Search Results (668)

The introduction of mobile banking is essential in today’s financial sector, where technological innovation plays a critical role. To remain competitive in the current market, businesses must analyze client attitudes and perspectives, as these influence long-term demand and overall profitability. While previous studies have explored general adoption behaviors, limited research has examined how individual factors such as social influence, lifestyle compatibility, financial technology self-efficacy, and perceived usage cost affect mobile banking adoption among specific generational cohorts. This study addresses that gap by offering insights into these variables, contributing to the growing literature on mobile banking adoption, and presenting actionable recommendations for financial institutions targeting younger market segments. Using a structured questionnaire survey, data were collected from both users and non-users of mobile banking among the Gen Z population in the United States. The regression model significantly predicts mobile banking adoption, with an intercept of $-0.548$ ($p < 0.001$). Among the independent variables, perceived cost of usage has the strongest positive effect on adoption ($B=0.857$, $\beta =0.722$, $p < 0.001$), suggesting that adoption increases when mobile banking is perceived as more affordable. Social influence also has a significant positive impact ($B=0.642$, $\beta =0.643$, $p < 0.001$), indicating that peer influence is a central driver of adoption decisions. However, self-efficacy shows a significant negative relationship ($B=-0.343$, $\beta =-0.339$, $p < 0.001$), and lifestyle compatibility was found to be statistically insignificant ($p=0.615$). These findings suggest that reducing perceived costs, through lower fees, data bundling, or clearer communication about affordability, can directly enhance adoption among Gen Z consumers. Furthermore, leveraging peer influence via referral rewards, Partnerships with influencers, and in-app social features can increase user adoption. Since digital self-efficacy presents a barrier for some, banks should prioritize simplifying user interfaces and offering guided assistance, such as tutorials or chat-based support. Future research may employ longitudinal designs or analyze real-life transaction data for a more objective understanding of behavior. Additional variables like trust, perceived risk, and regulatory policies, not included in this study, should be integrated into future models to offer a more comprehensive analysis. Full article

As Android malware grows increasingly sophisticated, traditional detection methods struggle to keep pace, creating an urgent need for robust, interpretable, and real-time solutions to safeguard mobile ecosystems. This study introduces YoloMal-XAI, a novel deep learning framework that transforms Android application files into RGB image representations by mapping DEX (Dalvik Executable), Manifest.xml, and Resources.arsc files to distinct color channels. Evaluated on the CICMalDroid2020 dataset using YOLO11 pretrained classification models, YoloMal-XAI achieves 99.87% accuracy in binary classification and 99.56% in multi-class classification (Adware, Banking, Riskware, SMS, and Benign). Compared to ResNet-50, GoogLeNet, and MobileNetV2, YOLO11 offers competitive accuracy with at least 7× faster training over 100 epochs. Against YOLOv8, YOLO11 achieves comparable or superior accuracy while reducing training time by up to 3.5×. Cross-corpus validation using Drebin and CICAndMal2017 further confirms the model’s generalization capability on previously unseen malware. An ablation study highlights the value of integrating DEX, Manifest, and Resources components, with the full RGB configuration consistently delivering the best performance. Explainable AI (XAI) techniques—Grad-CAM, Grad-CAM++, Eigen-CAM, and HiRes-CAM—are employed to interpret model decisions, revealing the DEX segment as the most influential component. These results establish YoloMal-XAI as a scalable, efficient, and interpretable framework for Android malware detection, with strong potential for future deployment on resource-constrained mobile devices. Full article

This study was developed to identify the optimal (most cost-effective) strategies to reduce sediment and phosphorus loadings in the Upper Soldier Creek, Kansas, USA, watershed using the Watershed Management Optimization Support Tool (WMOST) suite of programs. Under average precipitation, loading targets for upland total phosphorus (TP) could be met with use of grassed swales for treating urban area runoff and of contouring for agricultural runoff. For a wet year, the same target could be met, but with use of a sand filter with underdrain for the urban runoff. Both annual and daily TP loading targets from Total Maximum Daily Loads (TMDLs) were exceeded in simulations of best management practice (BMP) solutions for 14 alternative future climate scenarios. We expanded the set of BMPs to include stream bank stabilization (physical plus riparian restoration) and two-stage channel designs, but upland loading targets could not be met for either TP or total suspended solids (TSS) under any precipitation conditions. An optimization scenario that simulated the routing of flows in excess of those treated by the upland BMPs to an off-channel treatment wetland allowed TMDLs to be met for an average precipitation year. WMOST can optimize cost-effectiveness of BMPs across multiple scales and climate scenarios. Full article

