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Security and Privacy in AI: IoT- Enabled Banking and Finance Services
The integration of Artificial Intelligence (AI) and the IoThas led to significant advancements in the banking and finance sector, providing personalized, efficient, and data- driven services. However, these AI- IoT enabled systems also introduce complex security and privacy challenges that need to be addressed to protect sensitive financial data and maintain customer trust. This paper surveys the key security and privacy issues in AI- IoT enabled banking, including data breaches, cyber- attacks, unauthorized access, and data misuse. We examine current methodologies for securing AI- IoT systems, such as encryption, blockchain, alongside AI- driven threat detection and response techniques.The survey explores regulatory considerations and compliance requirements that shape security protocols in financial services. By identifying gaps in existing security measures and highlighting advanced privacypreserving technologies, this study aims to provide a comprehensive understanding of the challenges and future directions in securing AI- IoT applications within banking and finance. 2026 by IGI Global Scientific Publishing. All rights reserved. -
Central Bank Digital Currencies (CBDC) as Catalysts for Financial Inclusion and Economic Expansion in Emerging Asian Economies
This chapter examines the potential of Central Bank Digital Currencies (CBDCs) to enhance financial inclusion and economic growth in emerging economies. Unlike decentralized cryptocurrencies, CBDCs are government- backed digital currencies that offer secure and regulated alternatives to traditional money. The chapter explores how CBDCs can improve access to financial services, reduce transaction costs, and promote financial stability, particularly in countries with limited banking infrastructure. It also discusses the challenges and risks associated with CBDCs, such as financial stability concerns and the displacement of commercial banks. Through case studies from China and India, the chapter highlights how well- designed CBDCs can act as a catalyst for inclusive economic development, while emphasising the need for robust regulatory frameworks for successful implementation. 2026 by IGI Global Scientific Publishing. All rights reserved. -
Harnessing the power of digital transformation to promote sustainable growth enabling companies and societies to build a durable and inclusive future
This chapter explores the critical role of digital transformation in fostering sustainable development across various industries. It highlights how advanced technologies such as the Internet of Things, artificial intelligence, and big data analytics enhance environmental sustainability by improving operational efficiency and enabling informed decision-making. Key issues discussed include the connections between digital transformation and environmental sustainability, as well as the challenges organizations face during implementation. The chapter includes case studies demonstrating the successful use of digital technologies to address environmental challenges like air and water pollution and promote resource conservation. It emphasizes the importance of ethical leadership and stakeholder engagement in guiding digital initiatives toward genuine sustainability goals. Finally, the chapter presents a comprehensive framework for leveraging digital transformation to encourage sustainable behaviors and achieve global sustainability objectives. 2025, IGI Global Scientific Publishing. All rights reserved. -
Embracing change: Understanding climate changes and diversity challenges
Embracing change in the context of climate change and diversity challenges is crucial for fostering resilience and promoting sustainability. Rising temperatures, extreme weather events, and sea-level rise are not just environmental issues; they amplify social inequities and economic disparities, disproportionately affecting marginalized communities. Addressing these challenges requires a commitment to environmental sustainability and the integration of diverse perspectives. Additionally, fostering cultural diversity enhances our collective knowledge and adaptive capacity, allowing for innovative solutions rooted in varied experiences and traditions. Governments and organizations must collaborate to create adaptive policies that prioritize resilience, equity, and inclusivity. Embracing change means recognizing the interconnectedness of climate issues and social dynamics, ultimately fostering a holistic approach to create a sustainable and equitable future for all. By understanding these challenges, we can navigate the complexities of change and emerge stronger together. 2025, IGI Global Scientific Publishing. All rights reserved. -
Assessing the risk reducing strategies in international investment
International investment presents huge potential gains in economic development, technological lead and exchange of culture. But it also poses major risks to the number of successful ventures that we conduct. This chapter starts with a general discussion of how the above- mentioned factors could significantly affect risk exposure related to international investment, followed by an appraisal section on different approaches focus on some popular methodologies employed in analyzing all kind of risks and mitigation factotums for effectively reducing those assessed risks. This will provide them with the necessary foundation, a good business perspective to take calculated decisions and in turn improve the robustness and profitability of their international investments. It starts by providing definitions of terms like foreign direct investment (FDI), portfolio investment, and international trade, as well as discussing the particular forms of risks that happen in each kind of investment. 2025, IGI Global. All rights reserved. -
