Technology and Innovation Commons^™

Artificial Intelligence And Digital Technologies In Finance: A Comprehensive Review, Soudeh Pazouki, Mohamad Jamshidi, Mirarmia Jalali, Arya Tafreshi

Finance Faculty Publications

This study explores the transformative impact of artificial intelligence (AI) and digital technologies on the financial technology (FinTech) industry, highlighting their role in fostering business growth, operational efficiency, and enhanced customer engagement. AI-driven strategies have unlocked new avenues for streamlining workflows, boosting productivity, and expanding financial inclusion by reaching underrepresented populations. However, these advancements also pose challenges, including navigating complex regulatory frameworks and adapting to the rapidly evolving technological landscape. This paper delves into the macroeconomic effects of AI, examining its influence on labor markets, consumer behavior, and organizational success. Furthermore, the paper discusses blockchain applications and their potential to …

Transformative Impact Of Ai And Digital Technologies On The Fintech Industry: A Comprehensive Review, Soudeh Pazouki, Behdad Jamshidi, Armia Jalali, Arya Tafreshi

Finance Faculty Publications

This paper examines the impact of artificial intelligence (AI) and digital technologies on the financial technology (FinTech) industry and demonstrates how AI- enabled strategies are increasing the ability of businesses not only to grow, but also to better serve their customers through operational efficiencies. But as immersive as the technological advancements may be, they present challenges in connection with increasingly complicated licensing regulations and a constantly evolving technological landscape. We examine the way AI and algorithms are streamlining workflows, enhancing productivity and expanding access to financial resources for traditionally under – served populations. The paper also discusses the macroeconomic implications …

Ai Agents And Agentic Systems: A Multi-Expert Analysis, Laurie Hughes, Yogesh K. Dwivedi, Tegwen Malik, Mazen Shawosh, Mousa Ahmed Albashrawi, Il Jeon, Vincent Dutot, Mandanna Appanderanda, Tom Crick, Rahul De’, Mark Fenwick, Senali Madugoda Gunaratnege, Paulius Jurcys, Arpan Kumar Kar, Nir Kshetri, Keyao Li, Sashah Mutasa, Spyridon Samothrakis, Michael Wade, Paul Walton

Research outputs 2022 to 2026

The emergence of AI agents and agentic systems represents a significant milestone in artificial intelligence, enabling autonomous systems to operate, learn, and collaborate in complex environments with minimal human intervention. This paper, drawing on multi-expert perspectives, examines the potential of AI agents and agentic systems to reshape industries by decentralizing decision-making, redefining organizational structures, and enhancing cross-functional collaboration. Specific applications include healthcare systems capable of creating adaptive treatment plans, supply chain agents that predict and address disruptions in real-time, and business process automation that reallocates tasks from humans to AI, improving efficiency and innovation. However, the integration of these systems …

Digital Economy Development And Enterprise Carbon Reduction: Evidence From China, Ziyang Li, Tao Luo, Yanlin Li, Yuanyuan Wu

Research outputs 2022 to 2026

Purpose: This study examines the impact of the digital economy on enterprises carbon reduction from a micro-firm perspective. Design/methodology/approach: Drawing on China’s National E-commerce Demonstration Cities policy, this study utilizes a sample from the 2007–2015 China Tax Survey, which covers millions of enterprises, and applies a staggered difference-in-differences model for analysis. Findings: The results indicate that digital economic development significantly promotes enterprise carbon reduction. Mechanism analysis reveals that green innovation and production efficiency are key channels for this impact. Furthermore, heterogeneity analysis suggests that the emission reduction effect is more pronounced in state-owned enterprises, cities with less government regulation, highly …

Startup Equity To Stock Exchange: Key Drivers In Venture-Backed Ipo Journeys, Aryaman Shiv Khosla

CMC Senior Theses

This study investigates the components that shape the probability of a venture capital (VC) backed company’s ability to transition from private to public markets through an Initial Public Offering (IPO). The study employs logistic regression models to analyze firm-specific and funding-related determinants of IPO likelihood. Key predictors in this study include total VC funding, number of VC rounds, average deal size growth, size of first round, average days between rounds, company age, number of employees, and primary industry sector. The findings reveal that higher total funding increases IPO likelihood, highlighting the critical role of robust capital access in fueling growth …

Tech-Forward Learning: Text-To-Speech Impact On Catholic High School Students, Dennise A. Leyva

Theses and Dissertations

This phenomenological study was conducted to improve instructional support for diverse learners in a Southeast Florida Catholic high school by exploring teachers’ use of the Apple iPad accessibility feature, text-to-speech (TTS). Although this Catholic high school implemented a 1:1 iPad program, many teachers had limited experience using the built-in TTS feature to meet the diverse needs of students, including English Language Learners and those with reading difficulties. Teachers often used conventional approaches that failed to integrate assistive technology for inclusive and equitable learning.

