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Journal articles on the topic 'Financial and credit services'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

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1

Рopelo, Olha V., Olena O. Tarasenko, and Maksym V. Dubyna. "Customization of Credit Institutions’ Services." Business Inform 8, no. 559 (2024): 372–78. http://dx.doi.org/10.32983/2222-4459-2024-8-372-378.

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The article is devoted to the study of customization of services of credit institutions and features of their implementation. IT solutions have been proven to change the way businesses are organized and communicated with customers. Among the promising areas of such innovations in the financial sphere, financial software solutions aimed at customizing the services of credit institutions are allocated. It is argued that the trend towards customization of services is relevant for the financial industry, credit institutions are interested in the development of personalized services and a customer-

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2

Ms., Ritika Gupta, and Keshav Gupta Dr. "INFORMATION TECHNOLOGY IN MICRO FINANCIAL SERVICES IN INDIA." International Journal of Marketing & Financial Management 3, no. 11 (2015): 38–48. https://doi.org/10.5281/zenodo.10811482.

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<strong>ABSTRACT </strong>   Microfinance means providing very poor families with very small loans (micro credit) to help them engage in productive activities /small businesses. Over time, microfinance has come to include a broader range of services (credit, savings, insurance, etc.). the poor and the very poor who lack access to traditional formal financial institutions require a variety of financial products. In order to enable the poor people to access credit , there is a need to strengthen all the available channels of providing credit to the poor. such as Micro Finance Institutions ,

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3

Kozmenko, Serhiy, and Victoria Roienko. "Ensuring financial inclusion through insurance companies and credit unions." Insurance Markets and Companies 7, no. 1 (2016): 6–10. http://dx.doi.org/10.21511/imc.7(1).2016.01.

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The article analyzes modern tendencies and broadening dynamics of insurance companies’ and credit unions’ services in terms of world regions. The correlation analyses for finding lag relation between access broadening to the insurance companies’ and credit unions’ services and financial and economic parameters is held. The distribution-lag models for force and direction interrelation between access level to non-banking financial services and financial and economic regions development are elaborated. Keywords: financial inclusion, insurance company, credit union, lag, economic growth, regressio

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Lavryk, Oleksandr. "Credit and financial mediation." Economic Analysis, no. 33(2) (2023): 150–55. http://dx.doi.org/10.35774/econa2023.02.150.

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Introduction. The article is devoted to the study of the theoretical and methodological aspects of the analysis of the innovative strategy of credit creation by financial intermediaries, the analysis of the current state and prospects of its development, and the developed areas of improvement of the modern strategy of creation of credit by financial intermediaries in the conditions of the development of Ukraine. The work examines the content and features of the activity of credit created by financial intermediaries, provides a description of the methods of quantitative analysis of its current

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., Gustriani, Imam Asngari, Suhel ., and Ana Yulianita. "Determinants of Financial Inclusion for MSMEs: Evidence from Indonesia." Journal of Economics, Business, & Accountancy Ventura 26, no. 2 (2023): 122. http://dx.doi.org/10.14414/jebav.v26i2.3381.

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Enhancing the financial sector is paramount, as it can bolster public trust in financial institutions and consequently expand financial inclusion, particularly within the MSMEs sectors. This study employs the ARCH Maximum Likelihood Model to examine the impact of the banking industry’s financial soundness and macroeconomic conditions on the financial inclusion of MSMEs. The financial soundness of banks is gauged through pertinent financial metrics, including capital adequacy, profitability, credit risk, and liquidity. Moreover, the financial inclusion metric employs the count of account credit

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Yuvaraj K, Mr. "A Study on Financial Performance of Bank Using Financial Ratios Towards SBI." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44140.

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The banking system is made up of financial institutions like credit unions and banks that provide a variety of financial services to individuals, companies, and governmental entities. The main functions of these services are deposit taking, loan disbursement, transaction processing, and provision of various financial goods, including credit cards, loans, and savings accounts. Because it makes it easier for money to move around and supports economic activity, banking is important to the economy. Banking has an indirect or direct impact on every person's daily life as well as the trade of a nati

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Yuvaraj K, Mr. "A Study on Financial Performance of Bank Using Financial Ratios Towards SBI." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44167.

