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Journal articles on the topic 'Development Financial Institution (DFI)'

Author: Grafiati

Published: 7 June 2025

Last updated: 2 August 2025

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1

Lutfi, Abdalwali, Manaf Al-Okaily, Malek Hamed Alshirah, Ahmad Farhan Alshira’h, Thaer Ahmad Abutaber, and Manal Ali Almarashdah. "Digital Financial Inclusion Sustainability in Jordanian Context." Sustainability 13, no. 11 (2021): 6312. http://dx.doi.org/10.3390/su13116312.

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Digital Financial Inclusion (DFI) refers to efforts to make digital financial services available and affordable to all individuals and institutions, regardless of their net expense or institution size and demographic location. Despite the immense benefits of DFI and DFI-based products and services such as mobile money and payment systems, users’ acceptance is thin, limited, and disappointing in some developing countries as Jordan. Consequently, this study has investigated the factors influencing the acceptance of the mobile payment system in the Jordanian context. This study’s research model s

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2

Mpuchane, Thatayaone, and Tapiwa Gande. "Development Financial Institution (DFI) Employees’ Awareness and Perceptions of Anti-Money Laundering (AML) Practices and Cybersecurity Techniques." European Scientific Journal, ESJ 19, no. 10 (2023): 1. http://dx.doi.org/10.19044/esj.2023.v19n10p1.

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The purpose of this study was to assess employees’ perceptions of anti-money laundering practices at the National Development Bank in Botswana. The study used a quantitative approach. A population of 84 respondents who are employees of a development financial institution (DFI), the National Development Bank (NDB) of Botswana was sampled in this study. Out of these, 36 respondents were selected through a stratified random sampling method to ensure representation in all strata. A self-administered questionnaire was used to collect data. The study found that employees of National Development Bank

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3

S., M. Riha Parvin, and Panakaje Niyaz. "A Study on the Prospects and Challenges of Digital Financial Inclusion." International Journal of Case Studies in Business, IT, and Education (IJCSBE) 6, no. 2 (2022): 469–80. https://doi.org/10.5281/zenodo.7259013.

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<strong>Objective:</strong> <em>Financial inclusion through digital means has initiated the concept of digital financial inclusion (DFI) which is intended to reach out vulnerable community without having digital financial access. This study is an attempt to analyze the various prospects and challenges concerning digital financial inclusion. As the main intention of this study was to assess the challenges and prospects of digital financial inclusion, ABCD analysis also has been undertaken to assess its Advantages, Benefits, Constraints and Disadvantages.</em> <strong>Methodology:</strong> <em>T

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4

N V., Manoj Kumara. "Optimizing Digital Financial Data: Enhancing Business Decision Making in the Indian Scenario." June 2024 3, no. 1 (2024): 208–25. http://dx.doi.org/10.36548/rrrj.2024.1.014.

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The study aims to explore challenges hindering inclusive access to digital financial inclusion (DFI) in the Indian financial sector, focusing on the role of automation in financial decision-making support systems. It also seeks to assess the impact of digital technologies on corporate financial performance and Environmental, Social, and Governance (ESG) considerations. Descriptive research methodology was conducted to analyse challenges affecting inclusive access to DFI, with a sample size of 388 participants from major financial institutions in Mysore city. Primary data was collected through

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John Akwetey Boafo, Maud Avevor, and Noble Osei Poku Danzerl. "AI-powered credit risk assessment in development finance: Opportunities and ethical challenges in emerging markets." World Journal of Advanced Research and Reviews 26, no. 3 (2025): 068–74. https://doi.org/10.30574/wjarr.2025.26.3.2119.

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This discussion paper critically reviews the use of artificial intelligence (AI) in credit risk assessment in development finance institutions (DFIs) in emerging markets. The main goal is to assess the opportunities and ethical challenges of AI driven models for financial inclusion. Using secondary data synthesis, case studies and global policy frameworks, the paper examines how machine learning and alternative data sources can improve predictive accuracy, increase credit access and improve DFI operations. It also points out systemic risks such as algorithmic bias, data privacy violation, lack

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Adzka Rosa Sanjayyana and Yuyun Kurniawati. "Differences in Viewpoints Between East and West in the Evolution of MACROECONOMIC Theories." Jurnal Ekonomi Bisnis dan Manajemen 1, no. 1 (2023): 15–23. http://dx.doi.org/10.38204/ekobima.v1i1.1526.

