Energy, Год журнала: 2024, Номер 314, С. 134181 - 134181
Опубликована: Дек. 11, 2024
Язык: Английский
Finance & Accounting Research Journal, Год журнала: 2024, Номер 6(3), С. 463 - 490
Опубликована: Март 28, 2024
This paper examines the role of digital banking in advancing financial inclusion United States and Nigeria, aiming to identify compare practices outcomes these two distinct economic contexts. Through a comprehensive review existing literature analysis case studies, study explores how platforms services have been implemented their impact on underserved populations. The research methodology includes comparative secondary data, policy documents, interviews with key stakeholders sector both countries. Key findings reveal that has significantly contributed by providing accessible, affordable, convenient services. In USA, technological advancements robust regulatory framework fostered competitive environment, leading innovative solutions for reducing barriers access. Conversely, despite facing infrastructural challenges, mobile payment seen rapid growth, driven necessity reach unbanked populations remote areas. concludes while countries made strides leveraging inclusion, success scale implementation vary due differences development, environments, infrastructure. It suggests cross-country learning adaptation best could further enhance effectiveness promoting globally. contributes understanding banking's potential bridging gap offers recommendations policymakers institutions developed developing Keywords: Digital Banking, Financial Inclusion, Regulatory Frameworks, Policy Initiatives, Mobile Money, Payment Systems, Sandboxes, National Inclusion Strategies, Consumer Protection, Stability, Cybersecurity, Literacy, Fintech Innovation.
Язык: Английский
Процитировано
32
Finance & Accounting Research Journal, Год журнала: 2024, Номер 6(3), С. 421 - 436
Опубликована: Март 28, 2024
The integration of Artificial Intelligence (AI) within financial markets has become increasingly pivotal, particularly in emerging economies where efficiency and accessibility remain significant challenges. This abstract explores how AI technologies are reshaping market development, with a specific focus on enhancing economies. facilitates automation routine tasks, predictive modeling, robust risk management, thereby streamlining operations reducing costs. Moreover, AI-driven solutions democratize services, offering personalized advice expanding inclusion initiatives. Despite its transformative potential, challenges such as data privacy concerns, regulatory barriers, technological infrastructure limitations persist. By examining successful implementations case studies, this review underscores the importance collaborative efforts between public private sectors to overcome these Looking ahead, emphasizes need for policymakers develop conducive frameworks encourages stakeholders embrace sustainable development economies. Keywords: AI, Financial Market Development, Efficiency, Accessibility, Emerging Economies, Automation.
Язык: Английский
Процитировано
24
Open Access Research Journal of Engineering and Technology, Год журнала: 2024, Номер 6(2), С. 033 - 039
Опубликована: Апрель 9, 2024
This review paper examines the theoretical frameworks guiding electrical safety practices in water treatment facilities, with a focus on comparative analysis between Africa and United States. It highlights importance of mitigating risks associated operation these facilities. underscores role regulatory, cultural, economic, technological factors shaping practices. By analyzing regulatory context, approaches, challenges opportunities within regions, identifies best innovative solutions that can inform global standards for safety. The reveals significant differences frameworks, application models, adoption practices, offering insights into adaptability flexibility required to improve outcomes globally. emphasizes integrating diverse perspectives practical experiences enhance worldwide Through this analysis, contributes development comprehensive, adaptable, globally applicable highlighting need international collaboration knowledge exchange achieve optimal levels across different regions.