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The banking system is made up of financial institutions like credit unions and banks that provide a variety of financial services to individuals, companies, and governmental entities. The main functions of these services are deposit taking, loan disbursement, transaction processing, and provision of various financial goods, including credit cards, loans, and savings accounts. Because it makes it easier for money to move around and supports economic activity, banking is important to the economy. Banking has an indirect or direct impact on every person's daily life as well as the trade of a nati

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8

Panasyuk, I. S. "Provision of financial services by credit unions in Ukraine as an object of criminal research." Analytical and Comparative Jurisprudence, no. 2 (April 28, 2025): 871–76. https://doi.org/10.24144/2788-6018.2025.02.128.

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The article examines the issue of the provision of financial services by credit unions in Ukraine as an object of criminological research. The development of the financial sector, entrepreneurship and the competitive environment in Ukraine contributes to changes in all components of the financial market, in particular the financial services market. It is outlined that financial services are a transaction or several transactions related to one legal purpose, with financial means, carried out in the interests of persons other than the provider of such a financial service, as well as services dir

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Shittu, Adenike Kudirat. "Advances in AI-driven credit risk models for financial services optimization." International Journal of Multidisciplinary Research and Growth Evaluation 3, no. 1 (2022): 660–76. https://doi.org/10.54660/.ijmrge.2022.3.1-660-676.

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The rapid evolution of artificial intelligence (AI) has significantly transformed credit risk modeling, enhancing the efficiency and accuracy of financial services optimization. Traditional credit risk models, often reliant on static data and simplistic statistical techniques, are increasingly being replaced by AI-driven systems that integrate machine learning algorithms, big data analytics, and real-time insights. These advanced models enable financial institutions to assess creditworthiness with greater precision by analyzing diverse datasets, including transaction histories, behavioral patt

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10

Lavryk, Oleksandr. "Credit mechanism in financial mediation." Economic Analysis, no. 34(2) (2024): 124–29. http://dx.doi.org/10.35774/econa2024.02.124.

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Introduction. The article is devoted to the study of the theoretical and methodological aspects of the analysis of the strategy of the operation of the credit mechanism, the analysis of the current state and prospects for its development, and the directions for improving the modern strategy of creating a credit mechanism by financial intermediaries in the conditions of the development of Ukraine. The work examines the content and peculiarities of the activity of the credit mechanism created by financial intermediaries, provides a description of the methods of quantitative analysis of its curre

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11

Ruska, Ruslana. "EVALUATION POSITIONS OF CREDIT UNIONS IN THE WORLD MARKET OF FINANCIAL SERVICES." Vol 16, No 2 (2017) 16, no. 2 (2017) (2017): 197–212. http://dx.doi.org/10.35774/jee2017.02.197.

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Credit unions have been functioning on the financial market of Ukraine for more than twenty years, and necessity of their existence is still questionable. Imperfect system which controls credit unions in our country often leads to distorted activity. Investigating the uniqueness of the world credit unions and basic principles of their activity stipulated the necessity of a completely new approach to the evaluation of credit unions positions in the world market of financial services. Due to the analysis of penetration it is educed that credit unions embrace a substantial financial market share

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12

Didenko, Liudmyla, Inna Kobzar, and Iryna Khanaliieva. "ANALYSIS OF NON-BANK FINANCIAL INSTITUTIONS ACTIVITY AS PARTICIPANTS OF MODERN FINANCIAL SERVICES MARKET." Economic Analysis, no. 28(4) (2018): 88–94. http://dx.doi.org/10.35774/econa2018.04.088.

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Banking system, that is, the National Bank of Ukraine, other banks and branches of foreign banks operating in the country, is the basis of the Ukrainian credit system. However, non-bank financial and credit institutions play an important role in the financial services market. Today they provide quite a wide range of services and thus become serious competitors for banks. Therefore, the study of the peculiarities of the activities of non-bank financial and credit institutions and their role in the economic growth of the state is an urgent problem for investigation. The article assesses the acti

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13

Barnett, William A., and Liting Su. "FINANCIAL FIRM PRODUCTION OF INSIDE MONETARY AND CREDIT CARD SERVICES: AN AGGREGATION THEORETIC APPROACH." Macroeconomic Dynamics 24, no. 1 (2018): 130–60. http://dx.doi.org/10.1017/s1365100518000767.

