Search Results (484)

This research examines the compounding risks of global environmental change, including climate change, environmental law, biodiversity loss, and pollution, which threaten the stability of economic systems worldwide. While digital technology and global governance regulation are increasingly being proposed as solutions, their synergistic potential in advancing economic sustainability has been less explored. How can these technologies mitigate environmental risks while promoting sustainable and equitable development, aligning with the Sustainable Development Goals? We analyze policy global environmental data from the World Bank and the United Nations, as well as literature reviews on digital interventions, artificial intelligence, and smart databases. Global environmental change presents economic stability and rule of law threats, and innovative governance responses are needed. This study evaluates the potential for digital technology to be leveraged to enhance climate resilience and regulatory systems and address key implementation, equity, and policy coherence deficits. Policy recommendations for aligning economic development trajectories with planetary boundaries emphasize that proactive digital governance integration is indispensable for decoupling growth from environmental degradation. However, fragmented governance and unequal access to technologies undermine scalability. Successful experiences demonstrate that integrated policies, combining incentives, data transparency, and multilateral coordination, deliver maximum economic and environmental co-benefits, matching digital innovation with good governance. We provide policymakers with an action plan to leverage technology as a multiplier of sustainability, prioritizing inclusive governance structures to address implementation gaps and inform legislation. Full article

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

Morocco is facing a situation of alarming water stress, aggravated by climate change, overexploitation of resources, and unequal distribution of water, placing the country among the most vulnerable to water scarcity in the MENA region. This study aims to investigate the dynamic relationship between economic growth and water stress in Morocco while highlighting the importance of integrated water management and adaptive economic policies to enhance resilience to water scarcity. A mixed methodology, integrating both qualitative and quantitative methods, was adopted to overview the economic–environmental Moroccan context, and to empirically analyze the GDP (gross domestic product) and water stress in Morocco over the period 1975–2021 using an Autoregressive Distributed Lag (ARDL) approach. The empirical analysis is based on annual data sourced from the World Bank and FAO databases for GDP, agricultural value added, renewable internal freshwater resources, and water productivity. The results suggest that water productivity has a significant positive effect on economic growth, while the impacts of agricultural value added and renewable water resources are less significant and vary depending on the model specification. Diagnostic tests confirm the reliability of the ARDL model; however, the presence of outliers in certain years reflects the influence of exogenous shocks, such as severe droughts or policy changes, on the Moroccan economy. The key contribution of this study lies in the fact that it is the first to analyze the intrinsic link between economic growth and the environmental aspect of water in Morocco. According to our findings, it is imperative to continuously improve water productivity and adopt adaptive management, rooted in science and innovation, in order to ensure water security and support the sustainable economic development of Morocco. Full article

Despite the importance of financial literacy, particularly in sustaining and improving rural agriculture, it is documented in the literature that little is known about financial literacy, particularly in rural communities in developing countries. Responding to the calls for research to address this gap, the current study investigates how financial literacy relates to access to funding, innovative service adoption, and sustainable food production among agricultural food producers in Nigeria’s rural communities. A probability sampling technique was used to draw 460 samples from registered rural farmers in the Central Bank of Nigeria’s Anchored Borrower’s Programme for food production in Edo State, Nigeria. Quantitative data were collected using a structured questionnaire. The hypotheses were tested using regression analysis, while descriptive statistics were deployed to analyse the demographic data of the respondents. The outcomes suggest that financial literacy has significant links with access to funding, innovative service adoption and sustainable food production among agricultural food producers in Nigerian rural communities. Based on the outcomes, it is concluded that financial literacy significantly influences sustainable food production in Nigerian rural communities. As such, there is a need for the Nigerian government and financial authorities to embark on a financial literacy drive to increase financial literacy, particularly in light of ever-evolving disruptive financial technologies. Full article

