Financial institutions - Science topic

In an increasingly digital world, the security of financial software has become paramount, as the sector is frequently targeted by cyber threats that exploit vulnerabilities in code. This paper explores the integration of generative artificial intelligence (Gen AI) as a transformative approach to enhancing code security within financial application...

Searching for a specific transaction on a blockchain is vital for multiple reasons. It facilitates the verification of transaction authenticity and completion. Also, for businesses and financial institutions, transaction searches are indispensable for auditing, fraud detection, and ensuring compliance. Recently, blockchain technology has garnered a...

Risk Management for Financial Institutions (II) and Asset pricing models - mainly in Developing countries and Newly industrializing/ industrialized ones - but really for any environment in which data is sparse provides - FOR THE 1ST TIME - a basis for the correct application of much of modern Finance Theory (including Portfolio Theory, Asset pricin...

We identify the source of the bias, observed in the Finance literature, in the estimation of Financial option statistical parameters for the purposes of ‘theoretical/practical’ Portfolio and Risk management - via CAPM and CCAPM, and advocate a novel way of correcting the bias - using a, relatively simple, standard Econometric technique. Hence, this...

This book explores the various topics that create the intersection between three key areas of Islamic finance, corporate governance, and sustainable growth. The intersection between these areas develops a useful understanding of how Islamic finance and corporate governance is an essential aspect of sustainable growth. The book sheds light on the ro...

Money laundering is a tactic used by money launderers in order to legalise money they have acquired illegally. Laundering is a global phenomenon, and its impact is extremely important for the well-being of a country and its citizens. The methodology of the research is a literature review. More specifically, articles from international scientific jo...

The monograph entitled The V4 and Ukraine Fight with Tax Fraud and Money Laundering presents a comprehensive exploration of the mechanisms, challenges, and strategies employed by the Visegrad Group countries (V4 – Poland, Hungary, Slovakia, and the Czech Republic) and Ukraine to combat tax fraud and money laundering. Against the backdrop of increas...

This study ascertained Communicating Governance and Cultural Integrity: The Role of Broadcast Media in Combating Corruption in Nigeria. The technological determinism theory of publics was anchored in this study. This study adopted a qualitative research design, utilizing email interviews to gather in-depth insights from cyber-security experts, AI p...

Since AI and blockchain technology combined, the financial services business has grown rapidly. This research examines how merging these two revolutionary technologies might provide unique banking systems with autonomous trust, improved security, and tailored services. Decentralized and open blockchain technology lets AI analyze massive data and pr...

This article discusses the concept of al-uqud al-murakkabah or complex contracts in Islamic law, focusing on its application in Indonesia. Al-uqud al-murakkabah refers to an agreement that combines various legal elements in one contract, different from a simple contract that involves only one type of transaction. Using a qualitative and descriptive...

Introduction Employment is an important indicator for economic stability, wellbeing and quality of life. The analyses examined two aspects of employment among males in Jordan: (1) socio-demographic factors associated with workforce participation among males and (2) association of workforce participation status with select socio-developmental outcom...

Evaluating customer satisfaction through omnichannel banking integration quality: a moderated mediation mechanism. ABSTRACT This research evaluates the relationship that contributes to customer satisfaction in the omnichannel banking environment with SOR framework. Through a robust analysis of 651 participants, using SEM the study reveals a signifi...

This article examines the strategic transformation of authorization in banking through the adoption of Policy-as-Code (PaC) frameworks such as OPA, Styra DAS, OPAL, and Permit.io. It aims to analyze the shift from legacy RBAC models to dynamic ABAC/ReBAC approaches that enable real-time, scalable, and compliant access control. Drawing on empirical...

Financial fraud has become a growing concern with the rapid digitalization of banking and e-commerce platforms. Detecting fraud effectively is challenging due to the high imbalance between legitimate and fraudulent transactions. This research addressed the issue by analyzing publicly available datasets using AI-based techniques to identify patt...

Purpose: Unlicensed money lending has become a pervasive issue in India, deeply affecting the financial stability of vulnerable populations. Unlike regulated financial institutions, these lenders operate outside the purview of legal frameworks, exploiting borrowers through exorbitant interest rates that often range from 120% to 360% annually. 1 Kno...

The aim of this study is to examine investor awareness and preferences towards derivatives trading, particularly futures and options, in India. The research adopts a quantitative approach, using surveys and structured questionnaires to gather data from individual investors across various age groups, income levels, and experience with derivatives tr...