The researcher conducted in-depth semi-structured interviews with six high school teachers to examine their experiences implementing the …

การบริหารจัดการงานบำรุงรักษาอัจฉริยะสำหรับโรงงานอุตสาหกรรมระบบอัตโนมัติโดยใช้กระบวนการการค้นหาในปริภูมิสถานะ (กรณีศึกษา โรงงานผลิตสายไฟ), ณัฐวรรณ ทองแต้ม

Chulalongkorn University Theses and Dissertations (Chula ETD)

การศึกษานี้มีวัตถุประสงค์เพื่อพัฒนาต้นแบบระบบการบริหารจัดการงานบำรุงรักษาอัจฉริยะ (Intelligent Maintenance System:IMS) สำหรับโรงงานอุตสาหกรรมระบบอัตโนมัติ โดยประยุกต์กระบวนการค้นหาในปริภูมิสถานะ (State Space Search) เพื่อเพิ่มประสิทธิภาพการวางแผนบำรุงรักษา งานวิจัยใช้กรณีศึกษาจากโรงงานผลิตสายไฟฟ้าในประเทศไทย ซึ่งมีเครื่องจักรอัตโนมัติมากกว่า 20 เครื่องและอะไหล่มากกว่า 3,000 รายการต่อเครื่องจักร ระเบียบวิธีวิจัยใช้แนวทางแบบผสมผสาน (Mixed-method) ด้วยการสัมภาษณ์เชิงลึกและการสำรวจเชิงปริมาณเพื่อศึกษาปัจจัยที่มีผลต่อการยอมรับระบบการบริหารจัดการงานบำรุงรักษาอัจฉริยะตามกรอบแนวคิดแบบจำลองการยอมรับเทคโนโลยี (Technology Acceptance Model: TAM) และการประเมินความเป็นไปได้ทางธุรกิจด้วยกรอบ (Business Model Canvas:BMC) พร้อมทั้งพัฒนาโปรแกรมต้นแบบด้วยภาษา Python เพื่อจำลองการวางแผนการบำรุงรักษาอัจฉริยะด้วยการทดสอบทั้งอัลกอริทึมการค้นหาแบบไม่รู้ข้อมูล (Uninformed Search) และแบบรู้ข้อมูล (Informed Search) เพื่อเปรียบเทียบประสิทธิภาพในการค้นหา ผลการวิจัยพบว่าการประยุกต์ใช้การค้นหาในปริภูมิสถานะสามารถระบุช่วงเวลาบำรุงรักษาที่เหมาะสม โดยพิจารณาจากต้นทุนการบำรุงรักษา อายุคงเหลือของอะไหล่ และค่าความเสี่ยง อีกทั้งระบบยังสามารถจำลองสถานการณ์บำรุงรักษาในเดือนที่กำหนด งบประมาณต่อเดือน ปรับเปลียนอายุการใช้งานคงเหลือของอะไหล่ รวมถึงจำลองการชำรุดของอะไหล่เพื่อให้การวางแผนบำรุงรักษามีประสิทธิภาพสูงกว่าวิธีการบำรุงรักษาตามรอบแบบเดิม ข้อเสนอจากการวิจัยชี้ให้เห็นถึงศักยภาพในการพัฒนาระบบการบริหารจัดการงานบำรุงรักษาอัจฉริยะเพื่อใช้งานเชิงพาณิชย์ และต่อยอดสู่กลุ่มอุตสาหกรรมอื่น ตลอดจนการพัฒนาอัลกอริทึมขั้นสูงเพิ่มเติมเพื่อเพิ่มความฉลาดของระบบให้สอดคล้องกับการเปลี่ยนแปลงของเทคโนโลยีและอุตสาหกรรมในอนาคต

A Bounded Custom Gpt Structures Operational Knowledge For Small-Industry Decision Support, Ikhwan Arief, Alizar Hasan, Nilda Tri Putri, Hafiz Rahmann

Knowledge Engineering and Data Science

Small manufacturing and craft-based firms increasingly use Generative Artificial Intelligence (GenAI) through public chat interfaces, low-cost tools, and informal experimentation. However, these firms often make operational decisions with incomplete records, tacit owner knowledge, fragmented spreadsheets, and limited managerial capacity. Under such conditions, open-ended chatbots may generate fluent but unsafe recommendations by overlooking missing information, contradictory evidence, feasibility constraints, and implementation constraints. This study presents Asisten Cerdas Industri Kecil as a bounded Custom GPT artifact for operational diagnosis, priority selection, and short-horizon action planning in small industries. Using a Design Science Research approach, the study develops a documented artifact corpus comprising …