Язык: Английский
Процитировано
24
International Journal of Applied Research in Social Sciences, Год журнала: 2024, Номер 6(6), С. 1103 - 1132
Опубликована: Июнь 6, 2024
The intersection of renewable energy and environmental health represents a critical nexus where advancements in sustainable solutions hold significant promise for addressing pressing global challenges. This review explores the intricate relationship between technologies their impact on health, highlighting urgent need transformative initiatives. By examining adverse effects traditional sources air quality, water purity, land integrity, it becomes evident that transition to is imperative mitigating these risks. Through case studies technological innovations, this showcases tangible benefits integrating systems, including reductions pollution-related illnesses, improvements sanitation, mitigation degradation. However, despite numerous advantages, challenges such as economic barriers, limitations, policy obstacles hinder widespread adoption. Overcoming requires collaborative efforts across sectors innovative approaches research development. prioritizing investments infrastructure, implementing supportive policies, fostering international cooperation, society can pave way healthier more future. underscores importance advancing at emphasizing urgency collective action address complex facing our planet. Keywords: Renewable Energy, Environmental Health, Sustainable Solutions, Advancements, Technological Innovations.
Язык: Английский
Процитировано
18
World Journal of Advanced Research and Reviews, Год журнала: 2024, Номер 21(3), С. 1020 - 1030
Опубликована: Март 15, 2024
This comprehensive review delves into the critical intersection of transparent reporting and equity within realm mortgage lending. With housing market serving as a cornerstone economic stability social mobility, equitable distribution loans is paramount for fostering inclusive growth mitigating systemic disparities. The paper scrutinizes existing literature, regulatory frameworks, industry practices to assess extent which transparency are upheld in lending processes. By examining key metrics such loan approval rates, interest access credit, this sheds light on persistent inequities identifies potential avenues improvement. Additionally, it explores role technology, data analytics, policy interventions promoting across various stages lifecycle. Ultimately, underscores urgent need concerted efforts from policymakers, financial institutions, stakeholders enhance promote practices. pursuit stands fair accessible finance systems globally. synthesizes current research, illuminate intricate dynamics shaping transparency. Through nuanced analysis factors credit scoring mechanisms, discriminatory practices, oversight, challenges emerging trends landscape. Furthermore, investigates impact socioeconomic factors, demographic shifts, technological advancements credit. elucidating linkages between transparency, equity, stability, offers valuable insights practitioners, researchers seeking foster more resilient markets. In conclusion, calls action collaborative initiatives aimed at foundational principles
Язык: Английский
Процитировано
12
International Journal of Science and Technology Research Archive, Год журнала: 2024, Номер 6(1), С. 127 - 146
Опубликована: Март 30, 2024
This paper presents a comprehensive review of the application and impact Artificial Intelligence (AI) in risk management within banking sectors United States Nigeria, emphasizing comparative analysis. The objective is to assess how AI technologies are adopted implemented practices across these diverse environments, identifying benefits achieved challenges faced. synthesizes existing literature, including case studies, industry reports, academic research, outline current state management. It delves into various types such as credit, market, operational, compliance risks, exploring specific tools techniques employed address risks each country. Key findings suggest that U.S. banks have more mature implementation management, characterized by adoption advanced analytics, machine learning models, natural language processing for enhanced decision-making, fraud detection, monitoring. In contrast, Nigerian sector at nascent stage adoption, with efforts hampered like inadequate technological infrastructure, regulatory hurdles, lack skilled professionals AI. Despite differences, identifies strong interest potential growth applications sector, spurred an increasing recognition AI's value enhancing competitiveness meeting demands. Conclusively, underscores critical role supportive policies, investment capacity building human capital pivotal elements fostering effective integration analysis reveals both disparities areas collaboration between sectors, advocating global dialogue on best strategies
Язык: Английский
Процитировано
9
International Journal of Science and Technology Research Archive, Год журнала: 2024, Номер 6(1), С. 147 - 166
Опубликована: Март 30, 2024
This paper provides a comprehensive review of the evolving role big data analytics within financial services industry, highlighting current trends, inherent challenges, and future prospects. The objective is to synthesize existing research practices understand how transforming services, including banking, insurance, investment sectors. Through systematic examination peer-reviewed articles, industry reports, case studies, methodology encompasses both qualitative quantitative analyses offer insights into adoption, implementation, impact analytics. Key findings reveal that pivotal in driving innovation, enhancing customer experiences, improving operational efficiency services. It plays critical risk management, fraud detection, personalized advice, algorithmic trading, among other areas. However, faces significant privacy concerns, regulatory compliance, technological infrastructure requirements, need for skilled professionals. concludes while offers substantial opportunities realizing its full potential requires addressing challenges through strategic investments technology, human capital, governance. prospects are promising, contingent upon industry's ability adapt rapid advancements landscapes. underscores importance continued collaboration between stakeholders leverage sustainable growth competitiveness.
