Integrating Risk Management: Technology’s Role in Bridging FinTech and Traditional Banks
Authors:- Chintamani Bagwe

Abstract- This article overviews risk management strategies details in the financial industry landscape, comparing the practices of risk management between FinTech companies and traditional banking taking into account the regulatory landscape that embraces technological changes. Risk management has always been central to the financial sector, ensuring the stability and safety of all stakeholders involved. FinTech companies, enabling most traditional banking services through technology, introduce unique offerings that come with new risk types such as cybersecurity and regulatory risk that require widely different mitigation measures. Some of the risk’s responses include automation, flexible ecosystem formation, and creating customer-focused entities. Traditional banks, in contrast, have developed time-proven risk management schemas that focus on enterprise risk management to regulatory compliance to risk aversion. However, they face their own complexity with the immense burden of maintaining compliance and integrating existing technology with emerging tech. The collaboration with Fintech is a way out through the cross-role processes. Furthermore, the regulatory space will also see change regulations on FinTech firms and traditional banks that will have to adapt to continue operations. In the future, existing and new technologies will be integrated into the space, resulting in better risk management schemas. Successful partnerships between a bank and a traditional bank are shared at the end. The collaboration between FinTech companies and traditional banks will be essential to survive the current revolution.

DOI: 10.61137/ijsret.vol.10.issue5.793

Published by: Kajal Tripathi

Cloud-Agnostic Solutions for Multi-Biometric Systems: A Java-Based Approach
Authors:-Dr. Vinayak Ashok Bharadi

Abstract- This paper presents a cloud-agnostic architecture for managing multi-biometric systems, focusing on scalability, modularity, and interoperability. Building on Manchana’s 2020 research, the framework leverages Java-based design patterns, including Singleton and Factory, to enable seamless deployment across multiple cloud platforms. The proposed solution facilitates dynamic workload distribution and device management, addressing the challenges of real-time biometric processing in resource-constrained environments. The results demonstrate enhanced scalability and adaptability, with the framework supporting up to 100,000 biometric records and ensuring efficient system performance under high loads.

DOI: 10.61137/ijsret.vol.7.issue5.712

Published by: Kajal Tripathi

Investigation of Co-Pyrolysis of Plastic and Cocos Nocifera
Authors:- S. Ajith kumar, Janobin S, Halin Heijal A, Bisel M

Abstract- Generally all over the world, the usage of fossil fuels in the day to day life as liquid, gas and the solid have been highly increased. Nowadays the population is getting highly increased and at the same time, the usage of biomass is also increasing. Biomass is an alternate fuel from the starting era of biotic organism. The usage of plastic also increased. The disposal and recycling of plastic is facing a challenging task. The researchers are facing high tedious problem in destroying plastic. Since the decomposition of plastic is highly dangerous to the soil. Pyrolysis process is the most promising for the waste to useful form of energy conversion techniques. While destroying biomass and plastic, more carbon footprints are seen. End product of plastic and biomass pyrolysis has its own deficiency in its characterization. In order to overcome these drawbacks, biomass and plastic is combined together as mass quantity and undergoes pyrolysis process for finding the better result. The pyrolysis end product properties like ash content, moisture content, kinematic viscosity, density, flash point, fire point, cloud point, pour point, gross calorific value and specific gravity are determined.

DOI: 10.61137/ijsret.vol.7.issue4.648

Published by: Kajal Tripathi

Dynamic Mechanical Analysis of Discarded Polyurethane with Polyester Hybrid Composites
Authors:- E. Bravin Daniel, Ajin B S, Ajun Jijo S, Berin J

Abstract- A composite material is a combination of two materials with different physical and chemical properties. When they are combined they create a material which is specialised to do a certain job, for instance to become stronger, lighter or resistant to electricity. They can also improve strength and stiffness. Polymer matrix composites (PMCs) are the most widely used composite type. Just as is the case for polymers, the environment typically needs to be controlled to obtain consistent test results for PMCs Polymer matrix composites (PMCs) have gained considerable interest mainly due to their low cost and higher specific strength and stiffness compared to conventional metallic alloys. This prepared composites were evaluated by dynamic mechanical analysis method such as dynamic mechanical analysis, X-Ray diffraction, Fourier transform infrared. The aim is to conduct the dynamic mechanical analysis of polyurethane and polyester composite. Polyurethane is the thermosetting polymer composite which can withstand high temperature. On the other hand polyester is the fiber material with ductile nature. After the preparation of the composites ,mechanical analysis of the specimen is to be analyzed.

