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In the United States, banking desert status is classified annually from that same year’s branch data, producing a contemporaneous snapshot of current access rather than a forecast of which communities are likely to change status next. This study tests whether …

Eğitim, barınma, ulaşım, yeme-içme v.b. gündelik masrafları bağlamında üniversite öğrencileri bankacılık sektörü tarafından sunulan hizmetlere ihtiyaç duymaktadırlar. Aynı zamanda öğrenciler önemli bir ekonomik sistem ve finansal piyasa katılımcısı potansiyeli…

In recent years, the financial sector has been considerably developed, especially in electronic banking. As individual users in the financial sector use e-banking and e-finance systems, the concept of loyalty in the banking sector has shifted from traditional …

Open-finance services must prepare for cryptographic transitions while evaluating quantum-computing opportunities against classical alternatives. These decisions require different evidence but concern shared data, software, suppliers, and owners. This paper de…

The emergence of Open Finance is reshaping the global financial landscape by enabling greater data accessibility, interoperability, and innovation. However, this expanded connectivity introduces new layers of regulatory complexity, raising urgent concerns rega…

With the effect of globalization, a significant change and transformation have been experienced. As a result of this change, developments in knowledge and information technologies caused an intense competition among both countries and businesses. In such an …

This study develops the Political and Economic Vulnerability Score (PAVS), a composite index for assessing cross-country differences in macro-financial and institutional vulnerability. Drawing on publicly available World Bank data, the index combines 13 indica…

The most fundamental role of the banking system is to direct funds into the real sector. In all country economies around the world, banks play an important role in transforming savings into investments by acting as a bridge between the financial sector and the…

Open-finance platforms can combine models from different vendors while still concentrating capital in the same trade. Shared data, objectives, and representations make decision diversity the relevant object, rather than diversity of model names. We call loadin…

This paper explores the transformative role of Building Information Modelling (BIM) in enhancing stakeholder engagement in transportation infrastructure projects. Drawing on literature, real-world case studies, and survey results from 32 stakeholders, the rese…

This study employs a supervised learning approach for the Stock Portfolio Selection (SPS) problem. The proposed approach solves three problems defined in the literature review: the narrow period selection problem, the proper objective selection problem, and th…

Chronically, the Nigerian pharmaceutical arena has witnessed a series of scandals, perhaps unprecedented level of unethical behaviors, cruelty or of a kind. These events have seriously shaken people’s belief. In general, such activities have left a black-hole …

Bu çalışmanın amacı, dünyada ilk 10’a giren ve hisse değerlerine ulaşılabilen düzenli hat taşımacılığı yapan 8 şirketin hisse değerlerinde etkin piyasa hipotezinin geçerli olup olmadığının tespit edilmesidir. Bu doğrultuda, zayıf formda etkin piyasa hipotezi…

Developments in Computer Technologies are rapidly spreading all over the world. The internet usage at the beginning of this spread is also manifested in every field. In particular, the use of the internet as a means of communication has made these technologi…