This study evaluates the competitiveness and sustainable development prospects of French-speaking African countries by constructing a comprehensive framework integrating the TOPSIS method and adaptive LASSO algorithm. Using multivariate data from sources such as the World Bank, 30 indicators covering core, basic, and auxiliary competitiveness were selected to quantitatively analyze the competitiveness of 26 French-speaking African countries. Results show that their comprehensive competitiveness exhibits spatial patterns of “high in the north and south, low in the east and west” and “high in coastal areas, low in inland areas”. Algeria, Morocco, and six other countries demonstrate high competitiveness, while Central African countries generally show low competitiveness. The adaptive LASSO algorithm identifies three key influencing factors, including the proportion of R&D expenditure to GDP, high-tech exports, and total reserves, as well as five secondary key factors, including the number of patent applications and total number of domestic listed companies, revealing that scientific and technological investment, financial strength, and innovation transformation capabilities are core constraints. Based on these findings, sustainable development strategies are proposed, such as strengthening scientific and technological research and development and innovation transformation, optimizing financial reserves and capital markets, and promoting China–Africa collaborative cooperation, providing decision-making references for competitiveness improvement and regional cooperation of French-speaking African countries under the background of the “Belt and Road Initiative”. Full article

Innovation is a strategic driver of sustainable competitive advantage and long-term economic growth. This study proposes an empirical framework to support the sustained development of national innovation capacity by examining key enabling factors. Drawing on an extensive review of the literature, the research investigates the interrelationships among governmental support (GS), innovation agents (IA), university–industry R&D collaborations (UIRD), and innovation cluster development (ICD), and their influence on two critical innovation outcomes, knowledge creation (KC) and knowledge diffusion (KD). Using panel data from G7 countries spanning 2008 to 2018, sourced from international organizations such as the World Bank, the World Intellectual Property Organization, and the World Economic Forum, the study applies regression analysis to test the proposed conceptual model. Results highlight the foundational role of GS in providing a balanced framework to foster collaborative networks among IA and enhancing the effectiveness of UIRD. Furthermore, IA emerges as a pivotal actor in advancing innovation efforts, while the development of innovation clusters is shown to selectively enhance specific innovation outcomes. These findings offer theoretical and practical contributions for policymakers, researchers, and stakeholders aiming to design supportive ecosystems that strengthen sustainable national innovation capacity. Full article

Background/Objectives: A growing body of literature has demonstrated that living with food insecurity (FI) increases risk for mental health concerns in addition to nutritional deficits (e.g., suboptimal micronutrient consumption, excessive macronutrient consumption, malnutrition). Yet, research is needed to improve our understanding of subpopulations potentially at increased risk for mental health concerns when living in the context of FI. The current study examined psychosocial health across women of different developmental life stages all living with FI. Methods: Female clients of a large, urban food bank (N = 680) living with FI completed measures of mental health and health-related quality of life (HRQOL) in a cross-sectional design conducted on site at the food bank. Results: Consistent with past research, FI severity was correlated with poorer psychosocial health across all variables. A multivariate analysis of covariance compared women living with FI across 4 developmental life stages (young adult, early midlife, late midlife, and older adult; age range = 18–94 years), controlling for FI severity and race/ethnicity, on outcomes related to mental health and HRQOL. Women in early and late midlife reported higher anxiety, eating disorder symptoms, and eating-related psychosocial impairment than younger and older women. Conclusions: The mental health toll of living with FI is profound; midlife may comprise a developmental period of increased vulnerability to experience this mental health burden of living with FI for women. Thus, efforts are needed to develop innovative pathways for interventions to support the mental health of midlife women living with FI, likely involving multi-level and/or multicomponent approaches to resource access. Full article

The study aimed to evaluate the role of government policies in reducing poverty in Palestine, testing their effectiveness and adequacy, and assessing the challenges associated with their implementation. The study also evaluated the satisfaction of poor families with government programs directed at them. To achieve the objectives of the study, the study followed the descriptive analytical approach, through the use of the quantitative approach, where a questionnaire was distributed to 447 poor families in the West Bank. The qualitative method was developed to study the content of all Palestinian government policies followed to reduce poverty. The results showed a decrease in the confidence of poor families in the adequacy and effectiveness of government policies used to combat poverty, in light of the rise in poverty rates (74.3% in 2024). Accordingly, the study recommends the need to enhance integration between social protection policies and economic development by adopting a comprehensive, innovative, and visionary approach that integrates the provision of resources and sustainable economic empowerment programs to achieve sustainable development goals better. 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

