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We present a scalable architecture for electronic retail payments via central bank digital currency and offer a solution to the perceived conflict between robust regulatory oversight and consumer affordances such as privacy and control. Our…
Decentralized Finance (DeFi) money markets have seen explosive growth in recent years, with billions of dollars borrowed in various cryptocurrency assets. Key to the safety of money markets is the implementation of interest rates that…
Due to the globalization in the semiconductor supply chain, counterfeit dynamic random-access memory (DRAM) chips/modules have been spreading worldwide at an alarming rate. Deploying counterfeit DRAM modules into an electronic system can…
The smart card based authentication schemes are designed and developed to ensure secure and authorized communication between remote user and the server. In recent times, many smart card based authentication schemes for the telecare medical…
This paper delves into the spectrum of credit risks associated with decentralized stablecoin issuance, ranging from overcollateralized lending to business-to-business credit. It examines the mechanisms, risks, and mitigation strategies at…
More and more distributed software systems are being developed and deployed today. Like other software, distributed software systems also need very strong quality assurance support. Distributed software is often very large/complex, has…
Recently, financial institutes have been dealing with an increase in financial crimes. In this context, financial services firms started to improve their vigilance and use new technologies and approaches to identify and predict financial…
Smart contracts are the cornerstone of decentralized applications and financial protocols, which extend the application of digital currency transactions. The applications and financial protocols introduce significant security challenges,…
Can intelligence optimise Digital Ecosystems? How could a distributed intelligence interact with the ecosystem dynamics? Can the software components that are part of genetic selection be intelligent in themselves, as in an adaptive…
With the rapid growth of Information and Communication Technology, Electronic commerce is now acting as a new means of carrying out business transactions through electronic means such as Internet environment. To avoid the complexities…
This study critically examines the methodological rigor in credit card fraud detection research, revealing how fundamental evaluation flaws can overshadow algorithmic sophistication. Through deliberate experimentation with improper…
With the rapid adoption of Internet technologies, digital footprints have become ubiquitous and versatile to revolutionise the financial industry in digital transformation. This paper takes initiatives to investigate a new paradigm of the…
A smart Ponzi scheme is a new form of economic crime that uses Ethereum smart contract account and cryptocurrency to implement Ponzi scheme. The smart Ponzi scheme has harmed the interests of many investors, but researches on smart Ponzi…
Neural networks (NNs) can achieved high performance in various fields such as computer vision, and natural language processing. However, deploying NNs in resource-constrained safety-critical systems has challenges due to uncertainty in the…
The emergence of distributed systems has revolutionized the financial technology (Fintech) landscape, offering unprecedented opportunities for enhancing security, scalability, and efficiency in financial operations. This paper explores the…
The increasing development in the consumer credit card market brings substantial regulatory and risk management challenges. The advanced machine learning models applications bring concerns about model transparency and fairness for both…
This paper investigates the synthesis of distributed economic control algorithms under which dynamically coupled physical systems are regulated to a variational equilibrium of a constrained convex game. We study two complementary cases: (i)…
Digital identities are increasingly important for mediating not only digital but also physical service transactions. Managing such identities through centralized providers can cause both availability and privacy concerns: single points of…
This research introduces an innovative method for identifying credit card fraud by combining the SMOTE-KMEANS technique with an ensemble machine learning model. The proposed model was benchmarked against traditional models such as logistic…
Modern smart grids offer several types of digital control and monitoring of electric power transmission and distribution that enable greater efficiency and integrative functionality than traditional power grids. These benefits, however,…