Muthaiyah, Saravanan
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Journal : Emerging Science Journal

Federated Risk-Based Access Control Model for P2P Lending Platforms: A Multi-Agent Systems (MAS) Approach Muthaiyah, Saravanan; Nguyen, Lan Thi Phuong; Choong, Yap Voon; Zaw, Thein Oak Kyaw
Emerging Science Journal Vol 8, No 6 (2024): December
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2024-08-06-05

Abstract

This study addresses the inherent risk management challenges in decentralized finance, particularly for peer-to-peer (P2P) lending platforms. We propose a novel framework that leverages a Multi-Agent System (MAS) to establish a collaborative network encompassing loan originators, investors, regulators, and service providers. This distributed approach facilitates federated risk management, where risk assessment and mitigation responsibilities are shared across these entities. The MAS employs a comprehensive nine-factor assessment (detailed in Table 5) to evaluate industry risk profiles, considering industry environment, competition, and internal capabilities. This data is further visualized using a color matrix (Tables 5 & 6) and utilized alongside state diagrams (Figure 2) to depict the workflow and manage tasks within the P2P lending process. Additionally, the MAS informs a novel Federated Risk-Based Access Control (FRkBAC) system that tailors access permissions (lending origination, disbursement, etc.) based on dynamic risk assessments of industry trends and individual borrower profiles. This data-driven approach fosters trust within the P2P ecosystem and represents a significant advancement in decentralized finance risk management compared to traditional methods. Doi: 10.28991/ESJ-2024-08-06-05 Full Text: PDF
IoT-Driven Emotional Data Analytics for Medical Applications: Insights and Innovations Akila, D.; Pal, Souvik; Vijayarani, M.; Sarkar, Bikramjit; Anbananthen, Kalaiarasi Sonai Muthu; Muthaiyah, Saravanan
Emerging Science Journal Vol. 10 No. 1 (2026): February
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2026-010-01-05

Abstract

This study introduces the Internet of Things-based Emotional State Detection Model (IoT-ESDM), a comprehensive and intelligent emotional computing framework aimed at detecting and managing anxiety-related behavior in healthcare environments. The model leverages a multi-modal approach that combines facial expression analysis, physiological signal monitoring, and AI-driven classification to accurately identify emotional states in real time. Core components of the system include fuzzy color filtering, histogram analysis, and virtual face modeling, which work together to extract relevant emotional features from input data. These features are then analyzed to provide adaptive, personalized feedback to patients or caregivers, enhancing emotional well-being support. Experimental results demonstrate the superior performance of IoT-ESDM over existing emotion detection systems. The model achieved a feedback ratio of 97.54%, accessibility ratio of 95.3%, detection accuracy of 92.7%, and a classification accuracy of 98.13%. Additionally, it showed a quality assurance rate of 94.13%, contributed to a 29.1% reduction in anxiety levels, and yielded a health outcome ratio of 94.5%. These metrics validate the system's effectiveness in clinical and real-world applications. The success of IoT-ESDM highlights its potential as a powerful tool for emotion-aware AI interventions, paving the way for future advancements in mental health monitoring and personalized healthcare solutions.