Banks - Science topic

Digital banking bridges geographic and economic gaps by enabling access to financial services through mobile and online platforms. In rural Europe, where physical bank branches are declining, digital platforms offer a cost-effective solution. However, digital literacy and internet infrastructure remain barriers. Research should focus on user behavior, technology acceptance models (TAM), and the socioeconomic impact of digital banking tools.

Kindly remove my article attached to that e mail from your database as the journal removed this article from its database based on my request.

Regards

Dr. Salah Oraby

(PDF) Estimating Saudi Banks’ Credit Risk -Adjusted Return on the Economic Capital

The decline in NPL ratios across EU banks (e.g., reaching 1.85% in Q2 2022) has contributed positively to financial stability. This improvement reflects stronger credit risk management, improved macroeconomic conditions, and regulatory initiatives. Lower NPLs enhance banks’ lending capacity and resilience against economic shocks.

Basel III strengthens capital requirements and introduces liquidity coverage and leverage ratios, enhancing banking system stability. In developing countries, implementation challenges exist due to underdeveloped financial markets and limited data infrastructure. Nonetheless, over time, these reforms incentivize prudent risk-taking and improved governance in the banking sector.

extension://mjdgandcagmikhlbjnilkmfnjeamfikk/https://www.researchgate.net/profile/Anthony-Golden-S/publication/383446493_A_Study_Of_Consumer_Perception_On_The_Use_Of_E-Technology_In_The_Retail_Banking_Sector_A_Comparative_Study_Of_Public_Sector_And_Private_Sector_Banks/links/66cde431bd201736675be2f9/A-Study-Of-Consumer-Perception-On-The-Use-Of-E-Technology-In-The-Retail-Banking-Sector-A-Comparative-Study-Of-Public-Sector-And-Private-Sector-Banks.pdf Golden, S. A. R. (2016). USERS’PREFERENCE TOWARDS TRADITIONAL BANKING VERSUS E-BANKING–AN ANALYSIS. International Journal of Computational Research and Development (IJCRD) Impact, I, 1, 177-182.

The Central Bank of Nigeria - Monetary Policy Committee met on May 21st 2025 and decided on the followings. 1. Retain the MPR at 27.50 per cent.2. Retain the asymmetric corridor around the MPR at +500/-100 basis points. 3. Retain the Cash Reserve Ratio of Deposit Money Banks at 50.00 per cent and Merchant Banks at 16 per cent. 4. Retain the Liquidity Ratio at 30.00 per cent. The implications of the Monetary Policy Committee's decision to hold policy rates steady are multifaceted:

Economic Implications - *Stable Interest Rates*: Retaining the Monetary Policy Rate (MPR) at 27.50% maintains high borrowing costs, which may slow down economic growth but help control inflation. - *Inflation Control*:

The high interest rate aims to reduce inflationary pressures by reducing demand for goods and services. - *Currency Stability*: The decision may help maintain stability in the foreign exchange market, supporting the value of the Nigerian currency. Banking and Financial Sector Implications - *Increased Reserve Requirements*: The Cash Reserve Ratio (CRR) of 50.00% for Deposit Money Banks and 16% for Merchant Banks ensures banks have sufficient liquidity to meet depositors' demands, but also limits their lending capacity. - *Liquidity Management*: The Liquidity Ratio of 30.00% ensures banks maintain a minimum level of liquid assets, reducing the risk of liquidity crises. Investment and Growth Implications - *Reduced Borrowing*: High interest rates may discourage borrowing, potentially slowing down investment and economic growth. - *Attracting Foreign Investment*: The stable interest rate and exchange rate policies may attract foreign investors seeking higher returns, supporting economic growth. Overall, the MPC's decision prioritizes price stability and currency management over stimulating economic growth through lower interest rates.

Banks and financial institutions are increasingly basing their credit, investment and risk management decisions on big data analysis systems. However, automation and analytical algorithms can introduce new risks, such as system errors, bias in predictive models or lack of transparency in decision-making processes. Research shows that the use of Big Data Analytics in financial institutions reduces the risk of financial crises because it enables better risk analysis and more informed investment decisions. Data analytics in the financial sector brings huge benefits, such as better fraud detection, optimisation of investment portfolios and prediction of economic crises. At the same time, concerns are growing about over-reliance on algorithms and their potential for error, which can lead to systemic crises such as stock market crashes caused by algorithmic trading. Therefore, a key question is whether the development of data analysis technology is actually stabilising the financial sector or introducing new risks that are more difficult to control.

The issue of Industry 4.0/5.0 technology applications, including Big Data Analytics to improve data and information transfer and processing systems, is described in the following articles:

APPLICATION OF DATA BASE SYSTEMS BIG DATA AND BUSINESS INTELLIGENCE SOFTWARE IN INTEGRATED RISK MANAGEMENT IN ORGANISATION

The importance of Big Data Analytics technology in business management

The postpandemic reality and the security of information technologies ICT, Big Data, Industry 4.0, social media portals and the Internet

Growing importance of ICT, Industry 4.0 and Big Data Analytics as key determinants of the development of The Financial Industry 4.0

Business Intelligence analytics based on the processing of large sets of information with the use of sentiment analysis and Big Data

What is your opinion on this matter?

Please answer,

I invite everyone to discuss,

Thank you very much,

Best regards,

I invite you to scientific cooperation,

Dariusz Prokopowicz

1. Is there any data available on the quantity of bad or doubtful developing country debt owned by multi-lateral development banks and governments which has been written down?

