Innovative Framework for Secure and Scalable Web and Mobile Application Development in Fintech: A User- Centric and AI - Driven Approach

The increasing complexity of financial fraud schemes has necessitated the adoption of advanced data analytics, AI-driven fraud detection models, and forensic accounting tools to strengthen corporate fraud prevention and regulatory compliance. Traditional fraud detection techniques have proven inadequate in identifying sophisticated financial crimes, prompting organizations to integrate predictive analytics, machine learning algorithms, and real-time transaction monitoring systems to mitigate fraud risks. This paper examines how data analytics enhances financial risk mitigation, the role of AI in automating fraud detection, and the challenges associated with implementing data-driven fraud prevention models. Additionally, it explores the global impact of regulatory frameworks, such as the Sarbanes-Oxley Act (SOX) and international anti-money laundering directives, which drive the adoption of AI-powered risk assessment strategies. By analyzing case studies of multinational corporations that have implemented data-driven fraud detection mechanisms, this research highlights the effectiveness of forensic data analysis in improving corporate transparency and compliance. The findings suggest that AI and data analytics will continue to redefine financial fraud prevention, ensuring corporate integrity and investor confidence in an increasingly digitalized financial landscape. Keywords: Fraud detection, Data Analytics, Ai-Driven Fraud Prevention, Financial Risk Mitigation, Regulatory Compliance, Predictive Analytics, Forensic Auditing, Machine Learning in Fraud Detection, Blockchain Technology in Fraud Prevention, Corporate Financial Security.

ABSTRACTUser Interface (UI) and User Experience (UX) are two crucial factors in the success of information systems, especially web-based applications and mobile applications. Design elements in web or mobile applications can be made more atrractive, by applying several elements in human-computer interaction theory based on user segmentation, product knowledge, consumer behavior, latest marketing theories, both in terms of visuals, after-effects, display sets, content, multimedia, lay-out menus on the web or mobile applications. In the recent state development of tourism in Bali, tourism transactions and promotions are already based on E-Tourism using web media and mobile applications. Making it easier for tourists to access information and services related to ticketing, transportation, accommodation and even travel packages. This study uses the User Interface (UI) and User Experience (UX) methods to view usability and web-quality from a web-based E-Tourism websites that promotes tourism in Bali.Keywords: User Interface, User Experience, E-Tourism, Informastion System, Bali Tourism.ABSTRAKUser Interface (UI) dan User Experience (UX) adalah dua faktor krusial dalam keberhasilan sistem informasi, terutama aplikasi berbasis web dan aplikasi mobile. Elemen desain dalam web dapat dibuat lebih menarik, dengan menerapkan beberapa elemen dalam teori interaksi manusia-komputer berdasarkan segmentasi user, pengetahuan produk, perilaku konsumen, teori pemasaran terbaru, baik dari segi visual, after-effect, display set, konten, multimedia, lay-out menu di web atau aplikasi mobile. Dalam perkembangan pariwisata di Bali saat ini, transaksi dan promosi pariwisata sudah berbasis E-Tourism dengan menggunakan media web dan aplikasi mobile. Sehingga mempermudah wisatawan dalam mengakses informasi dan layanan terkait dengan ticketing, transportasi, akomodasi bahkan paket perjalanan wisata. Penelitian ini menggunakan metode User Interface (UI) dan User Experience (UX) untuk melihat usability dan web-quality dari website layanan E-Tourism yang berbasis web yangmempromosikan pariwisata di Bali.Kata kunci: User Interface, User Experience, E-Tourism, Sistem Informasi, Pariwisata Bali.