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A monetary production model of financial firms is employed to investigate supply-side inside-money aggregation, augmented to include credit card transaction services. Inside money is a supply-side concept. Financial firms are conceived to produce monetary and credit card transaction services as outputs through financial intermediation. While credit cards provide transactions services, credit cards have never been included into measures of the money supply. The reason is accounting conventions, which do not permit adding liabilities to assets. However, index number theory measures service flows

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14

Kokorev, Rostislav, Tatyana Plotnikova, Anna Solodukhina, Irina Surkova, and Sergey Trukhachev. "Information asymmetry on financial market and protection of credit services consumers’ rights in the Russian Federation." Moscow University Economics Bulletin 2015, no. 6 (2015): 17–39. http://dx.doi.org/10.38050/01300105201562.

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The article is based on the results of the monitoring of financial services consumers’ rights protection, held within the framework of the joint project «Financial Education and Financial Literacy»оf the Russian Мinistry of Finance and the World Bank. The results show the influence of information asymmetry on consumers’ and financial organizations’ behavior in the retail credit market (broken into such segments as consumer credits, mortgages, car credits, microfinance lending). The paper identifies the most serious violations of consumers’ rights provoked by the asymmetry and offers recommenda

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15

Sadiku, Matthew Nojimu Olanipekun, Samuel Abiola Ajayi, and Janet Oluyinka Sadiku. "Cybersecurity in Financial Services." Path of Science 11, no. 4 (2025): 6007. https://doi.org/10.22178/pos.116-21.

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Financial institutions handle a lot of money and sensitive data, making them an attractive target for cybercriminals. The safety of digital financial assets makes the finance industry very vulnerable to cyber-attacks. Banks, investment, and insurance firms are always pleasing to cybercriminals with increasingly evolving attack methods. From ransomware attacks to insider threats, the risks are diverse and ever-evolving. Cybersecurity in the financial industry refers to the practices, technologies, and processes used to protect financial institutions (such as banks, credit unions and investment

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16

Whymark, John. "Benchmarking and credit risk management in financial services." Benchmarking for Quality Management & Technology 5, no. 2 (1998): 126–37. http://dx.doi.org/10.1108/eum0000000004492.

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17

Birkenmaier, Julie, and Sabrina Watson Tyuse. "Affordable Financial Services and Credit for the Poor." Journal of Community Practice 13, no. 1 (2005): 69–85. http://dx.doi.org/10.1300/j125v13n01_05.

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18

Kruglova, Olha, and Stanislav Popko. "Characteristics of the bank's credit line as a variety of financial service." Naukovyy Visnyk Dnipropetrovs'kogo Derzhavnogo Universytetu Vnutrishnikh Sprav 1, no. 1 (2021): 119–24. http://dx.doi.org/10.31733/2078-3566-2021-1-119-124.

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The article analyzes the development of the financial services market in the global financial crisis. Due to the influence of modern civilized culture of developed European countries, the demand for credit and credit services has increased and needs adjustment, preventive regulation, because society does not have the skills to forecast and take into account economic changes in the country and the world as a whole. However, the financial awareness and legal awareness of consumers of banking services is generally not high, which is the reason for inadequate initiatives and improper implementatio

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19

Mahila, Syarifa, Abdul Hariss, Maryati Maryati, and Nur Fauzia. "Legal Protection of Banks That Give Business Capital Credit Without Collateral." Jurnal Bina Mulia Hukum 8, no. 2 (2024): 296–306. https://doi.org/10.23920/jbmh.v8i2.1361.

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This research aims to analyze legal considerations for business credit without collateral and analyze legal protection for banks that provide business credit without collateral. The research method used in this research is normative juridical. The results of the research show that business credit providers have legal protection if business credit without collateral is carried out through preventive protection, which of course requires a formula based on the contents of credit agreement that has been determined and must be implemented if a default occurs. There is a need for the contents of agr

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20

Stanley, Nicklaus, Cliff Kohardinata, Luky Patricia Widianingsih, Yopy Junianto, Anastasia Filiana Ismawati, and Evi Thelia Sari. "IS P2P LENDING EMERGING AS A NEW THREAT TO BANK CREDITS?" Journal of Accounting, Entrepreneurship and Financial Technology (JAEF) 6, no. 1 (2024): 1–16. https://doi.org/10.37715/jaef.v6i1.4630.