Background Inclusion of persons with disabilities in financial products and services has been identified as an important step on the pathway to achieving the sustainable development goals. Evidence of how people with disabilities are included in financial products and services including strategies to improve their inclusion in low and middle-income...

The present study examines the factors leading to financial distress among small enterprises in India. The CMIE Database was used to extract data from 2008 to 2022. A total of 946 companies’ data has been extracted; however, due to the missing data, 547 companies’ data were used for the analysis. The Springate S-Score is used to classify firms as h...

In the evolving landscape of financial services, blockchain technology has emerged as a powerful tool with the potential to transform liquidity management practices. For U.S. financial institutions, the need for enhanced liquidity transparency has become paramount amid increasing regulatory scrutiny, market volatility, and the demand for real-time...

The increasing sophistication of financial fraud has necessitated the development of advanced AI fraud detection systems capable of identifying suspicious activities in real-time. Real-time data streaming has emerged as a crucial component in enhancing the responsiveness and accuracy of these systems. This paper explores the role of real-time data...

Institutions play a vital role in restricting or encouraging the performance of any economic agent. In this context, fintechs represent a vector of exponential change in the global financial system and its institutions. However, despite the existing relationship between fintechs and institutions, there is a need for more studies exploring the conne...

The rapid evolution of digital payment ecosystems in the United States has significantly influenced banking operations, particularly in the area of short-term funding strategies. As consumers, businesses, and governments embrace faster and more diverse payment systems-ranging from mobile wallets to real-time payment networks-banks are compelled to...

This study assessed the effects of financial inclusion on the financial performance of Non-Banking Financial Institutions (NBFIs) in Zambia, focusing on the impact of Bank Account Penetration (BAP), Utilization of Financial Products (UFP), and Loan Accessibility (LA) on Return on Equity (ROE). The study tested three hypotheses: (1) BAP positively a...

The increasing reliance on Artificial Intelligence (AI) in financial institutions has revolutionized fraud detection systems, offering enhanced accuracy, real-time monitoring, and cost-effective solutions. However, the deployment of AI-based fraud detection tools also presents significant ethical challenges that demand critical scrutiny. This study...

The rapid growth of financial markets and the increasing complexity of trading activities have made the detection of insider trading a critical issue for regulatory bodies and financial institutions. Traditional methods of identifying insider trading are often limited by the sheer volume and complexity of data, as well as the difficulty in detectin...

Purpose This study aims to examine the convergence between terrorism and organized crime, focusing on financial mechanisms such as informal value transfer systems and the institutional conditions that facilitate illicit flows. Design/methodology/approach Using a systematic literature review (preferred reporting items for systematic reviews and met...

In today’s dynamic financial landscape, Islamic financial literacy has become increasingly important for Muslims around the world. This article explores the key issues surrounding Islamic financial literacy and aims to bridge the knowledge gap to empower individuals and communities. Despite the increasing complexity of financial products, financial...

With over two decades passing since the establishment of science and technology parks, and the experience gained from it, along with the environmental changes brought about by emerging technologies, there has been a shift in the country's public policy towards knowledge-based industries and fostering innovation. This has led to the creation of vari...

This paper explores the evolving role of regulatory frameworks and central banks in safeguarding financial institutions and overall economic stability, particularly in the aftermath of the 2008 subprime loan crisis. It examines how regulatory measures such as Basel III have reshaped financial institutions' approaches to capital adequacy, liquidity...

This research concentrates on the design and implementation of a loan repayment prediction system for NIRSAL Plc., a non-financial institution dedicated to de-risking agriculture and supporting agribusinesses through credit risk guarantees. The primary aim of this system is to enhance the accuracy of loan repayment predictions, thereby minimizing t...

In a rapidly digitalizing world, complex disputes would arise due to the technological, regulatory and other complexities. Public and private actors-including central banks, financial institutions, tech firms, and law firms-need to understand the complexity of these disputes before determining whether and how to engage with digitalization. Given...

The dynamic changing nature of fraud patterns and necessity to safeguard sensitive customer data make it difficult for financial institutions to detect fraudulent activities. We propose a novel approach to decentralized financial system fraud detection by merging Federated Learning (FL) with Explainable AI (XAI). Since no two financial institutions...

The digital economy provides more opportunities for expanding and improving the financial market system. However, most studies focus on the micro-level effects at the household level. This paper empirically examines the promotion effect of the digital economy on financial development using data from 2000 to 2021 from 170 countries worldwide. It ana...