Stevia rebaudiana Bertoni, a semi-perennial herb from the Asteraceae family, is native to the Paraguay–Brazil border region. The growing industrial interest in this species is due to its natural sweetening properties, such as steviol and its derivatives, which offer sweetness without adding calories. Morphological traits are crucial for assessing genetic variability and ensuring distinctness, homogeneity, and stability (DHS) for cultivar protection. This study characterized 19 elite Stevia genotypes from Embrapa Cerrados’ Active Germplasm Bank (BAG) using 21 morphological descriptors from Brazil’s Ministry of Agriculture, Livestock, and Supply (MAPA). Genetic distances were calculated using the simple coincidence index complement method, and clustering was performed via the Unweighted Pair-Group Method with Arithmetic Mean (UPGMA). The results showed that 17 of the 21 descriptors (>80%) effectively differentiated the genotypes, revealing significant genetic variability. Dendrogram analysis identified at least four major similarity groups, highlighting the potential of these genotypes for Stevia breeding programs. These findings underscore the suitability of these elite genotypes for developing superior varieties adapted to Cerrado conditions, supporting future cultivation and genetic improvement efforts. Full article

Modulation identification plays a crucial role in contemporary wireless communication systems, especially within 5G and future-generation networks that utilize a variety of multicarrier waveforms. This study introduces an innovative algorithm for automatic modulation classification (AMC) built on a deep residual network (DRN) architecture. The approach is tailored to accurately identify advanced 5G waveform types such as Orthogonal Frequency-Division Multiplexing (OFDM), Filtered OFDM (FOFDM), Filter Bank Multicarrier (FBMC), Universal Filtered Multicarrier (UFMC), and Weighted Overlap and Add OFDM (WOLA), using both 16-QAM and 64-QAM modulation schemes. To our knowledge, this is the first application of deep learning in the classification of such a diverse set of complex 5G waveforms. The proposed model combines the deep learning capabilities of DRNs for feature extraction with Principal Component Analysis (PCA) for dimensionality reduction and feature refinement. A detailed performance evaluation is conducted using metrics like classification recall, precision, accuracy, and F-measure. When compared with traditional machine learning approaches reported in recent studies, our DRN-based method shows significantly improved classification accuracy and robustness. These results highlight the effectiveness of deep residual networks in improving adaptive signal processing and enabling automatic modulation recognition in future wireless communication technologies. Full article

This study aims to map the scientific knowledge of bank profitability and its determinants. It identifies trends and gaps in existing research through a bibliometric analysis. To this end, 634 documents published in the Web of Science database over the last 54 years were analyzed using the bibliometric package. The results indicate an increase in the volume of publications following the 2008 financial crisis, focusing on analyzing the factors influencing bank profitability and economic growth. The Journal of Banking and Finance is the preeminent publication in this field. The literature reviewed shows that bank profitability depends on internal factors (size, credit risk, liquidity, efficiency, and management) and external factors (such as GDP, inflation, interest rates, and unemployment). In addition to the traditional determinants, the recent literature highlights the importance of innovation and technological factors such as digitalization, mobile banking, and electronic payments as relevant to bank profitability. ESG (environmental, social, and governance) and governance indicators, which are still emerging but have been extensively researched in companies, indicate a need for evidence in this area. This paper also provides relevant insights for the formulation of monetary policy and the strategic formulation of banks, helping managers and owners to improve bank performance. It also provides directions for future empirical studies and research collaborations in this field. Full article

