SHAIKU SHAHIDA SAHEB

@vitap.ac.in

Associate Professor at VIT - AP School of Business
VIT - AP School of Business, VIT - AP University

SHAIKU SHAHIDA SAHEB


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https://researchid.co/sahebsabi
I am a Doctorate in Financial Management and M.Phil. (Master of Philosophy) in Financial Management. I was also having postgraduate degrees in MBA (Finance) and M.Com (Master of Commerce). I have put up 20 years of teaching experience in India and Ethiopia till now and various colleges including International teaching experience. Currently, I am working as an Associate Professor at VIT - AP School of Business of VIT - AP University, Amaravati, Vijayawada, India. I have teaching experience in several subjects and modules in the area of accounting and finance at the Graduate and Postgraduate levels. I do have experience in supervising and guiding students for Undergraduate thesis and Post Graduate thesis and projects.
Participated in national and international conference and presented the papers. I was trained in teaching methodologies, particularly case study method of teaching. And also I was trained IFRS implementation.

EDUCATION

Ph.D in Finance with M.Phil , MBA and M.COM

RESEARCH, TEACHING, or OTHER INTERESTS

Business, Management and Accounting, Accounting, General Business, Management and Accounting, Management Information Systems
19

Scopus Publications

127

Scholar Citations

7

Scholar h-index

3

Scholar i10-index

Scopus Publications

  • Mobile payment fraud detection in UPIs through machine learning techniques: A systematic review
    Naga Bhavani Chakka, Shaiku Shahida Saheb
    Multidisciplinary Reviews, 2026
    The Unified Payment Interface (UPI) has transformed the digital payments landscape in India by providing a method for safe, instantaneous, and user-friendly financial transfer. With some arguably limited oversight, UPI was adopted quickly, but unfortunately, along with its growth, the landscape is littered with new forms of advanced fraud. Therefore, this study presents a systematic analysis of UPI fraud from 2016-2025, detailing common forms of fraud such as fake mobile apps, phishing, QR code attacks, pony payment requests, and fraud involving KYC regulation. Additionally, this paper explores advanced machine learning and deep learning models for fraud detection. Some of the models we explored include convolutional neural networks (CNNs), long short-term memory (LSTM) neural networks, and detection accuracies of up to 99.74%. Other effective models include support vector machines (SVMs), random forests, and XGBoost since they are able to classify flagged transactions as nonauthorized with high levels of precision. We see that augmented and integrated systems with biometric authentication and real-time monitoring and reporting become a layered defense against new threats to fraud. The study also highlighted the rise in autopay fraud to drive the need for continuous innovation in fraud detection, undermining those who have been manipulating UPIs and digital payments since 2019. There is a need to further incorporate supervised ML, deep learning, and gradient boosting with existing banks' processes for recovery and detection tools for malpositioning to further the financial safety of UPI users and develop a competent payment system for UPIs and their clients.
  • Impact of environmental indicators on green bond issuance with the interaction effect of GDP – A PMG-ARDL analysis across developed countries
    Khajabee Pathan, Shaiku Shahida Saheb
    International Review of Economics and Finance, 2026
  • User perceptions of RBI-approved P2P digital lending apps: an NLP, machine learning, and deep learning approach
    Kunchakara Raja Sekhar, Shaiku Shahida Saheb
    Frontiers in Artificial Intelligence, 2026