2. Would MDBs be able to accurately estimate the difference in value to them of a loan they might make to a developing country in hard currency vs local currency?

Can you suggest me some papers on debt restructuring via interest rate discount? Specifically, do you know some empirical or theoretical papers showing that banks agree to renegotiate the terms of the debt contract by applying a discount rate on firms in financial distress?

Dear friends:

I have identified several topics for collaboration, which can result in possible intellectual property products. Interested people can reach me by email: kaushandi@gmail.com. Please state the collaboration title in the subject line of your email. We can discuss the logistics once you reach out to me with your interest.

Please join my whatsapp group

I will keep adding more topics and open to explore more ideas

1. SOLAR POWERED JUICE CART

2. IOT BASED BLOOD OXYGEN SATURATION METER

3. Apparatus for Testing and Studying the Transport of Contaminant through Soil

4. Portable Torch with air quality tracking

5. IOT BASED SMART ROBOT FOR AIR CONDITIONER DUCT CLEANING

6. IOT BASED AUTONOMOUS STAIR CLIMBING MATERIAL HANDLING ROBOT

7. CONFIDENCE TRACKING DEVICE OF THE EMPLOYEE (MACHINE LEARNING BASED)

8. MILK QUALITY ANALYSING AND PURIFICATION SYSTEM

9. PORTABLE MOUNT STAND FOR SUN TRACKING SOLAR PANEL

10. GAS STOVE WITH PORTABLE STORAGE CABIN

11. Biometric fingerprint reader/Iris/ Face/ Voice Authentication Device

12. Water Distillation /Solar Powered Water Distillation System

13. Walking Stick for Visually Impaired People / Elderly People

14. Wearable Electronic Device for Blinds/ IOT Based Wearable Medical Monitoring Device

15. Obstacle Avoidance Shoe with Motion Sensors

16. IoT Enabled Signal/ Driver/ Temperature/Health Monitoring System

17. Ultrasonic Pulse/Velocity Monitoring Device

18. Food/Milk/Oil/Honey/Fuel Adulteration Monitoring Device

19. Safety Helmet for Construction Workers

20. Solar Inverter/Portable Solar Tree/ Solar Power Tent/ Sun Tracking Solar Panel

21. IoT Enabled Audio Player Integrated Printer

22. IoT Based Solar Powered Agriculture Robot

23. Animal Tracking Strap Using RFID and IoT

24. IoT Based Face Mask Detecting and Body Temperature Measuring Device

25. IoT Based Automated Rail Track Inspection Trolley

26. Biosensor Based Biotech Device to Detect Lung Cancer

27. Portable IoT Based Plant Health Monitoring System

28. IOT Enabled Streetlight Controller/ Water Level device

29. Wind/ Solar Power Charging Station for Vehicles/Mobile

30. Agriculture Drone for Monitoring and Spraying Pesticides

31. Fire extinguishing equipped life-saving drone

32. Exam Invigilation Drone/ Pollution Identifying Device/Drone/Underwater Drone

33. Portable Solar Vegetables and Fish Dryer

34. Portable Solar Grass Cutting Machine

35. IoT Based/Solar based Irrigation System

36. Microwave Sensor based Soil Analyzer

37. Soil Moisture Indicator/Smoke and Heat Detector Indicator

38. Helmet with Integrated Camera/ Safety Helmet for Construction Workers

39. IoT based Camera for Healthcare Management

40. IoT Weather/ Air/ Environmental/ Antenna Signal Quality Monitoring Device

41. Pen/ A pen for converting text into speech/ Pen With USB Pen Drive and LED Light

42. Portable Touch Free Sanitizer/Water Dispenser

43. Wrist Band/ Belt for School Children’s /Woman/ Elderly People Security

44. Cell Phone Jammer/ Integrated Indoor Jammer

45. Construction Material/Digital Compression Testing Machine

46. IoT Panel for Door Security System

3l47. Multiple Die Manufacturing Unit

48. Wireless Laptop Charger Cum Cooling Pad

49. Sensor for Breast/Lung Cancer Detection

50. Agriculture Seed & Fertilizer Feeder with Linear Plough Digger

51. Network Device/Network Functions Platform/ Network Computing

52. Defect Display Device for Ad Hoc Network/ Optical Network Terminal

53. Wireless Networking Device For Controlling Home Appliances

54. Detection of Diabetic Analyser/ Apparatus for Healing Diabetic Foot Ulcer

55. Seed/Vegetable Quality Analyser Device/ Colour Image Detection Device/Fruit Processing Machine

56. Device for detecting diseased leaves in plant by image processing

57. Room Heater/ Water heater/ Solar Water Heater

58. LED Light/ Solar Step Light/ Emergency Light/ Photographic Flashlight/ Lighter for Gas Stove

59. Headphone/ Wireless Headphone

60. Border/ Marine Boundary Alert System for Fishermen

61. Food/Metal/Stone/ Image/Data Processing Unit

62. PLASTIC WASTE MANAGEMENT SYSTEM

63. FINANCIAL DATA MANAGING DEVICE IN BANK.

64. Portable Device for Queue Management

65. ATTENDENCE MANAGEMENT SYSTEM

66. Dissolution Testing Apparatus

67. BIO-TELE MONITORING BELT FOR PREGNANT WOMEN

68. Medical Device for Measuring Bodily Fluid in Neonates

69. Drug dissolution Analyzing apparatus

70. Mobile Agitator Vessel for pharmaceutical and chemical industries

71.Pneumatic Stirrer Agitator for pharmaceutical laboratory

72. PHARMACEUTICAL SOXHLET APPARATUS

73. INFRARED TRACKING LIGHT FOR JOINT AND MUSCLE THERAPY

74. Blister Machine for Pharmaceutical Purpose

75. Cartoning Machine for Pharmaceutical Purpose

76. Medical Waste Treatment Device

77. A DEVICE FOR MEASURING HEART RATE AND RESPIRATORY RATE OF FOETUS DURING PREGNANCY

78. CARDIOVASCULAR STENT FOR THE PREVENTION AND MANAGEMENT OF CARDIOVASCULAR DISORDER

79. AI based smart glasses for determining retinal stress

80. BELT FOR SCHOOL CHILDREN SAFETY

81. wireless Medical appliance controlling device

82. ML based robot for determining Crop Yield