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This article discusses mixed finance or Financial Blended which is always a topic every year in the Finance Track of the G20 Summit. Financial Blended has a crucial role in overcoming the infrastructure gap in countries, especially the member countries of the G20 Summit and generally globally. Initially the discussion on Financial Blended was not highly prioritized, but since the 12th G20 Summit in 2017 in Hamburg, Germany, the topic of Financial Blended has become a prioritized topic because infrastructure gaps are increasingly evident. From year to year, funds are disbursed either free of ch

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7

Abramova, M. A., S. V. Krivoruchko, O. V. Lunyakov, and A. B. Fiapshev. "Theoretical and Methodological Perspective on the Prerequisites of Emergence and Peculiarities of the Functioning of Decentralized Finance." Finance: Theory and Practice 29, no. 1 (2025): 80–96. https://doi.org/10.26794/2587-5671-2025-29-1-80-96.

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Existing studies of the problem of the emergence and development of decentralized finance (DeFi) are largely limited to non-principled clarification of certain positions and formulations, with emphasis on technical and technological innovations, far from the level of fundamental research. The authors set the task of theoretical understanding of the ongoing transformation processes in the financial sphere. The purpose of the study was to identify the conditions, driving forces and nature of the process of development of decentralized finance; to define DeFi and identify its sustainable features

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Pratiwi, Amelia, and Fauziah Rahmah. "ANALYSIS OF MEASUREMENT INDICATORS OF MEMBERS’ COOPERATIVE LITERACY IN ISLAMIC SAVINGS-LOAN AND FINANCING COOPERATIVES." Humanities & Social Sciences Reviews 8, no. 2 (2020): 699–707. http://dx.doi.org/10.18510/hssr.2020.8278.

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Purpose of the study: This study aims to investigate the measurement indicators used to measure the literacy rate for several Islamic cooperatives in D.I. Yogyakarta and to formulate an instrument to measure the cooperative literacy level of members and boards. Methodology: The purposive sampling method was applied to choose 14 Islamic cooperatives as samples. Data were collected by distributing questionnaires to members and boards. The measurement of literacy utilises six indicators, namely institutional identity (JDL), duties and obligations of the financial institutions (TDK), organis

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9

Khudyakova, L., and T. Urumov. "“Green” Finance in BRICS Countries." World Economy and International Relations 65, no. 9 (2021): 79–87. http://dx.doi.org/10.20542/0131-2227-2021-65-9-79-87.

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The article reviews the “green” financing policy in the BRICS countries. The analysis revealed that all of them have integrated “green” finance in their national strategies. Central banks and other financial regulators, ministries of ecology and finance, and especially development financial institutions (DFI) of these countries take an active part in establishing legislative framework for “green” finance and creating “green” infrastructure, though with different level of success. Analysis of the regulatory documents and statistical data proves the leading position of China. Thanks to its stric

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10

Oh, Suhyon. "The Landscape of OECD DAC Discussions on Financing for Development: Focusing on Development Financial Institutions (DFIs)." Journal of International Development Cooperation 14, no. 1 (2019): 55–78. http://dx.doi.org/10.34225/jidc.2019.1.55.

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11

Zhou, Zhanqiang, Yuehua Zhang, and Zhongbao Yan. "Will Digital Financial Inclusion Increase Chinese Farmers’ Willingness to Adopt Agricultural Technology?" Agriculture 12, no. 10 (2022): 1514. http://dx.doi.org/10.3390/agriculture12101514.

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Studies consider the impact of financial support on agricultural technology adoption, but do not consider the role of the rapidly evolving Digital Financial Inclusion (DFI). This study analyzes the impact of DFI on farmers’ willingness to adopt agricultural technology (WTAAT) using data from the China Labor-force Dynamics Survey and the Digital Financial Inclusion Index of Peking University, China. The results show that DFI significantly increases farmers’ WTAAT, consistent with the results of robustness tests. Moreover, the analysis of moderating effects shows that the contribution of DFI to

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12

Shalaev, Ilya Andreevich. "Analysis of the russian practice of information support innovative activity of financial and credit organizations in the field of cloud technologies." Mezhdunarodnaja jekonomika (The World Economics), no. 3 (March 1, 2021): 219–30. http://dx.doi.org/10.33920/vne-04-2103-05.

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This article is devoted to the analysis of the Russian practice of information support of innovative activities of fi nancial and credit organizations in the fi eld of cloud technologies. The role of cloud technologies in the banking sector is evaluated, which in the process of information technology modernization allow banking systems to quickly develop and launch new solutions and services. The results of the sociological survey «Defi nition of the concept of cloud technologies by employees of the banking sector» are presented. The task of considering the use of various types of clouds in cr

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13

Zhao, Chenxi. "The impact of digital financial inclusion on innovation in small and medium-sized enterprises." Highlights in Business, Economics and Management 24 (January 22, 2024): 2024–31. http://dx.doi.org/10.54097/z1fzg338.

