enabling selective de-anonymization in high-risk cases, the study demonstrates that the APAC Algorithm effectively balances privacy and compliance needs. The findings suggest that privacy-conscious blockchain systems can coexist with accountability mechanisms, paving the way for ethical and legally sound blockchain applications. The study concludes that the PABB Framework offers a practical and scalable approach to achieving this balance, fostering trust among users and regulators alike.
Blockchain technology is rapidly becoming one of the most groundbreaking technologies for revolutionizing supply chain management with unprecedented security, transparency, and efficiency. This paper presents a comprehensive literature review of blockchain and its applications in leading industries such as transportation, manufacturing, food and beverage, and healthcare. Blockchain applies distributed ledger technology to secure tamper-evident record-keeping, which significantly enhances traceability and provenance verification across complex supply chains. By integrating smart contracts, IoT connectivity, and decentralized financial services, blockchain can solve significant challenges, such as counterfeiting, supplier management, and enforcing sustainable and responsible sourcing practices. Despite these benefits, the mass-scale adoption of blockchain faces serious challenges, such as scalability, interoperability, regulatory ambiguity, and a lack of standardized frameworks. The report also addresses the environmental concerns of blockchain’s power-intensive proof-of-work algorithm and discusses ways to counteract them. Future developments in artificial intelligence and 5G networks will continue to evolve supply chain management in ways that unleash unmatched efficiency and potential.
This study investigates prospective Arab customers’ intentions to use cryptocurrencies. Using a quantitative approach, cross-sectional data from a purposive sample of 437 respondents were collected. The survey was distributed via 13 well-known social media platforms and Arab-focused social media groups. Direct, mediating, and moderating hypotheses are tested using structural equation modeling (SEM). The findings confirmed that the association between Digital Techno-stress (DTS) and the Intention to Adopt Cryptocurrency (IACR) is moderated by Ethical Issues (EI). Nevertheless, the study found that government regulations (GR) had no moderating effect on Arab cryptocurrency investors. The findings emphasize the necessity of ethical frameworks to increase credibility in Arab cryptocurrency marketplaces by fostering user-centric trading platforms, lowering techno-stress, and fostering trust.
New technologies, such as blockchain, are designed to address various system weaknesses, particularly those related to security. Blockchain can enhance numerous aspects of traditional banking systems by transforming them into digital, immutable, secure, and anonymous ledger. This paper proposes a new banking application ALBank, which is based on blockchain and smart contract technologies. Its functionality relies on invoking functions within smart contracts deployed on the Ethereum blockchain. This approach enables decentralization and enhances both security and trust. In this context, the paper first presents a critical analysis of existing research on blockchain and traditional banking systems, with a focus on their respective challenges. It then examines the Know Your Customer (KYC) process and its various models. Finally, it introduces the design and development of ALBank, a decentralized banking application built on the Ethereum blockchain using smart contracts. The results show that the integration of blockchain and smart contracts effectively addresses key issues in traditional banking systems, including centralization, inefficiency, and security vulnerabilities by storing critical data on a decentralized, immutable ledger, managing processes autonomously, and making transactions transparent to all users.
Supply chain operations that include blockchain technology have the potential to improve cybersecurity and data integrity. The complexity and interconnectedness of global supply chains make it imperative to guarantee the security and validity of data for all parties involved. Because blockchain technology is decentralized, transparent, and unchangeable, it offers a perfect solution to common supply chain weaknesses, including fraud, data tampering, and illegal access. The use of blockchain technology to protect important data at each link in the supply chain—from manufacturing and procurement to distribution and delivery—is examined in this article. By leveraging smart contracts, cryptographic security, and distributed ledger systems, blockchain can ensure the traceability of goods, validate transactions, and protect sensitive information from cyber threats. The paper also highlights how blockchain has the potential to completely transform supply chain management security while addressing issues like scalability, integration with current systems, and regulatory considerations. In the end, this study highlights how blockchain technology may improve data integrity, lower cyber threats, and foster trust among supply chain actors.