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The emergence of fintech is one of the newest business models in the financial sector. One of fintech’s service products is P2P platforms. Since the P2P platform first emerged, it has experienced drastic and significant changes. The banking sector, which distributes credits to consumers in the form of working capital credit, consumption credit, and investment credit, has a major contribution to Indonesia’s economic growth and must be cautious of the significant growth of P2P lending. This empirical study aims to examine the impact of P2P lending on working capital credit, consumption credit, a

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21

Bincy, George 1., and K.T.Thomachan. "FINANCIAL INCLUSION AND WOMEN EMPOWERMENT: A GENDER PERSPECTIVE." International Journal of Research - Granthaalayah 6, no. 5 (2018): 229–37. https://doi.org/10.5281/zenodo.1270189.

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This paper examines women empowerment associated with financial inclusion. Financial inclusion is delivery of banking services at an affordable cost to the vast sections of disadvantaged and the low-income groups. The various financial services include access to saving, credit, insurance, bank account etc. The access to financial services helps women in their social and economic development. It is noted that access to financial service through financial inclusion do have impact upon the social and financial empowerment of women leading to their overall empowerment.

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22

Suhidayat, Tatang, and Azhar Affandi. "Analisis Kepuasan Nasabah yang dipengaruhi Nilai Pelanggan dan Kepercayaan Pelanggan serta Kualitas Pelayanan." Jurnal Ilmiah Manajemen Kontigensi 6, no. 1 (2018): 35–48. https://doi.org/10.5281/zenodo.3382171.

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Banking services are financial institutions as intermediation in financial services. It plays an essential role in enhancing the company's operational activities. People's credit bank, which is a financial service, contributes to the development of small and medium enterprises. Competition in financial services, especially people's credit banks, which is increasingly stringent requires increasing the quality of their services to increase their customer satisfaction. This study aims to determine the effect of service quality on customer value and trust as well as its implications on

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23

IKENGA, Veronica Uche, Governor Ekene OYITA, and Theophilus Miebi GBIGBI. "Prospects and challenges of agricultural financing in Nigeria: A review." GSC Advanced Research and Reviews 18, no. 3 (2024): 388–99. https://doi.org/10.5281/zenodo.11217580.

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This paper examined the prospects and challenges of agricultural financing in Nigeria. It was observed that agricultural financing is all about providing services to the farmers who are traditionally not served by the conventional financial institutions. Agricultural financing holds a lot of prospects for Nigerians especially the poor as it will enable them develop their skills, engage in production and many others. Among the problems identified are access to banking services in rural communities, lack of acceptable collateral/ security, perceived high agricultural risk, lack of access to cred

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Imam Safi'i and Faishal Fadli. "PENGARUH JUMLAH KREDIT DAN PEMINJAM TERHADAP STABILITAS SISTEM KEUANGAN PADA FINTECH PEER TO PEER LENDING TAHUN 2019 SAMPAI 2022." Contemporary Studies in Economic, Finance and Banking 3, no. 1 (2024): 63–71. http://dx.doi.org/10.21776/csefb.2023.03.1.06.

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This study aims to determine the effect of credit and the number of borrowers in Fintech P2PL services on financial system stability from 2019 to 2022. The source of research data comes from secondary data, which comes from fintech statistics found on the Financial Services Authority (OJK) website. The research uses a quantitative approach with time series data analysis using Ordinary Least Square (OLS). The results of the study show that Fintech credit has a positive but not significant effect on financial system stability. The number of borrowers in P2PL fintech services as a form of financi

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Zaini, Zulfi Diane, and Lukmanul Hakim. "CONTROLLING THE IMPLEMENTATION PRUDENTIAL PRINCIPLES IN BANKING LANDING BY FINANCIAL SERVICES AUTHORITY." Tadulako Law Review 3, no. 1 (2018): 57. http://dx.doi.org/10.22487/j25272985.2018.v3.i1.10231.