83. Facemask banding machine with online payment facility

84. MACHINE LEARNING BASED HEALTH MONITORING WEARABLE DEVICE

85. PLANT MONITORING DEVICE USING IOT

86. SMART TROLLEY WITH PRODUCT TRACKING USING IOT

87. ELECTRONIC VAPORIZATION DEVICE

88. AI based collapsible metal detector

88. IoT BASED BLOOD OXYGEN SATURATION METER

89. IoT BASED WEATHER FORCASTING DEVICE

90. MICROREACTOR FOR NANOPARTICLES SYNTHESIS

91. Artificial Electronic Hand with Electromyographic (EMG) Signals

92.. Machine learning based stress detection device

93. 5G based Remotely control IOT street lamp

94. AI based smart glasses for determining retinal stress

95. BELT FOR SCHOOL CHILDREN SAFETY

96. wireless Medical appliance controlling device

97. ML based robot for determining Crop Yield

98. Facemask banding machine with online payment facility

99. MACHINE LEARNING BASED HEALTH MONITORING WEARABLE DEVICE

100. PLANT MONITORING DEVICE USING IOT

101. SMART TROLLEY WITH PRODUCT TRACKING USING IOT

102. ELECTRONIC VAPORIZATION DEVICE

103. AI based collapsible metal detector

104. TELESCOPIC WALKING AID FOR HANDICAP

105. VESSEL CLEANING ROBOT

106. IOT BASED BIOGAS LEAKAGE DETECTING DEVICE

107. LEAD TOXICITY DETECTOR AND WATER CLEANING MACHINE

108. MICROREACTOR FOR NANOPARTICLES SYNTHESIS

109.Weather and Natural Disasters Prevention and Monitoring Using IOT, AI and ML

110. IoT based Solar Powered Robot for Agriculture

Dear colleagues

one of our manuscripts is accepted for publication in one of the journals.

The first author sent the APC to the journal via bank transfer.

this journal does accept the use of credit card for payment.

this Journal recommends a bank in Europe to transfer the APC.

we paid the fees above 1000 Euro and sent the payments documents from our bank in UAE a few weeks ago.

However, the publishing editor of this journal claims that the journal didn’t receive the money.

what I can do?

please give advice if you have experience

regards

Nabil Eid

In my opinion, investment banks should play a key role in green financing processes, given their strategic importance in capital allocation and their ability to mobilize vast financial resources. The green transformation of the economy, which is necessary to combat climate change and environmental degradation, requires huge financial resources that far exceed the capacity of the public sector. Investment banks, as institutions that manage large investment portfolios and engage in large-scale projects, have a unique ability to support green initiatives by financing renewable energy, sustainable infrastructure and green technology projects. Investment banks have both the potential and the responsibility to become more actively involved in green financing processes. Their activities can play a key role in accelerating the green transformation of the economy, while opening up new investment prospects. However, this requires adequate preparation, an innovative approach to risk management, and close cooperation with the public and private sectors.

I have described the key issues of the green economy transformation issue in the following article:

And what is your opinion on this topic?

What is your opinion on this issue?

Please answer,

I invite everyone to join the discussion,

Thank you very much,

Best regards,

Dariusz Prokopowicz

ما اثر جودة الحوكمة المصرفية

How can we calculate the value of the environmental, social and governance criteria in commercial banks?

Dear Researchers, Scientists, Friends,

Financial stability is crucial for the proper functioning of the economy. Financial crises such as the one in 2008 have highlighted the need to strengthen the financial system. The two main approaches are to tighten regulations for commercial banks to prevent excessive risk and to create bailout funds financed by the banks themselves that can be used in crisis situations. For the purposes of this discussion, I have formulated the following research thesis: stricter regulations for commercial banks reduce the likelihood of financial crises, but can limit the availability of credit and hinder economic growth. On the other hand, bailouts financed by the banking sector ensure a quick response in crisis situations, but can lead to moral hazard, where banks take excessive risks, hoping for support in case of problems. Therefore, the analysis should take into account the impact of stricter regulations on financial stability and on the lending activities of banks and their ability to finance the economy. It is also crucial to examine the extent to which regulations affect the level of innovation in the financial sector and the competitiveness of banks in international markets. In the case of rescue mechanisms financed by the banking sector, it is important to analyse their effectiveness in mitigating the effects of possible financial crises and their impact on the risky behaviour of financial institutions. An important aspect is also the assessment of the costs of such mechanisms for the banking sector and the ways in which they are financed (e.g. through bank contributions). In addition, the potential social effects of both approaches should be considered, including the impact on savers, investors and taxpayers. The study should also take into account the experiences of different countries in implementing stricter regulations (e.g. Basel III) and creating rescue funds (e.g. Single Resolution Fund in the EU) in order to draw conclusions about the effectiveness of both strategies.

