Papers by Chetankumar Prajapati
International Journal of Innovative Science and Research Technology (IJISRT), 2025
This paper examines the perceived risks and challenges associated with the adoption of cryptocurr... more This paper examines the perceived risks and challenges associated with the adoption of cryptocurrencies. Using qualitative interviews with stakeholders across the fintech and blockchain sectors, the study identifies major deterrents including volatility, regulatory uncertainty, cybersecurity threats, and lack of consumer protection. The findings reveal how both emotional and cognitive perceptions of risk hinder broader public adoption. Many participants highlighted the influence of media sensationalism and anecdotal experiences, which amplify fears related to scams and technical complexity. Furthermore, perceptions varied significantly across user groups, with institutional investors focusing on legal ambiguity and operational risks, while retail users emphasized usability issues and fear of irreversible losses. Understanding these perceptions is critical to creating strategies for building user confidence, promoting safe practices, and ensuring sustainable growth in the cryptocurrency space. The study recommends the development of transparent regulatory guidelines, improved cybersecurity standards, and more user-friendly onboarding experiences. By addressing the psychological and structural barriers simultaneously, stakeholders can facilitate a more inclusive and secure environment for cryptocurrency adoption. This research contributes to the growing body of work examining behavioral finance in digital economies and underscores the importance of human-centric approaches in technology diffusion.
Self Published, 2025
The rapid globalization and technological development all over the world has brought new technolo... more The rapid globalization and technological development all over the world has brought new technology advancement for the population. As people are enjoying the benefits of technological advancements their privacy and security has also been under risk. For catering the demand of better services, the organizations are using data collected from different devices for understanding the preference of customers and providing services. This has led to the organizations collecting large volumes of data from every device and network used by the customers and individuals. The organizations have all kinds of customer data like health, finance and personal data of several individuals (Nahai, 2018). The collection of such data is for providing better customer services and enhancing user experience. But there are also demerits of collecting such types of data. Collecting these data can also affect the user’s privacy and security. Several regulations and provisions are necessary so that organizations do not use this data for ulterior purposes (Prajapati, 2025). The regulations guide the organizations and companies for using personal data of the citizens of a country and the place of business operation. It helps in reducing crime and misuse of data. The laws and regulations force the companies to follow strict data privacy policies and maintain effective security standards so that the chances of data breach is reduced and there is no loss of data. This is an approach to keep the user data secure. Loss of such personal information can affect personal lives of several individuals within a country. Thus, there is a need of various data privacy regulations like General Data Protection Regulation issued by the European Union parliament.
International Journal of Innovative Science and Research Technology (IJISRT), 2025
This paper investigates the global awareness and understanding of Decentralized Finance (DeFi) by... more This paper investigates the global awareness and understanding of Decentralized Finance (DeFi) by analyzing the perceptions of diverse demographic groups. Using a qualitative methodology based on interviews with blockchain professionals and users from multiple countries, this study identifies knowledge gaps, regional differences, and educational factors impacting DeFi adoption. The findings indicate that while awareness is increasing in technologically advanced regions, substantial educational and infrastructural barriers persist in developing countries. Participants shared varied experiences ranging from comprehensive DeFi usage to initial confusion regarding its core concepts, highlighting the uneven distribution of blockchain literacy. Moreover, cultural perceptions, local economic conditions, and trust in traditional financial systems significantly influence the degree of DeFi adoption. Key factors such as language accessibility, availability of localized content, community engagement, and government stance on digital assets also contribute to shaping user attitudes. This paper contributes to the growing body of literature on DeFi by offering practical insights into how global awareness initiatives can support equitable adoption and engagement with decentralized financial systems. It further emphasizes the importance of coordinated efforts between industry stakeholders, educators, and regulators to design scalable and inclusive educational programs that address global disparities in DeFi comprehension and foster informed participation in the decentralized financial landscape.
ProQuest Dissertations & Theses, 2025
The widespread use of decentralized financial (DeFi) systems and cryptocurrencies has triggered a... more The widespread use of decentralized financial (DeFi) systems and cryptocurrencies has triggered a time of tremendous innovation in blockchain and financial technology. This research aimed to analyze the current discussion around these scientific accomplishments. It was vital to review the viewpoints that have been circulated and published recently. The widespread acceptance of decentralized currency services, combined with the growing perception that traditional monetary systems may no longer be necessary, has posed significant challenges to long-established financial theories. For example, Ethereum offers a decentralized platform for providing money services without authorization (Wronka, 2023). Bitcoin and Ethereum are two examples of digital currencies trending and important to many people's financial portfolios. More people are buying and using both of these digital currencies. This study investigated and evaluated the changing public perceptions about the partnership between the blockchain platform, cryptocurrencies, and the financial industry. The study also provided instances of potential solutions to these issues. The financial sector is undergoing a paradigm shift due to the integration of financial and technological concerns within corporations. This convergence has led to significant changes that profoundly impact the entire sector. As a result, a new era of inclusive and accessible financial services is emerging, challenging, and transforming established traditions. This shift disrupts traditional practices and paves the way for more equitable and innovative financial solutions.
International Journal of Innovative Science and Research Technology (IJISRT), 2025
The convergence of Artificial Intelligence (AI) and Blockchain technology is reshaping the financ... more The convergence of Artificial Intelligence (AI) and Blockchain technology is reshaping the financial industry. AI enables intelligent data analysis, fraud detection, and automation, while blockchain ensures decentralized, secure, and transparent record-keeping. This paper explores the integration of AI and blockchain in financial applications, focusing on security, decentralization, smart contracts, and AI-driven consensus mechanisms. A review of 20+ scholarly sources from IEEE and ScienceDirect highlights opportunities, challenges, and future research directions. While the synergy between AI and blockchain presents promising applications in finance, regulatory hurdles, scalability issues, and computational overhead pose challenges. The study concludes that AI-blockchain integration has the potential to enhance financial services, improve efficiency, and establish new trust models, but requires careful implementation and governance.
