In today’s world of a globalized economy and ubiquitous digital transactions, businesses are hungry for ways to increase transaction efficiency and security. In the real economy, solutions that scale to fit transaction volume or velocity are equally valuable. This is true for clearing and settlement and for the day-to-day needs of buyers and sellers alike. Clever observers of both cash and digital transactions can spot cases where technology that supports transaction security or safety can strengthen consumer-borrower ties, mitigate default risks, and reduce recidivism. In general, a cloud solution for payment processing and merchant services solves two major barriers to optimum business technology: lack of scalability and lack of security [1]. The extension of current practice has its advantages, but new solutions unlock significant opportunities for both consumers and financial institutions [2]. The focus of this work is on the provisioning of cloud-based payment processing and merchant services to financial institutions and established global organizations, although the options available with these services mean they are potentially applicable to a wide range of group entities, including non-trading organizations, pension administrators, and group treasurers. With the increased attention to cybersecurity, a mass of data is available to assist the IT departments of the major payment processors, merchants, and acquirers to get cybersecurity on the radar of C-level executives [3]. The case is put forward for the increased targeting of and reporting to the Board’s Audit, Risk, and Liability Committees of publicly held payment processors and merchants to reduce fraud losses and mitigate the reputation and class action lawsuit risk due to data breaches. The progress of technology in the payment sector requires all stakeholders to have a collective approach in order to mitigate fraud and cybersecurity-related risks in new products and services to enhance consumer confidence and the proportion of retail cashless transactions [4].

Digital forensics in cloud computing environments presents significant challenges due to the distributed nature of data storage, diverse security practices employed by service providers, and jurisdictional complexities. This study aims to develop a comprehensive framework and improved methodologies tailored for conducting digital forensic investigations in cloud settings. A pragmatic research philosophy integrating positivist and interpretivist paradigms guides an exploratory sequential mixed methods design. Qualitative methods, including case studies, expert interviews, and document analysis were used to explore key variables and themes. Findings inform hypotheses and survey instrument development for the subsequent quantitative phase involving structured surveys with digital forensics professionals, cloud providers, and law enforcement agencies, across the globe. The multi-method approach employs purposive and stratified random sampling techniques, targeting a sample of 100-150 participants, across the globe, for qualitative components and 300-500 for quantitative surveys. Qualitative data went through thematic and content analysis, while quantitative data were analysed using descriptive and inferential statistical methods facilitated by software such as SPSS and R. An integrated mixed methods analysis synthesizes and triangulates findings, enhancing validity, reliability, and comprehensiveness. Strict ethical protocols safeguard participant confidentiality and data privacy throughout the research process. This robust methodology contributed to the development of improved frameworks, guidelines, and best practices for digital forensics investigations in cloud computing, addressing legal and jurisdictional complexities in this rapidly evolving domain.

Our lives are becoming more and more digital, and this has an impact on how we work, study, communicate, and interact. Businesses are currently digitally altering their information systems, procedures, culture, and strategy. Existing businesses and economies are severely disrupted by the digital revolution. The Internet of Things, microservices, and mobile services are examples of IT systems with numerous, dispersed, and very small structures that are made possible by digitization. Utilizing the possibilities of cloud computing, mobile systems, big data and analytics, services computing, Internet of Things, collaborative networks, and decision support, numerous new business prospects have emerged throughout the years. The logical basis for robust and self-optimizing run-time environments for intelligent business services and adaptable distributed information systems with service-oriented enterprise architectures comes from biological metaphors of living, dynamic ecosystems. This has a significant effect on how digital services and products are designed from a value- and service-oriented perspective. The evolution of enterprise architectures and the shift from a closed-world modeling environment to a more flexible open-world composition establish the dynamic framework for highly distributed and adaptive systems, which are crucial for enabling the digital transformation. This study examines how enterprise architecture has changed over time, taking into account newly established, value-based relationships between digital business models, digital strategies, and enhanced enterprise architecture.

The technologies for cloud ERP (Enterprise Resource Planning) have revolutionized the field of information technologies. Any kind of business can benefit from their flexibility, affordability, scalability, adaptation, availability, and customizable data. An advancement of classic ERP, cloud enterprise resource planning (C-ERP) provides the benefits of cloud computing (CC), including resource elasticity and ease of use. The rise of cloud computing affects on-premise ERP systems in terms of architecture and cost. Cloud-based ERP systems make the claim to be appropriate for digital corporate settings. System quality, security, vendor lock-in, and data accessibility are recognized as the technological issues. Industry 4.0 refers to the re-engineering and revitalization of modern factories through the integration of cloud-based operations, industrial internet connectivity, additive manufacturing, and cybersecurity platforms. One of the four main pillars of Industry 4.0, cloud-based Enterprise Resource Planning (Cloud ERP), is a component of cloud operations that aids in achieving greater standards of sustainable performance.