My articles below are related to the above issue in some aspects:

What do you think about this topic?

Please answer,

I invite everyone to the discussion,

Thank you very much,

Best wishes,

I invite you to scientific cooperation,

Dariusz Prokopowicz

The global financial crisis of 2007-2009 was the result of a number of factors that started as early as the 1990s and were then compounded at the beginning of the 21st century. Many mistakes were made at the time, both at the level of monetary policy, in terms of over-liberalisation of the functioning of financial markets and banking entities (in the mid-1990s, the separation of the functioning of deposit and loan banking from investment banking was abolished). Allowed to grant mortgages to uncreditworthy citizens. The missing funds for granting bad loans, i.e. loans that in 99 per cent probability would not be repaid on time, were no longer obtained from bank deposits but from derivative securities issued for this purpose, which were sold as subprime bonds to successive investment banks as secure and profitable investment financial instruments. Credit rating agencies gave these credit derivatives the highest AAA ratings, which just before the onset of the global financial crisis was no longer factually correct and was a clear example of a breach of good business ethics. There was also a high level of systemic credit risk arising from the underwriting of many of the thus unreliable mortgages by a small number of commercially operating insurance companies. There has been a lot of unreliability, the application of unethical business practices in credit risk management both at a systemic level and at the level of individual banking entities. The credit risk management process in investment banks at the beginning of the 21st century was not working efficiently and effectively. The banking procedures were not adequately adapted to the current realities of the technological advances taking place and new financial instruments, derivatives being created in a highly liberalised prudential standard of credit risk control. I have researched this issue and described these issues in publications that are posted on my profile on this Research Gate portal. I had researched the issue of improving the credit risk management processes carried out in commercial banks even before the global financial crisis of 2007-2009. Some procedural and normative issues have been corrected but rather not all, which should be corrected so that a similar financial crisis does not occur again in the future.

In view of the above, I address the following research question to the esteemed community of researchers and academics:

What is your opinion on this subject?

Please reply,

I invite you all to discuss,

Thank you very much,

Analysis of the effects of post-2008 anti-crisis mild monetary policy of the Federal Reserve Bank and the European Central Bank

Synergy of post-2008 Anti-Crisis Policy of the Mild Monetary Policy of the Federal Reserve Bank and the European Central Bank

ACTIVATING INTERVENTIONIST MONETARY POLICY OF THE EUROPEAN CENTRAL BANK IN THE CONTEXT OF THE SECURITY OF THE EUROPEAN FINANCIAL SYSTEM

I invite you to scientific cooperation,

Best wishes,

Dariusz Prokopowicz

USD already lost it's value in Biden's regime due to increase inflation caused by overly hiked interest rates by FED and US Banks.

FED tried to recover USD strength since 2023 November but still is far away from their target of bringing American Inflation below 2% which is still near 2.9%.

Now, Donald Trump introduced Tariffs on all trade partners but so far this policy has impacted USD negatively. Interest rates are already low even FED wants to reduced them further this year. But the issue is that Tariffs have started to increase inflation which can't be rought back just by reducing interest rates.

1. Will USA go out of the way and reduce interest rate to a great extent, 2. will Trump impose taxes on American Public or

3. will tariffs favour USD's strength ultimately?

Three big questions.

JPMorgan Chase | Bank of America, etc., "off-us" transactions generally refer to transactions occurring outside of the bank's own network (like ATMs or POS terminals) and can contribute to revenue through fees or interchange charges.

On-Us: Transactions that occur within a bank's own network, like using your bank's ATM or debit card at a merchant terminal that uses your bank's network.

Off-Us: Transactions that occur outside of a bank's own network, such as using a card at a different bank's ATM or using a card at a merchant terminal that uses a different network.

My research is available on @ResearchGate: https://www.researchgate.net/publication/390410273_Open_Banking_and_APIs_Research_on_how_open_banking_frameworks_and_APIs_are_reshaping_the_financial_ecosystem?utm_source=twitter&rgutm_meta1=eHNsLUNtUnpEbXdKWlVETXRnZy8xMnoySE9adkZDSmkzakNtS1gxajRmQjZRL2RtbFFTdVh1R1VxREdCQXhlcWNOL2tqRVlNaXN2bnlpc2JPUEE5VDA2aFlTST0%3D

Dear Colleagues,

I am wondering whether it is necessity of conducting Unit root tests, cointegration, stability tests when conducting a research on banking, studying the implications of financial inclusion on banking profitability for a panel of 74 banks from 10 different countries. The methodology used here is a Dynamic Panel Data (SGMM) and not Panel cointegration analysis. With my colleagues, we have used 10 banking variables and we were not looking for the causal relationships among the variables.

Honestly, I have never seen a single High quality paper using a Dynamic panel data conducting the above-mentioned tests. But I need your input regarding this matter.

Many thanks

For the context of this question see reference Yao, Y., Hu, C. and Barnes, B.B., 2023. Mysterious increases of whiting events in the Bahama Banks. Remote Sensing of Environment, 285, p.113389.