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Small and medium-sized enterprises (SMEs)account for 95.68% of China's enterprise households and are important contributors to national development. The introduction of more policies aimed at the development of SMEs has demonstrated the importance of SMEs in terms of policy and strategy. Enterprise innovation is an extremely important part of enterprise development, but compared with medium and large enterprises, SMEs are vulnerable to financial constraints due to their single product, insufficient guarantees, and unbalanced allocation of external financial resources, resulting in a lack of fu

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14

Wibella, Nevvi, Idqan Fahmi, and Imam Teguh Saptono. "Factors Affecting Consumer Acceptance of Digital Financial Inclusion; An Anecdotal Evidence from Bogor City." Independent Journal of Management & Production 9, no. 4 (2018): 1338. http://dx.doi.org/10.14807/ijmp.v9i4.824.

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Various surveys have been conducted over the past few years indicating financial access in Indonesia is still not good. Digital Financial Inclusion (DFI) which is a digital access to use of formal financial services by underserved populations to solve those problems. The success of the DFI services were not only determined by the service provider, but also by the acceptance of the users. The TAM (Technology Acceptance Model) model offers a powerful and simple explanation of the factors that affect user acceptance of a technology. The main purpose of this study was to understanding consumer acc

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15

Zhang, Hua, Ying Li, Hanxiaoxue Sun, and Xiaohui Wang. "How Can Digital Financial Inclusion Promote High-Quality Agricultural Development? The Multiple-Mediation Model Research." International Journal of Environmental Research and Public Health 20, no. 4 (2023): 3311. http://dx.doi.org/10.3390/ijerph20043311.

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In order to balance the relationship between economics, society and environment, the Chinese government has stated that China’s economy should shift from high-speed growth to high-quality development. Since agriculture is the foundation of the national economy, high-quality development of agriculture plays significant roles in the achievement of food security, social stability and environmental sustainability in China. In practice, the expansion of digital financial inclusion (DFI) seems to provide valuable opportunities for the development of high-quality agriculture. Nevertheless, in theory,

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16

Эльяшев, Д. В. "Development of the institutional infrastructure of the market of digital financial assets." Учет и статистика 20, no. 4 (2024): 102–14. http://dx.doi.org/10.54220/4365.2023.85.18.009.

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Введение. В статье рассмотрено развитие институтов, составляющих инфраструктуру рынка цифровых финансовых активов (ЦФА): операторов информационных систем, в которых осуществляется выпуск ЦФА, и операторов обмена ЦФА. Актуальность работы заключается в повышенном интересе, который вызывает рынок ЦФА как один из новейших сегментов финансового рынка. Материалы и методы. Проанализировано существующее законодательное и нормативное регулирование рынка ЦФА, подробно рассмотрены правила зарегистрированных на сегодняшний день организаций рыночной инфраструктуры, опубликованные в открытых источниках. Пок

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17

Wen, Changcun, Yiping Xiao, and Bao Hu. "Digital financial inclusion, industrial structure and urban–Rural income disparity: Evidence from Zhejiang Province, China." PLOS ONE 19, no. 6 (2024): e0303666. http://dx.doi.org/10.1371/journal.pone.0303666.

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Rising income inequality challenges economic and social stability in developing countries. For China, the fastest-growing global digital economy, it could be an effective tool to promote inclusive development, narrowing urban–rural income disparity. It investigates the role of digital financial inclusion (DFI) in narrowing the urban–rural income gap. The study uses panel data from 52 counties in Zhejiang Province, China, from 2014 to 2020. The results show that the development of DFI significantly reduces rural–urban and rural income inequality. The development of DFI helps optimize industrial

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18

Petrov, Aleksandr. "TRANSFORMATION OF TRADITIONAL FINANCIAL INSTITUTIONS IN THE CONTEXT OF THE DEVELOPMENT OF DECENTRALIZED FINANCE (DEFI)." Russian Journal of Management 12, no. 4 (2025): 1–7. https://doi.org/10.29039/2500-1469-2024-12-4-1-7.

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This paper explores the transformation of traditional financial institutions under the impact of the development of decentralized finance (DeFi). It highlights how blockchain technology and DeFi are changing the way financial transactions are conducted, enabling transactions without traditional intermediaries such as banks. Key benefits, such as reduced transaction costs and increased accessibility to financial services, are discussed, while risks, including cryptocurrency volatility and smart contract vulnerabilities, are highlighted. Special attention is paid to the need for comprehensive le

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19

Quoc, Dinh Le, Thanh Tran Duy, Anh Nguyen Hoang Hai, and Hai Nguyen Van. "Unveiling the impact of digital financial inclusion and financial development on global unemployment: A Bayesian quantile regression approach." Edelweiss Applied Science and Technology 9, no. 4 (2025): 2862–76. https://doi.org/10.55214/25768484.v9i4.6664.

