Strategic Framework Research Articles

Anti-jamming for cognitive radio networks with Stackelberg game-assisted DSSS approach

The proposed study introduces a novel anti-jamming approach for cognitive radio networks (CRNs) by integrating the Stackelberg game model with direct sequence spread spectrum (DSSS) techniques. This innovative combination enhances the security and performance of CRNs by optimizing resource allocation and fortifying network resilience against jamming attacks. The Stackelberg game model provides a strategic framework where the Defender and Adversary dynamically adjust their strategies to achieve Nash equilibrium, ensuring strategic stability. The application of DSSS further improves signal robustness, mitigating interference from jamming attempts. Simulation results demonstrate significant improvements in network security, resource utilization, and overall performance, validating the efficacy and advantages of the proposed scheme in maintaining reliable communication in the presence of adversarial threats.

Optimizing Wireless Power Transfer Systems: A Simulation-Based Approach Using CST Studio Suite

In the rapidly evolving field of wireless power transfer (WPT), achieving systems that combine efficiency with reliability is crucial. This paper presents a simulation-based approach using CST Studio Suite to optimize WPT systems for wireless battery chargers in electric bikes. The study fixes the size of both the transmitter and receiver coils, the spacing between turns, and the number of coil turns, with a set distance of 20mm between the transmitter and receiver coils. CST Studio Suite is employed to determine the parameters of resonance capacitors and the optimal switching frequency to enhance WPT efficiency. This powerful simulation tool allows researchers and engineers to design resonance compensation circuits more effectively, optimizing power transfer efficiency. The simulation conducted with CST Studio Suite confirms its effectiveness in designing a WPT system, achieving an impressive peak efficiency of 99.61% at the resonant frequency. The paper demonstrates CST Studio Suite's capability to accurately predict WPT system performance by developing detailed electromagnetic models and fine-tuning simulation parameters to reflect real operating conditions. Iterative simulations resulted in optimized practices, validated by select results that highlight the method's effectiveness and showcase an optimal balance between system complexity and efficiency. These findings provide a strategic framework for future WPT system development, offering practical guidance for researchers and industry professionals aiming to advance WPT technology.

A Guideline Enabling Knowledge Managers to Communicate Better with Business Managers

Aligning Knowledge Management (KM) with overarching business strategies is considered as important for organizational success and sustainability. But this crucial element is often missing in the implementation and operation of KM. This paper explores the concept of "business alignment" within the context of KM, elaborating its critical role in enhancing collaboration, minimizing errors, and supporting optimal outcomes across the enterprise. We suggest a comprehensive definition of KM alignment, where KM activities are strategically integrated with business objectives, ensuring visible and measurable benefits to employees and executives. The research addresses key questions such as what constitutes an organization and how KM can facilitate its survival and growth. An organization is not merely a standalone entity but a collective endeavor that thrives on managing internal and external relationships. We argue that the effective alignment of KM with business strategies ensures that these relationships are optimized, thereby enhancing organizational resilience and adaptability. This holistic perspective visualizes the interconnected nature of businesses and highlights the essential role of KM. Our approach involves a systematic examination of business relationships and their alignment with KM practices. We analyze one case study from the construction industry, illustrating how strategic KM initiatives contribute to their sustained success. Additionally, we propose a set of Key Performance Indicators (KPIs) derived from real-world scenarios, linking them to specific business needs and challenges. These KPIs serve as a roadmap for C-level managers, guiding them in integrating KM into their strategic frameworks. The findings underscore the value of KM in mitigating risks associated with poor relationship management. We provide a process and actionable insights for business leaders on leveraging KM to foster innovation, streamline processes, and enhance overall performance. The paper concludes with practical recommendations for implementing KM solutions tailored to different organizational maturity levels and industry contexts.

