“Smart Cloud Modernization Approach Using AI for Financial Optimization and Risk Mitigation in SAP”. International Journal of Research Publications in Engineering, Technology and Management (IJRPETM) 8, no. 6 (November 11, 2025): 13082–13086. Accessed February 9, 2026. https://ijrpetm.com/index.php/IJRPETM/article/view/167.