International Journal of Engineering Applied Science and Management

ISSN (Online): 2582-6948


Notice Board :

Call for Paper
Vol. 7 Issue 10

Submission Start Date:
Oct 01, 2026

Acceptence Notification Start:
Oct 10, 2026

Submission End:
Oct 25, 2026

Final MenuScript Due:
Oct 31, 2026

Publication Date:
Oct 31, 2026
                         Notice Board: Call for PaperVol. 7 Issue 10      Submission Start Date: Oct 01, 2026      Acceptence Notification Start: Oct 10, 2026      Submission End: Oct 25, 2026      Final MenuScript Due: Oct 31, 2026      Publication Date: Oct 31, 2026




Volume VII Issue X

Paper Title
Impact of UPI Adoption on Financial Behaviour of Indian Consumers
Author Name
Kawaljeet Singh Baluja
Year Of Publication
2026
Volume and Issue
Volume 7 Issue 10
Abstract
The Unified Payments Interface (UPI) has become a major component of India's digital payment infrastructure and has moved digital transactions from occasional electronic payments to frequent, everyday financial activity. This paper examines the potential impact of UPI adoption on the financial behaviour of Indian consumers, with particular attention to spending, saving, budgeting, financial awareness, and investment-related behaviour. The study uses a descriptive and analytical research framework supported by secondary evidence from the National Payments Corporation of India, the Reserve Bank of India, the World Bank, and recent academic literature. UPI transaction activity has expanded substantially: official information indicates that UPI processed 24,161.69 crore transactions valued at approximately Rs 314 lakh crore during financial year 2025-26, demonstrating the scale at which digital payments have entered routine consumer life. The paper proposes an empirical model in which UPI
PaperID
2026/IJEASM/10/2026/3515

Paper Title
AI and Cyber Resilience: How Artificial Intelligence Accelerates Cyber Threats and Challenges Reactive Security Models
Author Name
Rajabali Shabbir Wishiwala, Trilok Singh, Athar Ahmad Bhatti
Year Of Publication
2026
Volume and Issue
Volume 7 Issue 10
Abstract
Artificial intelligence (AI) is reshaping the cyber threat landscape by increasing the speed, scale, automation, and adaptability of offensive activity while expanding the attack surface of AI-enabled enterprises. This study examines how these developments challenge predominantly reactive cybersecurity models and identifies the capabilities required for organizational cyber resilience. Using a qualitative design, it synthesizes peer-reviewed research, recognized cybersecurity frameworks, industry threat intelligence, and documented case studies. The evidence indicates that AI acts as both a threat multiplier and a defensive enabler: it can accelerate reconnaissance, social engineering, exploitation, and lateral movement, while also supporting behavioral detection, threat analysis, prioritization, and automated containment. The findings do not suggest that conventional controls are obsolete; rather, they show that preventive and reactive measures are increasingly insufficient when used
PaperID
2026/IJEASM/10/2026/3517

Paper Title
Artificial Intelligence-Driven Digital Transformation in Healthcare: A Theoretical Framework for Optimizing Clinical Decision-Making, Operational Efficiency, and Patient Outcomes
Author Name
Sujit Panigrahi, Trilok Singh
Year Of Publication
2026
Volume and Issue
Volume 7 Issue 10
Abstract
Artificial Intelligence (AI) is increasingly becoming a critical enabler of digital transformation in healthcare, reshaping how clinical decisions are made, healthcare operations are managed, and patient services are delivered. The integration of AI technologies, including machine learning, predictive analytics, natural language processing, computer vision, and intelligent automation, provides healthcare organizations with opportunities to process complex clinical and operational data at scale and generate actionable insights. However, the adoption of AI within healthcare remains fragmented, with challenges related to data quality, interoperability, algorithmic bias, explainability, privacy, cybersecurity, regulatory compliance, and the effective integration of AI into existing clinical workflows. These challenges highlight the need for a structured framework that connects technological adoption with clinical, operational, and patient-centered objectives. This study proposes a theoreti
PaperID
2026/IJEASM/10/2026/3518

Paper Title
Artificial Intelligence and Retail Risk Management: A Strategic Framework for Enhancing Business Continuity, Trust, and Operational Resilience
Author Name
Raghavendran Gopal, Trilok Singh, Athar Ahmad Bhatti
Year Of Publication
2026
Volume and Issue
Volume 7 Issue 10
Abstract
Artificial Intelligence (AI) is increasingly transforming retail risk management by enabling organizations to identify emerging risks, analyze complex data, automate decision-making, and strengthen operational resilience. However, the growing dependence on AI also introduces challenges related to data quality, cybersecurity, algorithmic bias, privacy, transparency, and stakeholder trust. This research paper develops a strategic framework for integrating AI into retail risk management to enhance business continuity, trust, and operational resilience. The study adopts a theoretical and conceptual approach by synthesizing insights from existing literature on artificial intelligence, retail risk management, business continuity, operational resilience, cybersecurity, and responsible AI governance. The proposed framework examines how AI-enabled capabilities, including predictive analytics, real-time risk monitoring, intelligent anomaly detection, automated response mechanisms, and scenario-b
PaperID
2026/IJEASM/10/2026/3519