    Introduction Digital lending, also known as alternative lending, refers to fintech platforms that offer quick and easy loans through digital channels, bypassing many of the limitations of traditional banking. Since the mid-2000s, digital lending has become a major fintech innovation, with rapid growth in India driven by financial inclusion measures. However, the sector continues to face challenges, including fraud, transparency issues, and consumer dissatisfaction. The primary objective of this study was to understand how consumers perceive and assess India’s RBI-approved P2P digital lending apps by analyzing a large dataset of customer feedback to identify strengths, weaknesses, and overall satisfaction levels. Methods The study analyzed a final dataset of 15,408 user reviews collected from seven RBI-approved digital lending platforms: 5Paisa, Faircent, i2iFunding, LenDenClub, CashKumar, Lendbox, and IndiaMoneyMart derived from an initial 15,537 reviews. The cleaned data was then examined using natural language processing, topic modeling, and supervised machine learning and deep learning models to identify key themes and evaluate predictive performance. Results Topic modeling identified 11 recurring topics. Sentiment analysis revealed that 55% of evaluations were positive, 41% were negative, and 4% were neutral. Strengths included loan disbursement, withdrawals, and EMI payments, while weaknesses involved interface design, transparency around rejections, and login functionality. Comparative data revealed that IndiaMoneyMart and i2iFunding received the highest user satisfaction, while 5Paisa and Lendbox trailed due to recurring complaints about transparency, accessibility, and overall user experience. In terms of modeling, the deep learning model VGG16 and ensemble machine learning techniques (XGBoost, CatBoost, and LightGBM) consistently achieved the highest predictive accuracy (up to 0.88), outperforming simpler models such as decision trees and ResNets. Discussion The findings indicate that digital lending platforms support financial inclusion but require improvements in user interface and user experience, better transparency in loan decisions, and stronger customer support. Addressing these areas can help strengthen trust and promote long term adoption of digital lending services.
  • A Hybrid Autoencoder-XGBoost Framework for High-Performance UPI Fraud Detection
    Naga Bhavani Chakka, Shaiku Shahida Saheb
    Proceedings of Engineering and Technology Innovation, 2026
    This paper proposes a scalable hybrid autoencoder–XGBoost system for detecting unified payment interface fraud. The approach begins by training an autoencoder on legitimate transactions to learn normal behavior patterns, where reconstruction errors are derived and utilized as anomaly scores. These scores serve as engineered features in an XGBoost classifier for final fraud classification. The system is tested on a synthetic dataset of 2.68 million transactions. The findings show near-perfect performance, with accuracy, precision, recall, and F1-scores close to 1.0 and a receiver operating characteristic curve-area under curve (ROC–AUC) of 0.99999995. However, these results are influenced by deterministic fraud patterns in the simulated dataset, leading to near-separable classes with domain-driven balance features. Therefore, the performance should be interpreted as proof-of-concept under controlled synthetic conditions rather than absolute evidence of real-world effectiveness. The model demonstrates the potential of anomaly-aware feature enrichment for handling severely imbalanced data. Future work will focus on validation with real-world UPI data and adaptive learning upgrades.
  • Digital Transformation in Risk Management: Exploring the Role of Emerging Technologies in the Insurance Industry
    R. Veerasankararao, Shaiku Shahida Saheb
    Public Organization Review, 2025
  • Gold Futures Price Prediction Using Transformer Deep Learning Models with Data Scraped via UiPath
    Sirisha Charugulla, Shaiku Shahida Saheb
    Journal of Visualized Experiments, 2025
  • Stacking Ensemble Approach for Predicting Loan Approval Using Machine Learning Techniques
    Kunchakara Raja Sekhar, Shaiku Shahida Saheb
    Journal of Visualized Experiments, 2025
  • Embedding Sustainability in Accounting Education: Exploring the Role of SDGs in Saudi Arabian Higher Education Institutions
    Abdul Rahman Shaik, Shaiku Shahida Saheb, Ibrahim Alnour Ibrahim Abdulmajeed, Salim Mohammed Bafaqeer
    International Journal of Sustainable Development and Planning, 2025
  • AI-Driven Investors Behaviour in Gold Market: A Review
    Sirisha Charugulla, Shaiku Shahida Saheb
    International Research Journal of Multidisciplinary Scope, 2025
