{"id":"https://openalex.org/W4409196372","doi":"https://doi.org/10.31586/ujfe.2021.1297","title":"Revolutionizing Risk Assessment and Financial Ecosystems with Smart Automation, Secure Digital Solutions, and Advanced Analytical Frameworks","display_name":"Revolutionizing Risk Assessment and Financial Ecosystems with Smart Automation, Secure Digital Solutions, and Advanced Analytical Frameworks","publication_year":2021,"publication_date":"2021-12-27","ids":{"openalex":"https://openalex.org/W4409196372","doi":"https://doi.org/10.31586/ujfe.2021.1297"},"language":"en","primary_location":{"id":"doi:10.31586/ujfe.2021.1297","doi":"https://doi.org/10.31586/ujfe.2021.1297","is_oa":true,"landing_page_url":"https://doi.org/10.31586/ujfe.2021.1297","pdf_url":"https://www.scipublications.com/journal/index.php/ujfe/article/download/1297/833","source":{"id":"https://openalex.org/S4387280912","display_name":"Universal Journal of Finance and Economics","issn_l":"2832-4587","issn":["2832-4587"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4322697006","host_organization_name":"Science Publications","host_organization_lineage":["https://openalex.org/P4322697006"],"host_organization_lineage_names":["Science Publications"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Universal Journal of Finance and Economics","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://www.scipublications.com/journal/index.php/ujfe/article/download/1297/833","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5116878998","display_name":"Balaji Adusupalli","orcid":"https://orcid.org/0009-0000-9127-9040","observed_orcids":["https://orcid.org/0009-0000-9127-9040"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Balaji Adusupalli","raw_affiliation_strings":["DevOps architect - Small commercial Insurance, ACE American Insurance - CHUBB, New Jersey, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"DevOps architect - Small commercial Insurance, ACE American Insurance - CHUBB, New Jersey, USA","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5116932469","display_name":"Sneha Singireddy","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Sneha Singireddy","raw_affiliation_strings":["Software Engineer, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Software Engineer, USA","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5116219676","display_name":"Harish Kumar Sriram","orcid":"https://orcid.org/0009-0008-2611-2904","observed_orcids":["https://orcid.org/0009-0008-2611-2904"]},"institutions":[{"id":"https://openalex.org/I4401727004","display_name":"Equifax (United States)","ror":"https://ror.org/05yk70j08","country_code":"US","type":"company","lineage":["https://openalex.org/I4401727004"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Harish Kumar Sriram","raw_affiliation_strings":["Senior software engineer, Equifax, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Senior software engineer, Equifax, USA","institution_ids":["https://openalex.org/I4401727004"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5116878997","display_name":"Pallav Kumar Kaulwar","orcid":"https://orcid.org/0009-0002-1142-0329","observed_orcids":["https://orcid.org/0009-0002-1142-0329"]},"institutions":[{"id":"https://openalex.org/I4210155734","display_name":"KPMG (United States)","ror":"https://ror.org/049ngdd28","country_code":"US","type":"company","lineage":["https://openalex.org/I4210135825","https://openalex.org/I4210155734"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Pallav Kumar Kaulwar","raw_affiliation_strings":["Director IT, KPMG, Dallas, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Director IT, KPMG, Dallas, USA","institution_ids":["https://openalex.org/I4210155734"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5116817583","display_name":"Murali Malempati","orcid":"https://orcid.org/0009-0001-0451-9323","observed_orcids":["https://orcid.org/0009-0001-0451-9323"]},"institutions":[{"id":"https://openalex.org/I4210126839","display_name":"Mastercard (United States)","ror":"https://ror.org/043cxr310","country_code":"US","type":"company","lineage":["https://openalex.org/I4210126839"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Murali Malempati","raw_affiliation_strings":["Senior Software