{"id":"https://openalex.org/W4409197387","doi":"https://doi.org/10.31586/ujfe.2021.1298","title":"Innovative Financial Technologies: Strengthening Compliance, Secure Transactions, and Intelligent Advisory Systems Through AI-Driven Automation and Scalable Data Architectures","display_name":"Innovative Financial Technologies: Strengthening Compliance, Secure Transactions, and Intelligent Advisory Systems Through AI-Driven Automation and Scalable Data Architectures","publication_year":2021,"publication_date":"2021-12-27","ids":{"openalex":"https://openalex.org/W4409197387","doi":"https://doi.org/10.31586/ujfe.2021.1298"},"language":"en","primary_location":{"id":"doi:10.31586/ujfe.2021.1298","doi":"https://doi.org/10.31586/ujfe.2021.1298","is_oa":true,"landing_page_url":"https://doi.org/10.31586/ujfe.2021.1298","pdf_url":"https://www.scipublications.com/journal/index.php/ujfe/article/download/1298/834","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/1298/834","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5116932530","display_name":"Jeevani Singireddy","orcid":"https://orcid.org/0009-0002-6636-853X","observed_orcids":["https://orcid.org/0009-0002-6636-853X"]},"institutions":[{"id":"https://openalex.org/I88773910","display_name":"Intuit (United States)","ror":"https://ror.org/049mrbr98","country_code":"US","type":"company","lineage":["https://openalex.org/I88773910"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Jeevani Singireddy","raw_affiliation_strings":["Software Engineer, Intuit Inc., Temecula, CA, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Software Engineer, Intuit Inc., Temecula, CA, USA","institution_ids":["https://openalex.org/I88773910"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5116347832","display_name":"Abhishek Dodda","orcid":"https://orcid.org/0009-0000-6728-945X","observed_orcids":["https://orcid.org/0009-0000-6728-945X"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Abhishek Dodda","raw_affiliation_strings":["Principal Product Manager, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Principal Product Manager, USA","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5116219926","display_name":"Jai Kiran Reddy Burugulla","orcid":"https://orcid.org/0009-0002-4189-025X","observed_orcids":["https://orcid.org/0009-0002-4189-025X"]},"institutions":[{"id":"https://openalex.org/I4210149506","display_name":"American Express (United States)","ror":"https://ror.org/05rckx884","country_code":"US","type":"company","lineage":["https://openalex.org/I4210149506"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Jai Kiran Reddy Burugulla","raw_affiliation_strings":["Senior Engineer, American Express, Phoenix, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Senior Engineer, American Express, Phoenix, USA","institution_ids":["https://openalex.org/I4210149506"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5116932528","display_name":"Srinivasarao Paleti","orcid":"https://orcid.org/0009-0001-2495-7793","observed_orcids":["https://orcid.org/0009-0001-2495-7793"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Srinivasarao Paleti","raw_affiliation_strings":["IT Analyst, TCS, Iselin, NJ, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"IT Analyst, TCS, Iselin, NJ, USA","institution_ids":[]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5116878989","display_name":"Kishore Challa","orcid":"https://orcid.org/0009-0000-6672-8852","observed_orcids":["https://orcid.org/0009-0000-6672-8852"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Kishore Challa","raw_affiliation_strings":["Staff Data Engineer, Bayer/Legacy Monsanto, Chesterfield, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Staff Data Engineer, Bayer/Legacy Monsanto, Chesterfield, USA","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5116932530"],"corresponding_institution_ids":["https://openalex.org/I88773910"],"apc_list":null,"apc_paid":null,"fwci":2.6268,"has_fulltext":true,"cited_by_count":24,"citation_normalized_percentile":{"value":0.89814974,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":99},"biblio":{"volume":"1","issue":"1","first_page":"123","last_page":"143"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.7383000254631042,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.7383000254631042,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.24070000648498535,"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/T10270","display_name":"Blockchain Technology Applications and Security","score":0.005900000222027302,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"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/fintech","display_name":"fintech","score":0.859000027179718},{"id":"https://openalex.org/keywords/financial-compliance","display_name":"financial compliance","score":0.5080000162124634},{"id":"https://openalex.org/keywords/ai-driven-automation","display_name":"AI-driven automation","score":0.6159999966621399},{"id":"https://openalex.org/keywords/transaction-security","display_name":"transaction security","score":0.6759999990463257},{"id":"https://openalex.org/keywords/regulatory-enforcement","display_name":"regulatory enforcement","score":0.5770000219345093},{"id":"https://openalex.org/keywords/natural-language-processing","display_name":"natural language processing","score":0.7850000262260437},{"id":"https://openalex.org/keywords/predictive-validation","display_name":"predictive validation","score":0.47600001096725464},{"id":"https://openalex.org/keywords/financial-transactions","display_name":"financial