DOI: 10.61137/ijsret.vol.7.issue4.647

Published by: Kajal Tripathi

Morphological Study of Discarded Polyurethane Hybrid Composites
Authors:- Mr. J. Starlin Deva Prince, Godfrey Mohan R, Milan Chand J S, Mohammed Shabeen J

Abstract- Hybrid materials are composites consisting of two constituents at the nanometer or molecular level. Commonly one of these compounds is inorganic and the other one organic in nature. Thus, they differ from traditional composites where the constituents are macroscopic. Mixing at the microscopic scale leads to a more homogeneous material that either shows characteristics in between the two original phases. Polyurethane is a plastic material, which exists in various forms. It can be tailored to be either rigid or flexible, and is the material of choice for a broad range of end-user applications such as: insulation of refrigerators and freezers, building insulation, High abrasion resistance Thick section molding , Colorability ,Oil resistance, Ozone resistance, Radiation resistance. Other advantages are castable nature and Low pressure tooling. This investigation helps to know about the morphological study of discarded polyurethane hybrid composite. Layout method is used for combining both polyurethane and nylon fibres. By using the following combination, we have prepared six samples with different samples as S1- S6. The percentage proportions as follows;
S1- 100% polyurethane
S2- 80% polyurethane + 20% nylon
S3- 60% polyurethane + 40% nylon S4-100% nylon
S5-80% nylon + 20% polyurethane S6-60% nylon + 40% polyurethane

DOI: 10.61137/ijsret.vol.7.issue4.646

Published by: Kajal Tripathi

AI-Enabled Secure Monitoring of Computer Vision Data in 5G IoT-Based Healthcare Systems
Authors:- Research Scholar Ms. Komal Garg, Professor Dr. Narender Kumar

Abstract:- The integration of 5G-enabled IoT networks has significantly transformed the healthcare sector, enabling real-time monitoring, data collection, and advanced diagnostics through the Internet of Medical Things (IoMT). This study investigates the application of artificial intelligence (AI) models for securing sensitive patient data in IoMT networks, addressing the escalating threats of cyberattacks and privacy violations. By leveraging historical datasets, the research develops an AI-driven framework for anomaly detection and threat classification, optimizing data security through federated learning, encryption, and adaptive defences. The results demonstrate the model’s exceptional performance, with accuracy rates exceeding 99% across various threat scenarios and robust anomaly detection capabilities validated through real-world simulations. Additionally, the framework achieves a high AUC score of 0.999, showcasing its reliability and precision in securing IoMT networks. These findings underscore the efficacy of the proposed approach in mitigating security risks, enhancing system reliability, and ensuring the seamless operation of smart healthcare systems. This work highlights the critical role of 5G and AI technologies in creating robust, secure, and scalable IoMT ecosystems, contributing to improved healthcare accessibility and patient outcomes.

DOI: 10.61137/ijsret.vol.7.issue1.192

Published by: Kajal Tripathi

Creational Design Patterns for Dynamic Device Management in IoT Biometrics
Authors:- Vinayak Ashok Bharadi

Abstract:- This paper investigates the application of creational design patterns—specifically the Singleton and Factory patterns—in Java-based IoT frameworks for managing biometric devices. The study builds on Ramakrishna Manchana’s 2019 research on design patterns, demonstrating how these patterns can enhance scalability, modularity, and flexibility in IoT systems dealing with multimodal biometric data. By employing a dynamic configuration model, the proposed framework enables efficient device management and secure data processing, ensuring adaptability to evolving IoT requirements.