    The aim of this study is to examine and synthesize the literature produced by AI-enabled gold bullion market investor's behaviour. This study explored the influential authors, sources and themes in the research of AI-led investment decisions. The research methodology adopted was a hybrid methodology which includes biblioshiny and systematic review from the Scopus database from 2012-2024. The results showed that Resource Policy is a major outlet for academics and plays a major part in the diffusion of research followed by Expert Systems with Applications and emerging theme is forecasting gold prices in financial markets. China tops the world in research output and the average citation rate is 24.40, showing both volume and highly influential work. Gold has the highest frequency of 20, followed by financial markets, gold prices, forecasting, and commerce at a frequency of 15. The review outcomes show that machine learning, neural networks and artificial intelligence tools are capable of handling complex datasets in predicting the investors' behavior in the gold bullion market. Most of the studies used algorithms like Fuzzy Rough Quick Reduct, Extreme Learning Machines and Neural Networks. The results paved that the GRU, CNN, RNN and NLP methods will be adopted for further research studies.
  • A study on digital intelligence and influencer marketing for sustainable diversification of India's retail economy: A qualitative study
    Monu Singh, Ruben Anto Michael, Shaiku Shahida Saheb, Pinnika Syam Yadav, P. B. Narendra Kiran, et al.
    Fostering Economic Diversification and Sustainable Business Through Digital Intelligence, 2025
    The purpose of the study is to investigate the role of Digital intelligence via influencer marketing to see its significance impact on India's retail economy. Throughout the decade digital technologies have been adopted into the social eco-system. Through mixed methodologies, the study has collected data from the Hyderabad region from multiple retail outlets to understand the influence of digital intelligence on consumers in interacting with retail outlets. The results of the study indicate that a significant presence of retail outlets online improved the performance of retail outlets. The customer's point of interaction and contact has been improved significantly. The findings of this study will provide valuable insights for the policymakers, retailers, and marketers to navigate in digital landscape and to be a part of sustainable economic growth in India's retail boom.
  • Financial services and green investment on ESG investing for a sustainable future
    Shaiku Shahida Saheb, P. B. Narendra Kiran, B. N. Adhithya, P. William, Pradeep Verma, et al.
    Advancing Social Equity Through Accessible Green Innovation, 2025
  • Unveiling Opportunities and Obstacles of Digital Lending in India: A Review Through PRISMA Framework
    Raja Sekhar Kunchakara, Shahida Saheb Shaiku
    International Journal of Organizational Diversity, 2025
  • Prediction of Customer Churn in Financial Sectors using Machine Learning Algorithms
    M Aruna Prasanna Kumari, Shaiku Shahida Saheb
    2025 5th International Conference on Artificial Intelligence and Signal Processing Aisp 2025, 2025
  • Intelligent Marketing in Insurance: Framework for Optimization and Competitive Advantage
    R. Veerasankararao, Shaiku Shahida Saheb, Abdul Rahman Shaik
    Strategic Blueprints for AI Driven Marketing in the Digital Era, 2025
  • Role of Influencer Marketing in the Indian Retail Business Sector: A Qualitative Study
    Monu Singh, Shaik Mahaboob Syed, Shaiku Shahida Saheb, Pinnika Syam Yadav, P. B. Narendra Kiran
    Innovative Trends Shaping Food Marketing and Consumption, 2025
  • Factors leading to the adoption of blockchain technology in financial reporting
    Shaiku Shahida Saheb, Venkata Krishna Reddy Chinnapareddy, Divya Devalla, Sirisha Charugulla, Naga Bhavani Chakka, et al.
    Frontiers in Blockchain, 2025
  • AI-Based Hybrid Models for Predicting Loan Risk in the Banking Sector
    Vikas Kumar, Shaiku Shahida Saheb, Preeti, Atif Ghayas, Sunil Kumari, et al.
    Big Data Mining and Analytics, 2023
  • A PLS-SEM Based Approach: Analyzing Generation Z Purchase Intention Through Facebook's Big Data
    Vikas Kumar, Preeti, Shaiku Shahida Saheb, Sunil Kumari, Kanishka Pathak, et al.
    Big Data Mining and Analytics, 2023
  • Artificial Neural Networks Based Risk Management Analysis of Modern Commercial Banks Using Behavioral Finance Theory
    Shaiku Shahida Saheb, P.B. Narendra Kiran, B. Udaya Bhaskara Ganesh, N Roopalatha, Shaik Mahaboob Syed, et al.
    2023 4th International Conference on Computation Automation and Knowledge Management Iccakm 2023, 2023