Engineer, Mastercard International INC, O'Fallon, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Senior Software Engineer, Mastercard International INC, O'Fallon, USA","institution_ids":["https://openalex.org/I4210126839"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5116878998"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":17.1323,"has_fulltext":true,"cited_by_count":67,"citation_normalized_percentile":{"value":0.99213329,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":100},"biblio":{"volume":"1","issue":"1","first_page":"101","last_page":"122"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.4984999895095825,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.4984999895095825,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11326","display_name":"Stock Market Forecasting Methods","score":0.2386000007390976,"subfield":{"id":"https://openalex.org/subfields/1803","display_name":"Management Science and Operations Research"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13904","display_name":"Artificial Intelligence Applications","score":0.0494999997317791,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/risk-assessment","display_name":"risk assessment","score":0.9539999961853027},{"id":"https://openalex.org/keywords/financial-ecosystem","display_name":"financial ecosystem","score":0.8330000042915344},{"id":"https://openalex.org/keywords/investment-decisions","display_name":"investment decision-making","score":0.8289999961853027},{"id":"https://openalex.org/keywords/asset-valuation","display_name":"asset valuation","score":0.628000020980835},{"id":"https://openalex.org/keywords/derivatives-pricing","display_name":"derivative pricing","score":0.6029999852180481},{"id":"https://openalex.org/keywords/unstructured-data","display_name":"unstructured data","score":0.8489999771118164},{"id":"https://openalex.org/keywords/artificial-intelligence-in-finance","display_name":"artificial intelligence in finance","score":0.8220000267028809},{"id":"https://openalex.org/keywords/investment-management","display_name":"investment management","score":0.6880000233650208}],"concepts":[{"id":"https://openalex.org/C115901376","wikidata":"https://www.wikidata.org/wiki/Q184199","display_name":"Automation","level":2,"score":0.6322488784790039},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4553861618041992},{"id":"https://openalex.org/C110872660","wikidata":"https://www.wikidata.org/wiki/Q37813","display_name":"Ecosystem","level":2,"score":0.443574994802475},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4427804946899414},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.34388142824172974},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.190353661775589},{"id":"https://openalex.org/C18903297","wikidata":"https://www.wikidata.org/wiki/Q7150","display_name":"Ecology","level":1,"score":0.13338711857795715},{"id":"https://openalex.org/C86803240","wikidata":"https://www.wikidata.org/wiki/Q420","display_name":"Biology","level":0,"score":0.06281572580337524},{"id":"https://openalex.org/C78519656","wikidata":"https://www.wikidata.org/wiki/Q101333","display_name":"Mechanical engineering","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.31586/ujfe.2021.1297","doi":"https://doi.org/10.31586/ujfe.2021.1297","is_oa":true,"landing_page_url":"https://doi.org/10.31586/ujfe.2021.1297","pdf_url":"https://www.scipublications.com/journal/index.php/ujfe/article/download/1297/833","source":{"id":"https://openalex.org/S4387280912","display_name":"Universal Journal of Finance and Economics","issn_l":"2832-4587","issn":["2832-4587"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4322697006","host_organization_name":"Science Publications","host_organization_lineage":["https://openalex.org/P4322697006"],"host_organization_lineage_names":["Science Publications"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Universal Journal of Finance and Economics","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.31586/ujfe.2021.1297","doi":"https://doi.org/10.31586/ujfe.2021.1297","is_oa":true,"landing_page_url":"https://doi.org/10.31586/ujfe.2021.1297","pdf_url":"https://www.scipublications.com/journal/index.php/ujfe/article/download/1297/833","source":{"id":"https://openalex.org/S4387280912","display_name":"Universal