Evaluating the Viability and Optimization of Plasma Pilot Plants

Nuclear fusion stands as a promising avenue for achieving a sustainable and abundant energy source. Central to this endeavor is the development of effective pilot plants capable of demonstrating the feasibility of fusion power on a commercial scale. This paper provides a comprehensive evaluation of three leading magnetic confinement fusion configurations: the Advanced Tokamak (AT), Spherical Tokamak (ST), and Compact Stellarator (CS).The Tokamak, characterized by its toroidal shape and strong magnetic fields, has been the most researched and developed fusion device. The analysis focuses on the challenges related to maintaining stability and minimizing disruptions. Furthermore, the optimization strategies involving advanced materials, superconducting magnets, and innovative plasma control techniques are discussed to enhance the Tokamak's viability. In contrast, the Spherical Tokamak, a variant with a more compact and spherical design, promises improved current advancements including the handling of higher heat loads and magnetic field configurations. The Stellarator, with its complex, twisted magnetic field structure, eliminates the need for continuous external current drive, addressing some intrinsic issues of the Tokamak. By comparing these configurations, the paper identifies the relative strengths and weaknesses of each approach in terms of confinement efficiency, operational stability, and engineering feasibility. The evaluation is supported by recent experimental data, simulation results, and technological advancements. Finally, the paper proposes a roadmap for the future development of fusion pilot plants, highlighting the need for an integrated approach that leverages the strengths of each configuration while addressing their individual challenges. The synthesis of this evaluation underscores the importance of continued research, cross-collaboration, and investment in advanced technologies to realize the goal of practical and economically viable fusion energy. This comparative analysis aims to provide a strategic framework for policymakers, researchers, and engineers in the fusion community, fostering informed decisions and prioritizing research efforts towards the most promising fusion energy configurations.

Strategic Framework for Human-Centric AI Governance: Navigating Ethical, Educational, and Societal Challenges

Abstract: Humanity is at the precipice of a profound transformation, propelled by the rapid evolution of artificial intelligence (AI). Once confined to the realm of science fiction, AI now permeates every aspect of daily life, promising significant changes to our social, economic, and personal spheres. As AI systems continue to advance and surpass human capabilities in various domains, they present unparalleled opportunities as well as formidable challenges. This composition explores the dualistic nature of AI, acknowledging its capacity to either augment or disrupt our existence. By examining AI's current state, potential risks, and ethical considerations, we emphasize the pressing need for a comprehensive framework to govern its development and integration. We propose a multifaceted framework built on five fundamental principles: human centered design, transparency and interpretability, accountability and governance, education and upskilling, and inclusive and equitable access. These principles are designed to ensure that AI systems enhance human capabilities, promote transparency, uphold ethical standards, and provide equitable access to the benefits of technology. Through in-depth case studies, we illustrate the practical application of this framework, showcasing AI's impact across various industries while emphasizing the importance of addressing ethical and societal challenges. This composition calls for a collective effort among governments, corporations, and individuals to navigate the rapid expansion of AI responsibly, fostering a future where AI and humanity coexist harmoniously. The ultimate goal is to harness the potential of AI to revitalize society, ensuring that technological progress elevates human dignity and collective well-being instead of rendering us obsolete.

A research paper on how Artificial Intelligence changes the Human Resource Activities inside the organization and provides the significant improvement in workforce working environment for various day to day decisions making along with their efficiency and their productivity

This paper speaks volumes about the various processes of Human resource like recruitment , training, selections, performance and development and workforce planning and how the Artificial Intelligence has revolutionized over the period of time by providing various insights and supporting in the decision making process. Artificial intelligence has provided a bias free and advanced algorithms due to which the screening and scheduling of HR process has been done with accurate parameters and lightning fast speed. This study provides a detailed insight to the AI intervention and its effectiveness in providing a great decision making system to the Human resource professionals. This platform is utilizing the sentiment analysis and catboats to monitor and improve the work place environment, which pushes the positivity in work culture and boosts productivity The AI aids in providing continuous feedback, various goal settings and tracking the performance productivity. This also provides a gist as well as in depth knowledge of top performers of the unit and also share the areas of improvement by which the others can reach up to a new bench mark. This AI has been a boon to the HR individuals thoroughly, especially during the performance appraisals. On the other AI enables personalized training programs and adaptive learning paths, addressing skill gaps and aligning employee development along with organizational goals.The point to ponder over is that the AI has also played a crucial role in workforce planning and analytics, additionally, it has aided by providing tools to forecast future workforce needs, optimize resource allocation, and enhance strategic decision-making. This process which is done by IA is by analyzing large datasets, AI also predicts turnover trends and informs succession planning, contributing to organizational productive and efficient life cycle The research has infused a mixed-methods approach, which combines qualitative and quantitative data collection through surveys, interviews, and case studies, alongside statistical analysis of HR metrics pre- and post-AI implementation. The basics of this research paper aims to provide valuable insights for HR professionals and organizational leaders on leveraging AI to enhance HR effectiveness and drive business success. There a strong determination which ensures that the findings will contribute to the evolving body of knowledge on AI in HR and support the development of strategic frameworks for AI adoption in human resource management on a longer run.

