Volume - 1 Issue - 1, March - April 2026
Published 2026-03-20
Publication Status Note: This article was published by IJMOR during the journal's pre-ISSN publication period. The journal subsequently received its ISSN on 17 August 2026. The original publication date and bibliographic information have been retained for historical accuracy.
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Article's
Paper Title
Artificial Intelligence Driven Financial Risk Management: Empirical Evidence from the Global FinTech Ecosystem
Author: Chaudhari Pankaj Balwantrao Page No. 1 - 10
Abstract
Abstract
Purpose :
The purpose of the study was to investigate whether Artificial Intelligence (AI)-driven financial decision systems significantly improve financial risk management outcomes compared to traditional statistical models across credit, market, and operational risk domains within the global FinTech ecosystem .
Design/Methodology/Approach :
The study adopted an explanatory and comparative research design using secondary panel data from 240 financial institutions (120 AI-integrated and 120 traditional) across global markets over the period 2020–2025. Statistical techniques included logistic regression benchmarking, Random Forest and Gradient Boosting models, paired sample t-tests, ANOVA, and Sharpe Ratio analysis to test six hypotheses .
Findings :
The study found statistically significant improvements in AI-driven institutions, including a 21.4% increase in predictive accuracy, a 37.8% reduction in fraud detection false positives, improvement in Sharpe Ratio from 0.79 to 1.08, and 19–26% gains in operational cost efficiency. These results confirm that AI-driven systems significantly outperform traditional risk management models across multiple financial performance indicators .
Practical Implications :
The findings suggest that financial institutions should adopt AI-driven analytics to enhance predictive accuracy, improve portfolio performance, reduce fraud risks, and achieve operational efficiency, while simultaneously addressing challenges related to algorithmic bias, explainability, and regulatory compliance .
Originality :
The study provides empirical evidence from a global comparative framework demonstrating the structural impact of AI adoption on financial risk management and proposes an Integrated Intelligent Risk Architecture (IIRA) for sustainable AI-enabled financial ecosystems.
Paper Title
Impact of Strategic Faculty Development on Organisational Performance in Private Universities
: An Empirical Study in Maharashtra
First Author: Chaudhari Pankaj Balwantrao
Second Author: Sunil Ingole (Page No. 11 - 24)
Abstract
Abstract
Purpose:
The purpose of this study is to examine the impact of strategic faculty development practices on organisational performance in private universities in Maharashtra, with a focus on teaching effectiveness, research output, student satisfaction, and accreditation readiness.
Design/Methodology/Approach:
The study adopts a descriptive and explanatory research design. Primary data were collected from 240 full-time faculty members across six private universities using a structured questionnaire based on a five-point Likert scale. Statistical techniques including reliability analysis, exploratory factor analysis, t-test, ANOVA, correlation, and multiple regression were employed to analyse the data .
Findings:
The findings reveal a strong and statistically significant positive relationship between strategic faculty development and organisational performance (r = 0.69, p < 0.001). The regression model explains 47.2% of the variance in organisational performance, with research support and performance feedback emerging as the most influential predictors .
Practical Implications:
The study suggests that private universities should integrate faculty development into institutional strategy by strengthening research support systems, implementing structured performance feedback mechanisms, and enhancing pedagogical training to improve overall organisational performance.
Originality:
This study provides empirical evidence from the Indian private university context, particularly Maharashtra, highlighting faculty development as a strategic organisational capability and offering quantitative insights into its role in improving institutional performance .
Paper Title
Digital Financial Literacy and Economic Resilience: Evidence from Emerging Asian Economies
First Author: Chaudhari Pankaj Balwantrao
Second Author: Borkar Ravindra Page No. 25 - 32
Abstract
Abstract
Purpose :
The purpose of the study was to examine the direct and indirect effects of digital financial literacy (DFL) on household economic resilience in emerging Asian economies, specifically India, Indonesia, and Vietnam .
Design/Methodology/Approach :
The study adopted a quantitative, cross-sectional research design using primary survey data collected from 1,200 respondents across three countries during January–March 2026. Structural Equation Modeling (SEM), mediation analysis, and quantile regression techniques were employed to test the hypothesized relationships between digital financial literacy, FinTech adoption, and economic resilience .
