Ushus Journal of Business Management

White Paper: Artificial Intelligence In The Automotive Industry 2.0

2026-01-14T06:27:04+00:00

Artificial Intelligence (AI) is changing the automotive industry across the world. It is helping the industry to work in new and improved ways. This change is considered one of the most important technological developments after the invention of the internal combustion engine. Today, AI is used in many stages of the automotive value chain. It supports vehicle design, improves manufacturing processes, and helps in quality control. AI also plays a major role in autonomous driving, smart vehicle connectivity, and customer support systems such as predictive maintenance and service recommendations. Technologies such as machine learning, deep learning, computer vision, IoT sensors, 5G networks, and edge computing are widely used in modern vehicles. These technologies help automotive companies increase accuracy, reduce human effort, and improve overall efficiency. AI systems also help vehicles understand their surroundings, make decisions, and react to road conditions in real time. This white paper explains the basic concepts of Artificial Intelligence used in the automotive sector. It discusses practical use cases, current challenges, and future opportunities. The paper is intended to support students, researchers, industry professionals, and policymakers who want to understand how AI can improve the future of mobility.

Open Banking in India: From Open Payments to Consent-Driven Open Finance

2026-01-20T08:30:21+00:00

Open banking has gained popularity in most countries where customers can securely share their payment data with regulated third parties. In some cases, regulated third party financiers are also in some cases allowed to make payments in place of their customers. In many countries, the central government asks banks to provide standardized API access through regulation for open banking. In India, a unique environment prevails where in the government has a two-way approach to promote openness which expanses within people financial inclusion. UPI (Unified Payments Interface) and AA (Account Aggregator) framework are two initiatives taken by the central government of India under the DEPA (Data Empowerment and Protection Architecture). This paper analyses on how open banking is implemented, the role of the central government in open banking, and whether foreign direct investment is needed to further push the case of open banking in India. Further, the path to profitability of payment applications in India such as Google Pay, PhonePe and PayTM where payments are conducted seamlessly by customers without any cost is also studied. India cannot continue to have a zero MDR (Merchant Discount Rate) policy forever as someone has to take the cost of technology, security and seamless open banking. Sustainable monetization of payments without losing the trust of millions of people who are using the open banking channels and quick resolution of grievances will go a long way in transitioning into open banking economy in India.

Editorial

2026-02-10T07:21:29+00:00