DOI: 10.61137/ijsret.vol.6.issue6.819

Published by: Kajal Tripathi

Assessment of ICT Skills of Science Teachers for Online Instruction
Authors:- Cyril Francisco Forro

Abstract:-This study was conducted to assess the level of ICT skills of science teachers for online instruction and employed a qualitative-descriptive research design. This was conducted in the school year 2020-2021. This study utilized a survey questionnaire, which was adapted from National ICT Competency Standards for Teachers, in gathering the data from 37 science teachers of Koronadal National Comprehensive High School-Junior High School (KNCHS-JHS). All science teachers of KNCHS-JHS were considered as respondents of this study. The method used in the collection of data was face to face administration of survey. Frequency counting and mean were utilized to analyze the demographic profile of the respondents. In analyzing and interpreting the level of ICT skill of science teachers, mean was utilized. The findings of the study revealed that the level of ICT skills of science teachers in all standards of Domain A (Technology Operations and Concepts), Domain B (Social and Ethical), and Domain C (Pedagogical) is proficient. This is shown by the means of Domains A, B, and C which are 2.87, 2.79, and 2.84 respectively. In proficient level, teachers here can perform ICT skills independently but require guidance at times. On the other hand, the level of ICT skill of science teachers in all standards of domain D (Professional) is basic with a mean of 2.42. This means that teachers can perform ICT skills with the guidance of an ICT expert. There are also some indicators in domains A, B, and C where the level of ICT skills of science teachers is basic. Generally, the level of ICT skills science teachers is proficient. Meaning, they can perform ICT skills independently but require guidance at times. Based on the results of this study there is a need to conduct an ICT training for science teachers to further enhance some of their ICT skills/competencies. Thus, the author of this action research recommends that the proposed ICT training be conducted to the science teachers of KNCHS-JHS. The ICT training shall include all indicators which was rated basic by the respondents.

DOI: 10.61137/ijsret.vol.6.issue5.418

Published by: Kajal Tripathi

A Comprehensive Review of AI and 5G-Enabled Secure Monitoring in IoMT-Based Healthcare Systems
Authors:- Research Scholar Er. Komal Garg, Professor Dr. Narender Kumar

Abstract:- The integration of Artificial Intelligence (AI) and 5G technology has transformed the Internet of Medical Things (IoMT), enabling smarter, faster, and more secure healthcare systems. This review critically examines the advancements and challenges of AI and 5G-enabled IoMT systems, with a focus on their applications in healthcare and the pressing issue of data security. The role of 5G in facilitating real-time monitoring, low-latency communication, and massive device connectivity is explored, alongside AI’s contribution to secure data processing, anomaly detection, and predictive analytics. Key challenges, such as vulnerabilities to cyberattacks, data privacy concerns, and the lack of interoperability, are analysed in detail. The review also provides a comparative analysis of existing IoMT security frameworks and AI-driven solutions, highlighting their strengths and limitations. Future directions in integrating advanced technologies like blockchain, federated learning, and edge computing into IoMT networks are discussed. This synthesis of emerging trends and innovative solutions serves as a roadmap for developing robust and secure healthcare ecosystems, leveraging AI and 5G to deliver real-time, patient-centred care while safeguarding sensitive medical data.

DOI: 10.61137/ijsret.vol.6.issue4.627

Published by: Kajal Tripathi

IoT and Nano Sensors in Smart Infrastructure
Authors:-Professor Yelena Smirnova

Abstract:- The integration of Internet of Things (IoT) technology with nanosensors is revolutionizing the development and management of smart infrastructure systems worldwide. This paper explores the synergistic potential of IoT and nanosensors in enhancing infrastructure monitoring, control, and sustainability across sectors such as transportation, energy, water management, and urban planning. Nanosensors, with their nanoscale dimensions and high sensitivity, enable real-time detection of physical, chemical, and biological parameters at unprecedented resolution, while IoT platforms facilitate seamless connectivity, data collection, and intelligent analytics. Together, these technologies enable predictive maintenance, efficient resource management, environmental monitoring, and improved safety, contributing to resilient and sustainable infrastructure. The paper discusses the underlying technologies, current applications, data processing frameworks, and key technical challenges including sensor durability, power supply, scalability, and cybersecurity. It also examines economic and environmental impacts, highlighting the long-term cost savings, energy efficiency, and pollution reduction benefits enabled by these innovations. Finally, future trends such as advancements in nanomaterials, 5G/6G communications, AI integration, and regulatory frameworks are analyzed to provide a roadmap for the evolving smart infrastructure landscape. By addressing both technological and societal aspects, this work underscores the transformative role of IoT and nanosensors in building smarter, safer, and more sustainable urban and industrial environments.

DOI: 10.61137/ijsret.vol.5.issue6.591

Published by: Kajal Tripathi