Abstract- Transparency, regulatory compliance, and trust in financial ecosystems depend on the integrity of financial reporting pipelines. Financial reporting fraud remains a widespread problem with serious repercussions for markets and stakeholders. Ensuring data quality at every stage is crucial for operational efficiency and successful fraud detection, as businesses depend increasingly on automated data pipelines for real-time financial reporting. With an emphasis on fraud detection capabilities, this paper investigates the development and application of comprehensive data quality frameworks suited to financial reporting pipelines. Post-hoc audits and manual checks are frequently the mainstays of traditional fraud detection methods, which are inadequate for managing large volumes of financial data at high speeds. The credibility of analytics and regulatory reporting can also be weakened by missing, erroneous, and inconsistent data in reporting systems, which can conceal fraudulent activity or produce false positives. Therefore, a strong data quality framework must incorporate domain-specific integrity constraints, anomaly detection logic, lineage tracing mechanisms, and enforce standard data validation rules. In line with anti-fraud goals, this study suggests a structured framework for data quality that combines rule-based, statistical, and metadata-driven validation procedures. Five essential pillars—completeness, accuracy, consistency, timeliness, and integrity—are incorporated into the framework presented in this paper. To identify questionable anomalies and deviations early, each pillar is mapped to particular validation mechanisms, including cross-ledger balancing, reference reconciliation, threshold-based monitoring, schema enforcement, and duplication checks. By incorporating these dimensions into ETL pipelines, organizations can proactively evaluate and score the quality of incoming data and flag records that might point to fraudulent manipulation, such as manipulated ledger entries, underreported liabilities, or revenue misstatements. The framework is integrated into a modular architecture that guarantees practical applicability with contemporary cloud-native data platforms and legacy systems. It uses tools like SQL-based integrity rules to identify transaction irregularities, Apache Atlas to track lineage and transformations, and Apache NiFi to orchestrate validation workflows. Financial controllers and compliance officers are also given access to real-time metrics and dashboards to monitor fraud risk indicators and data quality scores. This study uses a synthetic financial dataset enhanced with known fraud scenarios to assess the efficacy of the suggested framework. The analysis shows that while low-quality data introduces a lot of noise and lowers model reliability, high data quality scores are strongly correlated with fewer false positives in fraud detection models. The study also demonstrates how incorporating data quality validation early in the pipeline lifecycle enhances reporting output trust and speeds up the identification of fraudulent trends. This framework aids in the creation of safe, audit-ready, and compliant financial reporting pipelines by coordinating data quality assurance with fraud detection objectives. Additionally, it fills a significant void in managing financial data, where data quality is frequently viewed as an operational issue rather than a security or compliance requirement. The research's conclusions apply to financial institutions, regulators, auditors, and tech companies who want to improve financial reporting systems' resistance to fraud. This paper argues for a paradigm change in which data quality frameworks are essential to financial reporting fraud detection rather than being merely incidental. Adopting such frameworks will be crucial to creating robust, transparent, and reliable financial ecosystems as the financial sector accelerates digital transformation. Future research could build on this work by incorporating machine learning methods into the data quality scoring process, enabling even more automation and accuracy in fraud detection workflows. Keywords: Data quality, fraud detection, financial reporting pipelines, ETL validation, financial integrity, data lineage, anomaly detection, audit compliance, data governance, metadata-driven validation.

Starting a business in many regions involves obtaining approvals from various regulatory bodies, often resulting in delays due to manual processes, lack of system integration, and procedural inefficiencies. This paper proposes the development of a Smart Approval System, a web and mobile application designed to automate and streamline the business registration and approval process. The platform integrates with existing government portals such as GST, ROC, and MSME, automating compliance verification and significantly reducing processing time. It leverages blockchain technology to ensure data integrity and secure authentication. Features include step-by-step guided registration, real-time progress tracking, and in-app payment processing. A cloud-based backend developed using Python supports robust data management, while a user-centric UI/UX provides guided workflows for entrepreneurs. Role-based authentication is implemented for entrepreneurs, government officials, and consultants. The Smart Approval System introduces an efficient, secure, and scalable approach to modernizing regulatory approval systems. INDEXTERMS—Business Registration, Regulatory Compliance, Blockchain Authentication, Web Application, Mobile Application, Government Integration