Язык: Английский
Процитировано
8
Finance & Accounting Research Journal, Год журнала: 2024, Номер 6(3), С. 437 - 462
Опубликована: Март 28, 2024
This paper presents a comprehensive review of the impact Financial Technology (FinTech) on banking sectors in United States (USA) and Nigeria, offering comparative analysis to understand differential effects integration strategies FinTech across these two distinct economic contexts. Through an extensive literature review, synthesizes findings from previous studies, reports, industry analyses outline key dimensions FinTech's influence banking, including operational efficiencies, customer service innovations, regulatory challenges, broader implications for financial inclusion. In USA, highlights how has driven significant advancements through technological innovation, support, strong emphasis customer-centric services, leading enhanced efficiencies competitive market dynamics. Conversely, Nigerian sector reveals burgeoning landscape that, despite facing infrastructural hurdles, made notable strides promoting inclusion democratizing access services. The study underscores critical role frameworks, infrastructure, maturity shaping adoption solutions. It concludes that while transformative potential globally, its effective sustainable growth are highly dependent tailored consider unique socio-economic environments each country. calls collaborative approach among policymakers, institutions, companies foster support innovation ensuring stability consumer protection. By drawing lessons USA offers valuable insights other countries navigating complexities into their sectors. Keywords: FinTech, Banking Sector, Evolution, Impact, Comparative Analysis, Future Trends, Policy Recommendations, Inclusion, Innovation, Regulation, Cybersecurity, Digital Divide, Collaboration, Literacy, Artificial Intelligence, Blockchain, Biometric Authentication, Internet Things, Quantum Computing, Central Bank Currencies.
Язык: Английский
Процитировано
6
International Journal of Frontiers in Engineering and Technology Research, Год журнала: 2024, Номер 6(2)
Опубликована: Апрель 6, 2024
This review paper examines the theoretical perspectives on cybersecurity challenges facing critical water infrastructure, with a focus comparative insights from Africa and United States.By exploring foundational theories of risk management, resilience, deterrence, delineates how these concepts are applied adapted to address needs systems within distinct contexts two regions.The analysis identifies common such as malware attacks, system vulnerabilities, human factors, regional differences influence technological regulatory environments, cyber threat landscapes.Through analysis, highlights lessons learned best practices both regions, emphasizing importance capacity building, comprehensive role public-private partnerships.The concludes call for future research develop adaptable models that different regions' unique challenges, underlining understanding's in enhancing global resilience infrastructure against threats.
Язык: Английский
Процитировано
0
International Journal of Frontiers in Engineering and Technology Research, Год журнала: 2024, Номер 6(2), С. 001 - 007
Опубликована: Апрель 6, 2024
This review paper examines the theoretical perspectives on cybersecurity challenges facing critical water infrastructure, with a focus comparative insights from Africa and United States. By exploring foundational theories of risk management, resilience, deterrence, delineates how these concepts are applied adapted to address needs systems within distinct contexts two regions. The analysis identifies common such as malware attacks, system vulnerabilities, human factors, regional differences influence technological regulatory environments, cyber threat landscapes. Through analysis, highlights lessons learned best practices both regions, emphasizing importance capacity building, comprehensive role public-private partnerships. concludes call for future research develop adaptable models that different regions' unique challenges, underlining understanding's in enhancing global resilience infrastructure against threats.
Язык: Английский
Процитировано
0