Findings :
The study found that digital financial literacy has a significant positive effect on economic resilience (β = 0.42, p < 0.001), with FinTech adoption mediating approximately 28% of this relationship. Households with higher DFL demonstrated stronger savings behavior and improved resilience capacity. The relationship was found to be stronger in urban populations and varied across countries, with India showing the highest impact, followed by Vietnam and Indonesia .
Practical Implications :
The findings suggest that policymakers should design targeted digital financial literacy programs, strengthen FinTech infrastructure, and integrate digital financial education into economic development and recovery strategies to enhance household resilience, especially in emerging markets .
Originality :
The study provides empirical evidence linking digital financial literacy with economic resilience using a cross-country comparative framework and highlights the mediating role of FinTech adoption in strengthening financial inclusion and resilience outcomes
Paper Title
Converging Technologies and Organizational Innovation in Higher Education
- A Multidisciplinary Framework for Recent Trends
First Author : Chaudhari Pankaj Balwantrao
Second Author: Bhavesh Rathod Page No. 32 - 40
Abstract
Abstract
Purpose :
The purpose of the study was to examine the impact of strategic faculty development practices on organisational performance in private universities in Maharashtra, with a focus on teaching effectiveness, research productivity, student satisfaction, and accreditation readiness.
Design/Methodology/Approach :
The study adopted a descriptive and explanatory research design using primary data collected from 240 full-time faculty members across six private universities. A structured questionnaire based on a five-point Likert scale was used to measure five dimensions of faculty development and four dimensions of organisational performance. Statistical techniques including reliability analysis, exploratory factor analysis, t-test, ANOVA, Pearson correlation, and multiple regression analysis were applied to test the hypotheses.
Findings :
The study found a strong and statistically significant positive relationship between strategic faculty development and organisational performance (r = 0.69, p < 0.001). The regression model explained 47.2% of the variance in organisational performance, with research support and performance feedback emerging as the most influential predictors, followed by pedagogical training. Institutions with higher faculty development intensity demonstrated significantly better performance outcomes.
Practical Implications :
The findings suggest that universities should integrate faculty development into institutional strategy by strengthening research support systems, implementing continuous performance feedback mechanisms, and enhancing pedagogical training to improve overall institutional performance and accreditation outcomes.
Originality :
The study provides empirical evidence from the Indian private university context, particularly Maharashtra, by quantitatively establishing faculty development as a strategic organisational capability influencing institutional performance.
Paper Title:
Quality Assurance, Digital Transformation, and Institutional Excellence in Higher Education: Recent Trends in Quality Level
First Author : Chaudhari Pankaj Balwantrao
Second Author: Kosga Yagapparaj Page No. 41 - 47
Abstract
Abstract
Purpose :
The purpose of the study was to examine recent trends influencing quality level in higher education by focusing on digital quality assurance, leadership commitment, curriculum responsiveness, inclusivity, and continuous improvement as key drivers of institutional excellence.
Design/Methodology/Approach :
The study adopted a research-oriented conceptual design supported by a realistic empirical framework. A structured sample of 180 respondents, including faculty members, academic leaders, administrators, and students, was proposed using stratified purposive sampling. The study integrates quantitative techniques such as descriptive analysis, correlation, regression, and mediation analysis along with qualitative insights to examine relationships between digital quality systems, institutional capability, and quality outcomes.
Findings :
The study found that digital quality assurance significantly enhances institutional quality by enabling data-driven monitoring and evidence-based decision-making. Leadership commitment strengthens the effectiveness of digital systems, while curriculum responsiveness improves perceived educational quality. Inclusivity contributes to stakeholder trust, and continuous improvement culture plays a mediating role in translating systems into institutional excellence. Overall, institutions adopting integrated digital and strategic approaches demonstrate higher quality levels and stronger performance outcomes.
Practical Implications :
The findings suggest that higher education institutions should develop integrated digital quality systems, align leadership with quality strategies, continuously update curricula to meet evolving demands, and promote inclusivity and continuous improvement practices to enhance institutional performance and stakeholder trust. Originality :
The study contributes by presenting a multidisciplinary framework that links digital transformation with quality assurance and institutional excellence, highlighting the shift from compliance-based quality models to dynamic, evidence-based, and strategically managed quality systems in higher education
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