The development of technology that penetrates the world of economics has a significant impact on the financial sector in Indonesia. With the presence of Financial Technology financial institutions with the P2P Lending system, it is considered to be able to help the community's economy. However, on the other hand, it has a dark impact on the communi...

Financial technology (FinTech) companies have emerged as important new sources of financial services, especially in emerging markets. In 2017, almost half of the top 100 leading FinTech cities worldwide were in the emerging markets, and of these, 30 FinTech cities were situated in mainland China. This expansion of the FinTech sector is primarily a...

The agriculture sector employs substantial labour force and contributes substantially to the nation's Gross Domestic Product. Its success depends heavily on agricultural credit and financing. The significance of credit in agriculture is being marred by high rates of default. The high default rate on agricultural loans is cause for concern from both...

The increasing speed of digitalization of transactions is generating a greater quantity and variety of consumer data, thereby expanding the store of data that lending institutions can feasibly use to determine the creditworthiness of applicants. In addition, the worldwide proliferation of open financial infrastructures has facilitated data exchange...

The Fintech sector is among the most appealing for investors who are looking for the next wave of disruptive innovation. However, despite the resilience of African Fintech over the past decades on economic growth and unemployment rate, the desired economic growth and unemployment rate is undermined. This study investigates the effects of Fintech on...

This study explores the behavioural factors influencing FinTech adoption in Pakistan, focusing on mobile banking applications. Despite rapid technological advancements, adoption remains low due to trust issues, financial illiteracy, and perceived risks. Using the Unified Theory of Acceptance and Use of Technology (UTAUT) and an extended valence fra...

Financial institutions worldwide have been characterized by high level of fraudulent activities arising from weaknesses in the internal control processes that have been put in place in the financial organizations to help achieve the set goals and objectives. This paper investigated the influence and effect of the internal control system on fraud pr...

This study takes a closer look at how firm size affects the performance of Nigeria's real sector, focusing on eight publicly listed firms on the Nigerian Stock Exchange (NSE) from 2013 to 2022. Using the panel autoregressive distributed lag (ARDL) model as the main approach and confirming results with the fully modified ordinary least squares (FMOL...

With the continuous development of the Fintech sector, the management of credit risk has become particularly important. In this study, ESG factors are introduced into the traditional KMV model, and an innovative green credit risk warning model is proposed. The research employs regression and mediation models to explore the relationship between ESG...

The implementation of cash waqf in Indonesia, with a particular focus on Cash Waqf Linked Deposit (CWLD) as the latest Islamic banking product in the country’s Islamic financial sector. The study adopts a normative legal research method and utilizes primary data obtained through an online interview with PT Bank Muamalat Indonesia Tbk. The data is a...

The implementation of cash waqf in Indonesia, with a particular focus on Cash Waqf Linked Deposit (CWLD) as the latest Islamic banking product in the country’s Islamic financial sector. The study adopts a normative legal research method and utilizes primary data obtained through an online interview with PT Bank Muamalat Indonesia Tbk. The data is a...

Banking sector contributes to economic growth of developed, emerging and developing economies. by acting as an intermediary in facilitating the movement of funds from surplus units to decit units. However, the Nigerian banking sector has been plagued with incessant frauds which had undermined its smooth operations leading to huge loss of money ann...

Financial well-being, a key determinant of life satisfaction, is increasingly threatened by economic volatility and complex financial systems. This study examines the interplay between psychological traits—financial self-control and financial self-efficacy—and their relationship with financial well-being, mediated by financial hardship. Theoretical...

As capital markets evolve amidst mounting volatility, digital transformation, and expanding regulatory expectations, the complexity and interconnectedness of risk have intensified. Traditional risk management frameworks—long reliant on siloed models and static controls—are increasingly inadequate for addressing the dynamic and systemic challenges i...

Unauthorized credit inquiries are also a central entry point for identity theft, with Social Security Numbers (SSNs) being widely utilized in fraudulent cases. Traditional credit inquiry systems do not usually possess strict user authentication, making them vulnerable to unauthorized access. This paper proposes a real-time user authorization system...

Introduction: To ensure that suspicious actions are identified and reported and stop banks from utilizing money, banks are dedicated to anti-money laundering procedures. Banks find it difficult to track transactions suspected of being linked to money laundering using traditional methods alone. As a result, authorities tasked with combating money la...

The rapid evolution of digital technologies has significantly transformed the financial services sector, creating both challenges and opportunities for businesses. Cloud-based Enterprise Resource Planning (ERP) systems have emerged as a key solution for managing financial operations, enhancing scalability, and driving digital transformation. This p...