Dear Researchers, Scientists, Friends,

Financial markets operate in a dynamic and complex environment in which both government regulation and self-regulation mechanisms play a key role. Countries introduce regulations on the functioning of banks, stock exchanges and investment funds, but some theories suggest that over-regulation can undermine the innovation and efficiency of financial markets. On the other hand, self-regulatory mechanisms, e.g. clearing institutions and liquidity rules, can stabilise markets, but without state supervision, there is a risk of abuse and speculation. For the purposes of this discussion, I have formulated the following research thesis: state regulation is crucial for the stability of financial markets, but excessive intervention can lead to a reduction in their effectiveness and innovation. Accordingly, this is a fundamental question of economic policy and financial stability affecting global capital markets. This problem can be analysed in the context of various financial crises, e.g. the 2008 crisis, where the lack of regulation of the derivatives market led to disastrous consequences. At the same time, research on economies with varying degrees of regulation can indicate which combination of state intervention and self-regulatory mechanisms provides the best market stability.

My articles below are related to the above issues in some aspects:

I have described the key aspects of the monetary policy pursued by central banks in recent years in the following article:

I have described the issue of economic globalisation as a significant factor in the systemic transformation of banking in Poland in the following article:

I described crisis management in a company in the article:

CRISES IN THE ENVIRONMENT OF BUSINESS ENTITIES AND CRISIS MANAGEMENT

I have described the key issues of anti-crisis state intervention in my article below:

And what do you think about this?

What is your opinion on this matter?

Please answer,

I invite everyone to the discussion,

Thank you very much,

Best regards,

I invite you to scientific cooperation,

Dariusz Prokopowicz

How do banks strike the ideal balance in the present dynamic financial scenario between profitability and liquidity risk?

What role does corporate governance play in the stability of finances?

I tackle these core questions in my latest research by studying prominent Ghanaian banks to find:

Liquidity risk and its effect on bank performance

The corporate governance function in making the finance decision Strategies for risk mitigation and sustainable profitability

This paper is a must-read for bank executives, policy makers, researchers and finance professionals who are looking for evidence-based information regarding risk management and financial sustainability.

How does liquidity risk shape the future direction of banking? Let's discuss it in the comments.

Read the full study here: https://doi.org/10.37118/ijdr.29268.02.2025

#Finance #Banking #RiskManagement #CorporateGovernance #LiquidityRisk #FinancialPerformance #GhanaBanking #Research #EmergingMarkets

I am in a need of a good and successful example of revitalization of river bank, coast in the smaller or bigger city/town through good urban planning and architecture.

When faced with rising inflation, policymakers can choose between two main strategies: tightening monetary policy (by raising interest rates) or tightening fiscal policy (by reducing public spending). Each of these methods has its advantages and limitations, and their effectiveness depends on macroeconomic conditions.

Both methods have significant macroeconomic consequences. Raising interest rates can limit inflation by reducing demand for credit and curbing consumer spending and investment. However, it can also slow down economic growth, increase the cost of servicing the public debt and lead to recession. In turn, the reduction of public spending may lead to a drop in demand and a decrease in inflationary pressure, but at the same time it threatens to weaken economic growth and worsen the situation on the labour market. The ultimate effectiveness of each method depends on the structure of the economy and factors such as the level of debt, the degree of openness to international trade and the inflation expectations of consumers and businesses.

I have written about the sources of the high inflation that has occurred since 2021 in the wake of the Covid-19 pandemic in the following article based on my research:

I have described the key aspects of the monetary policy pursued by central banks in recent years in the following article:

And what is your opinion on this topic?

What do you think about it?

Please reply,

I invite everyone to the discussion,

Thank you very much,

Best regards,

I invite you to scientific cooperation,

Dariusz Prokopowicz

Cyber security

Inadequate funding

When banks are merged, some employees will inevitably lose their organizational positions and this causes a severe reduction in the motivation of employees. It is necessary for the organization to design the organizational structure in a way that utilizes the greater capacity of the employees in good way.

Artificial intelligence is reshaping business—though not at the blistering pace many assume. True, AI is now guiding decisions on everything from crop harvests to bank loans, and once pie-in-the-sky prospects such as totally automated customer service are on the horizon. The technologies that enable AI, like development platforms and vast processing power and data storage, are advancing rapidly and becoming increasingly affordable. The time seems ripe for companies to capitalize on AI. Indeed, we estimate that AI will add $13 trillion to the global economy over the next decade.

Yet, despite the promise of AI, many organizations’ efforts with it are falling short. We’ve surveyed thousands of executives about how their companies use and organize for AI and advanced analytics, and our data shows that only 8% of firms engage in core practices that support widespread adoption. Most firms have run only ad hoc pilots or are applying AI in just a single business process.

Why the slow prog­ress? At the highest level, it’s a reflection of a failure to rewire the organization. In our surveys and our work with hundreds of clients, we’ve seen that AI initiatives face formidable cultural and organizational barriers. But we’ve also seen that leaders who at the outset take steps to break down those barriers can effectively capture AI’s opportunities.

source: Building the AI-Powered Organization Technology isn’t the biggest challenge. Culture is. by Tim Fountaine, Brian McCarthy and Tamim SalehFrom the Magazine (July–August 2019) https://hbr.org/2019/07/building-the-ai-powered-organization

Dear Colleagues,

On behalf of the Organizing Committee, I am delighted to invite you to submit a paper for presentation at the Amsterdam Sustainable Banking and Finance Mini-Conference, scheduled to take place in Amsterdam on 18 and 19 March 2025.