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This study investigates the impact of Digital Financial Inclusion (DFI) and Financial Development (FD) on Unemployment (UNE) across 112 countries from 2004 to 2022. Using the Bayesian Quantile Regression (BQR) method, the analysis reveals that DFI significantly reduces unemployment rates at all quantiles, including 0.1, 0.25, 0.5, 0.75, and 0.9. These findings suggest that DFI has a consistent and positive effect on lowering unemployment across different levels, making it an effective tool for tackling unemployment globally. In contrast, the impact of FD on unemployment is more nuanced. The st

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20

GUZIKOVA, Lyudmila A., and Natal’ya A. KIM. "Derivatives: Classification and Regulatory Issues." Finance and Credit 27, no. 8 (2021): 1813–27. http://dx.doi.org/10.24891/fc.27.8.1813.

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Subject. We investigate problems of development and regulation of derivative financial instruments (DFI) in Russia. Objectives. The purpose is to consider trends in the regulation of derivatives. Methods. The study draws on general scientific methods. Results. Based on the analysis of best practices, we confirm the need to regulate derivative financial instruments and identify major requirements for the regulation. The paper describes the history and current state of DFI regulation in Russia, analyzes the opinions of researchers and experts regarding the government intervention in the DFI mark

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21

Li, Qianqian, and Qilin Liu. "Impact of Digital Financial Inclusion on Residents’ Income and Income Structure." Sustainability 15, no. 3 (2023): 2196. http://dx.doi.org/10.3390/su15032196.

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Digital financial inclusion (DFI) plays an increasingly important role in raising residents’ income levels and optimizing income structures. Using data from the 2015–2019 China Household Finance Survey (CHFS), this paper examines the impact of DFI on residents’ income and income structure from a microeconomic perspective using OLS fixed effects models and panel Tobit models. It was found that (1) DFI significantly raises residents’ income, increasing their total annual per capita household income by CNY4200, and increasing their annual per capita household wage income, business income and prop

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22

Chen, Liuwu, and Guimei Zhang. "Research on the impact of digital financial inclusion and environmental regulation on industrial structure upgrading-based on spatial Durbin model analysis." PLOS ONE 19, no. 11 (2024): e0310720. http://dx.doi.org/10.1371/journal.pone.0310720.

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In the context of building a modern industrial system, digital finance inclusive (DFI) and environmental regulation (ER) have become significant drivers of industrial structure upgrading. Amid the rapid development of DFI and the tightening of ER, high-quality development goals have been set. From a spatial perspective, can DFI, ER, and their interactions positively impact China’s industrial structure? Based on panel data from 30 provinces in China from 2011 to 2020, empirical analysis is conducted using the Spatial Durbin Model and the Threshold Model. The study find that, firstly, in spatial

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23

KHUTOROVA, Natal'ya A., and Aleksei Yu DMITRIEV. "Barriers for institutional investors to invest in digital financial assets." Finance and Credit 30, no. 11 (2024): 2577–91. https://doi.org/10.24891/fc.30.11.2577.

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Subject. The article analyzes barriers to active involvement of institutional investors' funds in digital DFA in the Russian financial market. Objectives. The study aims at identification of the main barriers preventing the active involvement of institutional investors' funds in DFA, development of recommendations for their elimination. Methods. The study employs general scientific methods of research, logical, comparative, and statistical analysis to review foreign practice and academic publications of domestic and foreign authors. Results. We revealed three main groups of barriers. They are

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24

Zhou, Min, Hua Zhang, Zixuan Zhang, and Hanxiaoxue Sun. "Digital Financial Inclusion, Cultivated Land Transfer and Cultivated Land Green Utilization Efficiency: An Empirical Study from China." Sustainability 15, no. 2 (2023): 1569. http://dx.doi.org/10.3390/su15021569.

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Digital financial inclusion (DFI), characterized by digitalization and inclusiveness, has generally been recognized as a significant promoter of efficiency, effectiveness, and sustainability of agricultural production. Simultaneously, cultivated land green utilization efficiency (CLGUE), which is the significant guarantees of food security, social stability and environmental protection, has attracted increasing attention in the recent decades. In practice, DFI seems to be a vital antecedent of the improvement of CLGUE. However, in the academic field, research on whether and how DFI can affect

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25

Dluhopolskyi, Oleksandr, Olena Pakhnenko, Serhiy Lyeonov, et al. "Digital Financial Inclusion: COVID-19 Impacts and Opportunities." Sustainability 15, no. 3 (2023): 2383. http://dx.doi.org/10.3390/su15032383.