RECENT SCHOLAR PUBLICATIONS

  • A Hybrid Autoencoder-XGBoost Framework for High-Performance UPI Fraud Detection
    NBCSS Saheb
    Proceedings of Engineering and Technology Innovation 33, 93-105 , 2026
    2026
  • Impact of environmental indicators on green bond issuance with the interaction effect of GDP–A PMG-ARDL analysis across developed countries
    K Pathan, SS Saheb
    International Review of Economics & Finance, 105077 , 2026
    2026
  • User Perceptions of RBI-Approved P2P Digital Lending Apps: An NLP, Machine and Deep Learning Approach
    K Raja Sekhar, SS Saheb
    Frontiers in Artificial Intelligence 8, 1708080 , 2026
    2026
    Citations: 1
  • Profitability's Mediating Effect on ESG Performance and Enterprise Value
    K Pathan, SS Saheb
    IUP Journal of Accounting Research & Audit Practices 25 (1), 50-69 , 2026
    2026
  • Prediction of Customer Churn in Financial Sectors using Machine Learning Algorithms
    MAP Kumari, SS Saheb
    2025 5th International Conference on Artificial Intelligence and Signal … , 2025
    2025
  • Mobile payment fraud detection in UPIs through machine learning techniques: A systematic review
    NB Chakkaa, SS Saheba
    https://malque.pub/ojs/index.php/mr/article/view/10253 9 (6), 2026280 , 2025
    2025
    Citations: 1
  • Unveiling Opportunities and Obstacles of Digital Lending in India: A Review Through PRISMA Framework: [Oportunidades y Obstáculos del Préstamo Digital en la India: Una Revisión …
    SSS Kunchakara Raja Sekhar
    The International Journal of Organizational Diversity 26 (1), 41-73 , 2025
    2025
    Citations: 1
  • Digital transformation in risk management: Exploring the role of emerging technologies in the insurance industry
    R Veerasankararao, SS Saheb
    Public Organization Review, 1-20 , 2025
    2025
    Citations: 3
  • Scam detection secure cryptographic model for detection of scams in UPI transactions with web application
    NBCSS Saheb
    Journal of Information and Optimization Sciences 46 (6), 1933–1944 , 2025
    2025
  • Women entrepreneurs in the digital age : Bridging challenges and sustainability goals
    KRSVR Shaiku Shahida Saheb*, Shaiku Shahida Saheb School of Business VIT-AP ...
    Journal of Information and Optimization Sciences 46 (6), 1923–1932 , 2025
    2025
  • Gold Futures Price Prediction Using Transformer Deep Learning Models with Data Scraped via UiPath
    S Charugulla, SS Saheb
    JoVE (Journal of Visualized Experiments), e68903 , 2025
    2025
  • Stacking Ensemble Approach for Predicting Loan Approval Using Machine Learning Techniques
    KR Sekhar, SS Saheb
    Journal of Visualized Experiments (JoVE), e68832 , 2025
    2025
  • Embedding Sustainability in Accounting Education: Exploring the Role of SDGs in Saudi Arabian Higher Education Institutions
    SMB Abdul Rahman Shaik1* , Shaiku Shahida Saheb2 , Ibrahim Alnour Ibrahim ...
    International Journal of Sustainable Development and Planning 20 (8), 3211-3220 , 2025
    2025
  • Factors leading to the adoption of blockchain technology in financial reporting
    SS Saheb, VKR Chinnapareddy, D Devalla, S Charugulla, NB Chakka, ...
    Frontiers in Blockchain 8, 1491609 , 2025
    2025
    Citations: 8
  • AI-Driven Investors Behaviour in Gold Market: A Review
    S Charugulla, SS Saheb
    International Research Journal of Multidisciplinary Scope (IRJMS) 6 (2), 424-447 , 2025
    2025
    Citations: 1
  • Analysis on Fraudulent Threats and Mitigating Strategies in UPI Transactions
    CN Bhavani, SS Saheb
    11-20 , 2025
    2025
  • Perceptions and motivating elements of bank customers for adoption of interest‑free banking services: commercial bank of Ethiopia case
    SS Saheb
    Future Business Journal 11 (84), 1-22 , 2025
    2025
    Citations: 3
  • Intelligent Marketing in Insurance: Framework for Optimization and Competitive Advantage
    R Veerasankararao, SS Saheb, AR Shaik
    Strategic Blueprints for AI-Driven Marketing in the Digital Era, 73-108 , 2025
    2025
    Citations: 2
  • A Study on Digital Intelligence and Influencer Marketing for Sustainable Diversification of India's Retail Economy: A Qualitative Study
    M Singh, RA Michael, SS Saheb, PS Yadav, PBN Kiran, A Malhi
    Fostering Economic Diversification and Sustainable Business Through Digital … , 2025
    2025
    Citations: 10
  • Financial Services and Green Investment on ESG Investing for a Sustainable Future
    SS Saheb, PBN Kiran, BN Adhithya, P William, P Verma, SN Padma
    Advancing Social Equity Through Accessible Green Innovation, 251-264 , 2025
    2025
    Citations: 3

