NOLEGEIN- Journal of Business Risk Management

Leveraging Artificial Intelligence for Intelligent Risk Management in Small-Scale IT Projects

2026-04-30T08:21:40+00:00

Small-scale information technology (IT) projects are important in ensuring agility to the organization but portend very high mortality rates. Conventional, manual risk management models are usually highly simplistic and reactive in nature and they cannot fit the Agile/DevOps world of small and medium enterprises (SMEs) due to the lack of sufficient data, which is the central focus of this paper.1 Although Artificial Intelligence (AI) has the needed paradigm shift in terms of active and predictive foresight 1, the most current solutions are enterprise-based with an artificial technological and financial barrier.2 We describe how we designed an open- source application based on the framework and empirically validated the application. The PoC, which was created on the zero-cost stack of Streamlit and Scikit-learn, showed a high predictive capability using an interim dataset of N=51 real- world small IT projects. The comparative analysis revealed that the Random Forest model had 60.00% predictive accuracy and the count of Stakeholders is the most conclusive risk factor (Importance = 0.7). This study confirms the possibility of designing a lightweight, available and data-driven risk intelligence tool, giving an empirically supported blueprint of how to improve the resilience of projects within the context of SMEs.

Managing Risk to Enhance Collaboration and Impact in Multidisciplinary Academic Research

2026-04-30T07:18:02+00:00

Multidisciplinary academic research has become indispensable in addressing complex global challenges that span technological, social, economic, and environmental domains. As contemporary problems grow increasingly interconnected, no single discipline can provide comprehensive solutions, making collaborative inquiry both necessary and valuable. While collaboration across disciplines enhances innovation, creativity, and societal relevance, it also introduces significant uncertainties related to governance structures, coordination mechanisms, ethical compliance, data stewardship, and equitable resource allocation. These uncertainties often stem from differences in disciplinary norms, methodologies, communication styles, and institutional expectations. If inadequately managed, they can weaken collaborative relationships, create inefficiencies, and ultimately limit research effectiveness and impact. This paper reconceptualizes risk management not merely as a defensive or compliance-driven function, but as a strategic capability that actively supports collaboration and amplifies research outcomes in multidisciplinary academic environments. An integrated risk-oriented approach is proposed, emphasizing continuous risk identification, assessment, mitigation, and monitoring throughout the entire research lifecycle—from project design to dissemination. The study further highlights the importance of adaptive governance mechanisms, transparent coordination practices, and a culture of shared responsibility in managing the complexity arising from disciplinary diversity and international partnerships. Embedding risk- conscious practices within academic research systems enhances resilience, fosters trust among collaborators, improves research quality, and contributes to sustainable, high-impact scholarly and societal outcomes.

Savings to Investments: A Study of Financial Behaviour among Salaried Individuals

2026-04-30T07:24:46+00:00

The transition from saving to systematic investment has become increasingly significant in emerging economies, particularly among salaried individuals who rely on fixed monthly incomes. This study examines the financial behaviour, investment preferences, and risk orientation of salaried individuals through an empirical investigation. Primary data were collected from 150 respondents using a structured questionnaire, and statistical tools including descriptive analysis, Chi-square tests, Spearman’s correlation, and One-Way ANOVA were applied to examine relationships between demographic factors and investment
choices. The findings indicate a strong preference for traditional and low-risk investment avenues such as bank deposits, insurance policies, and post office savings schemes. Return on investment and time horizon emerged as dominant determinants influencing investment decisions, while overall risk tolerance was found to be low among most respondents. The study reveals variations in investment patterns across demographic groups. Age demonstrated a statistically significant influence on risk tolerance levels. Despite moderate levels of financial awareness, most respondents allocate a relatively small proportion of their savings toward investment, highlighting the need for improved financial planning and literacy initiatives. The results provide insights for financial institutions, policymakers, and advisors seeking to design targeted investment products and educational programs tailored to salaried investors.

A Study on Financial Trading and Investment Practices at BigBulls

2026-04-30T06:39:32+00:00

Financial trading and investment practices play a crucial role in shaping portfolio performance and risk management strategies in modern financial markets. This study examines the trading and investment practices adopted at BigBulls, with a focus on decision-making processes, trading instruments, risk assessment methods, and portfolio diversification strategies. The research aims to understand how market analysis, technology-driven tools, and investor behavior influence trading outcomes at BigBulls. Both primary and secondary data sources are utilized, including interactions with market participants, internal reports, and publicly available financial data. The study evaluates the effectiveness of various trading strategies such as intraday trading, positional trading, derivatives trading, and long-term investments. Emphasis is placed on the role of technical and fundamental analysis in guiding investment decisions, as well as the use of digital platforms and real-time market data for execution efficiency. Findings indicate that structured risk management practices, timely market analysis, and disciplined investment approaches significantly enhance return potential while minimizing losses. The study also highlights the importance of investor awareness, regulatory compliance, and continuous monitoring of market trends in achieving sustainable financial performance. Overall, the research provides valuable insights into the operational framework and strategic practices at BigBulls, offering practical implications for investors, financial institutions, and market intermediaries

Assessing the Role of India Post Payments Bank in Promoting Financial Inclusion: A Study on Customer Satisfaction

2026-04-30T07:03:01+00:00

Financial inclusion remains a critical objective in India’s economic development agenda, particularly in extending formal banking services to rural and underserved populations. India Post Payments Bank (IPPB), launched in 2018 under the Department of Posts, represents a unique institutional model that combines digital banking with an extensive postal network to enhance financial accessibility. This study assesses the role of IPPB in promoting financial inclusion, with a specific focus on customer satisfaction. A descriptive research design was adopted, and primary data were collected from 60 respondents across Delhi and Delhi NCR using a structured questionnaire. The findings indicate that IPPB has significantly improved accessibility to banking services, especially in rural and semi-urban areas, through doorstep banking, Aadhaar Enabled Payment Systems (AEPS), and digital platforms such as UPI and mobile banking. A majority of respondents expressed satisfaction with service quality, accessibility, and ease of technology use. However, certain challenges, including technical delays and limited awareness of digital features, were identified. The study concludes that while IPPB has made substantial progress in bridging the financial inclusion gap, continued emphasis on digital literacy, grievance redressal mechanisms, and service enhancement is essential to sustain customer satisfaction and long-term engagement. The research provides practical insights for policymakers and banking institutions aiming to strengthen inclusive banking initiatives in India.