John Wiley & Sons, Inc., 2021
Background: There is renewed interest in the use of whole blood (WB) for the resuscitation of tra... more Background: There is renewed interest in the use of whole blood (WB) for the resuscitation of trauma patients. Platelet function in stored WB compared to platelet concentrates is not well established and was assessed in vitro in this study. Methods: Leucocyte-depleted cold-stored WB (CS-WB) was prepared using a Terumo WB-SP Imuflex kit and held at 2-6°C alongside: (A) UK standard pooled platelets stored at 20-24°C (RT-PLTS), (B) pooled platelets stored at 2-6°C (CS-PLTS), and (C) platelet-rich plasma produced using the Terumo kit (CS-PRP), for 21 days. A series of in vitro assays were assessed platelet function. Results: Platelet count was retained to 57 ± 14% of starting number at day 21 in CS-WB. Over time, CS-WB platelets become more activated, with
Advances in Bioresearch, 2021
The presence and distribution of enzyme-producing bacteria in the Proximal (PI), Middle (MI) and ... more The presence and distribution of enzyme-producing bacteria in the Proximal (PI), Middle (MI) and Distal (DI) segments of the gastrointestinal tracts of Indian Major Carp fresh water fishes (Catla catla, Labeo rohita and Cirrhinus mrigala) are studied. The data are represented as log viable counts per gram of intestine (LVC). Except for L. rohita, the heterotrophic bacterial community is found to be the most common in the DI area of all fish species investigated. Proteolytic and amylolytic bacteria are recorded as the most common in the DI, while cellulolytic and lipolytic populations are found more common in the DI of C. mrigala and C. catla, respectively. The most promising three bacterial isolates are found using a quantitative enzyme assay and identified using a 16S rRNA gene sequence analysis. VDC7 isolated from C. catla and VDR11 isolated from L. rohita both exhibited high similarities to distinct strains of Bacillus marisflavi, where as VDM3 obtained from C. mrigala is comparable to Bacillus oceanisediminis. The 16S rRNA gene sequences for isolates VDC7, VDR11 and VDM3 are assigned to the NCBI GenBank with accession codes KF377322, KX495267.1 and JQ660684.1, respectively. The current study may establish the way for further research into the potential applications of gut-associated extracellular enzyme generating bacteria as a Probiotic in fresh water aquaculture.
BioMed Central, 2018
Background: Obstetric brachial plexus injuries (OBPIs) are rare but can have significant implicat... more Background: Obstetric brachial plexus injuries (OBPIs) are rare but can have significant implications for those affected, their caregivers and the health system. Symptoms can range from restricted movement to complete paralysis of the arm. We investigated health-related quality of life in adults with OBPIs and parents of children with permanent OBPIs, compared these with population norms, and investigated whether certain socio-demographic or clinical factors were associated with the quality of life in these cohorts. Methods: A cross-sectional study examined 50 affected adults and 78 parents. Participants completed EQ-5D-5 L and characteristics questionnaires. EQ-5D-5 L responses were mapped onto an EQ-5D-3 L value set to generate utility scores. Mean utility scores were compared with English population norms. Univariable and multivariable linear regression models were conducted to assess for associations between participant characteristics and the utility scores. Results: The overall mean utility scores for affected adults and parents were 0.56 (SD 0.28) and 0.80 (SD 0.19) respectively. Affected adults (95% CI (-0.38,-0.22), p < 0.001) and parents of children with permanent OBPIs (95% CI (-0.10,-0.02), p = 0.007) had lower mean utility scores, and therefore quality of life, compared to English population norms. For affected adults, previous OBPI surgery (95% CI (0.01, 0.25), p = 0.040), employment in nonmanual work (95% CI (0.06, 0.30), p = 0.005) and having a partner (95% CI (0.04, 0.25), p = 0.009) appeared to be positively associated with the utility score. Affected adults receiving disability benefits related to OBPIs appeared to have worse utility scores than those not receiving any disability benefits (95% CI (-0.31,-0.06), p = 0.005). For parents, employment was associated with better utility scores (95% CI (0.02, 0.20), p = 0.024) but the presence of one or more medical condition appeared to be associated with worse utility scores (95% CI (-0.16,-0.04), p = 0. 001). Conclusions: Adults with OBPIs and parents of children with permanent OBPIs reported worse utility scores, and therefore quality of life, compared to the English general population. We also identified certain characteristics as possible factors to consider when dealing with utility scores in these cohorts. The utility scores in this study can be used in future economic evaluations related to OBPIs.
Blockchain and artificial intelligence (AI) are mutually reinforcing technologies: blockchain off... more Blockchain and artificial intelligence (AI) are mutually reinforcing technologies: blockchain offers tamper-evident provenance, programmable incentives, and decentralized coordination, while AI contributes predictive analytics, automation, and adaptive decisionmaking. This paper synthesizes technical foundations for the convergence, proposes a reference architecture that integrates on-chain contracts with off-chain model training and privacy-preserving computation, and surveys high-value applications in supply chains, healthcare, finance, and decentralized AI marketplaces. We analyze limitationsscalability, privacy leakage, energy use, and governance-then map these concerns to emerging risk-management practices. We conclude with a research agenda emphasizing verifiable AI (e.g., zero-knowledge proofs for inference), robust data governance, model provenance, and socio-technical considerations. The goal is to guide researchers and practitioners toward systems that are reliable, ethical, and economically viable.
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Papers by Chetankumar Prajapati