The nexus of green finance and digital banking is transforming the world financial system on the twin pillars of environmental sustainability and technological innovation. Topic modeling is utilized in this study to examine nascent trends on the basis of a corpus of around 481 records of the Web of Science database. Six leading topics are: (1) Digital Financial Inclusion and Sustainable Development, (2) Green Finance and Digital Innovation, (3) Fintech and Sustainable Financial Services, (4) Climate and Environmental Sustainability Digital Banking, (5) Blockchain and Transparency in Sustainable Finance, and (6) AI and Big Data in Sustainable Financial DecisionMaking. Digital banking is enabling financial inclusion, especially in rural villages, and supporting the United National Sustainable Development Goals (SDGs). Fintech technologies such as mobile banking, blockchain, and AI are propelling access to green financial products, transparency, and climate risk analysis. Blockchain is providing traceability of green bond issuance, while AI-based tools are offering real-time analysis of sustainability risk. Fintech innovation such as ESG-driven robo-advisors are giving access to sustainable financial services to everyone and facilitating decentralized investment in clean energy projects. Yet, issues like digital literacy deficits, cyber-attacks, and the environmental cost of blockchain mining persist. Regulatory schemes must continue to change and meet these to facilitate the promotion of inclusive access to sustainable financial services. This essay points out the necessity of harmonized ESG reporting mechanisms, AI transparency in governance, and inclusive regulation for facilitating the incorporation of sustainability in electronic banking. The findings point out the transformative potential of digital technologies in remoulding sustainable finance with significant implications for financial institutions, regulators, and academics. Subsequent work must take note of developing technology like quantum computing and decentralized finance (DeFi) to continue advancing sustainable financial innovation.
Chuleeporn Changchit, Robert Cutshall, Long Pham, Eugene Bland
Cryptocurrencies, as a disruptive innovation in the financial sector, are reshaping traditional investment behaviors. Despite their growing adoption, many individuals remain hesitant to invest, influenced by both psychological and technological factors. This study integrates behavioral finance principles with the Unified Theory of Acceptance and Use of Technology (UTAUT), incorporating perceived security, perceived enjoyment, technology competency, and personality traits to examine their effects on cryptocurrency investment attitudes and intentions. Data from U.S. investors highlight how these factors shape investment decisions, with a particular focus on the moderating role of personality traits in the relationship between attitude and investment intention. Findings reveal that performance expectancy, perceived enjoyment, and perceived security significantly influence attitudes toward cryptocurrency investment and drive investment intention. Interestingly, openness negatively moderates this relationship, suggesting that individuals with high openness may be less likely to act on positive investment attitudes. However, other predictors including facilitating conditions, extraversion, agreeableness, conscientiousness, and neuroticism did not demonstrate any significant influence on investment attitudes or intentions. These insights contribute to the behavioral finance literature by highlighting how psychological and technological factors influence investment behavior. Practical implications extend to businesses, policymakers, and cryptocurrency platforms seeking to better understand and engage potential investors. Future research should explore additional behavioral and technological factors across diverse investor demographics and geographic contexts to further advance knowledge in this evolving field. • Performance expectancy and security enhance cryptocurrency investment attitudes. • Openness moderates the relationship between attitude and intention to invest. • Technology competency and effort expectancy negatively affect investment attitude. • Perceived enjoyment drives positive attitudes toward cryptocurrency investment. • Study integrates UTAUT with personality traits to explain cryptocurrency behavior.
Madhu S, Sowmya D N, Harish HN, Leelavathy AM, Anupama
Blockchain-based currencies and the decentralized web are reshaping commerce and investment by challenging traditional financial systems and introducing innovative transaction methods. Cryptocurrencies like Bitcoin and Ethereum leverage cryptography to ensure secure, independent transactions without central authorities, while Web 3.0 technologies such as blockchain enable decentralized and trustless systems. These advancements offer faster, more cost-effective, and transparent cross-border transactions by eliminating intermediaries, making them highly efficient for businesses. Additionally, these technologies promote financial inclusion by providing access to financial services for underserved populations, particularly in developing regions. Decentralized finance (DeFi), built on blockchain, has emerged as a transformative force, allowing users to borrow, lend, and trade assets without traditional institutions. The growing adoption of cryptocurrencies and Web 3.0 highlights their potential to revolutionize commerce, enhance efficiency, and create new investment opportunities.