This event, organized by the Centre for Economic Transformation in collaboration with Amsterdam University of Applied Sciences, Rotterdam University of Applied Sciences, and Avans University of Applied Sciences, offers a dynamic platform to discuss the evolving role of sustainable banks and finance in transforming the EU toward a sustainable economy.

We welcome submissions of abstracts and original working papers for presentation in our academic sessions. Key topics include:

All accepted papers will be included in the conference proceedings, and selected works may be invited for submission to the Journal of Sustainable Finance and Investment for further publication.

We would be honored to include your insights and expertise in this conference. Please check the attachment for further details and submission guidelines.

We look forward to your participation and to welcoming you to Amsterdam this March!

Warm regards,

Marleen Janssen Groesbeek

Maaike Lycklama à Nijeholt

Zara Nori

Frank Jan de Graaf

Gert de Jong

José Ruiz del Portal Tranche

Jalal Mrabti

I want to do the following topic for my PhD thesis:

"Presenting a retention marketing strategy with a customer reputation approach using data mining"

Given that the research method is qualitative, I request you to answer one of the following questions in one sentence.

Is it important to you that the bank has a system for engaging with lapsed customers?

Is it important to you that the bank tries to have a two-way interaction with customers?

Is it important to you that the bank tries to build long-term relationships with customers?

There are different types of appraisal mechanism in the banking industry in Bangladesh. All the techniques have some merits and demerits. However, financial industry require evaluation of employees considering both qualitative and quantitative factors. In depth, these factors doesn’t provide continuous evaluation result for which the decision makers has to wait for feedback. A central and continuous appraisal mechanism can aid the decision makers to undertake prompt and better decision in a unbiased manner.

I am working on the effects of credit risk management on profitability of Indian private banks. I want to find the data on PCR for the regression model.

ANY SCHOLAR WITH A SIMILAR WORK OR HAVE INTEREST IN THE ABOVE TOPIC?

While allocation of portfolio for the purpose of long term investment - we would have one type of assets that are getting an compounding on the interest this asset gains annually, and we would have assets into which we would be also adding portions that will enhance the compounding power to a larger extent.

An example of the former would be Fixed Deposits in Banks, whereas for the latter it would be SIPs that are regularly invested into a Mutual funds.

Even if considering the risk adjusted returns, would not the compounding power of an investment vehicle into which we are able to contribute monthly or annually beat any kind of investment vehicle that doesn't have this facility?

Hence, won't Gold ETFs or Mutual Funds beat the SGBs in an eight years tenure, even if the markets are bullish or bearish?

This Enemy is now killing you man, killing your family, robbing you of your home, car water and required foods for your life. Join with TPEOM" What more is your response focus?

With TPEOM >http://www.tgmncsb.com/join_TPEOM.html or continue ignorantly with your 'business as usual and thus die as a baked Homosapien genome starting your death as of 2047 to be carbonized 'charcoal at or by 2048! Is this your choice to allow all of what is you as 'your' lineage to be broiled corpses of 2047 ~ 2048?

What is your choice? Life or premature death!?

>I very personally chose Life! <! > With you or without you’< However, if it is to be with the y'alls then you as head of them ‘alls you make your way for them by this path of life: http://www.tgmncsb.com/join_TPEOM.html

The absolute solution for the above depiction situation is;

EMC ~ MEC, Physics10.pdf

📷

EMC ~ MEC, Physics As the full exacting modality of saving this planet by 1-01-2033 is by starting immediately as funding is made available to make the first step into it. This world houses 197 countries & 38 principalities as all of them. As of Jan 2024 all the new media agencies (global) are news casting of the rising methane levels into the atmosphere and including Co2 and more nitrogen and more carbon monoxide. These items tagged as 'Greenhouse' gases block the Earth from reradiating the suns solar radiation energy as thermal heat (IR). The more of that thermal that remains within the Earth’s atmosphere the more the environmental consequences of severance of inhospitality happens, making planet Earth no so much a life a sustaining planet or a place to live or be when year 2048 arrives. Now globally some biodiversity that breathes of this atmosphere are being sick, incapacitated or dead. so then the exacting purpose, focus of this project is o turn us planet earth back into a life sustaining planet as of date of 01-01-2033 , and to do that TPEOM Prof. Dr. Mike K. Yoshida needs an immediate tool of $85,000,000.00 or $110,000,000 banked into Mike K. Yoshida's bank A/C of ICBC Bank of Kuala Lumpur Malaysia so then Dr. Yoshida goes into the Vancouver TRIUMF particle accelerator / Cyclotron to make way of our having those needed environmental 'tools' that will make that 'difference' into a good life supporting, giving planet as said here and within this EMC ~ MEC, the Physics of TPEOM Page. What will you do about this? Help make way or sit on your hands thinking of some ‘other’ to make the way for this. Live by making this the way to do that 'living' or go pass away as of year 2048?

With this now being with you will you make this your way to save & continue your lifestyle as you've made it to be for you?

Yes

no

What i your choice?

My choice is yes!

Supposedly the m/z and abundance of a user spectra is being available with us. How to figure out the exact compound by searching in mass bank with the available information ?