This study explores user experiences of a sample of college age young adults from western India, with a bird ID mobile app. Mobile apps provide an attractive and interactive access to information and their reach and versatility can often bypass challenges of poor infrastructure and lack of access to sources for information. Studies that examine the influence of mobile apps on users’ knowledge and awareness are still in their infancy. Mobile phones and mobile applications have become increasingly prevalent in the educational setting, not only as technology for instructional delivery, but also as a means of improving user experience when accessing information. Researchers have been studying the usability features and end- user experiences from mobile applications for innovative design improvements (Tang, Abraham, Stamp & Greaves, 2015). Despite its potential to impact learning and user attitude, very limited research exists on how passive interactions with certain content specific mobile applications may increase users’ knowledge and awareness on issues of contemporary importance to our society. Therefore, given the ever-growing reach of mobile devices and applications, the researcher is interested in exploring if a mobile app that allows users to identify the birds of western India, influences their knowledge and awareness of birds around them. This study will provide insight on how mobile apps may be designed to provide unique experiences leading to awareness and change in conservation knowledge and perception.

The increasing complexity and intensity of cases of financial fraud, such as synthetic identity fraud and international money laundering, have become significant concerns for classic fraud detection solutions, especially under strict data privacy regulations such as GDPR or EU Artificial Intelligence Act guidelines. This study focuses on the very pressing need to pursue high fraud detection performance while simultaneously ensuring user data confidentiality for highly fragmented financial systems. The study uses federated learning (FL) designs to analyse interesting opportunities for possibly entirely decentralized machine learning functions among diverse financial agencies without any need to transfer raw user information among them at all. Using a multimodal research methodology consisting of systematic literature studies, design studies, simulation studies, stress studies, and regulatory investigations, this study comprehensively assesses FL’s effectiveness and privacy pertaining to 2025 regulatory norms. The empirical results prove that FL not only improves overall fraud detection capacities but also ensures decent secrecy on raw personal information, meeting modern regulatory norms while formulating tolerant computing and secrecy constraints. The result implies the utmost importance of continued monitoring and attention to security loopholes, governance structure definitions, and dedicated investments into privacy boosting technologies to tap into FL’s revolutionary positive change potency within finance domains. Therefore, this work provides recent information on FL's dissemination implementation into disjointed finance domains, meeting both theoretical knowledge and practicality pursuits.

Web application have gained increased acceptance over the years in companies and organization as the world move to a global village. Software developers have also grown interest in developing web applications compared to stand-alone application because of the immense benefits it offers such as ubiquity, platform dependence, low cost of support and maintenance, better speed and performance, piracy proof etc. As mobile application emerged in the last decade, attention has been focused on mobile applications by organizations and businesses in order to maximize their profits as much as possible. There has been a rapid increase of software release in the mobile applications store. As the growth of both web application and mobile application increase, the question of quality assurance remains a concern. A comparative study of software testing techniques can be performed to improve the standard of testing of both web and mobile application. This paper therefore reviews the similarity and difference in the testing mechanism.

Early exposure to devices such as smart phones and tablets among children as a learning tool has been very common nowadays. Learning using devices like iPads and tablets can stimulate children's motivation and concentration. Therefore, evaluation and measurement of user experience for mobile learning application become crucial. There were some studies have been done in order to get feedback from users in terms of comparing the application and getting perception rather than observing the quality of the application. This paper presented the study on evaluation of user experience for folktales mobile application called MFolktales by implementing user experience questionnaire tools. The objective of this study is to access the significance and impact of the MFolktales mobile application towards end users. The MFolktales mobile application has been developed based on a validated conceptual model, and the study includes the analysis and the definition of the design principles and requirements. This application contains an animation story module and several games modules which aim to promote Malay folk stories to children. This research is limited to children aged 5 to 7 years old. The prototype was tested on 15 kindergarten students from KEMAS (Community Development Department). As the results, the MFolktales got the positive impression in user perception and achieved as a good product in relative quality.