The rapid evolution of digital banking has profoundly transformed the liquidity management landscape across the United States financial sector. As real-time payments, open banking frameworks, and financial technologies (FinTech) redefine how money moves within and across institutions, banks are compelled to rethink their liquidity strategies. Digit...

Using panel data from 144 countries, this study constructed an inclusive financial evaluation index and depicted the inclusive finance development worldwide under digital empowerment through classification. It reviewed the spatial effect of financial inclusion in developed and developing countries by throwing light on demand, supply, and regulatory...

The digital transformation of the U.S. banking sector has redefined the way liquidity is managed, monitored, and forecasted. With the rise of FinTech platforms, real-time payment systems, open banking, and decentralized finance, the traditional liquidity management frameworks employed by banks are being tested for their relevance and resilience. Th...

Using biometric information and a Personal Identification Number (PIN) is not recommended for Card-Not-Present (CNP) online payments because merchants’ portals and payment processors are not standardized to accept or verify biometric data and PINs. Additionally, it increases the risk of critical information interception through keyloggers, malware,...

This study aims to analyze the marketing strategy of gold installments and gold savings as leading products in islamic financial institutions at bank syariah indonesia (bsi) and pegadaian syariah in west nusa tenggara (ntb). Gold installments and gold savings as one of the leading products that are increasingly enjoyed by customers as a safe and pr...

The U.S. financial sector has undergone a remarkable transformation due to the rise of digital banking. From real-time payments to mobile-based financial services and decentralized financial innovations, traditional liquidity management strategies have been significantly reshaped. This article examines the evolving dynamics of liquidity strategies...

As digital financial transactions and fraudulent activities grow in complexity, ensuring financial system security becomes increasingly challenging. This paper introduces LayerWeighted-GCN (LWG), a novel Graph Neural Network (GNN) model for fraud detection, along with a synthetic dataset named SIFT (Synthetic Insights for Fraudulent Transactions)....

The 2008 financial collapse in the United States was not caused by a single factor, but rather by a combination of events that led to the financial collapse and was largely influenced by subprime mortgages. Therefore, this paper focuses on subprime CDOs (collateralized debt obligations) and credit default swaps (CDSs), which led to the severe econo...

The rapid evolution of digital banking has dramatically reshaped liquidity management in the U.S. financial sector, presenting a landscape marked by both unprecedented opportunities and complex challenges. Traditional liquidity management frameworks-once centered on predictable fund flows and end-of-day reconciliation-are being disrupted by the dem...

Financial risk management has increasingly adopted machine learning (ML) techniques, particularly Gradient Boosting Machines (GBMs), due to their high predictive accuracy. However, their "black-box" nature poses challenges for interpretability and regulatory compliance. This paper reviews the integration of Explainable AI (XAI) methods, such as SHA...

Forex markets are influenced by an intricate interrelation of macroeconomic factors, global events, and market sentiment, and therefore successful hedging is a challenging activity. Traditional hedging models depend primarily on econometric and statistical approaches, which are likely unable to react rapidly to sudden shifts in the Forex market cau...

This study examines the attitudes and behaviors of young investors toward sustainable finance, focusing on the gap between awareness and actionable investment choices. Utilizing a mixed-methods approach, the research combines survey data capturing young investors' attitudes and financial portfolio analyses from a European institution to explore beh...

This paper examines Bank Negara Malaysia's (BNM) Operational Risk Integrated Online Network (ORION, 2021) and its successor, the Operational Risk Reporting (ORR, 2023) policy on operational risk. Our analysis found evidence of significant enhancements in the new policy i.e. the treatment of operational, Shariah non-compliance, cyber, fraud, and sys...

This study investigates the volatility dynamics of gold, silver, and platinum prices using daily closing data from the Shanghai Gold Exchange between 2012 and 2020. We employed ARCH and GARCH models to analyze volatility, asymmetry, and spillover effects among these precious metals. Our findings reveal that all three metals exhibit significant pric...

The increasing prevalence of credit card fraud poses significant challenges to financial institutions and consumers alike. Traditional fraud detection systems, often reliant on rule-based and statistical methods, struggle to keep pace with the evolving tactics of cybercriminals. This study explores the efficacy of deep learning algorithms in enhanc...

This study quantitatively examines the drivers behind public cloud service adoption within the U.S. financial sector, focusing on how product-related factors influence trust. Employing Partial Least Squares Structural Equation Modeling (PLS-SEM) and leveraging Alhogail's conceptual trust model, the analysis reveals the critical role of product qual...

