Authors : Dr. O. Kasinathan; S. Karkuzhali

Volume/Issue : Volume 10 - 2025, Issue 11 - November

Google Scholar : https://tinyurl.com/4r4sj32b

Scribd : https://tinyurl.com/4rysb4j4

DOI : https://doi.org/10.38124/ijisrt/25nov1274

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Abstract : The integration of emerging technologies like blockchain and artificial intelligence (AI) into educational financial systems has likely to transform the institutions manage payments, ensure data security, and promote operational transparency. This study addresses the awareness and attitudes of students in higher education institutions across Tiruchirappalli regarding the application of blockchain and AI in educational payment systems. Specifically, it aims to assess students’ knowledge of these technologies, examine their views on the role of blockchain and AI in maintaining data security, and explore their opinions on the potential of blockchain–AI integration to enhance payment efficiency and transparency. This study proposes a hybrid framework that leverages the immutable, decentralized ledger of blockchain to secure academic records, personal student data, and financial transactions. Concurrently, AI algorithms are employed to analyze transactional data for fraud detection, optimize payment reconciliation, and provide predictive insights into financial trends. The proposed system utilizes block chain to create a tamper-proof and transparent record of all educational activities, from student enrollments to exam results, accessible only to authorized parties via smart contracts. AI models, integrated with the block chain, can proactively identify anomalies and potential security threats in real time. For payment services, the system facilitates secure, transparent, and instantaneous tuition fee payments and other financial transactions, reducing administrative overhead and eliminating intermediaries. The primary contribution of this research is a proof-of-concept model demonstrating the synergy between block chain's security features and AI's analytical capabilities to create a robust, efficient, and user-centric digital ecosystem for educational institutions. The findings indicate that this integrated approach significantly improves data integrity, reduces the risk of cyber threats, and enhances the overall efficiency of financial and administrative operations. This research provides a valuable blueprint for educational bodies in Tiruchirappalli and beyond to modernize their digital infrastructure and build a foundation of trust and security in the digital age.

Keywords : Block Chain, Artificial Intelligence, Data Security, Payment, Higher Educational Institutions.

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