MOST CITED SCHOLAR PUBLICATIONS

  • Artificial Neural Networks Based Risk Management Analysis of Modern Commercial Banks Using Behavioral Finance Theory
    SS Saheb, PBN Kiran, BUB Ganesh, N Roopalatha, SM Syed, P William
    4th International Conference on Computation, Automation and Knowledge … , 2023
    2023
    Citations: 32
  • AI-Based Hybrid Models for Predicting Loan Risk in the Banking Sector
    SK Vikas Kumar, Shaiku Shahida Saheb, Preeti, Atif Ghayas, Sunil Kumari, Jai ...
    Big Data Mining and Analytics 6 (4), 478 - 490 , 2023
    2023
    Citations: 27
  • A Study on Digital Intelligence and Influencer Marketing for Sustainable Diversification of India's Retail Economy: A Qualitative Study
    M Singh, RA Michael, SS Saheb, PS Yadav, PBN Kiran, A Malhi
    Fostering Economic Diversification and Sustainable Business Through Digital … , 2025
    2025
    Citations: 10
  • Factors leading to the adoption of blockchain technology in financial reporting
    SS Saheb, VKR Chinnapareddy, D Devalla, S Charugulla, NB Chakka, ...
    Frontiers in Blockchain 8, 1491609 , 2025
    2025
    Citations: 8
  • A PLS-SEM Based Approach: Analyzing Generation Z Purchase Intention Through Facebook's Big Data
    V Kumar, SS Saheb, S Kumari, K Pathak, JK Chandel, N Varshney, ...
    Big Data Mining and Analytics 6 (4), 491-503 , 2023
    2023
    Citations: 8
  • Credit Risk Management Practices in banking sector in Ethiopia
    DSSSDCHVK Reddy
    International Journal of Current Research 10 (04), 68164-68174 , 2018
    2018
    Citations: 8
  • Role of Influencer Marketing in the Indian Retail Business Sector: A Qualitative Study
    M Singh, SM Syed, SS Saheb, PS Yadav, PBN Kiran
    Innovative Trends Shaping Food Marketing and Consumption, 105-130 , 2025
    2025
    Citations: 7
  • Analyzing Financial Stability by Predicting Bankruptcy Situations with Machine Learning
    SS Saheb, R Kumar B, M Naved
    Journal of Artificial Intelligence and System Modelling 1 (03), 18-35 , 2024
    2024
    Citations: 4
  • Digital transformation in risk management: Exploring the role of emerging technologies in the insurance industry
    R Veerasankararao, SS Saheb
    Public Organization Review, 1-20 , 2025
    2025
    Citations: 3
  • Perceptions and motivating elements of bank customers for adoption of interest‑free banking services: commercial bank of Ethiopia case
    SS Saheb
    Future Business Journal 11 (84), 1-22 , 2025
    2025
    Citations: 3
  • Financial Services and Green Investment on ESG Investing for a Sustainable Future
    SS Saheb, PBN Kiran, BN Adhithya, P William, P Verma, SN Padma
    Advancing Social Equity Through Accessible Green Innovation, 251-264 , 2025
    2025
    Citations: 3
  • Factors Affecting on Budget Utilization in Bahirdar City Administration Health Department, Ethiopia
    GA Shahid Saheb, Venkata Krishna Reddy
    Public Policy and Administration Research 9 (8), 29-41 , 2019
    2019
    Citations: 3
  • Intelligent Marketing in Insurance: Framework for Optimization and Competitive Advantage
    R Veerasankararao, SS Saheb, AR Shaik
    Strategic Blueprints for AI-Driven Marketing in the Digital Era, 73-108 , 2025
    2025
    Citations: 2
  • Research Trends on Artificial Intelligence Led Investors’ Behaviour in Gold Bullion Market: Bibliometric Analysis Using R Studio and VOSviewer
    S Charugulla, SS Saheb
    International Journal of INTELLIGENT SYSTEMS AND APPLICATIONS IN ENGINEERING … , 2024
    2024
    Citations: 2
  • FACTORS INFLUENCING CUSTOMER SATISFACTION IN RETAIL OUTLETS (FICSRO) (IN INDIA WITH SPECIAL REFERENCE TO GUNTUR CITY, ANDHRA PRADESH)
    VENKATESWARLU, DRV BADRINARAYANA, SKS SAHIB, ...
    Asian Academic Research Journal of Social Sciences & Humanities 1 (11), 131-140 , 2013
    2013
    Citations: 2
  • User Perceptions of RBI-Approved P2P Digital Lending Apps: An NLP, Machine and Deep Learning Approach
    K Raja Sekhar, SS Saheb
    Frontiers in Artificial Intelligence 8, 1708080 , 2026
    2026
    Citations: 1
  • Mobile payment fraud detection in UPIs through machine learning techniques: A systematic review
    NB Chakkaa, SS Saheba
    https://malque.pub/ojs/index.php/mr/article/view/10253 9 (6), 2026280 , 2025
    2025
    Citations: 1
  • Unveiling Opportunities and Obstacles of Digital Lending in India: A Review Through PRISMA Framework: [Oportunidades y Obstáculos del Préstamo Digital en la India: Una Revisión …
    SSS Kunchakara Raja Sekhar
    The International Journal of Organizational Diversity 26 (1), 41-73 , 2025
    2025
    Citations: 1
  • AI-Driven Investors Behaviour in Gold Market: A Review
    S Charugulla, SS Saheb
    International Research Journal of Multidisciplinary Scope (IRJMS) 6 (2), 424-447 , 2025
    2025
    Citations: 1
  • Emerging Frontiers in HRM Analytics: A Bibliometric Review
    S Donthu, PB Kiran, SS Saheb, VK VM
    Gnanaprasuna and Saheb, Shaiku Shahida and VM, Vijay Kumar, Emerging … , 2024
    2024
    Citations: 1