Amalgamation of corporate social responsibility with the principles of the circular economy for sustainable growth
The next chapter extends more with the discussion of CE principles integrated into CSR strategies maintaining a business case strong in sustainable practice beyond the traditional model. Closed- loop supply chains, sustainability in product design, Product- as- a- Service for resource efficiency, waste minimization, and improvement within the corporate resilience system come to mind as CE- oriented strategies. This chapter continues to cover the challenge of responsible leadership and advocacy in policy to push over hurdles, support sustainable culture change, and position companies as corporate citizens. It brings out attention to future trends of urban mining and CE in developing markets, showing how companies adopting circular models will derive long- term growth and competitiveness. Recommendations to firms to totally embed CE in their CSR framework could include, notably around actionables, especially in terms of strong metrics, engagement, and creating leadership that supports environmental and social accountability. 2025, IGI Global. All rights reserved. -
Integrating Emerging Technologies: Enhancing Supply Chain Optimization Through AI, IoT, and Blockchain
The rapid rise of technologies like AI, IoT, and blockchain is transforming supply chain management by boosting efficiency, transparency, and resilience. This paper examines how these technologies optimize supply chains, focusing on predictive analytics, real- time monitoring, and secure data exchange. AI excels in automation and decision- making, IoT enables real- time data gathering, and blockchain ensures trust and transparency. Case studies from Amazon, Maersk, Walmart, and Pfizer illustrate improvements in efficiency, risk reduction, and cost savings. Additionally, challenges like high costs, data privacy, and lack of standardization are discussed, along with future trends in edge computing, quantum computing, and digital twins. The study highlights AI, IoT, and blockchain as essential to building smarter, adaptable supply chains capable of thriving in todays global economy. 2025, IGI Global Scientific Publishing. -
Future Trends in Social Sustainability in Manufacturing Supply Chains
The future approach to social sustainability in the manufacturing supply chains is determined by various factors such as changes in consumer trends, changes in laws and regulations and advancement in technology. Consumers will make sure that the social or environmental costs that come with products are mitigated and thus the organizations will be forced to embrace transparency and accountability in their operations. As the trend of more responsible and eco- friendly consumerism filters down, any manufacturer worth its salt will work to guarantee fair labor, wages and working conditions within their supply chains. At the same time, there will be expectations for the introduction of more strict social sustainability norms. Increased demand for supply chain disclosure policies, especially regarding labor and sourcing standards, will be developed by state and non- state actors towards manufacturers. This will lead to increased responsibility and adherence among sectors and more eco-friendly business practices across the world. 2025, IGI Global Scientific Publishing. -
CSR's Role in Resilience via Boosting Social Sustainability in Economic and Environmental Challenges
This particular writing shall explore the role of CSR i.e., Corporate Social Responsibility in building community resilience by evaluating measures like social sustainability, particularly taking into consideration its response to economic and environmental crises. The objective of CSR is driven from the responsibility for a business to go beyond their financial gains and contribute towards societal and environmental wellbeing. As the Multi- National Corporations and large scale businesses grow bigger, their impact on the community is in proportion to the sales that they make, especially those who work in the FMCG that is Fast Moving Consumer Goods industry become household brand to the masses and can significantly make its position in the industry resilient by taking the economic and environmental metric in consideration while determining profits. CSR initiatives such as education, healthcare, disaster preparedness, and sustainable livelihoods are some of the key strategies that major businesses make use of in order to support community resilience. 2025, IGI Global Scientific Publishing. -
Evolving CSR: Ethical Leadership in Environmental Challenges and Sustainable Consumption
This chapter explores the evolution of CSR from simple philanthropy to strategic core in modern business. The best way to incorporate them is within the strategies of a corporation so that their effects are both effective and sustainable. This Chapter give more inputs on Ethical leadership in context of modern CSR; otherwise, firms are drawn toward a superficial greenwashing rather than an authentic stewardship for society and the environment. There are two basic CSR models discussed in this chapter. One, Carroll's CSR Pyramid, and the second one is the Triple Bottom Line model, where the organization frames CSR as three- dimensional responsibility toward people, profit, and planet. Chapter also include CSR Supporting Governance and responsibility. The Chapter also include example by Patagonia, for instance, tangible benefits through CSR would be the building up of brand reputation. Further, the chapter extends environmental impacts of CSR on Consumer Consumption regarding carbon reduction, renewable energy & Others. 2025, IGI Global Scientific Publishing. -