To ensure maximum flexibility, service providers offer a variety of computing options with regard to CPU, memory capacity, and network bandwidth. At the same time, the efficient operation of current cloud applications requires an infrastructure that can adjust its configuration continuously across multiple dimensions, which are generally not statically predefined. Our research shows that these requirements are hardly met with today's typical public cloud and management approaches. To provide such a highly dynamic and flexible execution environment, we propose the application-driven autonomic management of data center resources as the core vision for the development of a future cloud infrastructure. As part of this vision and the required gradual progress toward it, we present the concept of composable infrastructure and its impact on resource allocation for multi-cloud environments. We introduce relevant techniques for optimizing resource allocation strategies and indicate future research opportunities [1]. Many cloud service providers offer computing instances that can be configured with arbitrary capacity, depending on the availability of certain hardware resources. This level of configurability provides customers with the desired flexibility for executing their applications. Because of the large number of such prerequisite instances with often varying characteristics, service consumers must invest considerable effort to set up or reconfigure elaborate resource provisioning systems. Most importantly, they must differentiate the loads to be distributed between jobs that need to be executed versus placeholder jobs, i.e., jobs that trigger the automatic elasticity functionality responsible for resource allocator reconfiguration. Operations research reveals that the optimization of resource allocator reconfiguration strategies is a fundamentally difficult problem due to its NP-hardness. Despite these challenges, dynamic resource allocation in multi-clouds is becoming increasingly important since modern Internet-based service settings are dispersed across multiple providers [2].

Green cloud computing is part of endeavors to develop sustainable data center ecosystems and, more importantly, nurtures a mindful alignment between environmental considerations and our cloud computing practices. This view is reinforced with the requirements of resource and energy minimization, as well as clean computing. This paper surveys the current practices, strategies, and significant aspects involved in moving towards green cloud computing, providing energy-efficient data centers. The energy efficiency criteria call for unified strategies in power-proportional components, big data storage, server systems, and power supply units to save holistic energy. In addition, there are significant challenges in moving towards green cloud computing for service providers and data center operators. We address various energy-conscious resource management technologies and discuss the importance of developing innovative, effective green management solutions. Data centers are ubiquitous but inherently more conspicuous to begin to see the urgency of making them sustainable in our ecological environment. With this in mind, this paper encapsulates the multidimensional issues and increased complexities of bringing up green solutions in cloud computing practices and provides guidance and potential strategies. We outline, realign, and insist on adopting strategies in practice not only from the technical aspect but also in strengthening partnerships and investigating strategies to further dissect challenges, converge solutions, and consider our impact in even more areas of study.

This work details how the integration of cloud computing and advanced data engineering can innovate and reshape patient care and digital infrastructure. In the healthcare sector, cloud services offer the necessary support to generate digitally-oriented services and service kits. These services can contain high levels of availability, low levels of latency, and on-demand scaling capabilities, while following the strictest data protection laws and regulations. On the other hand, these services can be combined with data engineering techniques to construct an ecosystem that enhances and adds an optimized data layer on any cloud environment. This ecosystem includes technologies to acquire, process, and manage healthcare data while respecting all regulatory obligations and institutions and can be part of a comprehensive digitalization strategy. The objective is to augment the healthcare services that the industry offers by leveraging healthcare data and AI technologies. Designed services, processes, and technologies can be described either as industry-agnostic services or healthcare-specific services that process and manage electronic healthcare records (EHR). Industry-agnostic services offer a set of tools and methodologies to conduct optimized data experiments. The goal is to exploit any variety, velocity, volume, and veracity of medical data. Healthcare-specific services offer a set of tools and methodologies to connect to any common EHR vendor in a privacy-preserving manner. Participating companies are thus able to hold, share, and make use of healthcare data in real-time. The proposed architecture can be transformative for the healthcare industry, opening up and facilitating experimentation on new and scalable service models. The transition to a more digital health approach would help overcome the limits encountered in traditional settings. Limitations in the availability of healthcare facilities and healthcare professionals have underpinned the increasing share of telemedicine in the care process. However, the record-keeping of the patients that undergo care outside of traditional healthcare facilities is often missing and can severely influence the continuity of treatment. Identifying new methods to implement disease prevention and early intervention processes is crucial to avoid more extensive treatment and to support those on multiple line therapies. For chronic patients, having a service available that monitors the state of health and intervenes when parameters go off the wanted range is crucial. However, the same patients are the most under the influence of the decision of care providers; a second opinion might be given remotely which the patient can access at any time on-demand. To address these different kinds of services, an ecosystem composed of a dictionary's worth data layer is outlined, able to live and operate seamlessly in any cloud environment. This future work's envisioned outcome is the rapid evolution and re-definition of the European healthcare landscape.