Cryptocurrency is a digital or virtual form of currency that uses cryptography for security. Unlike traditional currencies issued by governments, cryptocurrencies operate on decentralized networks based on blockchain technology, which ensures transparency and security in transactions. This innovative approach allows for peer-to-peer transactions wi...

The increasing prevalence of online banking has been accompanied by a surge in fraudulent activities, necessitating the development of robust and efficient fraud detection systems. This study presents a comparative analysis of various machine learning classifiers-such as Logistic Regression, Decision Trees, Random Forest, Support Vector Machines, a...

Central banks in modern economies have three primary responsibilities: monetary policy, the promotion of the safety and soundness of financial institutions, and the maintenance of financial stability, both at the level of the individual financial firm and at the level of the financial system as a whole. The first and best-known traditional function...

Artificial Intelligence (AI) is transforming energy financing by enhancing decision-making, optimizing investment portfolios, and improving risk assessment in sustainable infrastructure projects. This review explores the role of AI in energy financing, focusing on its applications in risk evaluation, credit scoring, investment optimization, and the...

Loan application fraud presents a significant challenge for financial institutions, resulting in substantial financial losses and regulatory risks. This paper explores the potential of Artificial Intelligence (AI) in identifying and preventing loan application fraud within the financial sector. By leveraging machine learning algorithms, natural lan...

This article comprehensively analyzes the transformative role of advanced artificial intelligence (AI) in the banking sector, focusing on how emerging AI architectures are reshaping financial operations, customer experiences, risk management, and strategic planning. It explores the application of state-of-the-art reasoning models-including GPT-5, C...

This paper explores the integration of reinforcement learning (RL) into adaptive fraud detection systems in dynamic financial environments. Traditional fraud detection models often struggle to keep pace with evolving fraudulent tactics, leading to high false positive rates and delayed responses. Reinforcement learning, with its ability to learn and...

Purpose – The main aim of this study is to examine the interplay of factors influencing financial behavior among undergraduate business students in Saudi Arabia. A clear understanding of these relationships will help policy makers and educational institutions promote sound financial behavior among business students leading to improved financial and...

This article explores the multifaceted impact of trade wars on market risk in financial institutions, with a particular focus on trading portfolios and regulatory capital under the Basel III Fundamental Review of the Trading Book (FRTB). Using recent empirical data from the U.S.-China trade war and projections related to 2025 tariff escalations, th...

Lebanon has been experiencing a severe economic crisis in recent years, leading to a significant decline in access to financial services. A survey found that around 25% of individuals have closed their formal accounts, contributing to an increase in financial exclusion. This situation raises concerns about the crisis’s impact on financial inclusion...

Zero carbon building (ZCB) is an innovative project model catalysing transition to no emission buildings. It is critical to climate mitigation and adaptation strategies by consuming eco-friendly energies and reduction of carbon footprints in the lifecycle of buildings. In recent times, building councils, professionals and researchers within the bui...

The Indian banking sector has undergone significant transformation in recent years, particularly through mergers and acquisitions (M&A), aimed at strengthening financial institutions and improving operational efficiency. One of the prominent mergers is the amalgamation of Vijay Bank with Bank of Baroda, forming a major player in the Indian banking...

This study describes the informal borrowing practices of street vendors operating in a Philippine public market and their implications for business performance. Street vendors are an important part of urban communities, offering essential goods and services while navigating the challenges of operating outside formal regulations. Moreover, due to be...

Traditional macroeconomic and finance theory has been anchored in an "absolute" wealth focused world, whereas we live increasingly in a world dominated by relative wealth goals (i.e., wealth relative to stochastic liabilities). It has shown that the key economic (heterogeneous) actors, consumers, corporations, financial institutions and governments...

Some of the reasons for dealing with this study topic are that today one of the areas with many problems in every society is undoubtedly economic criminality presented in the form of economic crime and organized economic crime. This type of crime represents one of the most serious forms of criminality in society and this form of crime is characteri...

Graph-based learning represents a paradigm shift in financial analytics by leveraging the inherently interconnected nature of financial ecosystems to extract deeper insights and enable more effective decision-making. This article models financial data as networks of entities connected by meaningful relationships, preserving crucial structural infor...

The Indian banking sector has undergone significant transformation in recent years, particularly through mergers and acquisitions (M&A), aimed at strengthening financial institutions and improving operational efficiency. One of the prominent mergers is the amalgamation of Vijay Bank with Bank of Baroda, forming a major player in the Indian banking...