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The COVID-19 pandemic has caused the acceleration of digitization and the consideration of digital financial inclusion as a means to minimize negative economic consequences and increase the resilience of households and SMEs. The purpose of this article was to assess the impact of the COVID-19 pandemic on digital financial inclusion by constructing and calculating an integral index of digital financial inclusion (DFI) based on Global Findex Database indicators. The approach to calculating the DFI index and two sub-indices that characterized passive participation in financial relations and activ

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26

Wang, Xiuhua, and Yang Fu. "Digital financial inclusion and vulnerability to poverty: evidence from Chinese rural households." China Agricultural Economic Review 14, no. 1 (2021): 64–83. http://dx.doi.org/10.1108/caer-08-2020-0189.

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PurposeDigital finance has the transformative power to realise financial inclusion. However, evidence on the relationship between digital finance and poverty reduction remains limited. This study examines the mitigating effects of digital financial inclusion (DFI) on vulnerability to poverty in rural China, explores potential mechanisms at the micro-level, and investigates the external conditions for DFI to validate these effects.Design/methodology/approachRural household data from the China Labour Force Dynamics Survey and the regional DFI index compiled by Peking University are used. The pro

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27

Погосян, А. А. "On the issue of decentralized finance (DeFi) mechanisms and the impact of DeFi on traditional financial institutions and the development of financial relations." Industrial Economics, no. 4 (September 11, 2024): 36–45. http://dx.doi.org/10.47576/2949-1886.2024.4.4.005.

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В статье уточнены теоретико-методологические положения по поводу механизмов децентрализованного финансирования (DeFi) и влияния DeFi на традиционные финансовые институты и развитие финансовых отношений. Раскрыто соотношение традиционного и цифрового финансирования, представлены ключевые определения. Обоснованы современная архитектура децентрализованного финансирования, экономический механизм дезинтермедации в системе DeFi через элиминацию посреднических рисков. Описаны возможности децентрализованного финансирования для экономического развития, обращено особое внимание на его влияние на повышен

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28

Безрукова, Е., E. Bezrukova, Л. Шмарова, and L. Shmarova. "Credit Institutions Financial Statements Audit in Russian Federation." Auditor 5, no. 2 (2019): 15–21. http://dx.doi.org/10.12737/article_5c6cfdc858a1d6.77812040.

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Th e paper deals with current trends in the development of the credit institutions’ fi nancial statements audit in the Russian Federation. Th e authors deal with the issues of vesting the Central Bank of Russia with powers in the fi nancial institutions auditing field, as well as dwell on the analysis of the provisions defi ning the features of the credit institutions’ fi nancial statements audit at each stage of the audit assignment included in the “Methodical recommendations on credit institutions’ financial statements audit” approved by the Audit Council under the Ministry of Finance of Rus

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MIRDALA, Rajmund. "Revolutionizing Finance: Decentralized Finance as a Disruptive Challenge to Traditional Finance." Theoretical and Practical Research in Economic Fields 15, no. 3 (2024): 517. http://dx.doi.org/10.14505/tpref.v15.3(31).02.

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This paper examines the emergence and impact of Decentralized Finance (DeFi), between 2019 and 2024, as a disruptive agent opposing traditional finance (TradFi). By using blockchain technology to offer decentralized, open, and readily available financial services, the DeFi industry has seen explosive expansion Emphasizing DeFi's competitive advantage over TradFi, this study aims to investigate notable trends, developments, and market drivers in the toolkit. The main conclusions are the fast and significant rise in Total Value Locked (TVL), the clear increase in user adoption, the expansion in

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Arora, Simran Dev. "Decentralized Finance (DeFi) and Its Impact on Traditional Financial Institutions: A Paradigm Shift in Banking and Investment." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem45539.

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Abstract The rise of Decentralized Finance (DeFi) is revolutionizing the financial sector by leveraging blockchain technology to offer alternatives to traditional banking, lending, and investment mechanisms. By eliminating intermediaries, DeFi facilitates peer-to-peer transactions through smart contracts and decentralized applications (dApps), enhancing efficiency, transparency, and financial inclusion. This paper explores the fundamental components of DeFi, including decentralized exchanges (DEXs), lending platforms, stablecoins, and yield farming, while assessing their implications for conve

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Hussain, Shabir, and Sameer Gupta. "Conceptualising the Moderating Role of Digital Financial Literacy on the Relationship between Digital Financial Services Usage and Digital Financial Inclusion." International Journal of Banking, Risk and Insurance 13, no. 2 (2025): 26–39. https://doi.org/10.21863/ijbri/2025.13.2.002.

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Technological advancement has led to the digitalisation of business activities in the financial services industry, bridging the physical and virtual realms. Consequently, financial services have transitioned to digital platforms, which are now referred to as digital financial services (DFS). However, several determinants hinder the adoption of DFS, which can subsequently impact digital financial inclusion (DFI). Moreover, society has observed a fundamental transformation in the realm of financial literacy (FL), with the emergence of a new concept known as ‘digital financial literacy’ (DFL). Gi

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32

Hussaini, S. M. Qasim, Samuel Rosner, Erica C. Nakajima, et al. "Innovation in recruitment and curricular design for diversity, equity, and inclusion (DEI) education for hematology-oncology (HO) trainees." Journal of Clinical Oncology 40, no. 28_suppl (2022): 179. http://dx.doi.org/10.1200/jco.2022.40.28_suppl.179.