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Sources of collection of banking funds collected from the community are then distributed to the community in the form of credit. If the amount of funds disbursed by the bank to the community through credit are not refundable in accordance with the term has been agreed, the credit quality can be classified as non-performing loans or often referred to as Non Performing Loan (NPL). The impact of high NPL levels is disrupted by the liquidity of each banking institution.Research Objectives are: (1) To analyze the supervision of the application of prudential principles in the provision of bank credi

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Hesti, Werdaningtyas, Alam Awirya Agni, Azifah Dienillah Azka, and Idzni Igawati Cahya. "Household Debt Behavior and Response to Interest Rates and LTV Policy." Economics and Business Quarterly Reviews 5, no. 3 (2022): 41–53. https://doi.org/10.31014/aior.1992.05.03.434.

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Household debt has a significant role in influencing financial stability. This study aims to determine the impact of household characteristics and interest rates on household credits. Furthermore, determine the impact of the amount of LTV policies on interest rates on growth and potential risks of home loans and household credits. The study uses data from the Financial Services Authority (OJK), namely Financial Institution Information System, and data Household Balance Survey from 2017 to 2019. This study uses two steps: ordinary least squares (OLS) and autoregressive distributed lag (ARDL). I

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Dr., Ruba Aljaralla. "The role of financial indicators inenhancing Human Development:A case study of Gulf Countries." International Journal of Business Management and Technology 6, no. 3 (2023): 231–38. https://doi.org/10.5281/zenodo.7676896.

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: A well-developed financial system promotes the effective sharing of saving by supporting access to financial institutions and lowering transaction costs. It also monitors transactions through the regulatory organizations, promotes an efficient market by exchanging services, goods, technology, and knowledge, as well as reduces uncertainty through efficient risk management methods. The present study examines the impact of financial indicators related to the banking sector on the Human Development Index (HDI). A GMM approach is applied by using the data from 1996 to 2018. Gulf countries are tak

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Sekarlaras, Amanda Fortuna Arum, Hermanto Siregar, and Nur Hasanah. "Effects of Financial Literacy and Self-Efficacy On Risky Credit Behavior of Gen-Z." Jurnal Aplikasi Bisnis dan Manajemen 11, no. 2 (2025): 468. https://doi.org/10.17358/jabm.11.2.468.

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Background: The rise of digital technology has driven the growth of financial services like Paylater, enabling instant purchases with deferred payments. This has shifted financial habits, especially among Generation Z, who are more vulnerable to risky credit behavior. Therefore, understanding factors such as financial literacy and financial self-efficacy is essential to encourage responsible credit use.Purpose: The research focuses on analyzing the influence of financial literacy and financial self-efficacy on risky credit behavior among Generation Z in Indonesia. Design/methodology/approach:

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Dr., Riazuddin Ahmed. "A Marketing of Innovative E-Financial Services with Reference to SBI and ICICI Bank." International Journal of Innovative Science and Research Technology 7, no. 12 (2023): 1921–31. https://doi.org/10.5281/zenodo.7547456.

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Electronic Financial services is consists of the financial market such as Bank ,Non banking financial Institutions, etc. and theses e-Financial Institution transfer the fianancials services from saving to investments. These Services rendered by the Financials institutions are called as Financial Services. Median defines financial services activities. This e-financials sector has been growing in term of number and quality financial of services. After the liberalization of Indian Economy in 1990s, the number of financial services is increasing day by day. New trends and Innovative financial Serv

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Enudi, Ogechi. "Innovative Financial Products And Services For Underserved Communities." IOSR Journal of Economics and Finance 15, no. 5 (2024): 55–62. http://dx.doi.org/10.9790/5933-1505025562.

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This paper provides an in-depth exploration of innovative financial products designed to meet the unique needs of underserved populations in the United States. It systematically examines how Community Development Financial Institutions (CDFIs) and Minority Depository Institutions (MDIs) are important in the delivery of these specialized financial services. By focusing on microloans, credit-building loans, and affordable housing financing, the paper elucidates the transformative potential of these financial products in enhancing financial inclusion and increasing economic empowerment within mar

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Sam-Bulya, Ngodoo Joy, Hope Ehieghe Omokhoa, Chikezie Paul Mikki Ewim, and Godwin Ozoemenam Achumie. "Developing a Framework for Artificial Intelligence-Driven Financial Inclusion in Emerging Markets." International Journal of Multidisciplinary Research and Growth Evaluation 2, no. 1 (2021): 677–92. https://doi.org/10.54660/.ijmrge.2021.2.1.677-692.