transactions","score":0.3330000042915344}],"concepts":[{"id":"https://openalex.org/C48044578","wikidata":"https://www.wikidata.org/wiki/Q727490","display_name":"Scalability","level":2,"score":0.7434210777282715},{"id":"https://openalex.org/C2781460075","wikidata":"https://www.wikidata.org/wiki/Q1399332","display_name":"Compliance (psychology)","level":2,"score":0.7199367880821228},{"id":"https://openalex.org/C115901376","wikidata":"https://www.wikidata.org/wiki/Q184199","display_name":"Automation","level":2,"score":0.6443343758583069},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4644335210323334},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3831169307231903},{"id":"https://openalex.org/C110354214","wikidata":"https://www.wikidata.org/wiki/Q6314146","display_name":"Engineering management","level":1,"score":0.3649870753288269},{"id":"https://openalex.org/C77088390","wikidata":"https://www.wikidata.org/wiki/Q8513","display_name":"Database","level":1,"score":0.3484933376312256},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3320702910423279},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.2861053943634033},{"id":"https://openalex.org/C78519656","wikidata":"https://www.wikidata.org/wiki/Q101333","display_name":"Mechanical engineering","level":1,"score":0.07230982184410095},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.06056028604507446},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.31586/ujfe.2021.1298","doi":"https://doi.org/10.31586/ujfe.2021.1298","is_oa":true,"landing_page_url":"https://doi.org/10.31586/ujfe.2021.1298","pdf_url":"https://www.scipublications.com/journal/index.php/ujfe/article/download/1298/834","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.2021.1298","doi":"https://doi.org/10.31586/ujfe.2021.1298","is_oa":true,"landing_page_url":"https://doi.org/10.31586/ujfe.2021.1298","pdf_url":"https://www.scipublications.com/journal/index.php/ujfe/article/download/1298/834","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":[{"id":"https://metadata.un.org/sdg/16","display_name":"Peace, justice, and strong institutions","score":0.4399999976158142}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4409197387.pdf","grobid_xml":"https://content.openalex.org/works/W4409197387.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/W7161523281","https://openalex.org/W4406362428","https://openalex.org/W4404222698","https://openalex.org/W2991306088","https://openalex.org/W4412640527","https://openalex.org/W4411566589","https://openalex.org/W4406829498","https://openalex.org/W7220402680","https://openalex.org/W7217370050","https://openalex.org/W4399753149"],"abstract_inverted_index":{"Through":[0],"a":[1,95,162],"digitally":[2],"connected":[3],"ecosystem,":[4],"the":[5,44,52,56,139,152,181,185,194,208],"innovative":[6],"realm":[7],"of":[8,30,46,59,107,141,151,154,184,210],"fintech":[9,18],"significantly":[10],"enhances":[11],"human":[12],"capabilities":[13],"across":[14],"various":[15],"dimensions.":[16],"AI-based":[17],"solutions":[19],"are":[20],"increasingly":[21],"proving":[22],"to":[23,131,165],"be":[24,159],"invaluable":[25],"by":[26],"providing":[27],"effective":[28],"enforcement":[29,76],"regulations":[31],"that":[32,103,149,172],"ensure":[33,132],"compliance":[34,61],"and":[35,55,81,123,136,203],"protect":[36],"stakeholders":[37],"involved.":[38],"Numerous":[39],"expert":[40,187],"investigations":[41],"conducted":[42],"in":[43,62,98,212],"arena":[45],"high-technology":[47],"litigation":[48],"have":[49,70],"reinforced":[50],"both":[51],"pressing":[53],"need":[54],"immense":[57],"value":[58],"enforced":[60],"today's":[63],"fast-paced":[64],"digital":[65],"landscape.":[66],"Open":[67],"banking":[68],"APIs":[69],"boldly":[71],"pioneered":[72],"this":[73,178],"critical":[74],"regulatory":[75],"role,":[77],"allowing":[78,119],"broader":[79],"access":[80],"improved":[82],"services":[83],"for":[84,120,200],"consumers.":[85],"Predictive":[86],"AI":[87],"certainty,":[88],"facilitated":[89],"through":[90],"sophisticated":[91],"validation":[92],"systems,":[93],"represented":[94],"fundamental":[96],"evolution":[97],"their":[99,201],"rule-based":[100],"legal":[101],"formulations":[102],"govern":[104],"many":[105],"aspects":[106],"financial":[108,186],"transactions.":[109],"These":[110],"advanced":[111],"products":[112,171],"were":[113],"deployed":[114],"within":[115],"global":[116],"legislative":[117],"codes,":[118],"standardized":[121],"practices,":[122],"consequently,":[124],"all":[125],"market":[126],"sectors":[127],"quickly":[128],"adopted":[129],"them":[130],"they":[133,197],"remain":[134],"competitive":[135],"compliant.":[137],"During":[138],"latest":[140],"these":[142,155,190],"professionals'":[143],"encouraging":[144],"comments,":[145],"it":[146],"became":[147],"clear":[148],"awareness":[150],"inception":[153],"groundbreaking":[156],"innovations":[157],"must":[158],"convened":[160],"into":[161],"steadfast":[163],"commitment":[164],"continue":[166],"launching":[167],"natural":[168],"language":[169],"processing":[170],"can":[173],"refine":[174],"consumer":[175],"interaction.":[176],"Since":[177],"pivotal":[179],"point,":[180],"increasing":[182],"dependency":[183],"community":[188],"on":[189],"incisive":[191],"factors":[192],"underscores":[193],"paramount":[195],"importance":[196],"now":[198],"hold":[199],"clients":[202],"end":[204],"users":[205],"alike,":[206],"shaping":[207],"future":[209],"finance":[211],"profound":[213],"ways":[214],"[1].":[215]},"counts_by_year":[{"year":2026,"cited_by_count":4},{"year":2025,"cited_by_count":7},{"year":2024,"cited_by_count":1},{"year":2022,"cited_by_count":7},{"year":2021,"cited_by_count":5}],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2025-04-06T00:00:00"}
