Improving the Evaluation of Monetization Efficiency of Innovative Services in Commercial Banks
Global payments industry revenues reached 2,5 trln AQSh dollari, but revenue growth decelerated from 12 foiz in 2023 to 4 foiz in 2024.
Library
1,216 documents
Competition Is Not Enough: Hayek's Denationalization of Money at Fifty
F. A. Hayek was awarded the Nobel Memorial Prize in 1974 jointly with Gunnar Myrdal, less than two years before the Institute of Economic Affairs published his monetary proposal in October 1976.
Discussion Paper on Machine Learning for IRB Models
The EBA published its discussion paper on machine learning for IRB models under reference EBA/DP/2021/04 on 11 November 2021.
FedIncome: Federated Learning for Income Estimation in Digital Lending Under Data Sovereignty Constraints
The FedIncome framework uses over one million LendingClub loans partitioned into 50 state-level clients to simulate a heterogeneous lending consortium.
Legal Protection of Customers Against Illegal Digital Lending Practices in the Digital Economy
The study conducts qualitative normative juridical research to analyze Indonesia's legal framework regarding consumer rights, personal data protection, law enforcement, and remedies against illegal digital lending.
Financial Compliance as a Component of an Effective Risk Management Strategy in International Business
Financial compliance in international business performs at least 5 functions, including protective, informational, coordination, strategic, and reputational roles.
Digital RMB 2.0 and the Transformation of the Real Economy: A Case Study of Agricultural Bank of China
On December 31, 2025, six major state-owned banks announced interest payments on real-name digital yuan wallets at demand deposit rates, establishing the Version 2.0 era effective January 1, 2026.
AI-Driven Financial Advisory and Behavioral Tax Planning: A Conceptual Framework for Intelligent FinTech Ecosystems
The research paper was submitted on 27 April 2026 and accepted on 09 June 2026 for publication in volume 53 issue 3.
Analysis and Problems of the Risk Monitoring System in the Banking System of Uzbekistan
The article examines the institutional foundations, prudential control mechanisms, and indicators used in the risk monitoring system of Uzbekistan.
Ways of Developing Digital Banks (Neobanks) and Increasing Financial Literacy of the Population in Uzbekistan
The share of internet users among the population of Uzbekistan reached 94,2 % in January–August 2025, compared to 93,3 % in 2024.
Central Bank Digital Currencies, Stablecoins and Monetary Sovereignty: A Theoretical Analysis of Currency Competition and Financial Stability in Emerging Economies
The Central Bank of Nigeria launched the retail eNaira CBDC in October 2021 following a February 2021 directive restricting cryptocurrency transactions in commercial banking.
The Potential of Using Artificial Intelligence Technologies for Prudential Supervision of Credit Institutions
Traditional supervisory methods based on retrospective data analysis and on-site inspections are losing effectiveness due to the dynamic nature of financial risks.
Determinants of Client Acquisition in Retail Financial Services: A Study of Trust, Financial Literacy and Advisory Practices at Aditya Birla Capital, Wakad, Pune
The documentation-to-closure stage was the longest in the cycle, accounting for roughly 41% of the mid-point cycle time of about 16 days.
Climate Technologies and the Funding Bottleneck: The Brazilian Paradox Between Its Strategic Position for the Global Climate and Its Peripheral Role in the Flow of Investments in Climate Innovation
Addressing climate change relies heavily on developing climate technologies, which require significant annual investment volumes (page 2).
Exploring the Impact of Central Bank Digital Currencies on Global Financial Systems
Higher CBDC Readiness Index scores positively correlate with financial inclusion (β = 0.0042, p < .001).
A Structural Governance Framework for Integrating ERM and COSO Controls: Evaluating Compliance Risk and Financial Resilience in Saudi Insurance Companies
The study collects primary survey data from 145 risk, compliance, and internal audit professionals across Saudi insurance companies.
Consumer Buying Behavior Towards Online Insurance Services: An Empirical Study in Bandar Baru Uda, Johor Bahru
Public awareness of digital insurance channels has risen by 20% over recent years, though over 40% of the market remains cautious about using them.
Innovative Process Reengineering Techniques for Maximizing Efficiency in Financial Institutions
Financial institutions implement Robotic Process Automation (RPA) to automate manual tasks like data entry and loan processing, freeing staff for strategic tasks.
Algorithmic & Architectural Intelligence in Banking: A Theory-Driven Framework and Empirical Evidence from Banking Decision-Makers
The study examines how algorithmic intelligence and decision architecture shape strategic and behavioral decision outcomes based on data from 176 banking decision-makers in the Philippines.
Private Credit's Structural Transformation of Investment Banking: From Crisis Instrument to Deal-Making Infrastructure, 2008 to 2029
Global private credit assets under management grew from approximately $2 trillion in 2020 to an estimated $3.5 trillion in 2025.
A Comprehensive Strategic Analysis of Bombay Stock Exchange Limited (BSE): Business Model, Market Position, and Growth Prospects
Bombay Stock Exchange Limited was established in 1875 as The Native Share and Stock Brokers' Association and later converted into a shareholder-owned entity in 2005.
The Role of Risk Management in Mediating the Effect of Digital Banking on the Stability of Islamic Banks
The return on assets (ROA) of Islamic perbankan in Indonesia increased from 1,55% in 2021 to 2,15% in 2025.
Digital Technology Adoption, HR Competence, and Competitive Pressure on Strategic Budgeting: The Moderating Effect of Corporate Governance
The quantitative study surveyed 152 financial managers, branch heads, and budgeting officials at regional banks operating in DKI Jakarta and West Java.
Activity Report 2025: Investments and Fundraising in Venture and Private Equity
Norwegian early-stage companies raised about €170 million in 2025, lagging behind Sweden at €1.2 billion and Denmark at €530 million.
Financing Dynamics and Performance of Quoted Firms: Panel Data Evidence from Nigeria
In model one, 81.7 percent of the total variations in earnings per share were accounted for by the explanatory variables.
Integrating TOE Framework and UTAUT to Explain Online Supply Chain Finance Platform Adoption: Evidence from C2FO Users
The study analyzed survey responses from 200 managers at Taiwanese enterprises using the C2FO platform to evaluate continued supply chain finance adoption.
GreenGuard-AU: A Parsimonious RegTech Framework for Greenwashing Detection in Data-Scarce Regulatory Environments
GreenGuard-AU evaluates 633 company-year observations from the Australian securities market (2021 to 2024) across 38 engineered features.
Leadership Turnover and Financial Inclusion Policy in the UK: Assessing Impact of Prime Ministerial Changes on Access to Banking Credit and Fintech Adoption (2021-2026)
During 2022, the UK experienced three Prime Ministers alongside a peak inflation rate of 9.1%.
Alternative Financing for Innovative Startups
A survey of 500 Russian technology companies by Baza.vc showed that 62% had not raised external financing, 29% received investments, and 10% obtained loans.
Can Regulation Curb AI Adoption Narrative–Practice Decoupling? An Agent-Based Model of the A-Share Market
The study builds an agent-based simulation model using annual-report text and financial panel data on 3,133 A-share listed firms from 2021–2024.