Hello everyone,

I am currently working on a thesis that examines the relationship between ESG (Environmental, Social, and Governance) factors and bank performance. I have found that The Banker Database would be an ideal resource for the data I need, as it contains comprehensive bank-level information for thousands of banks worldwide.

Unfortunately, I do not have access to this database through my institution. I was wondering if anyone here might have access to The Banker Database and would be willing to assist me or point me in the right direction on how to obtain this data - or any similar database for that matter.

Any help or guidance would be greatly appreciated. Thank you in advance!

SMEs are backbone of the country's white economy, most of them are II generation entrepreneurs and migrated from family owned business policies, and having sufficient higher educations for innovation in the existing business platform. There is scope for radical rethink and re-engineering their family owned business processes. MSMEs are holding 50% of employment of the Nation like India, unfortunately/fortunately they are in white market and there is no mechanism to distinguish the black markets.

White economy have interested in research, innovations and inventions, whereas the black economy gives birth to social evils, unemployment and antinational activities. Black money generation and money laundering is real threat to the security of the Nation. Time has come to investigate on theory of black banks of the Nation, Beware of Black Banks (3B) as it is growing exponentially with population of the Nation.

Startup projects should be intergraded with innovation and intellectual properties right and skill development programs.

I need publications on Equity multiplier

· How do intelligent technologies influence financial management practices in the banking sector?

· What are the benefits and challenges associated with integrating intelligent technologies in financial management within banks (answering machines, chatbots,…..)?

· How do different types of banks (online, traditional, hybrid) adapt to and benefit from intelligent technologies?

What are the preferences of customers regarding traditional vs. smart technology banking services?

Hello everyone,

I have been trying to understand the concept of performing docking for repurposing studies. I've watched a couple of tutorial videos about docking with Pyrx, but at some points, I got confused and I wanted to ask if anybody can help me with that. Probably, the answers to my questions are somewhere on the internet, but I haven't found them yet.

1) Firstly, I am not sure how to find appropriate protein files on the Protein Data Bank (PDB). When I search for a specific protein on the PDB, there are numerous files available, and I don't know which one is suitable for my study. Some proteins have been used in previous studies and they share the same ID number, but what about the other proteins? In tutorials, most of them start with looking for file names, such as 2CNK on the Protein Data Bank.

2) Secondly, my question is about the preparation of the protein for docking. Let's say I have chosen a PDB file to work on, but how am I going to prepare it properly for docking? In some tutorials, people first prepare the protein using other programs like Chimera or AutoDock, and then take the modified PDB to Pyrx. However, in some cases, they directly load their protein on PyRx and modify them there. I'm confused about which approach is more accurate.

3)Thirdly, how to find the active site of the protein or should I use center of mass of the protein as a center of grid box.

4) This question also related with the second one, I read that make macromolecule function in PyRx is remove water, add H and charges. if this is true, making dockprep on Chimera and then loading prepared protein on pyrx then making again macromolecule is wrong thing to do?

Thank you for your answers...

My friend who is a Credit Review Officer is working on a research project. The outcome need to be published hence facing difficulties.

Bank of Bhutan is not allowed in institution details. Any suggestions

The impact of monetary policy and bank rate on the performance of deposit money banks in Nigeria

Wanna know the conditions initially

I will be using peptide sequences ranging from 9mers to 15mers.

1- Which standard/database should be used or recommended: Protein Data Bank, non-redundant protein sequence database (nr), or another?

2- Should I include Organism in the standard? Homo sapiens (Taxid ID: 9606).

I am testing the platform based on doi.org/10.1016/j.micpath.2021.104996, which does not describe or reference how this step was done. Following methodologies described in other works and comparing them with this, the analyses do not match. Additionally, the authors have not responded regarding how this step was carried out.

Thank you!

I have trtriedy some sites like World Development Indicators, IMF, African Developmennt Banks/ Group. Data needed are: Interest rate (Nominal or other wise), financial development data, Finanacial stability, e and son for West African?

I find some in WDI (2023) but i have unbalanced data. Thank you .

Good day to everyone !

Any one of you can help me in accessing bank level data from Thomson Reuters? Unfortunately, I do not have access to Thomson Reuters and would greatly appreciate your assistance in navigating the process of accessing data through this platform.

I'm looking for public databases for green finance indicators, which provide information on sustainable investments, carbon emissions, sustainable development initiatives, and other indicators related to green finance. These are used by green banks, businesses, and governments to assess and track progress in the field of sustainable finance.

If i want to find out impact on bank performance due to merger , which model is good for that?

I want to make questionnaire relating to my research project report in MBA on the topic of NPA in selected private sector bank. I selected HDFC bank for studying specifically. So I want to ask for whose i make questionnaire and how what kinds of questions included in the questionnaire.

C-level executives and high-ranking managers are prime targets for phishing attacks using malicious QR codes, termed "quishing."

In the fourth quarter of 2023, C-suite members were 42 times more likely to receive QR Phishing attacks compared to non-executive employees.

Let’s learn how QR phishing campaign works:

Also read: The Potential Risks of “QR Code Phishing” a.k.a “Quishing”Attackers create malicious QR codes that impersonate legitimate websites like bank login pages or popular online stores.

These malicious QR codes are then strategically placed in various locations, both physical (posters, packaging) and digital (emails, social media ads).

Leveraging social engineering tactics, the attackers employ messages that either exploit urgent needs like password rest or offer exclusive rewards to manipulate users into scanning the code.