Leveraging Machine Learning Models to Enhance Startup Collaboration and Drive Technopreneurship

In the dynamic and competitive realm of startups, identifying and cultivating effective collaborations is crucial for sustained success. This research evaluates how machine learning (ML) technologies can enhance startup collaborations by advancing decision-making processes through the analysis of historical data. Employing the SmartPLS methodology, this study collected data from 220 stakeholders, including 207 actively engaged in startups that are either utilizing or integrating ML technologies. The investigation focuses on understanding ML models, the importance of historical data, and the dimensions of collaboration critical to the success of startups. Through analysis with PLS-SEM, it was found that ML models significantly boost inter-startup synergy and the effectiveness of collaborative efforts. The results provide vital insights for industry practitioners and strategic decision-makers, offering practical strategies to employ ML in optimizing collaboration and ensuring sustainable growth within the technopreneurship arena. This study not only highlights the benefits of ML in fostering cooperative ventures but also aims to refine the strategic frameworks essential to the startup ecosystem.

Learning interventions in the WHO Eastern Mediterranean region: supporting Member States to get prepared for better response to health emergencies in the region.

The Eastern Mediterranean Region (EMR) faces numerous public health risks caused by biological, chemical, man-made, and natural hazards. This manuscript aimed to assess the multifaceted interventions and strategies used to strengthen the EMR's preparedness capacities to respond properly to current and upcoming health emergencies. To address these challenges, it is crucial to implement comprehensive and robust strategic risk assessments and health emergency preparedness frameworks. The World Health Organization (WHO) takes a risk-based approach, emphasizing the significance of all-hazards emergency management and the creation of national health risk profiles using the Strategic Toolkit for Assessing Risk (STAR). Furthermore, the International Health Regulations (IHR) Monitoring and Evaluation Framework (MEF) ensures continuous learning and capacity building among Member States, enhancing their ability to manage health emergencies effectively. Key components include State Party Annual Reporting (SPAR), Joint External Evaluation (JEE), After Action Review (AAR), Intra Action Review (IAR), and Simulation Exercises (SimEx). Moreover, initiatives like One Health, Emergency Care Systems, Safe Hospitals, and Public Health Emergency Operations Centers (PHEOCs) reinforce preparedness and response capacities. Risk communication and community engagement (RCCE) strategies play a pivotal role in disseminating timely information and fostering community resilience. Furthermore, the management of Chemical, Biological, and Radiological (CBRN) incidents remains a priority, necessitating collaboration between the public health and security sectors. This comprehensive approach aims to strengthen health systems, reduce risks, and improve emergency response capabilities throughout the EMR, thereby promoting global health security and resilience. The EMR is addressing public health challenges through frameworks like IHR-MEF, and RCCE. It is strengthening emergency care systems, ensuring safe hospitals, and establishing PHEOCs. Proactive measures to address CBRN events and collaboration are enhancing resilience. The inclusion of the One Health approach underscores the EMR's holistic strategy to address the health threats at the human-animal-environment interface. This demonstrates the EMR's commitment to global health security.

Strategic framework and global trends of national smart education policies

Integrating intelligent technology to promote smart education, had become a focus of education policies in many countries. However, there was little literature on strategies and trends of smart education policies at the national level. This study investigated the framework for developing national smart education strategies and trends of national policy making on smart education. Based on the Delphi technique method, a National Smart Education Framework was developed, consisting of four essential leveraging points: (1) forward-thinking governance and policy initiatives, (2) digital learning environments conducive to smart education, (3) transformative teaching and learning enabled through technology, and (4) overarching considerations. Additionally, a textual analysis method was employed to analyze 24 smart education policies from 24 countries or organizations, to uncover the strategies and policy trends of smart education in accordance with the proposed smart education framework. Promoting high-quality, inclusive, and accessible education, increasing Internet connectivity and access to digital tools, enhancing digital skills, ensuring information security and privacy, implementing new digital pedagogies, providing real-time feedback, emphasizing critical thinking, problem-solving, and creativity, etc. were the main trends for smart education policy making. The findings of this study provide valuable insights for policymakers and educators in shaping smart education policies and practices worldwide to promote sustainable development.