Innovations in computing and communication technologies are reshaping finance. The seismic changes are casting uncertainty about the future of financial services. On one hand, fintech evangelists project a rosy future, asserting that the fast-moving algorithms can deliver low-cost financial services intuitively, customized to meet robust consumer expectations. On the other hand, many finance veterans fret that the traditional banking model could disintermediate, bleeding banks via a ‘death by a thousand cuts’, reducing them to passive portfolio holders with no direct customer relationship, eclipsed by digital giants which use their enormous treasure troves of customer data to offer banking as an added service with nearly free cost. Amidst the upbeat technological promises and apocalyptic forebodings, there are two constant, mostly agreed-upon, truths. The first is the vital importance of data. Advances in the internet, cloud computing, and record-keeping technologies are producing an ‘exponential growth in the volume and detail of data’. Some of this big data are personal information. Smartphones are deployed in almost all developed and emerging economies, serving as little spies; tracking, recording location histories, social networks, and app usage of their unsuspecting owners; often with a great degree of precision. ‘People are walking data-factories’ in this ‘mobile digital society’. Data are the fermentation of these global exchanges, electronic commerce and communication, and financial transactions. To just take Facebook as an example, it shares 30 million people a day through updates and posts, hosting personal information on 2.23 billion users. To the alarm of the uninformed public, much of this information is available for commercial harvest. The second constant is the rise of intelligent solutions. Consumers today—be it disclosed or not—are fed tailored clothes, music, film, holiday packages—almost anything you like, notably dynamic pricing, varying in accordance with individual profiles, or personalized search results. The availability of powerful computers has enabled comparable applications that are intended to make the system more responsive to their customer profiles and desires, or to capitalize competitive business possibilities. Such changes will transform the financial industry and occupy a prominent position among the mechanisms of policy competition, reshaping the way in which financial services are bestowed and led on the demand side.

With unclaimed property assets reaching record levels, businesses have become, in some cases, overwhelmed and hamstrung by stagnant, unoptimized processes. That sentiment is compounded by ever-evolving regulatory changes, resulting in organizations struggling to hit compliance deadlines while delivering an optimal claimant experience. Often, early systems had periods of short-term success but are on the verge of obsolescence, resulting in stressed workflows and cumbersome integrations. Deploying an integrated IT infrastructure, supported by cloud-enabled AI, represents the quickest path to modernizing unclaimed property management. A fully integrated IT infrastructure is crucial to optimize the management of unclaimed property [1]. When lone solutions exist across an organization, companies miss out on automation opportunities generated through the interconnectedness of systems and data. AI presents organizations with the opportunity to traverse these gaps, enabling a vast library of applications to improve the perturbed workflows of unclaimed property teams. Automated data extraction, document comparison, fraudulent claim detection, and workflow completion analysis are just a few popular applications well suited for the unclaimed property space. In addition to the lagging technology currently deployed by many organizations, the unclaimed property landscape itself is evolving. Compliance issuance, asset availability, rates, the ability to collect fraudulently posted claims, and the claimant experience have all become hot-button items that are now front of mind for regulation agencies and businesses alike. Issuing duplication letters in a compliant manner, accommodating claimant inquiries regarding held assets, and managing, processing, and understanding the operational impact of rate changes are vexing problems many organizations now find themselves playing catch-up to address. The opportunity posed by cloud-enabled AI is furthered by economic, regulatory, and report cycle pressures on unclaimed property teams to do more with the same size or fewer resources. It’s now no longer simply a case of hitting the audit date deadline and checking off a box but an emerging priority for businesses at all sides of the market, from Fortune 500 to mid-market firms. In-house shared service teams are comfortable in areas of monitoring and curating business data; however, unclaimed property is an unknown territory with a learning curve, compliance gaps, and operational holes that, if ignored, stand to scale up exponentially. The combined fallout from regulatory changes and the recent pandemic have only made the situation riskier, with increased volatility in balancing time-sensitive tasks against stringent regulatory deadlines and growing claimant outreach.