INTERNATIONAL JOURNALS OF MULTIDISCIPLINARY RESEARCH ACADEMY

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International Journal of Management, IT & Engineering (IJME)
ISSN: 2249-0558

Volume 16, Issue 4 (April 2026)

PARTICULAR	Page No.
Evaluating Model-Based Products in Enterprise Program Management: A Governance and Decision Framework for Technical Program and Product Managers Prakash Achuthan DOI:18.A003.ijmra.2026.J1501.10.28945 Abstract: Model-based products powered by artificial intelligence and large language models generate probabilistic outputs that introduce reliability risk, cost variability, performance drift, explainability limitations, data dependency, and organizational adoption challenges [1][2]. Download full Lenght Paper......	1-6
AI Governance in Large-Scale Enterprise Financial Systems: A Multilayer Framework for Risk, Compliance, and Trust Sudeep Agarwal DOI:18.A003.ijmra.2026.J1501.10.28946 Abstract: Artificial intelligence (AI) is increasingly embedded in large-scale enterprise financial systems, where it supports credit decisioning, fraud detection, risk management, and regulatory reporting. Download full Lenght Paper......	7-15
ARTIFICIAL INTELLIGENCE AND THE NATIONAL EDUCATION POLICY (NEP) 2020: A QUALITATIVE EXPLORATION OF INTEGRATION, OPPORTUNITIES, AND CHALLENGES Dr.T.Mohana Sundari DOI:18.A003.ijmra.2026.J1501.10.28947 Abstract: The integration of Artificial Intelligence(AI) into education has become a defining feature of 21st-century pedagogical transformation. AI technologies such as intelligent tutoring systems, adaptive learning platforms, and predictive analytics are reshaping teaching and learning into more personalized, data-driven processes. Download full Lenght Paper......	16-22
Impact of Perception Factors and Awareness on Mutual Fund Investment Decisions Dr.Kshama Ganjiwale , Dr.Sandeep Malu DOI:18.A003.ijmra.2026.J1501.10.28948 Abstract: Mutual funds have become a popular investment option due to their diversification and professional management benefits. However, investment decisions are largely influenced by investors’ perception, awareness, and behavioural factors. This study aims to examine the impact of various perception factors on mutual fund investment decisions and to analyse the level of awareness among investors. Download full Lenght Paper......	23-32
A Graph Neural Network-Enabled Machine Learning Framework for Secure Financial Fraud Detection Dr. P.S. Thakur DOI:18.A003.ijmra.2026.J1501.10.28949 Abstract: Financial fraud causes global losses exceeding USD 5.1 trillion annually, with the rapid digitization of financial services continuously expanding the attack surface available to malicious actors. Conventional rule-based and classical machine learning fraud detection systems suffer from two fundamental shortcomings: they operate on isolated transaction records without capturing relational patterns among accounts, and they exhibit poor adaptability to the adversarial concept drift characteristic of sophisticated fraud rings. Download full Lenght Paper......	33-40

International Journals of MultidisciplinaryResearch Academy (IJMRA)

Volume 16, Issue 4 (April 2026)

International Journals of Multidisciplinary
Research Academy (IJMRA)