Cognitive Business Autonomous Intelligence (CBAI): A GenAI‑Driven AIoT Framework for Unified Workforce Analytics, Predictive FinOps, and Circular Economy Marketplaces

The convergence of Artificial Intelligence of Things (AIoT) and Generative AI (GenAI) represents a paradigm shift toward autonomous enterprise systems. Current implementations remain siloed: AIoT provides assistive insights while GenAI operates in cognitive domains, disconnected from real-time physical operations. This paper introduces Cognitive Business Autonomous Intelligence (CBAI)—a holistic framework integrating GenAI-powered autonomous agents with pervasive AIoT sensor networks to create self-managing enterprise ecosystems. CBAI enables simultaneous optimization across three critical domains: (1) autonomous workforce analytics through real-time biometric sensing and dynamic task allocation; (2) predictive financial operations (FinOps) via continuous AIoT data streams for forecasting and risk mitigation; and (3) tokenized circular economy marketplaces for automated material reuse and sustainability compliance. We evaluate CBAI using a multi-agent simulation environment benchmarking against conventional ERP systems. Results demonstrate: workforce productivity improvements of 15–30%, financial forecast error reductions of 10–25%, and material reuse increases of 20–35%. A Blockchain-based governance layer ensures transparency, auditability, and ethical compliance. CBAI establishes both a technical architecture and research agenda for next-generation autonomous enterprises that simultaneously optimize economic, human, and environmental outcomes