Government's Initiative to Promote Sustainable Finance and Addressing ESG Issues
In recent years governments worldwide have highly focused on sustainable finance to have an overall growth of the economy while addressing Environmental, Social, and Governance (ESG) issues as a long-term strategy towards a green economy by reducing carbon footprints and ensuring long-term financial stability. This paper analyses key regulations that the government and various financial institutions have set up for multiple companies to reshape markets and grow the economy. It also reflects various impacts of certain agreements that have happened universally and their importance. The information is collected by getting insight from the doc-uments, press releases, and other information sources released on government sites and other reliable sources. Also, considering various case studies it examines how countries have implemented ESG policies (with its prime focus on India). Moreover, this paper helps to find any gaps in these regulations designed by the government. It finds out the impact of these policies on the overall economy and makes people aware of Government releases. 2026 by IGI Global Scientific Publishing. All rights reserved. -
Building Sustainable Brands: Strategies for Long- Term Market Positioning
Sustainable branding has grown significantly as consumers increasingly favor companies demonstrating genuine commitment to environmental and social responsibility. This article explores strategies for building sustainable brands that can achievelong- term market positioning and differentiation. It outlines key approaches, including crafting a value proposition centered on sustainability, engaging stakeholders across the value chain, and communicating sustainability efforts with transparency and authenticity. The article underscores how these strategies contribute to enhanced brand equity, customer loyalty, and competitive advantage in a marketwhere ethical considerations drive consumer behavior. By examining successful case studies, the article provides actionable insights for businesses looking to integrate sustainability into their core brand strategy. Ultimately, it argues that sustainable branding is not only crucial for meeting contemporary consumer expectations and fostering positive social impact ensuring that brands remain relevant and resilient in an evolving marketplace. 2026 by IGI Global Scientific Publishing. -
Role of Design Thinking in Service Learning Towards Attaining Holistic Development
Higher Education Institutions (HEIs) play a pivotal role in nurturing personal and professional development in students. These institutions are essential in equipping students with the skills required for life. The graduate attributes aid the graduates in attaining the whole person's growth or holistic development. There are many ways through which students can achieve graduate attributes. Service Learning is a structured, credit- based coursework designed by HEIs to accomplish optimal student learning outcomes. It is most beneficial for community students and all other stakeholders. Design thinking in SL involves figuring out peoples problems and developing practical and implementable ideas. Service Learning (SL) is a pedagogical approach that involves applying classroom learning for the improvement and welfare of society. It is a form of inclusive education that bridges the gap between the classroom and society. Despite being a widely used pedagogical approach in HEIs, it also faces specific challenges in its implementation. 2025 by IGI Global Scientific Publishing. -
Engaging Adolescents With ASD in Animal-Assisted Therapy: Benefits of Human-Animal Bond
Adolescents with autism spectrum disorder lack social competence. Considering the chronic nature of the disorder, it becomes essential to focus on this critical developmental phase. For people with ASD, animal- assisted interventions appear to help enhance social functioning. This chapter aimed to explore whether therapy animals could help adolescents with ASD become more socially adept through research utilizing an AB single- case experimental design with two adolescents. The participants were measured on social competence, attention, and memory. Over a month, the intervention was given twice a week for 45-60 minutes, resulting in 8 therapy sessions. With the assistance of a trained dog, a licensed clinical psychologist delivered the AAT sessions. Results show that AAT helps improve social competence alongside fostering better attention and memory. The chapter highlights the role of human- animal interactions in the developmental period of adolescence with ASD. 2025 by IGI Global Scientific Publishing. All rights reserved. -
Understanding the Neuropsychological Profile of Autism Spectrum Disorder
Autism Spectrum Disorder (ASD) is a complex neurodevelopmental condition characterized by impairments in social communication, repetitive behaviors, and sensory processing challenges. This chapter delves into the neuropsychological profile of individuals with ASD, examining key cognitive domains such as executive functioning, social cognition, emotional regulation, and sensory integration. By exploring how these cognitive and behavioral dimensions manifest uniquely in ASD, the chapter highlights the neurobiological and neurocognitive mechanisms that contribute to the disorders heterogeneity. We also discuss the impact of cognitive deficits on adaptive behavior, learning, and daily functioning, emphasizing how individual differences shape developmental outcomes. Current research findings and clinical observations are integrated to provide a nuanced understanding of the diverse neuropsychological patterns in ASD. This chapter aims to equip clinicians and researchers into the cognitive profiles of ASD. 2025 by IGI Global Scientific Publishing. All rights reserved. -
