The world is constantly evolving these days. It is possible to say that we have entered the digital economy and society era, in which digital technology is no longer just a tool to help with work. Every work process in production management, trade, and service, as well as interpersonal...

Financial Inclusion is a mean to attain 2015 Sustainable Development Goals set by United Nation. Though the efforts toward the same is greatly backed by aggressive polices and development programmes. Yet the growth attained in the same aspect is discrete mainly due to high cost, low reach and...

This paper examines two aspects of the digitalization of finance in India, which has been surprisingly robust and fast growing. Much of this success is due to the government's introduction of a biometric identity known as Aadhaar. Because financial transactions require definitive proof of...

Part I. Understanding the Universe of Distributed and Decentralised Systems -- Chapter 1: Making sense of distributed and decentralised systems -- Chapter 2: An architectural overview of Distributed Ledger Technologies -- Chapter 3: Consensus Mechanisms -- Chapter 4: Governance of distributed...

This research examines the concept of a robo-advisor with digital twin capabilities for personal financial management. Using an exploratory study, the researchers developed an interactive and interpretive model that analyses the most critical variables to consider when designing the next level...