https://aifaultline.com/authors/dr-rajesh-manikraoji-naik/New papers by Dr. Rajesh Manikraoji Naik in the AI Fault Line guide, and news naming them. https://aifaultline.com/research/p/doi-10-5281-zenodo-20443060/https://aifaultline.com/research/p/doi-10-5281-zenodo-20443060/Fri, 29 May 2026 00:00:00 +0000A descriptive overview of how AI and digital transformation affect business, commerce and financial systems. It argues that these technologies improve efficiency, financial inclusion and innovation and contribute to sustainable economic growth.