Zaki Rangwala, Stefan Neskovic, Amirhossein Kompanizare
This study examines how well SSL/TLS and blockchain work to secure online transactions, especially purchase orders. Reviewing literature from 2013 to 2024 shows each method's key themes, benefits, and weaknesses. SSL/TLS is known for its strong encryption and solid framework but often has issues like centralization and threats from different attacks, leading to transaction delays and bottlenecks. On the other hand, blockchain technology uses decentralized protocols and features such as zero-knowledge proofs, promising better scalability and security, allowing for smooth and safe transactions without traditional middlemen. This comparison clarifies how effective each method is. It highlights the rise of blockchain as a viable option to the limits of SSL/TLS, deserving more study in e-commerce security.
<title>Abstract</title> Proposes Reg-Twin—a digitalization of the end-to-end process from transaction → alert → case → SAR/SEC reporting. It incorporates a built-in policy rule engine, reconciliation and drift monitoring, and strategy A/B sandboxing. Through hash-chain data inheritance + selective zero-knowledge proofs (ZK), it demonstrates key compliance points to regulators without data leakage. In simulations and replays across 3,500+ funds and 70+ institutions: - Consistency defects reduced by 41% - Cross-report discrepancies decreased by 36% - Closing cycles shortened by 22% - Estimated alert volume/personnel efficiency/SLA error for strategy changes ≤ ±5% ZK proofs minimize sensitive field disclosure while enabling auditable verification. Reg-Twin demonstrates a technical pathway where enhanced transparency coexists with reduced compliance costs.
Bollampelly Chandana, Hasan Hussain S, Ravi Kishore Veluri, Rák K · 6 authors
It caters to a decentralized, trusted ecosystem via smart contract management development with blockchain technology and artificial intelligence that automatically execute and enforce agreements. Complex and dynamic interactions are dealt with effectively and efficiently through blockchain technology. In the proposed virtual environment, blockchain is integrated into smart contact management. It solves the existing problems by applying hybrid optimization techniques, such as stochastic gradient and mini-batch stochastic optimization, which enhance auto-decision-making and optimize the data coming from complex structures. This technique improves scalability, latency, and resources utilization, hence optimizing the applications within the virtual platform. Other performance metrics that may be improved include transaction processing speed, resource utilization, and execution time of contracts. It is designed in a way to enhance supply chain management, decentralized applications, and virtual asset exchanges by making use of blockchain technology. The system ensures the reliability and transparency of smart contract execution with prevention from possible frauds and unauthorized modifications. Further, the results will be analyzed by using a Matlab simulation platform and compared with existing systems to get optimal results.