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179 Background: Alongside persistent disparities in healthcare outcomes in HO, there is an inability to adequately recruit, maintain and promote a diverse and inclusive work force nationwide. To our knowledge, a structured approach to DEI education/recruitment in HO training is lacking. We sought to establish a longitudinal curriculum aimed at educating HO trainees in structural barriers impacting cancer equity and developing tools to enhance Underrepresented in Medicine (URiM) recruitment. Methods: Trainee-led DEI framework was presented to program leadership and officially adopted into the c

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Mashrur, Faisal Ahmed. "Role of Digital Financial Inclusion on Economic Growth: Evidence from South Asian Countries." International Journal of Economics, Business and Management Research 08, no. 12 (2024): 91–101. https://doi.org/10.51505/ijebmr.2024.81207.

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This study examines the role of digital financial inclusion (DFI) in fostering economic growth across three South Asian countries: Bangladesh, Pakistan, and Nepal. Utilizing data from the World Bank and the IMF, the Generalized Method of Moments (GMM) has been employed to analyze the impact of DFI on GDP growth. The findings demonstrate that a one-unit increase in the Digital Financial Inclusion Index causes a 48.32-unit increase in GDP per capita, demonstrating digital financial services' crucial role in enhancing economic productivity. The study also considers the influence of several econom

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Романова, А. М., and С. И. Матюшенко. "Derivatives as a means of optimizing a portfolio of securities." Экономика и предпринимательство, no. 1(138) (April 15, 2022): 688–95. http://dx.doi.org/10.34925/eip.2022.138.1.137.

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Объектом исследования данной работы является российский рынок производных финансовых инструментов (ПФИ). В работе проведен статистический анализ современного российского рынка ПФИ, построена имитационная модель ценообразования на рынке акций, рассмотрены различные примеры применения ПФИ для снижения рисков портфельных инвестиций. В итоге сложный и важный с практической точки зрения материал изложен в доступной форме с простыми и актуальными примерами, понятными аудитории, не имеющей серьезной подготовки в области стохастического финансового анализа. Вероятно, это способствует увеличению числа

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Zhironkin, Sergey A., Lenar N. Safiullin, Mariya E. Konovalova, and Olga Yu Kuzmina. "Development of the market of digital financial assets in the context of ensuring financial sovereignty of Russia." Digital Economy & Innovations, no. 3 (September 30, 2024): 29–40. http://dx.doi.org/10.18323/3034-2074-2024-3-58-3.

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Currently, in the context of limited external funding, the issues of forming the financial sovereignty of the country are becoming the subject of scientific discourse among Russian economists. The introduction of digital financial assets (DFA) into business practice and their legislative recognition largely ensures the expansion of investment opportunities for economic entities, which will contribute to the end of the stagnant macroeconomic shock of the period of 2021–2024. The work covers solving such scientific problems as clarifying the essential nature of DFA and developing their classific

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Ogunmolu, Akinde Michael, Emonena Patrick Obrik-Uloho, Oluwaseun Oladeji Olaniyi, Aisha Temitope Arigbabu, and Oluwatobi Bamigbade. "Cyber Risk Spillovers in Interconnected Financial Ecosystems: Evidence from Traditional Banks and DeFi Oracles." Journal of Engineering Research and Reports 27, no. 7 (2025): 106–26. https://doi.org/10.9734/jerr/2025/v27i71565.

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This study investigates the systemic propagation of cyber risks between traditional financial institutions (TradFi) and decentralized finance (DeFi) infrastructures, focusing on oracles as critical conduits for contagion. Using publicly available datasets—including MITRE ATT&CK® for Financial Services, the Global Cybersecurity Index (GCI), and the REKT.news exploit archive—the study applies frequency analysis, logistic regression, time-series event studies, and Principal Component Analysis with cluster modeling to quantify institutional vulnerabilities, model breach likelihood, and evaluat

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Khriashchova, D. "The place and significance of the ecosystem of decentralized financial instruments in the international financial market." Bulletin of V. N. Karazin Kharkiv National University Economic Series, no. 107 (December 30, 2024): 76–85. https://doi.org/10.26565/2311-2379-2024-107-07.

