Risk management in commercial processes is among the most important procedures affecting the competitiveness of small and medium-sized enterprises (SMEs), their innovativeness and potential contribution to global sustainable development goals (SDGs). The ecosystem of commercial processes is the prerequisite to manage risk faced by SMEs. Commercial risk assessment and management using elements of artificial intelligence, big data, and machine learning technologies could be developed and maintained as external services for a group of SMEs allowing to share costs and benefits. This paper aims to provide a conceptual framework of commercial risk assessment and management solution based on elements of artificial intelligence. This conceptualization is done on the background of scientific literature, policy documents, and risk management standards. Main building blocks of the framework in terms of commercial risk categories, data sources and workflow phases are presented in the article. Business companies, state policy, and academic research focused recommendations on the further development of the framework and its implementation are elaborated.

Generally, traumatic and aneurysmal brain injuries cause intracranial hemorrhages, which is a severe disease that results in death, if it is not treated and diagnosed properly at the early stage. Compared to other imaging techniques, Computed Tomography (CT) images are extensively utilized by clinicians for locating and identifying intracranial hemorrhage regions. However, it is a time-consuming and complex task, which majorly depends on professional clinicians. To highlight this problem, a novel model is developed for the automatic detection of intracranial hemorrhages. After collecting the 3D CT scans from the Radiological Society of North America (RSNA) 2019 brain CT hemorrhage database, the image segmentation is carried out using Fuzzy C Means (FCM) clustering algorithm. Then, the hybrid feature extraction is accomplished on the segmented regions utilizing the Histogram of Oriented Gradients (HoG), Local Ternary Pattern (LTP), and Local Binary Pattern (LBP) to extract discriminative features. Furthermore, the Cuckoo Search Optimization (CSO) algorithm and the Optimized Gated Recurrent Unit (OGRU) classifier are integrated for feature selection and sub-type classification of intracranial hemorrhages. In the resulting segment, the proposed ORGU-CSO model obtained 99.36% of classification accuracy, which is higher related to other considered classifiers.