Σκοπός της παρούσας διπλωματικής εργασίας ήταν η διερεύνηση του φαινομένου της νομιμοποίησης εσόδων από εγκληματικές δραστηριότητες μέσω της χρήσης κρυπτοστοιχείων. Αρχικά, ορίστηκαν και κατηγοριοποιήθηκαν τα κρυπτοστοιχεία και αναλύθηκε ο τρόπος λειτουργίας τους με τη χρήση της τεχνολογίας του κατανεμημένου καθολικού. Στη συνέχεια, μέσα από την ανασκόπηση της εξέλιξης του φαινομένου της νομιμοποίησης παράνομων εσόδων, φτάνοντας στους σύγχρονους τρόπους εφαρμογής του, αναδείχθηκαν τα πλεονεκτήματα που παρέχει η χρήση κρυπτοστοιχείων στο πλαίσιο εγκληματικών πρακτικών νομιμοποίησης. Ακολούθως, αναλύθηκαν, συστηματικά οι κύριες μέθοδοι που χρησιμοποιούνται για τη νομιμοποίηση παράνομων εσόδων μέσω κρυπτοστοιχείων. Παρουσιάστηκαν πρακτικές που αξιοποιούν τόσο κεντρικά όσο και αποκεντρωμένα συστήματα, από μη αδειοδοτημένα κεντρικά έως αποκεντρωμένα ανταλλακτήρια, πλατφόρμες P2P και OTC μεσίτες, σε συνδυασμό με υπηρεσίες ανάμειξης, παρένθετα πρόσωπα (“money mules”) και τη μέθοδο μεταπήδησης σε άλλο blockchain (“chain hopping”). Ειδική αναφορά έγινε στα πορτοφόλια ιδιωτικότητας (privacy wallets), στα ιδιωτικά νομίσματα (privacy coins), στα σταθερά κρυπτονομίσματα (stablecoins) και στις μη εναλλάξιμες μάρκες (non fungible tokens/NFTs). Στο ίδιο πλαίσιο, επεξηγήθηκε η αξιοποίηση των αυτόματων μηχανημάτων ανάληψης κρυπτοστοιχείων (crypto-ATMs) και προπληρωμένων καρτών, τα οποία παρέχουν τη δυνατότητα ταχείας μετατροπής κρυπτοστοιχείων σε παραστατικά νομίσματα και αντιστρόφως. Παρουσιάστηκαν, επίσης, νεότερες, αναδυόμενες τεχνικές, ενδεικτικές της συνεχούς προσαρμογής των εγκληματικών μεθόδων στις τεχνολογικές εξελίξεις. Εξετάστηκε το υφιστάμενο νομοθετικό πλαίσιο, τόσο σε ευρωπαϊκό όσο και σε εθνικό επίπεδο, και αναλύθηκαν οι πρόσφατες κανονιστικές εξελίξεις, ήτοι ο Κανονισμός MiCA (ΕΕ 2023/1114) και η ευρωπαϊκή δέσμη νομοθετημάτων, γνωστή ως “AML Package”. Στο εθνικό επίπεδο παρουσιάστηκε ο Ν. 5193/2025, ο οποίος θεσπίστηκε με στόχο τη λήψη των αναγκαίων εθνικών μέτρων για την ορθή και ενιαία εφαρμογή των ανωτέρω ευρωπαϊκών πράξεων. Η εργασία κατέδειξε ότι, παρά τον επαναστατικό χαρακτήρα των κρυπτοστοιχείων ως τεχνολογικού εργαλείου και τις πολλαπλές εφαρμογές τους, αυτά δύνανται ταυτόχρονα να χρησιμοποιηθούν ως μέσο νομιμοποίησης παράνομων εσόδων. Η ταχύτητα της τεχνολογικής προόδου, σε συνδυασμό με την καθυστέρηση προσαρμογής του νομοθετικού πλαισίου, αποτελούν κρίσιμες σύγχρονες προκλήσεις για την αποτελεσματική αντιμετώπιση του φαινομένου.
U Parthiban, Vandhana Devi Pannerselvam, Ashok Murugesan, Kumar Ramasamy
Women still face persistent financial inclusion, employment verification, and wage transparency issues to their economic empowerment.Conventional hiring and financial systems impose disproportionate limitations on women to access credit and fair wages.ShePowerChain is a blockchain platform that aims to address these problems with decentralized finance, smart contracts, and verifiable credentials.ShePowerChain's secure, transparent, and automated transactions not only streamline processes but, depending on modeled scenarios, help reduce wage payment delays by 25% and increase women-led microloan access by 40%.By enabling secure, transparent, and automated transactions, ShePowerChain disintermediates, enhances job verification, and enforces wage fairness.The platform uses zero-knowledge proofs for privacy, multi-factor authentication for security, and Layer 2 scaling solutions for efficiency.While the results were from simulations and comparisons, they were not due to full real world usage.Comparative studies point to its potential to improve financial access, close wage gaps, and establish trust in hiring processes.The design also considers a serious ethical risk of excluding women who have low digital literacy, suggesting digital skills training, and adaptive strategies for community.Despite obstacles related to regulatory implications, and lack of digital literacy, blockchain provides an opportunity to facilitate and scale sustainable solutions to gender inclusive economic empowerment.
