Businesses increasingly encounter inefficiencies in employee expense management and corporate credit card reconciliations. Manual expense management processes take time, are error-prone, and are low in transparency, especially when a great many credit card transactions are involved. This research paper explains how the integration of JPMorgan Chase (JPMC) corporate credit cards with Oracle Cloud Enterprise Resource Planning (ERP) changes expense reporting, approval procedures, and payment reconciliation. With formalized architecture using Oracle Expenses, Payables, and middleware integration, companies can automate expense capture, enforce policy adherence, and speed payment cycles. This article includes a U.S.-based manufacturing firm case study that automated its expense processes, which reduced processing time by 45% and strengthened expense policy compliance by 70%. With the help of data, visualizations, and cited best practices, the research illustrates the way these integrations are critical for operational nimbleness and financial mastery.

Multinational companies that manage data across jurisdictional boundaries are having trouble integrating artificial intelligence systems with multi-cloud architectures. This is especially true since over 90% of businesses use multiple cloud providers and deal with complicated AI governance frameworks. This paper examines how well AI governance frameworks in India and the US deal with multi-cloud data residency compliance issues through a systematic literature evaluation based on PRISMA standards and thematic analysis of 26 publications, including academic articles, government policy papers, and industry reports published between 2020 and 2025. The study points out significant cross-border regulatory coordination problems and examines whether existing bilateral strategies need more ways to work together. The thematic analysis identified trends in regulatory frameworks and compliance problems, revealing "regulatory incommensurability" as a central theme—meaning that following one jurisdiction's rules goes against the basic ideas behind another's procedures. The Digital Personal Data Protection Act in India has a permission-by-default approach, which is very different from the USA's restriction-by-default approach. This leads to impossible compliance situations instead of coordination problems. Organizations face systemic inefficiencies because of duplicate infrastructure and multiple governance systems that do not provide the same level of AI safety or data security. For example, 35% of data breaches include "shadow data" not covered by existing frameworks. The results show that traditional working methods cannot settle significant disagreements between AI governance frameworks. This means that new theoretical approaches are needed that acknowledge valid regulatory differences while making it easier for multinational companies to use AI systems in both jurisdictions.

The global power sector is pivotal to achieving climate targets, yet its decarbonization presents complex challenges, including the risk of stranded assets. This article proposes an Electricity Climate Alignment Metric (ECAM) to comprehensively assess and track global progress towards a low-carbon electricity future. The ECAM integrates key components such as carbon intensity, share of low-carbon electricity, fossil fuel plant profiles, committed emissions, stranded asset risk, and investment flows. Anticipated results highlight a multi-speed transition and pinpoint regions vulnerable to stranded assets due to existing fossil fuel infrastructure. The discussion emphasizes the profound policy and investment implications, advocating for accelerated renewable deployment, managed fossil fuel phase-out, robust carbon pricing, and international cooperation. The ECAM aims to provide quantifiable insights for policymakers and investors to navigate the transition, manage financial risks, and accelerate the shift to a climate-compatible electricity system.