Exploring Vr User Experiences, Sarah Ferguson, Demetrice Smith-Mutegi, Brett Cook-Snell

Teaching & Learning Faculty Publications

Virtual reality (VR) has unique potential for simulating environments and situations beyond real-life experiences. This study investigates the limitations of VR equipment design for learning spaces, specifically online environments. Presented are the findings of an exploratory study that examined the immersion, ease of use, and physiological and emotional experiences of seven university students participating in a 30–60 min VR session. Given the small sample size, the findings were analyzed with descriptive statistics and qualitatively. The results revealed that participants recognized the potential of VR as a teaching and learning tool, while also identifying certain limitations associated with health and safety. …

Citizen And Technology: The Core In Developing Human-Centric Smart Cities, Mohammed Ali Berawi, Mustika Sari, Perdana Miraj

CSID Journal of Infrastructure Development

As urbanization continues to grow, the development of smart cities has become a pivotal strategy for addressing the complex challenges of modern urban living. These cities harness advanced technologies like the artificial intelligence (AI), Internet of Things (IoT), and Digital Twin to optimize city operations, improve sustainability, and enhance the quality of life for their residents. However, the success of smart cities should not be measured by the sheer quantity of hardware and software implemented but rather by the quality of life they create for the people who live and work within them. In other words, smart cities must prioritize …

Assessment Of Parking Facilities In Public Areas: The Case Of Keffi Town, Ayodeji Solomon Olatunji, Enogela Ahmed John, Adeyemi Adewumi Adedeji, Muhammed Loko Mikaila

CSID Journal of Infrastructure Development

The absence of adequate parking facilities in residential and public areas remains a significant issue in developing countries, often disrupting economic activities and environmental quality. In Keffi town, the increasing demand for parking exceeds the available supply, leading to congestion and inefficiency. This study evaluates the current public parking facilities, focusing on provision levels, infrastructure conditions, and management frameworks. Primary data were gathered using structured questionnaires and direct observations, with 328 valid responses analyzed through descriptive statistics. Results indicate that prolonged vehicle stays exacerbate congestion, such as at Nasarawa State University (32.8%) and Federal Medical Centre (29.1%). Parallel parking dominates …

Analytical Study On The Intensity Of Surface Urban Heat Island (Suhi) In Kaduna State, Paul Onibaba, Kolade Victor Otokiti, Oluwabukola Grace Ademola, Temitope Mercy Akanle

CSID Journal of Infrastructure Development

Urbanization and climate change are significant drivers of rising Land Surface Temperature (LST) and the formation of Urban Heat Islands (UHIs), which have emerged as pressing environmental challenges in recent decades. This study examines the relationship between Land Use/Cover (LU/C) indices and LST in Kaduna, Nigeria, using multi-temporal Landsat imagery spanning five periods from 2001 to 2021. LST values were derived from the Landsat thermal bands, while LU/C dynamics were identified using the Maximum Likelihood Classifier algorithm. LU/C indices—including the Normalized Difference Vegetation Index (NDVI), Normalized Difference Built-up Index (NDBI), Modified Normalized Difference Water Index (MNDWI), and Soil-Adjusted Vegetation Index …

Assessment Of Project Risk Performance Of Selected Mass Housing Infrastructures In Northern Nigeria, Chinedu Chimdi Adindu, Abdulhaqq Onoruoyiza Muhammed, Emmanuel Ashem Egila, Musa Mohammed

CSID Journal of Infrastructure Development

Mass housing projects in Northern Nigeria often suffer from insufficient risk management, impacting timely delivery, budget adherence, and quality standards. This study assesses risk vulnerabilities in selected mass housing infrastructure projects, focusing on information risks related to roles, responsibilities, scope, requirements, and operations. A mixed-methods approach was employed, with data collected from 465 construction professionals across 20 states, with a 64.58% response rate. Analytical tools, including regression and Pearson correlation, identified critical risks such as underfunding, weak project monitoring and control, and the failure to deliver end-user value. Findings reveal that these risks significantly undermine project outcomes, highlighting the need …

Strategic Knowledge Management Framework For Technology Transfer In Indonesian Joint Operation Construction Projects, Yudha Trimuliadi Suryana, Ayomi Dita Rarasati

CSID Journal of Infrastructure Development

Joint Operation (JO) construction companies in Indonesia face persistent challenges in technology transfer, including misalignment between advanced technologies and organizational capacities. Knowledge management has been proposed as a strategic solution, but its implementation remains underdeveloped. This study develops a framework to enhance technology transfer in JO construction projects through improved knowledge management practices. Utilizing a mixed-methods approach, the research combines a literature review with an analytical hierarchy process, fuzzy set theory, and a simple additive weighting method, supported by data from selected respondents involved in the Jakarta Mass Rapid Transit (MRT) project (CP201). Key findings identify knowledge acquisition, utilization, and …