Financial institutions are entities that aim to provide financial facilities to the public whose basic purpose is to raise funds and channel them into loans or credit, because financial institutions need legal certainty, then the Fiduciary Guarantee is present. This study aims to determine the legal protection obtained by debtors and creditors in t...

Innovation in social security systems ensures economic sustainability and public well-being. In 2018, Georgia introduced a mandatory Funded Pension System (FPS) as a financial innovation aimed at enhancing pension sustainability. The success of such reforms depends on economic feasibility, public perception, awareness, and trust. This study examine...

The early 2000s marked a turning point in Nigeria’s banking sector, as financial institutions began leveraging internet technology to improve banking services (Babajide, 2015). This period saw the gradual adoption of online banking, allowing customers to perform transactions remotely through the use of mobile banking SMS service, various reforms fr...

The existence of the banking industry is very strategic for the national economy, both in developed and developing countries. The bank's strategic role includes supporting smooth payment mechanisms through money transfer services, accepting deposits, providing payment facilities using cash, credit and easy and convenient payment facilities. Banks t...

The banking system is considered one of the most important financial institutions that have a vital role in the economy, and global progress in the field of technology and informatics has produced sophisticated scientific means to provide modern banking services, especially electronic ones, and through the experiences of other countries, the Iraqi...

This study explores the application of Bayesian Networks to credit risk assessment, demonstrating how the integration of expert knowledge and data can enhance decision-making in financial contexts. Building on the foundational work of Pearl (1988), the proposed approach offers a transparent, interpretable and probabilistically sound framework for e...

The integration of predictive analytics with banking systems represents a transformative force in modern financial services, enhancing operational efficiency and customer experience across varied institutional contexts. This technical article examines two significant implementations: PenFed Credit Union's PANGEN Project, which revolutionizes credit...

The article investigates the progression of the monetary and financial system (MFS) in the Socialist Republic of Vietnam (SRV) from the time of the country's reunification in 1975 to the present day. The author identifies three distinct periods: the initial period (1976–1985), the period of reforms (1986–2006), and the period of international integ...

In this paper, we investigate the impact of solvency regulatory reform on asset-liability maturity mismatch of life insurers in China. Using the formal implementation of China Risk Oriented Solvency System (C-ROSS) as an exogenous shock to the solvency regulatory regime as well as a difference-in-differences model, we find a significant mitigating...

Purpose – This study investigates the role of green bonds in achieving the Sustainable Development Goals (SDGs), focusing on climate action, clean energy production, and the reduction of fossil fuel consumption. Design/methodology/approach – Using statistical data from 63 nations between 2002 and 2021, a Generalised Method of Moments (GMM) model a...

Green finance has emerged as a transformative force in the global financial landscape, aligning investment strategies with environmental sustainability and climate resilience. This paper explores the evolution, key drivers, and future prospects of green finance in the 21st century. The increasing urgency of climate change mitigation, coupled with g...

Financial inclusion is a critical driver of economic development and social equity in both developed and emerging economies. This paper explores the transformative potential of inclusive financial systems in fostering growth, reducing poverty, and enabling social mobility. Drawing on case studies from the United States, Kenya, India, and Nigeria, t...

This study aims to identify the determinants of saving habits of women employees in Ethiopia: A Case Study of the Southern region of the Wolaita Zone. To achieve general and specific objectives, the study identified socio-demographic, socioeconomic , and institutional factors that affect the saving habits of women employees in the study area. This...

As the issue of sustainable development is progressively valued, financial institutions increasingly incorporate ESG (Environmental, Social, and Governance) factors into portfolio construction to achieve risk management and return maximization. This study investigates how ESG factors influence stock investment returns and performance, while analyzi...

Economic policies based on capitalism and socialism have proven to have failed to create a just economy. As a result of adhering to capitalist and socialist ideologies, macroeconomic imbalances and national instability occur. The welfare and prosperity of the people does not depend on production alone, but also on its proper distribution. Wealth in...

The study aims to find out the impact of the independent variable marketing, the insight and dimensions represented (future vision, actionable, commercial capabilities, credible, originality) in achieving the dependent banking brilliance and dimensions represented (brilliance in service and innovation, Glittering in knowledge, brilliance in leaders...

The 2020-2024 RPJMN is a strategic planning document that guides national development policies, including state financial management, to support economic growth and societal well-being. The state financial policy within the RPJMN encompasses revenue, expenditure, and financing aspects that must be optimally managed to achieve sustainable and inclus...