Analyzing the Digital Infrastructure Enabling Project Management Success: A Hybrid FAHP-FTOPSIS Approach

This research paper examines the digital infrastructure required to achieve project management success by analyzing the enabling elements of this digital infrastructure in terms of three pillars: digital readiness, digital fitness, and digital tools. A comprehensive literature review was conducted to identify these enabling elements and to develop a list of project management success indicators through which the success of project management can be measured. To evaluate and rank the digital infrastructure enabling elements, a Multi-Criteria Analysis (MCA) was implemented using a hybrid approach combining Fuzzy Analytic Hierarchy Process (FAHP) and Fuzzy Technique for Order Preference by Similarity to Ideal Solution (FTOPSIS). The study used the digital infrastructure enabling elements as MCA alternatives and the project management success indicators identified in the literature review as MCA criteria. The results indicated that the enabling elements associated with digital tools are the most significant for project management success, with a FTOPSIS closeness coefficient (CCi) of 0.8525, followed by those related to digital fitness (CCi = 0.6481) and digital readiness (CCi = 0.1602). These findings have proven to be robust, as they remained consistent even when weights of the MCA criteria were adjusted in three new scenarios proposed in a scenario analysis. This research highlights the critical role of digital enabling elements in enhancing project management practice and achieving project management success. It also offers a strategic framework for organizations to develop and strengthen their digital infrastructure.

Relationship Between Information Technology and Multi-competence on Research Quality: Mediating Effect of Research Model Canvas

In the rapidly evolving landscape of academic and industrial research, integrating Information Technology (IT) and Multi-Competence (MC) has become crucial for enhancing research quality (RQ). Despite growing recognition of their importance, the mechanisms through which IT and MC influence RQ, particularly through mediating tools like the Research Model Canvas (RM), remain underexplored. This study investigates the relationships between IT, MC, and RQ, with a specific focus on the mediating role of RM. The objective is to identify how IT and MC contribute to improving RQ and determine how much RM facilitates this process. A purposive sampling method was used to select 110 respondents, and data were collected through structured surveys and in-depth interviews. The data were analysed using Structural Equation Modeling with SmartPLS 4, a robust statistical tool for examining complex variable relationships. The findings reveal that while IT directly enhances RQ, it does not significantly affect RM, nor does RM mediate its effect on RQ. Conversely, MC significantly improves RM, which fully mediates its positive impact on RQ, highlighting the critical role of RM in translating competencies into research quality. The implications of this research suggest that organizations aiming to enhance research quality should focus on directly leveraging IT and utilizing strategic frameworks like RM to effectively channel multi-competence resources into improved research outcomes. This approach ensures that diverse skills meaningfully contribute to research success, particularly when mediated through structured models like the Research Model Canvas.

Long railway track modelling – A parallel computing approach

This paper presents the development of a dynamics model for long track sections. It is based on an established short track model that utilises the Finite Element Method to describe rails and block models to describe sleepers, ballast and subballast. By implementing a parallel computing method, this innovation enables the construction of a true long track model: by segmenting the long track into shorter segments that are easier to compute. The model facilitates simulations to be run in parallel, thereby permitting simultaneous calculations of various numerical track variables. The model employs a Message Passing Interface framework to seamlessly link the track segments, handling the flow of data among the computing cores designated to each subdivided section. This strategic framework allows the long track model with the capability to simulate tracks of virtually any length, with the only constraints being the available computational resources and time. The claimed contribution about modelling capability is verified using two case studies on a 6km-long track involving different practical and conceptual train operational scenarios: emergency braking and constant braking force with constant train speed. These case studies show the flexibility and scalability of the method and its capability to handle complex track dynamic systems.