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Introduction. This article explores the emerging role and importance of decentralized finance (DeFi) within the global financial landscape. It analyzes how blockchain-based financial instruments are reshaping traditional financial services and creating new opportunities for inventors and users worldwide. Summary of the main results of the study. The study begins by examining the core principles of DeFi, including its decentralized nature, transparency, and programmability. It then delves into the various components of the DeFi ecosystem, such as decentralized exchanges, lending platforms, and

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Rehman, Nadeem Ur, and Kiran fatima. "Is Digital Financial Inclusion Valuable to Banks' Profitability and Long-Term Economic Development? Developing Asia Indications." Scandic Journal Of Advanced Research And Reviews 2, no. 3 (2022): 039–69. http://dx.doi.org/10.55966/sjarr.2022.2.3.0042.

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he current study was an attempt to examine and ensure the existence of relationship between digital financial inclusion and banks economic stability and the importance of DFI for banking organizations of Asian countries. The current study incorporated data from six different countries and sixty-five banks primarily Islamic banks, as Islamic banking system has proved itself reliable in the times of DFC of 2007-09 and their contribution to improve and stable the global economy during and after the financial crises of 2007-09 and Covid-19.

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Nguyen, Hien Anh, Duc Hoang Le, and Thanh Tam Le. "Financial inclusion and bank risk-taking in Southeast Asia: A comprehensive analysis of traditional and digital dimensions." International Journal of Innovative Research and Scientific Studies 8, no. 5 (2025): 364–77. https://doi.org/10.53894/ijirss.v8i5.8669.

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This paper aims to examine the impact of both traditional financial inclusion (FI) and digital financial inclusion (DFI) on bank risk-taking, particularly in the context of Southeast Asia, where this relationship remains ambiguous. Financial inclusion plays a crucial role in advancing the 17 UN Sustainable Development Goals by enhancing livelihoods, reducing poverty, and stimulating economic growth. However, its implications for financial stability are still under debate, especially with the rapid emergence of digital financial services. This research collected data from 76 commercial banks ac

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Altynov, Yuri А. "INSTITUTIONAL FOUNDATIONS FOR THE CREATION AND FUNCTIONING OF FINANCIAL METAVERSES IN THE PUBLIC SECTOR." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5/1, no. 137 (2023): 81–87. http://dx.doi.org/10.36871/ek.up.p.r.2023.05.01.008.

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The article discusses the institutional aspects of the creation and functioning of financial metauniverses, including the directions of their development in the public sector. The role of NFT and decentralized finance (DeFi) in the scalability of financial metaverses was assessed. The basic roles of the state in the processes of formation of financial metauniverses have been determined and general recommendations have been prepared for approbation of digital finance tools in the activities of executive authorities.

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Shakirova, Yulduz Saydalievna. "MODERN BANKING SYSTEM: DEFI MODELS IN THE CAPITAL MARKET." Nazariy va amaliy tadqiqotlar xalqaro jurnali 2, no. 11 (2022): 208–14. https://doi.org/10.5281/zenodo.7391458.

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<em>Modern economic trends and frequent crisis phenomena have revealed imperfections in financial market regulation models, led to a reassessment of the effectiveness of national monetary authorities and, ultimately, led to a revision of approaches to crisis management and prevention of "collapses" of systemically important financial institutions. The article discusses some issues of modern banking technologies. It is proved that in order to accelerate the development of the country's system, credit institutions will increasingly use systems such as LoanWolf for fast, inexpensive

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Nikolić, Ljubica. "Modern financial technologies and traditional banking." Zbornik radova Pravnog fakulteta Nis 62, no. 100 (2023): 125–42. http://dx.doi.org/10.5937/zrpfn0-47158.

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Contemporary financial technologies (FinTech) have revolutionized the world of finance, improved the operations of traditional financial institutions and created a new environment in which banks are no longer the only providers of financial services. Today, competition in the banking sector includes banks' competition with new FinTech companies and digital decentralized financial (DeFI) sectors. In the future, the financial sector will generate new technological innovations, trust in traditional (TradFi) and decentralized financial (DeFi) sectors, as well as a new attitude of monetary authorit

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Umarov, Husan S. "Opportunities and potential risks of the DeFi ecosystem." Vestnik Tomskogo gosudarstvennogo universiteta. Ekonomika, no. 67 (2024): 336–57. http://dx.doi.org/10.17223/19988648/67/20.

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The prospects for the widespread introduction of decentralized finance into global financial markets are analyzed. The aim of the study is to consider the opportunities provided to users and investors by the DeFi ecosystem (decentralized finance), and the potential risks of implementing services, applications, protocols based on decentralized financial instruments in both foreign and Russian financial markets. With the help of the theoretical (analysis, synthesis, abstraction) and empirical (comparison, observation) research methods, opinions of leading domestic and foreign experts on the inno

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Neuman, H., A. Patel, C. Hanlon, et al. "A single-institution validation of the AJCC staging system for stage IV melanoma." Journal of Clinical Oncology 25, no. 18_suppl (2007): 8517. http://dx.doi.org/10.1200/jco.2007.25.18_suppl.8517.