Digital Twin And Cybersecurity In Additive Manufacturing, Lidong Wang

Journal of Cybersecurity Education, Research and Practice

Additive manufacturing (AM) has been applied to automotive, aerospace, medical sectors, etc., but there are still challenges such as parts’ porosity, cracks, surface roughness, intrinsic anisotropy, and residual stress because of the high level of thermal gradient. It is significant to conduct the modeling and simulation of the AM process and achieve quality products. Digital Twin (DT) can help AM with forecasting defects/errors through simulation and real-time process monitoring. DT is a concept of Industry 4.0, and its digital structure reflects the real-time behaviors of a cyber-physical or physical system. This paper introduces the progress of DT applications in AM, …

Impact Of Logistics Factors On Procurement Of Construction Materials In Lokoja, Kogi State, Muhammed Etudaiye Ohida, Isa Imam, Araoye Olarinkoye Ajiboye

CSID Journal of Infrastructure Development

This study investigates the influence of logistics factors on the procurement of construction materials in Lokoja, Kogi State, aiming to identify and rank the critical elements affecting material procurement in building projects. A total of 250 questionnaires were distributed across nineteen neighborhoods in Lokoja using a random sampling technique. Data were analyzed using descriptive statistics, while the T-test assessed the significance of identified logistics factors. The findings revealed that seventeen logistics factors influence material procurement, with seven factors emerging as the most significant: on-time delivery, transportation challenges, material misdelivery, delivery inaccuracies, order processing, storage capacity limitations, and ineffective information flow. …

Overview Of Nigeria’S Infrastructural Development, Muhammad Onoruiza Audu, Otu Muhammed Adeiza

CSID Journal of Infrastructure Development

This paper offers a comprehensive analysis of Nigeria’s infrastructural development from 2014 to 2023, focusing on significant achievements and recurring challenges. The study examines key projects in transportation, energy, and housing, such as the Abuja-Kaduna and Lagos-Ibadan railways, the Azura-Edo Power Plant, and urban road upgrades. Persistent issues, including insufficient funding, regulatory inefficiencies, regional disparities, and security challenges, are also assessed. Using a mixed-methods approach that incorporates a literature review, data analysis, and stakeholder perspectives, the research evaluates the social and economic effects of these initiatives. The findings provide strategic recommendations to improve infrastructure quality and accessibility, promote sustainable practices, …

Volume 7 (2024) Artificial Intelligence And Responsibility, Arwa Alnajashi, Danielle Derise, Philip L. Frana, David Mcgraw, Amanda Sawyer, Tatjana Titareva, Raafat Zaini, Allie Zombron

International Journal on Responsibility

The seventh volume of the International Journal on Responsibility (IJR) arrives at a crucial moment in the evolution of artificial intelligence and its integration into our academic and social fabric. As we witness the rapid advancement and deployment of AI systems across various domains, this special issue examines the multifaceted dimensions of responsibility surrounding AI technology, with a particular focus on its role in higher education and broader societal implications.

The articles in this volume contribute to our understanding of responsibility through diverse lenses, from classroom implementation to ethical design considerations. Together, they fulfill IJR’s central mission of exploring “Who …

Computer-Mediated Communication And Artificial Intelligence Strategies In Arts Entrepreneurship, Anna Blake

Journal of Arts Entrepreneurship Education

This study analyzes the potential of artificial intelligence (AI) using computer-mediated communication (CMC) theory to prospect areas for innovation in an emerging field that is rapidly becoming integrated within our everyday lives as well as in the marketplace. In order to demonstrate how arts entrepreneurs can effectively and ethically leverage AI technologies to communicate with their audiences and stakeholders, I examine as case studies the work of individual artists including Grimes. The CMC framework is used to examine art as a form of communication, illustrate how AI changes the nature of art, challenge the extant concepts of identity and intellectual …

Utilizing Large Language Models To Synthesize Product Desirability Datasets, John D. Hastings, Sherri Weitl-Harms, Joseph Doty, Zachary L. Myers, Warren Thompson

Research & Publications

This research explores the application of large language models (LLMs) to generate synthetic datasets for Product Desirability Toolkit (PDT) testing, a key component in evaluating user sentiment and product experience. Utilizing gpt-4o-mini, a cost-effective alternative to larger commercial LLMs, three methods, Word+Review, Review+Word, and Supply-Word, were each used to synthesize 1000 product reviews. The generated datasets were assessed for sentiment alignment, textual diversity, and data generation cost. Results demonstrated high sentiment alignment across all methods, with Pearson correlations ranging from 0.93 to 0.97. Supply-Word exhibited the highest diversity and coverage of PDT terms, although with increased generation costs. Despite minor …