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Artificial Intelligence (AI) has the potential to revolutionize financial inclusion in emerging markets by addressing key barriers such as access to financial services, affordability, and trust. This paper explores the development of a framework for AI-driven financial inclusion tailored to these markets, focusing on how AI technologies can enable more equitable access to financial services. The framework emphasizes the integration of AI in various financial processes, including credit scoring, fraud detection, risk management, and personalized financial services. By leveraging machine learnin

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Suhidayat, Tatang, and Azhar Affandi. "Analisis Kepuasan Nasabah yang dipengaruhi Nilai Pelanggan dan Kepercayaan Pelanggan serta Kualitas Pelayanan." Jurnal Ilmiah Manajemen Kontigensi 6, no. 1 (2018): 35–48. https://doi.org/10.5281/zenodo.3375155.

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<em>Banking services are financial institutions as intermediation in financial services. It  plays an important role in enhancing the company's operational activities. People's credit bank, which is a financial service, contributes to the development of small and medium enterprises. Competition in financial services, especially people's credit banks, which is increasingly stringent requires increasing the quality of their services  to increase their customer satisfaction. This study aims to determine the effect of service quality on customer value and trust as well as its

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Tanjung, Putri Renalita Sutra. "Financial Literacy, Self-Efficacy, and Risky Credit Behavior among Kredivo Users in Jakarta Area." International Journal of Research and Scientific Innovation XII, no. VI (2025): 1522–34. https://doi.org/10.51244/ijrsi.2025.120600129.

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The use of Buy Now Pay Later (BNPL) services such as Kredivo is increasing, especially in the Jakarta area. Many users take advantage of the convenience of this digital credit without adequate financial understanding, potentially leading to risky credit behavior. This study aims to analyze the effect of financial literacy and self-efficacy on risky credit behavior in Kredivo users in Jakarta. This quantitative research uses a survey method with a questionnaire distributed to 150 respondents who are active Kredivo users during 2024. The research instrument includes three scales: financial liter

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Frost, Jon, Leonardo Gambacorta, Yi Huang, Hyun Song Shin, and Pablo Zbinden. "BigTech and the changing structure of financial intermediation." Economic Policy 34, no. 100 (2019): 761–99. http://dx.doi.org/10.1093/epolic/eiaa003.

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SUMMARY Pablo Zbinden?&gt;We consider the drivers and implications of the growth of ‘BigTech’ in finance – i.e. the financial services offerings of technology companies with established presence in the market for digital services. BigTech firms often start with payments. Thereafter, some expand into the provision of credit, insurance and money management products, either directly or in cooperation with financial institution partners. Focusing on credit, we show that BigTech firms lend more in countries with less competitive banking sectors and less stringent bank regulation. Analysing the

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Johan, Suwinto, and Wahyuni Rusliyana Sari. "Loan disbursement by financial services institutions: Determinants in Asia." Jurnal Manajemen dan Pemasaran Jasa 16, no. 1 (2023): 1–12. http://dx.doi.org/10.25105/jmpj.v16i1.14161.

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The economy of a country cannot be separated from the financing in the economic ecosystem of the nation. On the opposite, overly excessive funding will cause the economy of a country to become overheated. An overheated economy can harm the country's overall system. This research analyzes the variables that determine the distribution of financing by the financial services industry to private sectors. This research studies five variables as independent variables and private credit disbursement as the dependent variable. The independent variables are inflation interest rate, exchange rate, gross

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Efris Saputri, Eka Julianti, and Fitri Chairunnisa. "FINANCIAL TECHNOLOGY AND IT’S IMPACT ON MSMEs IN CHOOSING BANK CREDIT SERVICES IN JAMBI." Journal of Business Studies and Mangement Review 4, no. 2 (2021): 137–42. http://dx.doi.org/10.22437/jbsmr.v4i2.13188.

