Proceedings of the 7th National HBCU Blockchain, FinTech, and AI Conference

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The Proceedings of the 7th National HBCU Blockchain, FinTech, and AI Conference present peer-reviewed research addressing emerging issues in blockchain, FinTech, AI-enabled FinTech, digital assets, cybersecurity, financial inclusion, and related fields. The conference is organized by the National Center for the Study of Blockchain and FinTech at Morgan State University and brings together faculty, researchers, students, industry leaders, and public-sector participants from HBCUs and partner organizations nationwide.

Table of Contents

• 1. Blockchain-Anchored Detection and Recovery for Resilient Reinforcement Learning-Based Cyber-Physical Systems

  Author(s): Imran Jahid Khan, Maliha Hossain, Mohammad Rahman, Fan Wu

  Pages: 1-15
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• 2. Integrating Blockchain and AI for Secure and Scalable Financial Transaction Monitoring

  Author(s): Ozgur Gurbuz, Mohammad Salam

  Pages: 16-37
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• 3. A Unified System for Intelligent Financial Fraud Detection

  Author(s): Vojislav Stojkovic

  Pages: 38-50
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• 4. AI-Powered Comparative Analysis of the Top Five Cryptocurrency Assets Using Real-Time Market Data

  Author(s): Triet M. Phan, Collins Okafor, Winifred Okafor, Devang Mehta, Mohsen Souissi, Misty Thomas, Ali Emdad

  Pages: 51-82
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• 5. StockForecastGenie Pro: A Volatility-Aware Machine Learning Decision-Support System for Short-Horizon Equity Index Forecasting

  Author(s): Chibuike Chiedozie Ibebuchi

  Pages: 83-97
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• 6. Ensemble LLM Consensus Architectures for Deterministic Trade Signal Generation: An Empirical Study of Multi-Persona AI Panels in Retail FinTech Applications

  Author(s): Michael Anton, Jean T. Wells, Esq., CPA

  Pages: 98-109
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• 7. The Safety Exposure Paradox: How Frontier AI Safety Research May Amplify Cyber Risk in Financial Infrastructure

  Author(s): Abena Primo, Azubike Okpalaeze, Al Amin, Rohan Thompson

  Pages: 110-126
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• 8. Corporate Crypto-Asset Disclosures and Liquidity Policy: Evidence from SEC 10-K Filings

  Author(s): Arthur Wharton, Theodore Andrews, Aurelia Donald

  Pages: 127-149
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• 9. Can Artificial Intelligence Improve Credit Decisions? Evidence from Large-Scale Lending Data

  Author(s): Akash Dania, Ph.D.

  Pages: 150-181
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• 10. Engineering Trust in Algorithmic Lending: Explainable, Fairness-Aware Credit Risk Modeling for Financial Inclusion

  Author(s): Rezoan Sultan, Marwan Hossain

  Pages: 182-202
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• 11. Using Artificial Intelligence in Accounting: Transformations, Challenges, and Future Direction 

  Author(s): Tawfiq M. Abu-Raqabeh, Ph.D.

  Pages: 203-236
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• 12. Making Monetary Transactions Feel like Natural Conversations: A Conversation Design Framework for Banking UX

  Author(s): Raymond Mbam, Doowuese Igbazua

  Pages: 237-259
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• 13. Financial Inclusion in the Age of AI: Opportunities and Risks for Underserved Communities

  Author(s): Dominique Jones, Xia Zhang

  Pages: 260-283
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• 14. Building Financial Resilience at HBCUs through Generative AI, FinTech, Blockchain, and Cybersecurity Education

  Author(s): Weizheng Gao, Shanzhen Gao

  Pages: 284-299
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• 15. Engaging HBCU Students in Active Learning for Blockchain, FinTech, and Generative AI: A Human-Centered Pedagogical Framework

  Author(s): Shanzhen Gao, Weizheng Gao, Julian D. Allagan, Ephrem Eyob, Arthur L. Wharton

  Pages: 300-314
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