Volume 1, Issue 1

Predicting Small Business Loan Default Risk Using U.S. SBA 7(a) FOIA Data

Shivanand R Koppalkar

Small businesses sustain nearly half of U.S. private-sector employment, yet a meaningful share of the loans that fund them end in charge-off, and conventional underwriting rarely captures the nonlinear ties among industry, loan structure, and geography that drive that risk. This study predicts and e...

Beyond Price and Benchmark: A Cost–Methodology–Fit Framework for Selecting AI Developer Tools, with a Proposed Evaluation Protocol

Sarthak Patel¹ , Jinit Patel²

The market for AI software-development tools has expanded faster than the frameworks used to evaluate it, leaving practitioners to choose among code-completion assistants, AI-native integrated development environments (IDEs), and terminal-native agents on the basis of headline price or benchmark ran...

Enhancements in Programmable Temperature-Controlled Water Bath

Dr. Gurusharan Kaur , Ayush Gupta , Anisha Singh Yaduvanshi

This paper presents enhancements in the design of a modified water bath system aimed at improving safety, efficiency, and temperature control. A water bath is a widely used laboratory device designed to maintain a constant temperature for applications such as incubation, heating of chemical substanc...

TinyML-Based Speech Emotion Recognition on Microcontrollers Using Quantized CNNs and Mel-Filterbank Energy Features

Mir Muhammad Abidul Haq Ahnaf

This paper presents a real-time, resource-efficient Speech Emotion Recognition (SER) system trained on a modified version of the Toronto Emotional Speech Set (TESS) that includes both male and female voice samples for five emotional labels—Angry, Disgust, Fear, Happy, and Neutral—plus a custom Noise...

Development of an Explainable Artificial Intelligence Framework for Academic Integrity, Inclusive Learning, and Quality Assurance in Digital Higher Education

Mulugeta Tilahun Bekele

Abstract: The rapid adoption of digital higher education has transformed teaching, learning, and assessment by increasing accessibility and flexibility. However, it has also introduced challenges related to academic integrity, equitable access to learning opportunities, and effective quality assura...

Artificial Intelligence-Driven Procurement Optimization and Strategic Performance Enhancement: Evidence from Hydrogen Pharmaceutical PLC

Dr. Tesfay Alemayeh

Artificial Intelligence (AI) is revolutionizing procurement and supply chain management through the use of predictive analytics, automation, and informed decision making. This research examines the impact of AI-based procurement optimization on strategic performance at Hydrogen Pharmaceutical PLC. A...

AI-Driven Universal DNA Extraction and Quality Prediction Framework for Cross-Kingdom Genomic Applications

Mulugeta Tilahun Bekele

Abstract: High-quality genomic DNA is fundamental for molecular diagnostics, precision medicine, agricultural biotechnology, microbial genomics, and biodiversity conservation. However, existing DNA extraction protocols are generally optimized for specific organisms, resulting in inconsistent DNA yi...

A Blockchain–Artificial Intelligence Hybrid Framework for Secure Assessment, Quality Assurance, and Student Trust in Distance Education

Mulugeta Tilahun Bekele

Abstract: The rapid expansion of distance education has increased access to learning but has also intensified challenges related to assessment security, academic integrity, quality assurance, and student trust. Conventional Learning Management Systems (LMS) often rely on centralized architectures t...