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Title: Intelligent construction of financial risk management system based on an e-commerce platform under the background of the Internet of Things

Authors: Tianqi Yu; Cheng-yong Liu

Addresses: School of Finance, Harbin University of Commerce, Harbin, 150028, Heilongjiang, China; School of Economics and Management, Harbin University, Harbin, 150086, Heilongjiang, China ' College of Marine Culture and Law, Jimei University, Xiamen, 361021, Fujian, China

Abstract: This paper proposes an Intelligent Financial Risk Blockchain Management system under the Internet of Things (IFRBM-IoT) to address the challenges of financial risk management (FRM) in e-commerce. With the rise of IoT, e-commerce platforms have grown rapidly, but regulatory gaps and security concerns hinder FRM development. The IFRBM-IoT framework integrates Hyperledger blockchain technology with a Neuro-fuzzy decision method and control chart analysis to enhance data credibility, accountability, confidentiality, and integrity. It aims to improve service quality, standardise assurance processes, and optimise security and profitability. Empirical analysis demonstrates the model's high accuracy in financial risk evaluation and its effectiveness in ensuring data security within e-commerce operations. This approach provides a practical solution for managing financial risks and assessing data security measures.

Keywords: IoT; Internet of Things; FRM; financial risk management; E-commerce; panel data regression analysis; hyper ledger blockchain.

DOI: 10.1504/IJDS.2025.151178

International Journal of Data Science, 2025 Vol.10 No.7, pp.16 - 38

Received: 06 Feb 2025
Accepted: 15 Apr 2025
Published online: 16 Jan 2026 *