Cloud-Native Fintech for Financial Inclusion: Bridging the Gap Between Technology and Society (Published)
Cloud-native architectures are revolutionizing financial inclusion by bridging the technological gap between traditional banking systems and underserved populations. These solutions integrate microservices, blockchain-based identity verification, and AI-driven risk assessment to create accessible, secure, and scalable financial services. The implementation of digital banking platforms in rural India and peer-to-peer lending systems in Southeast Asia demonstrates the transformative potential of these technologies in expanding financial access. Through edge computing and advanced security frameworks, financial institutions are overcoming challenges related to network reliability and data protection while maintaining regulatory compliance. The convergence of emerging technologies with regulatory technology (RegTech) is shaping a future where financial services become increasingly accessible to previously unbanked populations.
Keywords: Edge Computing, Financial Inclusion, cloud-native architecture, digital banking, regulatory technology
Revolutionizing Remote Patient Monitoring with AI and IoT (Published)
Amidst the growing trend of chronic disease and the need for continuous, longitudinal care focused on the patient, Remote Patient Monitoring (RPM) systems have been on the rise. This research aims to assess the effectiveness of Artificial Intelligence (AI) and the Internet of Things (IoT) in addressing the efficiency, sensitivity, and generalizability of RPM systems. This research is qualitative and quantitative in nature, utilizing biological real-time signals from publicly available datasets (MIT-BIH, MIMIC-III, Fitbit), employing AI methodologies (Random Forest and Convolutional Neural Network (CNN)) for classifying and predicting anomalies. The proposed edge-enabled Internet of Things architecture lowers latency by 35%; CNNs achieve 93.2% accuracy in electrocardiograms (ECG) classification. Qualitative subject-matter expert responsiveness from healthcare professionals noted a 40% increase in timely intervention for detected anomalies—with confidence in the usability of the systems. Findings advocate AI and IoT enhancements for smart real-time monitoring of health-related information.
Keywords: Convolutional Neural Networks (CNN), Edge Computing, Healthcare Informatics, Internet of Things (IoT), IoMT, Physiological Signal Analysis, Remote Patient Monitoring (RPM), Smart Wearables, artificial intelligence (AI), predictive analytics