Recent Trends in Data Mining and Business Forecasting (P-ISSN: 3139-3888) https://matjournals.net/engineering/index.php/JTDMBF en-US Fri, 05 Jun 2026 08:49:50 +0000 OJS 3.3.0.8 http://blogs.law.harvard.edu/tech/rss 60 Algorithmic Blockchain Tax Rebates via Central Bank Digital Currencies (CBDC) Automation https://matjournals.net/engineering/index.php/JTDMBF/article/view/3824 <p><em>India’s agricultural sector is the backbone of its economy, yet the current system for distributing subsidies is often plagued by corruption, “ghost farmers,” and long delays. To solve this, the research proposes a system that combines the security of blockchain with India’s new Central Bank Digital Currency (CBDC). Instead of waiting months for paperwork to be processed, this framework uses smart contracts essentially self-executing digital rules to automatically verify a farmer’s eligibility and send money directly to their digital wallet in under 15 minutes. It introduces the Hybrid Confidential Financial Data Sharing Framework (HC-FDSF), which uses advanced math to keep personal details like Aadhaar and land records private while still allowing the government to audit transactions for fairness. By removing middlemen and automating the math behind tax rebates and payouts, the system could cut fund leakages by over 95%. Although challenges like digital literacy and technological integration remain, this study provides a blueprint for a faster, more transparent financial ecosystem. Ultimately, this research shows how technology can ensure that every eligible farmer receives their entitled benefits instantly and securely.</em></p> Dipti S. Lopes, Rohan Suryaprakash Tripathi, Ayush Vikas Singh, Vansh Prasanna Ail, Hardik Hitesh Patil, Om Pramod Kadam Copyright (c) 2026 Recent Trends in Data Mining and Business Forecasting (P-ISSN: 3139-3888) https://matjournals.net/engineering/index.php/JTDMBF/article/view/3824 Sat, 04 Jul 2026 00:00:00 +0000 Driving Enterprise Efficiency through Digital Transformation: Evidence from Intelligent Automation and Cloud-Based Business Ecosystems https://matjournals.net/engineering/index.php/JTDMBF/article/view/3967 <p><em>The continuous acceleration of digital technologies has fundamentally reconfigured how contemporary organizations design operations, compete in dynamic markets, and deliver customer value. Across diverse industry domains, enterprises are increasingly deploying intelligent automation, cloud computing platforms, and interconnected digital ecosystems to optimize operational workflows, bolster customer experience, and build long-term organizational resilience. This study investigates how digital transformation drives enterprise efficiency through the strategic deployment of intelligent automation and cloud-enabled business architectures. Utilizing a multi-theoretical framework anchored in the Technology–Organization–Environment (TOE) Framework, Socio-Technical Systems Theory, and the Technology Acceptance Model (TAM), the paper establishes a detailed conceptual understanding of the mechanisms linking digital innovation to elevated organizational performance. To complement theoretical perspectives, this study conducts empirical comparative case analyses of two enterprise initiatives: the FYI Booking Platform and the JustHealth Platform. These case studies highlight the transformational impact of cloud-native infrastructure, automated workflow orchestration, centralized information management, and data-driven decision-making systems in driving operational excellence. The findings indicate that technological deployment alone is insufficient; superior performance, scalability, quality improvements, and sustainable cost reductions are realized primarily when organizations harmoniously align technological tools with human capital, process redesign, and cultural readiness.</em></p> Ankit Jain Shastri Copyright (c) 2026 Recent Trends in Data Mining and Business Forecasting (P-ISSN: 3139-3888) https://matjournals.net/engineering/index.php/JTDMBF/article/view/3967 Thu, 06 Aug 2026 00:00:00 +0000