The creative environment has transformed because of the digital economy's explosive growth, particularly for digital artists who now produce, distribute, and monetize their work primarily through online channels. To preserve the financial sustainability of digital art actors, this study aims to investigate how digital financial literacy serves as a supporting element in crowdfunding and microfinance. Two hundred respondents working in various digital art domains, including graphics, music, and non-fungible tokens (NFTs), were surveyed using a quantitative methodology. The study's findings, obtained using the Structural Equation Model (SEM) and SmartPLS software, demonstrated that microfinance has a statistically negligible and detrimental impact on the long-term financial viability of actors involved in digital art. Crowdfunding, on the other hand, significantly improves their financial viability. Furthermore, financial sustainability is positively and significantly impacted by digital financial literacy. The impact of microfinance on the long-term financial viability of digital creative players is mitigated by digital financial literacy. To enhance the resilience of creative professionals in an increasingly digital economy, this study emphasizes the importance of integrating financial education with training in digital skills. The study's practical implications include suggestions for legislators, professionals in the creative sector, and academic institutions to develop targeted initiatives that may enhance the financial viability of digital arts practitioners. To further understand the connection between digital financial literacy and the sustainability of the creative economy, further study is advised that it uses a longitudinal approach and cross-national comparisons.
The increasing reliance on e-commerce platforms has amplified challenges related to transparency, trust, fraud, and inefficiencies in reward distribution systems. Existing centralized architectures fail to address these issues effectively. This paper proposes BlockArc, a blockchain-based smart contract framework designed to revolutionize reward systems in e-commerce. The system leverages a permissioned blockchain and smart contracts to automate reward distribution, enhance security, and ensure transaction transparency. The framework consists of four layers: Blockchain Layer, Smart Contract Layer, Application Layer, and User Roles, each addressing key challenges such as reward fragmentation, fraudulent transactions, and inefficient refund processes. Smart contracts autonomously handle reward issuance, redemption, and expiration while integrating oracles for real-world data validation. Security is reinforced using cryptographic hashing, Zero-Knowledge Proofs (ZKPs), and Role-Based Access Control (RBAC) to prevent fraudulent activities. A performance evaluation demonstrated 112 transactions per second (TPS) under moderate load, fraud detection accuracy of 100%, and a 37% reduction in operational costs by eliminating intermediaries. User satisfaction surveys indicated high levels of trust and transparency. The study concludes that BlockArc enhances e-commerce reward systems by improving efficiency, security, and decentralization, paving the way for scalable and interoperable blockchain applications in digital commerce.
Antonios Giatzis, Stamatis Papangelou, Christos K. Georgiadis
The emergence of blockchain technology has resulted in the creation of various blockchain networks and their accompanying programming languages for creating smart contracts. Each smart contract language, with its unique characteristics, advantages, and drawbacks, leverages blockchain technology to create a secure, transparent, and efficient way to execute agreements without the need for intermediaries. In this study, we compared the Solidity language used in the Ethereum blockchain network and Sui Move, which is used for the Sui blockchain network, highlighting contrasting approaches to smart contract development. In this paper, we explore the aspects of both languages, such as their structure, operational models, and security components. By evaluating these factors, the study uncovers the strengths and limitations of each language, highlighting their security and performance features that developers must take into account when choosing a smart contract language to build robust, efficient, and scalable decentralized applications that are addressed at a wide audience. Additionally, the work entails a framework that helps developers transition existing applications built on Solidity to Sui Move and take advantage of Sui Move’s unique characteristics without sacrificing functionality. It is a step-by-step approach to modify data forms, refactor logic processes, and deploy modules as needed while ensuring that migration is smooth and the maximum benefits of the Sui-based blockchain network are achieved. The knowledge and resources offered are designed to enable developers to create more secure, scalable, and efficient decentralized systems.