Digital Banking Maturity 2024
Polish banks account for 4 out of the 40 global Digital Champions, defined as the top 10% of banks.
Academic research
Research index · 685 documents · Website
A Critical Analysis of the Legal and Ethical Challenges of Digital Lending Applications in Tanzania: A Doctrinal Analysis with Comparative Reference to Nigeria
Regulators actively enforced rules by blocking sixty-nine unlicensed loan applications in November 2024.
The BRICS Initiatives for the Transformation of the International Monetary and Financial System
BRICS member countries represent around 55% of the global population and approximately 40% of global GDP in purchasing power parity.
Buy Now and Pay Later in Emerging Markets: Exploring Why Customers Adopt the Service
Electronic payments in Saudi Arabia accounted for 85% of total retail payments in 2025, compared with 79% in 2024.
Customer Perception of Service Excellence in the Financial Services Industry: Integrating ESG Practices and Artificial Intelligence in Banking
The research methodology engaged a total sample size of 120 respondents, collecting 100 responses via Google Forms and 20 via physical forms.
Adoption of Artificial Intelligence in Accounting Practices: Opportunities, Challenges, and Ethical Issues
The proportion of accounting firms planning to invest and upgrade in AI increased from 48% in 2023 to 57% in 2025 to 64% in 2025.
Machine Learning Based Fraud Detection System
The proposed machine learning fraud detection pipeline achieves an ROC-AUC of 0.984 and a PR-AUC of 0.886 across 284,807 European cardholder logs.
A Hybrid Approach Based on Ensemble Learning and SMOTE Technique for Credit Card Fraud Detection
By 2020, Mastercard and Visa issued 2,287 million credit cards worldwide, with Mastercard issuing 1156 million and Visa issuing 1131 million cards.
Voting Ensemble Framework with SMOTE for Financial Fraud Detection in Highly Imbalanced Transaction Data
The framework addresses extreme class imbalance in a dataset comprising 6,362,620 transaction records, where only 8,213 records (0.1291%) represent fraudulent activity.
Employee Perceptions of Organizational Readiness for the Fourth Industrial Revolution: Evidence from the Tanzanian Banking Sector
Out of a calculated sample of 346 bank employees drawn from a population of 2,560, a total of 345 usable responses were evaluated, yielding a 99.7% response rate.
Corporate Governance, Board Oversight, and Firm Value: Evidence from Listed Insurance Companies in Nigeria
The study examines secondary data from 21 listed insurance companies in Nigeria over the period 2012 to 2021, yielding 210 firm-year observations.
Automation of Accounting and Management Accounting Using Digital Platforms, AI, and Blockchain Technology
The study conducts a qualitative review of financial and management accounting automation based on a sample of 27 publications.
Reconceptualising Smart Contracts as Sharīah and Legally Compliant Self-Help for Credit Risk Management in Nigerian Islamic Financial Institutions
Islamic Fintech volume within OIC countries was 49 billion dollars in 2020, representing 0.7% of total market share.
Profiting From Prediction
An anonymous trader earned nearly half a million dollars in profit on a prediction market platform by wagering on the removal of Venezuelan President Nicolás Maduro shortly before his capture by the U.S. military.
A Graph Neural Network Platform for Blockchain Anti-Money Laundering: A Literature Review and Proposed System Architecture
The Elliptic benchmark dataset contains roughly 204 thousand Bitcoin transactions linked by about 234 thousand payment-flow edges across 49 time steps.
Anatomy of the Binance Hot-Wallet Breach of 29 October 2026
An attacker moved roughly US$6.3 billion out of Binance wallets across ten blockchains, with most funds leaving within about 20 minutes starting at 20:05 UTC on 29 October 2026.
Evaluating Blockchain Infrastructure for Institutional Finance: A Comparative Assessment of Scalability, Regulatory Compliance, and Financial Market Adoption
Ethereum accounted for $12.3 billion of the $19.08 billion global market for tokenized real-world assets excluding stablecoins in early January 2026.
The Future of the Indian Financial System
The research paper synthesizes data from secondary sources including the Reserve Bank of India, NPCI, SEBI, and twenty research papers published between 2020 and 2026.
Integrating Artificial Intelligence and Islamic Commercial Law to Enable Online Transactions Free of Gharar
Digital online transactions create legal risks around transparency and information asymmetry, increasing the potential for gharar (uncertainty) in contracts.
Advancing Digital Banking in Albania: Trust, Financial Literacy and Regulatory Readiness in the FinTech Ecosystem
The empirical study analyzed Albania's digital banking ecosystem using quantitative data from a survey of 151 respondents and qualitative data from 15 semi-structured interviews.
Private equity and large-scale investment in healthcare delivery systems: a scoping review
Out of 1,997 records retrieved, the scoping review included a total of 117 evidence sources published between 2000 and 2026.
Beyond Diversification: A Tripartite Framework for Dynamic Portfolio Concentration and Suitability Risk Governance
Global asset management is projected to reach $200 trillion by 2030 as private market investments and tokenized products increase instrument-level risks.
Determinants of Financial Behavior Influenced by Financial Technology and Financial Literacy of MSME Actors in Jakarta
The study surveyed a sample of 70 MSME respondents in Jakarta to evaluate the impact of fintech and financial literacy on financial behavior.
Financial and Technological Challenges in Sustainable Energy Infrastructure
Clean-energy investment needs are predicted to rise by around 40% by 2030 from current levels.
NPCI Gateway Integration for Enhanced Fraud Prevention in Digital Transactions
The platform achieved a fraud class precision of 94.2% using a hybrid machine learning approach with Random Forest and Isolation Forest classifiers.
Digitalization of the Capital Market and Investment Activity: Empirical Assessment for Ukraine
Empirical evaluation of Ukraine's capital market shows that electronic transactions explain 75.8% of the variation in trading volume in a single-factor regression model.
Blockchain-Based Data Security for Digital Payment Systems in India
The paper introduces a permissioned blockchain layer to enhance data security for digital payment systems in India across volume 3, issue 10(III) published on 31 Oct. 2026.
FinTech Innovation and Competitive Advantage: Examining the Role of Data Analytics Capabilities
A research simulation of 400 FinTech firms examines how data analytics capability (DAC) and regulatory sandboxes drive competitive advantage.
The Crime Behind the Ledger: False Recording and White-Collar Criminal Liability in Islamic Banking
Alleged false recording practices at BPRS GP in Medan led the OJK to execute the seizure of 41 assets.
Artificial Intelligence for Detecting Irregularities in Banking Operations
The dataset used for fraud recognition research contains 50,000 samples, consisting of 47,573 normal transactions, 2,423 fraudulent transactions, and four unlabeled samples.