Proposed Marketing Strategy to Attract Potential Customers and Increase Revenue through Product Diversification in Resik Wangi Auto Detailing

The automotive detailing industry in South Jakarta is experiencing heightened competition, impacting the revenue of Resik Wangi Auto Detailing. This thesis investigates the factors contributing to the revenue decline and proposes a comprehensive marketing strategy focused on product diversification and digital marketing to attract potential customers and increase revenue. The study employs a mixed-methods approach, combining quantitative surveys and qualitative interviews to gather data on customer preferences, market conditions, and business performance. The research identifies that the primary internal challenge is the lack of diversified services, while externally, increased competition and consumer behavior heavily influenced by digital marketing and service quality are critical factors. Key findings indicate that product diversification, particularly through bundled service packages like the “Signature Menu” and “Ultimate Menu,” can significantly enhance customer satisfaction and loyalty. Competitive pricing strategies and a robust digital marketing presence are essential in attracting and retaining customers. The study concludes that by implementing these strategies, Resik Wangi can effectively address its revenue challenges and achieve sustainable business growth.Recommendations for Resik Wangi include the immediate implementation of diversified service packages, enhanced digital marketing efforts, competitive pricing, and a strong focus on service quality. Additionally, future research should explore further diversification opportunities and the impact of emerging technologies on customer engagement and marketing strategies. This research provides a strategic framework for Resik Wangi Auto Detailing to navigate the competitive landscape, improve market positioning, and increase revenue through targeted marketing and service enhancements.

Integrating Smart City Technologies for Enhanced Urban Sustainability

The concept of smart cities has emerged as a transformative approach to addressing urban challenges while promoting sustainability and enhancing quality of life. This paper explores the integration of smart city technologies as a strategic framework for achieving urban sustainability goals. Key components include the deployment of Internet of Things (IoT) devices, data analytics, and digital infrastructure to optimize resource management, improve efficiency in public services, and mitigate environmental impact. By analyzing case studies and current trends, this study underscores the potential of smart city technologies to foster innovation, resilience, and inclusive growth in urban environments. Ultimately, it advocates for a holistic approach where technological integration is leveraged to create sustainable, livable cities for present and future generations.

Virtual reality concerts: Determinants of success using the information system success model

As virtual reality (VR) technology advances, it has become a transformative tool for experiencing events without location, time, or capacity constraints. This development was particularly salient during the COVID-19 pandemic, accelerating the need for virtual event solutions. Despite the growing attention to VR in the event industry, research on the key drivers of successful VR events is lacking. The current study addresses this gap by developing and examining a conceptual model built on the information system success model to identify the determinants of VR concert success. Through empirical analysis, the study reveals that content, system, and service quality are pivotal to shaping attitudes toward VR applications and fostering continuance intention among VR concert attendees. These findings offer valuable insights for industry practitioners and provide a strategic framework to enhance user engagement and retention in VR events. Moreover, this research lays the groundwork for future explorations into VR efficiency in the broader context of virtual events.

Digital transformation as a tool for creating an inclusive economy in Ukraine during wartime

The russian aggression against Ukraine underscores the need to reassess regional strategies for digitalization and inclusivity. The study aims to identify strategies for enhancing these areas during wartime. Taxonomy and cluster and factor analysis methods have shown that regions with a higher level of digitalization have lower levels of poverty and unemployment. Specifically, regions in the top quartile of the digitalization index reported, on average, 12% lower unemployment rates compared to those in the bottom quartile. The analysis identifies distinct regional groupings: areas such as Zaporizhzhia, Kherson, Donetsk, and Luhansk are partially occupied and exhibiting low digitalization and inclusivity, in contrast with Mykolaiv and Kirovohrad that show moderate progress. Rural regions face a significant digital divide, with only 60% of rural households having stable internet access compared to 90% in urban areas. Factor analysis confirms that wartime conditions have accelerated digital transformation, evidenced by a 42% increase in Diia app usage from 2021 to 2023 and a rise in internet penetration from 62% in 2019 to 78% in 2023. Additionally, IT sector export revenues grew by 20% in 2022, and technology startups doubled between 2019 and 2023. The study proposes a strategic framework for regional adaptation: intensive digitalization and inclusivity for Zaporizhzhia, Kherson, Donetsk, and Luhansk regions; digitalization for Mykolaiv region; inclusivity for Kirovohrad and Zakarpattia regions; and balanced adaptation for Chernivtsi and Khmelnytskyi regions. Recommended measures include modernizing digital infrastructure, expanding educational opportunities, supporting startups, and aligning digital and social initiatives to foster regional resilience and development.