A Web-Based Perioperative Dashboard as a Platform for Anesthesia Informatics Innovation.

The rapid evolution of financial technology (fintech) platforms has exponentially increased the volume and sophistication of financial transactions, concurrently elevating the risk and complexity of fraudulent activities. This necessitates a paradigm shift in fraud detection methodologies towards more agile, accurate, and predictive solutions. This paper presents a comprehensive study on the transformative potential of advanced Artificial Intelligence (AI) algorithms in enhancing fintech fraud detection mechanisms. By leveraging cutting-edge AI techniques including deep learning, machine learning, and natural language processing, this research aims to develop a robust fraud detection framework capable of identifying, analyzing, and preventing fraudulent transactions in real-time. Our methodology encompasses the deployment of several AI algorithms on extensive datasets comprising genuine and fraudulent financial transactions. Through a comparative analysis, we identify the most effective algorithms in terms of accuracy, efficiency, and scalability. Key findings reveal that deep learning models, particularly those employing neural networks, outperform traditional machine learning models in detecting complex and nuanced fraudulent activities. Furthermore, the integration of natural language processing enables the extraction and analysis of unstructured data, significantly enhancing the detection capabilities. Conclusively, this paper underscores the critical role of advanced AI algorithms in revolutionizing fintech fraud detection. It highlights the superior performance of AI-based models over conventional methods, offering fintech platforms a more dynamic and predictive approach to fraud prevention. This research not only contributes to the academic discourse on financial security but also provides practical insights for fintech companies striving to safeguard their operations against fraud. Keywords: Artificial Intelligence, Fintech, Fraud Detection, Ethical Ai, Regulatory Compliance, Data Privacy, Algorithmic Bias, Predictive Analytics, Blockchain Technology, Quantum Computing, Interdisciplinary Collaboration, Innovation, Transparency, Accountability, Continuous Learning, Ethical Principles, Real-Time Processing, Financial Sector.

User-centered design (UCD) has long been employed to enhance various map-based applications and GIS tools to ensure effective user interfaces. However, existing UCD guidelines cannot cover all relevant aspects, so the design process is becoming difficult; for example, a button should be located on the first page or not. This article presents the development of a mobile map application for park and rides users with user-centered design combined with the user experience. A brainstorming session was conducted gathering mobile application designers, programmer and commuters to generate ideas as to how people would use the application and how they would feel when using the application or user experience. All user experiencefindings were recorded with user journey. Several important aspects, such as a sequence of users’ activitiesand information needed, were identified when user experience was considered during the design process. Additional features (e.g. reward points) were added at an appropriate place to enhance user engagement. The user journey helped me better organize functions, information, and the sequence of the mobile application.

The user experience (UX) seeks to understand how people experience interaction with technological artifacts, from various points of view. Through an empirical research of qualitative nature, the present paper explores how interaction and interface problems impact the user experience in mobile applications focused on urban mobility. To support the study, we evaluated the user experience offered by two of these applications, whose evaluation process consisted of a combination of methods, aiming to cover several aspects of the user experience. The evaluation results emphasize the need of concerning about aspects that go beyond the quality of use in mobile application design. Based on our findings, we present recommendations for designing urban mobility mobile applications that offer a satisfying and enjoyable user experience.