This study delivers a rigorous and in-depth bibliometric examination of 693 scholarly publications addressing the intersection of metaverse technologies and banking, retrieved from the Web of Science Core Collection. Through advanced scientometric tools, including VOSviewer and Bibliometrix, the research systematically unpacks the evolving intellectual and thematic contours of this interdisciplinary frontier. The co-occurrence analysis of keywords reveals a landscape shaped by seven core thematic clusters, encompassing immersive user environments, digital infrastructure, experiential design, and ethical considerations. Factorial analysis uncovers a marked bifurcation between experience-driven narratives and technology-centric frameworks, with integrative concepts such as technology, information, and consumption serving as conceptual bridges. Network visualizations of authorship patterns point to the emergence of high-density collaboration clusters, particularly centered around influential contributors such as Dwivedi and Ooi, while regional distribution patterns indicate a tri-continental dominance led by Asia, North America, and Western Europe. Temporal analysis identifies a significant surge in academic interest beginning in 2022, aligning with increased institutional and commercial experimentation in virtual financial platforms. Our findings argue that the incorporation of metaverse paradigms into banking is not merely a technological shift but a systemic transformation in progress—one that blurs the boundaries between speculative innovation and tangible implementation. This work contributes foundational insights for future inquiry into digital finance systems, algorithmic governance, trust architecture, and the wider socio-economic consequences of banking in virtualized environments. Whether a genuine leap toward financial evolution or a sophisticated illusion, the metaverse in banking must now be treated as a systemic phenomenon worthy of serious scrutiny. Full article

Botanical gardens serve as vital centers for ex situ conservation, maintaining diverse plant species under controlled conditions. Terrestrial orchids, despite their wide diversity and distribution, often occur in small and declining populations, making their conservation increasingly urgent. This study aimed to examine the potential for establishing the first specialized orchidarium in Serbia, focusing on the native orchid species of the Fruška Gora region. A SWOT analysis, combined with site assessment data, was employed to identify key strengths, weaknesses, opportunities, and threats, informing the development of a functional zoning plan. The results indicate that such an orchidarium would offer a threefold benefit: strengthening ex situ conservation, advancing scientific research and environmental education, and promoting sustainable tourism. The proposed design consists of eight distinct zones, three of which reflect natural habitats of selected orchid species. The planned integration of a seed gene bank in the central zone, along with living plant collections and a nearby in vitro culture laboratory, establishes a comprehensive framework for the sustainable management of orchid genetic resources in the region, forming a foundation for future research and preservation. Full article

This study describes the first complete chloroplast genome of Ranunculus cf. penicillatus and provides new insights into the genetic composition and evolutionary relationships of the Ranunculus genus. The genome was assembled and characterized using high-throughput sequencing technologies, revealing a circular structure encompassing 158,313 base pairs. Comparative analysis with the chloroplast genomes of related species within the Ranunculus genus highlights notable variations in structural organization, which can elucidate potential adaptive evolutionary mechanisms. Phylogenetic analyses conducted using the maximum likelihood approach resulted in the placement of Ranunculus cf. penicillatus within a well-defined clade, revealing its relationship with other taxa. This study not only enriches the existing plastid genomic data of the genus Ranunculus but also serves as an additional resource for future studies on the phylogenetics, systematics, and conservation biology of this diverse group of aquatic plants. The findings highlight the importance of complete chloroplast genomes in the Ranunculus section Batrachium, an evolutionarily young group of aquatic plants, for understanding plant diversity and evolution. The genome can be accessed on GenBank with the accession number PV690257. Full article

Modern financial practices introduce complex risks, which in turn force financial institutions to rely increasingly on computational risk analytics (CRA). The purpose of our research is to attempt to systematically explore the evolution and intellectual structure of CRA in banking using a detailed bibliometric analysis of the literature sourced from Web of Science from 2000 to 2025. A comprehensive search in the Web of Science (WoS) Core Collection yielded 1083 peer-reviewed publications, which we analyzed using analytical tools like VOSviewer 1.6.20 and Bibliometrix (Biblioshiny 5.0) so as to examine the dataset and uncover bibliometric characteristics like citation patterns, keyword occurrences, and thematic clustering. Our initial analysis results uncover the presence of key research clusters focusing on bankruptcy prediction, AI integration in financial services, and advanced deep learning applications. Furthermore, our findings note a transition of CRA from an emerging to an expanding domain, especially after 2019, with terms like machine learning (ML), artificial intelligence (AI), and deep learning (DL) being identified as prominent keywords and a recent shift towards blockchain, explainability, and financial stability being present. We believe that this study tries to address the need for an updated mapping of CRA, providing valuable insights for future academic inquiry and practical financial risk management applications. Full article