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8517 Background: We sought to validate the AJCC staging system for stage IV melanoma in a contemporary, prospective, single- institution cohort and explore additional clinical factors that may influence prognosis. Methods: A prospective institutional database identified 1319 patients with stage IV melanoma. To minimize tertiary center referral bias, only patients seen prior to a stage IV diagnosis were included (n=687). Variables were dichotomized: lactate dehydrogenase (LDH) (=200, >200), number of metastases (1, >1), and number of involved organs (1, >1). Kaplan-Meier curves were ge

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Winkler, Adalbert. "Financial Sector Development and Financial Institution Building in Albania." Comparative Southeast European Studies 49, no. 9-10 (2000): 474–502. http://dx.doi.org/10.1515/soeu-2000-499-1004.

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OSAYI, Valentine Igbinedion Ph.D1* DANJI Godiya2. "Financial Development and Economic Growth in Nigeria." ISRG Journal of Economics, Business & Management (ISRGJEBM) II, no. I (2024): 86–93. https://doi.org/10.5281/zenodo.10690733.

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<em>The study examined impact of financial development on economic growth in Nigeria from 1980-2020. The study decomposed financial development into three measurable variables as Financial Institution’s Depth (FID), Financial Institution’s Access (FIA) and Financial Institution’s Efficiency (FIE) while economic growth was measured by Gross Domestic Product (GDP). The study utilized ex post facto research design with secondary data extracted from the Central Bank of Nigeria (CBN) Statistical bulletin for various years and International Monetary Fund (IMF) data base. The said d

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Masse, Rahman Ambo, and Andi Aderus. "The Model Investment Management of Cash Waqf." DIKTUM: Jurnal Syariah dan Hukum 20, no. 2 (2022): 204–27. http://dx.doi.org/10.35905/diktum.v20i2.3327.

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This study aims to analyze the management of waqf through money and its implications for the development of social institutions in the Muslim community. The research departs from the phenomenon of cash waqf management in Nazhir waqf which is not in accordance with the mandate of the legislation, namely cash waqf must be managed and invested in Islamic financial institutions. This study uses a qualitative method (qualitative method) with a phenomenological approach. The data were obtained through in-depth interviews and documents on Baitul Maal Muamalat, LAWAZIS DDI, Yatim Mandiri, and LAZISNU

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Anh, Nguyen Cao, and Thai Hong Thuy Khanh. "Measuring A Composite Financial Inclusion Index in Lower-Middle Income Countries." International Journal of Religion 5, no. 12 (2024): 121–34. http://dx.doi.org/10.61707/3eynqq73.

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This study suggests a composite index of financial inclusion (FI) for financial development, based on three key dimensions: penetration, availability, and usage in lower-middle income countries. The methodology uses principal component analysis PCA to exploit a composite index of financial inclusion and test its impact of new components on financial development. On the secondary data of financial access from the sources of FAS-IMF and WB-Findex, the research result is found that there are two new components of overall financial inclusion: the traditional financial inclusive index (TFI) include

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Tripathi, Sabyasachi, and Meenakshi Rajeev. "Gender-Inclusive Development through Fintech: Studying Gender-Based Digital Financial Inclusion in a Cross-Country Setting." Sustainability 15, no. 13 (2023): 10253. http://dx.doi.org/10.3390/su151310253.

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Financial inclusion (FI) for vulnerable populations, such as women, is critical for achieving gender equality, women’s empowerment, and thereby, inclusive growth. Sustainable development goal 5 considers gender equality as a fundamental right and views the empowerment of women as a necessary step. Access to finance is a significant means to empower a person. In this regard, the use of digital financial services is of particular significance for women as it allows them easier access to financial products for business and household needs. For implementing policies to reduce financial exclusion o

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Schutz, F. A., R. N. Younes, J. A. Borges, and J. L. Gross. "Osteosarcoma pulmonary metastasis: Prognostic factors of 88 patients submitted to surgical resection." Journal of Clinical Oncology 25, no. 18_suppl (2007): 20502. http://dx.doi.org/10.1200/jco.2007.25.18_suppl.20502.

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20502 Background: Pulmonary metastasis from Osteosarcoma occurs in 30% to 40% of cases. Chemotherapy and surgical resection are the current preferred options for these patients, although overall outcome remains poor, with few patients achieving long term overall survival. Prognostic factors for better selecting these patients are needed. Methods: We reviewed the survival and the prognostic factors from 88 consecutive patients with pulmonary metastasis from osteosarcoma, submitted to metastasectomy at a single institution. Clinical and demographic variables, related to the primary tumor as well

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