Sustainability reporting has evolved into a multidimensional field encompassing Environmental, Social, and Governance (ESG) disclosure, integrated reporting (IR), and circular economy (CE) practices. This study aims to map the intellectual and thematic landscape of sustainability reporting research over the past decade, with a focus on sectoral differentiation. Drawing on bibliometric analysis of 1611 scientific articles indexed in Scopus, this research applies co-word analysis, thematic mapping, and bibliographic coupling to identify prevailing trends, conceptual clusters, and knowledge gaps. The results reveal a clear progression from fragmented debates toward a more integrated discourse combining ESG, IR, and CE frameworks. In the real economy, sustainability reporting demonstrates a mature operational focus, supported by standardized frameworks and extensive empirical evidence. In contrast, the banking sector exhibits emerging engagement with sustainability disclosure, while the public sector remains at an earlier stage of conceptual and practical development. Despite the increasing convergence of research streams, gaps persist in linking reporting practices to tangible sustainability outcomes, integrating digital innovations, and addressing social dimensions of circularity. This study concludes that further interdisciplinary and sector-specific research is essential to advance credible, comparable, and decision-useful reporting practices capable of supporting the transition toward sustainable and circular business models. 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

This study addresses a critical gap in understanding how mobile banking applications contribute to sustainable development by introducing a novel text mining framework to analyze sustainability dimensions through user-generated content. We analyzed 120,000 reviews from six major Turkish mobile banking applications using an ownership-sensitive analytical approach that integrates structural topic modeling with four sustainability dimensions (environmental, social, governance, and economic). Our analysis reveals significant institutional differences in sustainability approaches: government-owned banks demonstrate substantially stronger overall sustainability orientation (23.43% vs. 11.83% coverage) with pronounced emphasis on social sustainability (+181.7% growth) and economic development (+104.2% growth), while private banks prioritize innovation-focused sustainability. The temporal analysis (2022–2025) shows accelerating sustainability emphasis across all institutions, with distinct evolution patterns by ownership type. Institution-specific sustainability profiles emerge clearly, with each government bank demonstrating distinctive focus areas aligned with historical missions: cultural heritage preservation, agricultural sector support, and small business development. Mapping to Sustainable Development Goals reveals that government banks prioritize development-focused goals (SDGs 1, 8, and 10), while private banks emphasize innovation-focused goals (SDGs 9 and 17). This research makes three key contributions: demonstrating user-generated content as an effective lens for authentic sustainability assessment, establishing ownership-sensitive evaluation frameworks for digital banking sustainability, and providing empirical evidence for contextualized rather than universal sustainability strategies. The findings offer strategic implications for financial institutions, policymakers, and app developers seeking to enhance sustainable digital banking transformation. Full article

This study explores the relationship between customer satisfaction and loyalty in mobile banking, emphasizing the moderating role of Technology Readiness. As mobile banking becomes increasingly central to financial service delivery, understanding the nuanced drivers of customer loyalty is essential for strategic growth. Drawing from the Technology Readiness Index, this study examines how four dimensions, optimism, innovativeness, discomfort, and insecurity, moderate the satisfaction–loyalty linkage. Data were collected via a structured survey from 258 mobile banking users in the United States, analyzed using partial least squares structural equation modeling (PLS-SEM). Results show that optimism and innovativeness positively moderate this relationship, while discomfort and insecurity act as negative moderators. Practically, this research introduces a segmented approach to mobile banking service design, underscoring the need for differentiated strategies that address varying levels of user readiness. Theoretically, this study addresses a gap in mobile banking literature by shifting the focus from adoption to sustained usage and satisfaction-based loyalty, enriching the discourse on customer behavior in digital finance. Full article

Quantum money represents an innovative approach to currency by encoding economic value within the quantum states of physical systems, utilizing the principles of quantum mechanics to enhance security, integrity, and transferability. This perspective article explores the definition and properties of quantum money. We analyze the process of transferring quantum money via quantum teleportation, using terrestrial and satellite-based quantum networks. Furthermore, we consider the impact of quantum money on the modern banking system, particularly in money creation. Finally, we conduct an analysis to assess the strengths and weaknesses of quantum money, as well as opportunities and threats associated with this emerging concept. Full article