This study aims to explore how Corporate Digital Responsibility (CDR) influences Jordanian banks’ performance. It focuses on four CDR dimensions—“social, technological, economic, and environmental”—and examines the mediating role of firm size in these relationships. This study is the first to empirically test the mediating effect of firm size in the relationship between CDR and firm performance in the Jordanian banking sector, providing a novel perspective on how digital ethics shape organizational success. Data were collected through a structured survey from 299 bank employees in Jordan. Structural Equation Modeling (SEM) was employed to assess the direct and indirect effects of CDR dimensions on firm performance, with firm size tested as a mediating variable. All four dimensions of CDR significantly and positively affect firm performance. Additionally, firm size plays a partial mediating role in the relationship between CDR and firm performance, indicating that larger banks may better leverage digital responsibility initiatives to enhance performance. The study relies on self-reported data from a single country (Jordan), which may limit generalizability. Future studies could adopt a longitudinal design or expand to other MENA countries for comparative analysis and broader insights. The findings suggest that Jordanian banks should invest in and prioritize CDR strategies, especially in economic and technological domains, to improve their organizational outcomes and stakeholder relationships. Enhancing firm size may amplify the positive impact of CDR. The findings of this study are robust, as validated by further analysis utilizing data from a customer survey. The results derived from customer viewpoints correspond with staff data, substantiating the beneficial influence of Corporate Digital Responsibility (CDR) on banking performance and affirming the substantial mediating effect of company size. Full article

This study explores the impact of growth opportunities on the capital structure of South African banks, utilising panel data from registered banking institutions covering the period from 2014 to 2023. While a substantial body of literature examines the relationship between growth prospects and corporate leverage, limited attention has been paid to this interaction within the banking sector, particularly in emerging economies. By employing the dynamic panel Generalised Method of Moments (GMM) estimator to address endogeneity concerns, the analysis reveals a statistically significant positive relationship between growth opportunities and both the total debt ratio (TDR) and the long-term debt ratio (LTDR). In contrast, a significant negative association is found between growth opportunities and the short-term debt ratio (STDR). The findings suggest that banks with stronger growth prospects are more inclined to utilise long-term financing, possibly reflecting shareholder preferences for institutions with favourable future outlooks and lower refinancing risks. These results highlight the importance of aligning capital structure decisions with an institution’s growth trajectory, while indicating that this relationship shifts depending on the maturity of the debt considered. This study contributes to the existing literature by contextualising capital structure decisions within the framework of growth opportunities. Structure theory within the context of the banking sector in a developing market offers practical insights for strategic financial planning and regulatory policy. Full article

The extensive environmental pollution caused by petroleum-based plastics highlights the urgent need for sustainable, economically viable alternatives. The practical challenge of enhancing polyhydroxybutyrate (PHB) production with cost-effective agro-industrial residues—rice-bran and corn-flour hydrolysates—has been demonstrated. Bacillus bingmayongensis GS2 was isolated from soil samples collected at the Pirana municipal landfill in Ahmedabad, India, and identified through VITEK-2 biochemical profiling and 16S rDNA sequencing (GenBank accession OQ749793). Initial screening for PHB accumulation was performed using Sudan Black B staining. Optimization via a sequential one-variable-at-a-time (OVAT) approach identified optimal cultivation conditions (36 h inoculum age, 37 °C, pH 7.0, 100 rpm agitation), resulting in a PHB yield of 2.77 g L⁻¹ (66% DCW). Further refinement using a central composite response surface methodology (RSM)—varying rice-bran hydrolysate, corn-flour hydrolysate, peptone concentration, and initial pH—significantly improved the PHB yield to 3.18 g L⁻¹(74% DCW), representing more than a threefold enhancement over unoptimized conditions. Structural validation using Fourier Transform Infrared spectroscopy (FTIR) and Proton Nuclear Magnetic Resonance spectroscopy (¹H-NMR) confirmed the molecular integrity of the produced PHB. That Bacillus bingmayongensis GS2 effectively converts low-cost agro-industrial residues into high-value bioplastics has been demonstrated, indicating substantial industrial potential. Future work will focus on bioreactor scale-up, targeted metabolic-engineering strategies, and comprehensive sustainability evaluations, including life-cycle assessment. Full article