Directions for Effective Use of Modern Marketing Research in Increasing the Export of Leguminous Products

This paper explores the pivotal role of modern marketing research methodologies in augmenting the export potential of leguminous products. In a global marketplace, the demand for legumes continues to rise, creating an opportune moment for exporters. However, realizing this potential necessitates a nuanced understanding of market dynamics, consumer preferences, and effective marketing strategies. The paper begins by delineating the current landscape of leguminous product exports, highlighting the challenges faced by exporters in penetrating diverse international markets. It then delves into the multifaceted benefits of employing modern marketing research techniques, emphasizing their role in identifying target markets, understanding consumer behavior, and crafting tailored marketing campaigns. Moreover, the research delineates various modern marketing research methodologies, including data analytics, consumer surveys, and trend analysis, elucidating their practical applications in the leguminous export industry. By integrating these methodologies, exporters can gain insights into market trends, competitive positioning, and consumer perceptions, enabling them to develop innovative strategies for market expansion. Furthermore, the paper offers a strategic framework for the effective utilization of modern marketing research in the context of leguminous exports. It emphasizes the significance of data-driven decision-making, adaptive marketing strategies, and agile market responsiveness. In conclusion, this paper underscores the indispensable role of modern marketing research in enhancing the export prospects of leguminous products. By leveraging these methodologies effectively, exporters can navigate the complexities of global markets, capitalize on emerging trends, and foster sustained growth in the leguminous product export industry.

Promoting the adoption of digital technology: Strategic policy insights from a network effects model

This paper examines a dynamic model of digital adoption by firms, incorporating network effects and highlighting the crucial role of government intervention to avoid a low stable equilibrium. The paper presents a strategic policy framework for promoting digital adoption effectively, offering three key insights for policy efforts targeting SMEs.First, there is a risk of ending up at a stable low equilibrium rate of digital adoption despite an initial surge in interest. Sustaining momentum beyond initial promotion efforts is essential. Second, it is critical to make a significant push when the digital adoption rate is approaching critical mass. This tipping point enables continuous, self-sustaining expansion. Third, understanding technology adoption cycles and allocating resources effectively is crucial. Once the adoption rate passes the critical threshold, further adoption occurs without promotional interventions. Resources should then be reallocated to foster the adoption of new technologies or applications, ensuring optimal use of limited resources to drive ongoing innovation and progress.The study also reveals that countries with a larger population of SMEs, due to either a large population or strong entrepreneurial environment, may find it relatively easier to promote digital adoption in this sector.

Advance Methodology for Effective Implementation of Ambidextrous Innovation Culture

The organizations are facing a challenge of sustaining long-term business performance. As literature suggests, such long-term business performance can be attained through innovation. The ambidextrous innovation framework appears to be a key strategic framework that organizations can adopt in order to sustain their long-term business performance. Ambidextrous innovation is impactful because it helps organizations carry out both radical innovation, referred to as explorative, and incremental innovation, often referred to as exploitative innovation. However, implementing and adopting such a framework presents significant challenges that organizations have to face. Early insights and theories suggest that innovation, and more specifically ambidextrous innovation, requires a conducive culture that promotes behavioral patterns such as risk-taking, application of new ideas, collaboration, and cooperation. In light of such insights, the aim of the present research is to build the methodological toolbox to extract key insights and build theoretical models that assess the relationship between ambidextrous innovation and organizational culture. More specifically, this research guides organizations in modeling the culture so it can facilitate the implementation of ambidextrous innovation. The methodological stance and guidelines suggest that key grounded theory and action research methodologies of qualitative research can be employed to collect and analyze the data, leading to a theoretical model explaining the nuances of the culture necessary for the adaptation and implementation of ambidextrous innovation.

Harnessing RegTech for Financial Inclusion: Enhancing Compliance and Security in the Modern Financial Landscape

Purpose: The integration of Regulatory Technology (RegTech) into the financial inclusion landscape addresses the complex compliance and security challenges faced by financial institutions in an increasingly ambiguous technological environment. Methodology: The study is conducted through a comprehensive analysis of current patterns, advantages, and disadvantages, supported by real-world case studies, Findings: This study reveals how RegTech, powered by machine learning, artificial intelligence, and blockchain, significantly enhances compliance efficiency, reduces operational costs, and safeguards sensitive financial data. Additionally, a strategic framework for implementing RegTech solutions is presented, offering practical recommendations to ensure compliance while fostering a secure and inclusive financial environment. Unique Contribution to Theory, Practice and Policy: The findings contribute new insights into RegTech's role in advancing financial inclusion, provide guidance for financial institutions on effective adoption strategies, and inform policy by emphasizing the need for regulatory support to fully leverage RegTech for broader financial inclusion goals.