When the user tries to access it, it takes them to an attacker-controlled malicious website.

The malicious website prompts users to enter their login credentials, personal details, or financial information.

Sometimes, right after scanning the code, the website would download malware straight onto the user's device.

Read our research article on the above attack mitigation:

360159651_Secured_Secret_Sharing_of_QR_Codes_Based_on_Nonnegative_Matrix_Factorization_and_Regularized_Super_Resolution_Convolutional_Neural_Network

Opening Islamic banking by conventional banks fact.

I am a master student at Erasmus university and writing my thesis about branding in the banking sector. I am desperately looking for participants for my interviews, a lot of companies are too busy and not willing to help. the interview can take place via teams or zoom, and would just take around 15 minutes.

I will ask some questions about what companies (from your perspective as employee) find more important in a bank, the transactional relationship and that the service is good, or a deep connection and bank that values the company and tries to inspire.

I am willing to share more about the subject, all help is appreciated!

A hazard is anything that could cause harm. And, A hazard refers to anything with the potential to cause harm, damage, or adverse effects to people, property, the environment, or any other entity.

Hazards can be physical (e.g., fire, electricity), chemical (e.g., toxic substances), biological (e.g., pathogens), ergonomic (e.g., repetitive motion), or psychosocial (e.g., stress).

Risk, is part of everyone's life. For example, there is a risk of injury due to traffic accidents when we go out onto the street. Also, when we put money in a bank, there is a risk of not being able to retrieve it if the bank goes bankrupt.

The impact of Capital Adequacy on strategic foreign partnerships in the banking sector of Libya is significant. Capital Adequacy refers to the amount of capital that banks are required to hold to ensure their financial stability and ability to absorb potential losses. In the context of strategic foreign partnerships, capital adequacy requirements can influence the decision-making process for both domestic and foreign banks looking to form partnerships in Libya. we witnessed in the past 20 years that there were a couple of successful and failed partnerships such as a story of Aman- Banco Esprito Santo banks.

Legal guarantees and illegal guarantees.

An enterprise is considering investing in a building project costing GHS 150,000. The following cash flows are expected from the project. The beta of the project is 1.15 and the market return is 18%. The risk-free rate is 12%.

Year GHS

0 (150,000)

1 50,000

2 55,000

3 90,000

4 105,000

a) What is the expected return/cost of equity on this project?

b) Mabel Enterprise is a levered entity with a percentage of debt to equity ratio of 4:6. If the interest rate on a bank loan is 20% and the cost of equity is computed in (a), what will be the NPV of the investment?

c) What is the IRR for the project?

d) What will be your overall advice concerning the viability of the project?

Hi friends

I need to find CAMELS bank ratios for the Mena region. The source is from 2015–2022.

many thanks

Collected data of ten years for recovery(%) of four channels of recovery for recovery from NPAs of banks. Want to know if I can use ANOVA to test my hypotheses relating to recovery(%) of any two channels or all four channels.

These species were collected in Portoviejo estuary banks and I'm confusing in what genus the are. I appreciate if someone can help me to identify

Hello everyone,

I am working on a research on "Strategies for Fraud detection in Loan Application Process in Indian banks" For which I need any relevant research paper previously done. Please let me know if anyone have any idea on this topic and if you can share that work with me. Thank you

Bank digitalization can help reduce finance constraints of medium and small enterprises, while does Bank digitalization make sense for enterprise investment? How?

Hello,

My 6 year old granddaughter found these along the bank of a lake Tawakoni in Texas (Cretaceous). Does anyone know what they are?

Digital transformation seems to be more than just the digitization of data and processes, or digitization in combination with robotisation. It leads to a special kind of socio-economic change. With digital transformation the events gain its momentum and affect functioning of organisations and many aspects of lives of individuals, with consequences as follows:

• the emergence of the almost ubiquitous Internet of Things – subjectivity and objectivity become complex,

• the unreal world becomes a new reality,

• use of smartphones – the need for continuous communication (Fear of Missing Out)

• virtual assistants,

• threats to our private lives through the unauthorized use of security cameras and surveillance equipment

The bank must be safe but fast, cheap, tailored to the customer‘s needs and smart. Today, it is difficult to talk about customer loyalty or sentiment. Today‘sclient is mobile, he comes and goes, does not stay in the bank through sentiment or habit, and because the bank accompanies him in all phases of his life as a consumer and as an economic entity.

I advise you to please take a read of the below chapter and I would be very happy to know your thoughts.

Is it the end of banking as we know it? Will AI be the future of banking? Will banks be soon digitized mechanism and advisors AI?

based on my earlier research:

(PDF) Role of digitization for German savings banks. Available from: https://www.researchgate.net/publication/344808656_Role_of_digitization_for_German_savings_banks [accessed Nov 28 2023].

Hello everyone, may I ask who has used the paid remote delivery service for academic dissertations from university libraries in the United States? If so, will you transfer the funds to the other party's corporate account after receiving the necessary documents? I recently contacted the University of Hawaii Library to obtain a graduation thesis. After receiving the literature, the other party sent me an email stating that payment was required. The email only provided the account name but did not include the name of the remitting bank. I called the other party to request detailed account information, but they sent me the original email again. I went to the bank to inquire, but it was not resolved. May I ask if there is any solution?

i need help with type of literature and objectives, this topic was necessitated by a recent bank run on first community bank in kenya.

How has challengers of traditional banks make payments easier and better