The Belt and Road Initiative (BRI) prioritizes infrastructure investment to enhance regional connectivity and foster sustainable economic development. Therefore, this empirical study aims to examine the impact of the BRI, specifically through Chinese foreign direct investment (CFDI) on sustainable growth in Bangladesh. The study employs the Mann–Kendall trend analysis and the generalized method of moments (GMM). For the Mann–Kendall trend analysis, sectoral FDI and output data from four major industrial sectors, obtained from Bangladesh Bank and CEIC for the period 1996–2020, are used to analyze trends in industrial development. Additionally, to assess the BRI’s role in sustainable development, this study compares green gross domestic product (GGDP) and gross domestic product (GDP) using a GMM analysis of CFDI inflows across 16 industrial sectors from 2013 to 2022, sourced from various databases. Findings reveal that CFDI significantly contributes to domestic industrial growth, particularly in the manufacturing and construction sectors. Although Bangladesh joined the BRI in 2016, a notable surge in CFDI appears from 2011–2012, partially driven by Bangladesh’s economic liberalization policies, and reflects early strategic investment consistent with China’s expanding economic diplomacy, which was later formalized under the BRI framework. The two-step system GMM results demonstrate that CFDI has a stronger impact on GGDP (0.0350) than on GDP (0.0146), with GGDP showing faster convergence (0.6027 vs. 0.1800), highlighting more robust and rapid sustainable growth outcomes. This underscores the significant Chinese investment in green sectors in Bangladesh. The study also demonstrates that the BRI supports the achievement of Sustainable Development Goals (SDGs) 7 (green energy) and 9 (sustainable infrastructure). These insights offer valuable direction for future research and policy, suggesting that Bangladesh should prioritize attracting green-oriented CFDI in sectors like energy, manufacturing, and construction, while also strengthen. Full article

This article focuses on forecasting morphological changes in small rivers, using the Ulken Almaty River, located on the northern slope of the Ile Alatau range in the Tien Shan mountain system, as a case study. One of the key components of river morphology is the dynamics of channel processes, including erosion, accretion, and the shifting of channel forms. Understanding these processes in rivers flowing through urbanized areas is essential for mitigating environmental and infrastructural risks. Despite their importance, studies of this nature in Kazakhstan remain at a formative stage and are largely fragmentary, underscoring the need for modern approaches to river morphology analysis. Three representative sections of the Ulken Almaty River (upstream, midstream, and downstream) were selected for analysis. Satellite imagery from 2012 to 2021 was used for manual digitisation of river channel outlines. Annual erosion and accretion areas were calculated based on these data. The DSAS 5.1 module, integrated into ArcGIS 10.8.1, was applied to determine the rates of erosion and accretion over the ten-year period. To forecast future channel changes, the Kalman filter model was employed, enabling projections for 10 and 20 years into the future. A comparative analysis of the intensity of the erosion and accretion processes was conducted for each river section. Spatial and temporal variations in bank dynamics were identified, with the most significant changes occurring in the middle and lower reaches. Forecasted scenarios indicate the possible deformation pathways of the river channel influenced by both natural and anthropogenic factors. The results provide valuable insights into the spatiotemporal dynamics of fluvial processes in small mountain rivers under the pressure of urban development and climatic variability. The methodology employed in this study offers practical applications for urban planning, river management, and the mitigation of geomorphological hazards. Full article