Algorithmic Governance in ESG Ratings: Addressing Bias and Enhancing Transparency in AI- Driven Sustainable Finance
ESG ratings serve as guides for corporate investment and strategic decisions and are appended with numerous biases, inconsistencies, and lack of transparency. The present chapter attempts to examine the ratings of 100 companies from different industries and regions and compare S&P Global with MSCI and Sustainalytics. The chapter researches the effects of size, sector, and regional biases on scores using a mixed- method approach. Findings show that energy- intensive sectors are downgraded because of sustainability efforts; large firms get higher grades due to better disclosure, and performance is also higher for companies in jurisdictions marked by stringent regulations. Inconsistencies in ratings are illustrated further by examples of the specific study cases that deal with BlackRock and Tesla. This chapter brings an AI- enabled framework that uses blockchain and machine learning, as well as real- time information, to boost transparency and standardization in response to these issues. 2025 by IGI Global Scientific Publishing. All rights reserved. -
Impact of ESG Factors on the Financial Performance of Corporates in India
This study investigates the connection between Indian companies' financial results and Environmental, Social, and Governance (ESG) performance, with a focus on socially and environmentally sensitive industries. There is little data on the financial effects of ESG integration in developing nations like India, even though it is becoming more and more crucial for long- term value development. Using a quantitative approach involving ESG ratings and financial indicators (Return on Equity [ROE], Return on Assets [ROA], and Return on Capital Employed [ROCE]) we analyze the performance of firms from 2021 to 2023 in five different sectors. Among the pillars, environmental issues had the most significant effect on material financial success, showing a positive but weak correlation with ESG scores. However, the study also investigates into sectoral distinctions, pointing to differential financial outcomes associated with ESG across industries. 2025 by IGI Global Scientific Publishing. All rights reserved. -
Navigating Towards Sustainability: The Role of Corporate Governance and AI- Driven Behavioral Interventions
The paper explores how corporate governance practices influence non- financial performance, particularly sustainability. Strong governance ensures that ESG principles are integrated into business operations, promoting long- term sustainability. The study examines the effectiveness of AI- assisted behavioral interventions in advancing sustainable practices. AI can mitigate cognitive biases and irrational decisions, pushing individuals and organizations toward sustainability. AI- driven governance frameworks can enhance non- financial performance, including environmental stewardship, social responsibility, and ethical governance. Through case studies and analysis, the paper provides insights into how AI and corporate governance can optimize sustainability strategies beyond traditional financial metrics. 2025 by IGI Global Scientific Publishing. All rights reserved. -
AI Chatbots and Market Dynamics: Analyzing the Impact of AI on the Indian Stock Market
This study examines the potential of ChatGPT v4.0 for stock market analysis, particularly within the Indian stock market. The research uses prompt engineering to assess ChatGPT's ability to recommend stocks, construct portfolios, provide fundamental analysis, and understand price movements. The study combines sentiment analysis of news data with historical price data to forecast future price movements. Results demonstrate ChatGPT's effectiveness in identifying investment opportunities and providing insights for decision- making. The study also evaluates the accuracy of ChatGPTs predictions, finding an 88.89% accuracy rate based on news sentiment analysis and a 94% accuracy rate when integrating sentiment analysis with historical price data. Despite limitations, including constraints in handling large datasets, ChatGPT exhibits promise for supporting investors in the Indian stock market. Future research should focus on refining models and addressing ethical considerations to ensure responsible AI integration in finance. 2025 by IGI Global Scientific Publishing. All rights reserved. -
Leveraging Circular Economy Principles and Emerging Technologies for Future Trends in Sustainable Business Models: A Roadmap to Net-Zero Emissions
This study examines the influence of circular economy concepts and emerging technology on the development of sustainable business models aimed at achieving net- zero emissions. It underscores the significance of resource efficiency, waste reduction, and lifecycle consideration in promoting sustainability. We analyse critical technologies such as blockchain, artificial intelligence, and the Internet of Things for their potential to enhance transparency, simplify processes, and foster stakeholder collaboration. We suggest a detailed roadmap that guides organisations in incorporating these ideas and technologies to establish robust, environmentally sustainable business practices for a sustainable future. 2026 by IGI Global Scientific Publishing.