Journal of Finance and Economics","issn_l":"2832-4587","issn":["2832-4587"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/P4322697006","host_organization_name":"Science Publications","host_organization_lineage":["https://openalex.org/P4322697006"],"host_organization_lineage_names":["Science Publications"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Universal Journal of Finance and Economics","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4409196372.pdf","grobid_xml":"https://content.openalex.org/works/W4409196372.grobid-xml"},"referenced_works_count":6,"referenced_works":["https://openalex.org/W6893191092","https://openalex.org/W6930509062","https://openalex.org/W6930908380","https://openalex.org/W6949339612","https://openalex.org/W6949742894","https://openalex.org/W6968135612"],"related_works":["https://openalex.org/W7165879486","https://openalex.org/W4406994813","https://openalex.org/W6893395959","https://openalex.org/W6960151315","https://openalex.org/W7212708405","https://openalex.org/W6885062570","https://openalex.org/W6904030123","https://openalex.org/W4410101061","https://openalex.org/W7165539841","https://openalex.org/W4323838696"],"abstract_inverted_index":{"For":[0],"years,":[1],"risk":[2],"assessment":[3],"and":[4,13,18,33,39,44,65,72,83,99,117,129,146,170,183,197,211,217],"financial":[5,84,107,112,173,189],"calculations":[6],"have":[7],"been":[8],"based":[9],"on":[10],"mathematical,":[11],"statistical,":[12],"actuarial":[14],"studies":[15],"of":[16,24,46,95,187,194],"existing":[17],"historical":[19],"data.":[20],"The":[21,185],"manual":[22,152],"process":[23,138,186],"building":[25],"datasets,":[26],"processing":[27],"data,":[28,56,60,98],"deriving":[29],"trends,":[30],"identifying":[31],"periodicities,":[32],"analyzing":[34],"diagnostics":[35],"is":[36,110],"extremely":[37],"expensive":[38],"time-consuming.":[40],"With":[41],"the":[42,93,106,135,165,192],"automation":[43],"evolution":[45],"data":[47,198],"science":[48],"technologies,":[49],"organizations":[50],"are":[51,87,114],"now":[52],"bringing":[53],"in":[54,105,120,164,180],"niche":[55],"such":[57],"as":[58],"unstructured":[59],"which":[61],"contain":[62],"more":[63,75],"disruptive":[64],"precise":[66],"signals":[67,128],"for":[68],"decision-making\u2014thereby":[69],"making":[70],"predictions":[71],"derivative":[73],"valuations":[74,113],"robust.":[76],"This":[77],"discussion":[78],"highlights":[79],"how":[80],"investment":[81,108,136],"decision-making":[82],"ecosystem":[85],"activities":[86],"set":[88],"to":[89,140,199,201],"be":[90,141],"transformed":[91],"with":[92,150],"power":[94],"technical":[96],"automation,":[97],"artificial":[100],"intelligence.":[101],"A":[102],"noted":[103],"trend":[104],"sector":[109],"that":[111],"highly":[115,118],"predictive":[116],"non-linear":[119],"long-term":[121],"occurrences.":[122],"To":[123],"understand":[124],"these":[125],"robust":[126],"evolving":[127,188],"execute":[130],"profitable":[131],"strategies":[132],"upon":[133],"them,":[134],"management":[137],"needs":[139],"very":[142,209],"dynamic,":[143],"open,":[144],"smart,":[145],"technically":[147],"deep.":[148],"However,":[149],"current":[151],"processes,":[153],"reaching":[154],"a":[155,162],"high-end":[156],"asset":[157],"prediction":[158],"still":[159],"seems":[160],"like":[161],"shot":[163],"dark.":[166],"In":[167],"parallel,":[168],"open":[169],"democratically":[171],"developed":[172],"ecosystems":[174,190],"query":[175],"relatively":[176],"riskless":[177],"premium":[178],"opportunities":[179,208],"high-finance":[181],"valuation":[182],"perception.":[184],"or":[191],"use":[193],"automated":[195],"tools":[196],"move":[200],"unique":[202],"frontiers":[203],"could":[204],"make":[205],"high-yield":[206],"profiting":[207],"safe":[210],"entirely":[212],"riskless.":[213],"Financial":[214],"economic":[215],"theories":[216],"realistic":[218],"approximation":[219],"models":[220],"support":[221],"this.":[222]},"counts_by_year":[{"year":2025,"cited_by_count":10},{"year":2023,"cited_by_count":11},{"year":2022,"cited_by_count":29},{"year":2021,"cited_by_count":16},{"year":2019,"cited_by_count":1}],"updated_date":"2026-11-04T10:54:05.112534","created_date":"2025-04-06T00:00:00"}