The "Dairy connect" project is a pioneering initiative poised to revolutionize the landscape of dairy product trade. In a world where dairy consumption transcends borders, the need for a dynamic, transparent, and user- centric platform has never been more pressing. Dairy connect is designed to fill this crucial gap, providing an innovative digital marketplace that seamlessly connects potential dairy importers worldwide with major dairy product manufacturers within a specific country. The Challenge: Global demand for dairy products continues to surge, driven by evolving consumer preferences and dietary choices. However, the dairy trade ecosystem often lacks efficiency, transparency, and direct connectivity. Importers struggle to access diverse product offerings, while manufacturers face barriers in expanding their market reach. Regulatory compliance and ethical trade practices further compound the challenge. The Solution: Dairy Connect addresses these challenges head-on. Our platform is founded on three core principles: diversity, transparency, and user-friendliness. Diverse Dairy Offerings: From fresh milk to artisanal cheeses, probiotic-rich fermented milk products, and delectable desserts, Dairy Connect serves as a comprehensive dairy marketplace. Users gain access to a rich array of dairy products, each reflecting the highest standards of quality and authenticity. Transparent Connections: Our platform fosters direct communication between importers and manufacturers, eliminating intermediaries. This transparency empowers users to make informed decisions, build trust, and forge lasting partnerships. User-Centric Design: Dairy Connect Prioritizes user experience. The platform boasts an intuitive interface, advanced search functionalities, and personalized journeys for each user. It leverages data analytics to provide valuable insights into market trends, product performance, and ethical trade practices. Impact and Future Scope: Dairy Connect Holds the potential to reshape the dairy trade landscape. By promoting ethical and sustainable practices, our platform not only drives economic growth but also contributes to a greener, more responsible dairy industry. As we move forward, we envision integrating emerging technologies, such as artificial intelligence and blockchain, to further enhance the user experience and expand our global reach. In a world that increasingly values responsible trade and culinary excellence, Dairy Connect Emerges as a catalyst for change, bringing quality, transparency, and connection to the forefront of dairy trade. Join us on this transformative journey, where every trade represents an opportunity to enrich lives and savor the flavors of dairy excellence. This abstract encapsulates the essence of your project, highlighting its purpose, principles, and potential impact on the dairy trade industry. Keywords: Dairy platform, user-friendly, Export, Import, Trade, web application

PurposeIn the context of overcoming malnutrition in elementary school children and increasing public awareness of this issue, the Indonesian Government has created a “Card for Healthy School Children” (KMS-AS) program in the form of a paper health card. However, currently, the KMS-AS record data are still written on paper, which is less effective in terms of the health process. An integrated measuring device and an online data-recording system are needed to promote children’s health and facilitate access and transfer of data from one place to another. This study aims to develop NFC and IoT-based KMS-AS using sensor fusion method.Design/methodology/approachThe results of this study show that an integrated measuring device for weight, height, body temperature and Spo2 level can be connected with mobile and Web applications using IoT technology, facilitating data recording and monitoring of children’s nutritional status. The sensor fusion method was used for the classification of nutritional status and health status, based on the results of measurement tools. Near field communication (NFC) technology was used to facilitate user identification when making measurements.FindingsThe results show that KMS-AS can facilitate classification of nutritional status and children's health status. Measurement and classification data can be monitored via Web and mobile applications. The accuracy of height, weight, body temperature and Spo2 measurements was 98.21%, 98.59%, 98.93% and 98.93%, respectively.Originality/valueIn this research, the authors successfully produced a system using sensor fusion method for measuring body weight, height, temperature and Spo2 level, which is integrated and can be connected to mobile applications and the Web using the IoT and NFC.

This article studies physicians’ mobile user experiences with evidence-based medical guidelines and drug information databases through the concept of webflow. Data was collected among the 352 users of a mobile medical application. The response rate was 66.5% (n=234). The results demonstrate that rather than usefulness and ease of use it is the orientation and navigation within the system in par with perceived challenges, focused attention, and learning that lead to positive user experience. Finding relevant pieces of information becomes essential in system utilization. The results also support the claim that mobile applications are not only beneficial for patient safety but they may also improve the physicians’ computer and professional skills. Frequent use was noted to improve physicians’ computer skills, the feeling of being in control of the system, and their perception of the system’s ease of use. Moreover, learning may play a greater role for knowledge work than often suggested.