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Fintech supports the implementation of electronic applications, one of which is access to financial inclusion, this is evident from the increasing financial inclusion in Indonesia, one of which is in Jambi City. Until 2018, the development of bank credit debit trays in Indonesia continued to increase. With the presence of fintech companies in Indonesia, several SMEs who were met admitted to applying for credit in addition to using bank credit services, namely applications launched by Fintech companies. This type of research is descriptive qualitative. The data collection method in this researc

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Zhigas, Margarita, and Larisa Lavrova. "On the Issue of Improving Financial Reporting of Non-Credit Financial Organizations." Baikal Research Journal 15, no. 4 (2024): 1486–503. https://doi.org/10.17150/2411-6262.2024.15(4).1486-1503.

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The objectives, content and features of financial reporting of non-credit financial organizations are considered. Modern conditions of the formation of the financial market and its entities exacerbate the problems of forming high-quality financial reporting, which is interrelated and requires a comprehensive solution. The Bank of Russia's performance of the functions of a mega-financial regulator has actualized the issues of the need to improve the preparation of financial statements and the reflection of brokerage and dealer transactions in accounting using special software and taxonomy. The

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Chistyukhin, V. V. "A Modern Model of Supervision over Non-Credit Financial Institutions." Actual Problems of Russian Law 17, no. 1 (2021): 60–72. http://dx.doi.org/10.17803/1994-1471.2022.134.1.060-072.

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he paper is devoted to the study of fundamental principles of a modern model of supervision over non-credit financial institutions. Based on the results of the study, the author comes to the conclusion that the supervision over the activities of non-credit financial institutions is currently a complex, multifaceted phenomenon, the main characteristics of which include risk-orientation, macroprudential orientation, the use of motivated (professional) judgment, proportional regulation, supervision over observance of the rights and legitimate interests of financial services’ consumers and a combi

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Negi, Deepti. "Automating Fraud Detection in Financial Services: An AI-based Approach." Mathematical Statistician and Engineering Applications 70, no. 2 (2021): 1315–25. http://dx.doi.org/10.17762/msea.v70i2.2323.

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One of the most common reasons why financial fraud occurs is due to credit card fraud. Unfortunately, traditional methods of detecting this issue have not been able to effectively prevent it. This has prompted the need for more sophisticated and efficient fraud detection techniques. Artificial intelligence has emerged as a promising tool for this problem. The paper looks into the use of AI methods to detect credit card fraud in the financial services industry. We analyze the performance of different algorithms, such as the Random Forest, the Neural Network, and the Naive Bayes. We also perform

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Mokropulo, A. A. "FORMING OF MODEL OF FINANCIAL SAFETY OF CORPORATION AS BASIS OF INVESTMENT ATTRACTIVENESS OF REGION." Scientific bulletin of the Southern Institute of Management, no. 4 (December 30, 2016): 28–32. http://dx.doi.org/10.31775/2305-3100-2016-4-28-32.

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The problem of operational service enterprises in the commercial Bank has got a special urgency. In difficult conditions of a rigid competition, banks are trying to keep the advantages to save in the money markets. Therefore, modern credit institution is ready to offer its actual and potential customers the most favorable and attractive conditions for payment operations, credit operations and operations on attraction in deposits or currency conversion. Relations of credit organisations with clients is very diverse: traditional cash management services, credit services, cash payments, operating

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Forker, John, Johanne Grosvold, and Anne Marie Ward. "Management Models and Priorities in Member Associations." Nonprofit and Voluntary Sector Quarterly 43, no. 2_suppl (2013): 105S—123S. http://dx.doi.org/10.1177/0899764013502581.

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Credit unions are membership-based cooperative financial services organizations that are run by and for their members. Historically, credit unions provided financial services for their members and encouraged community development through philanthropy and volunteering. The World Council of Credit Unions (WOCCU), the sector’s global trade association and development agency, encourages the adoption of a management model, coined “new model,” which encourages for-profit financial management practices. The “new model” approach is challenged by some practitioners and academics concerned that it will

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Pozos-Texon, Felipe de Jesús, Carlos Javier Gasca-Caballero, Juan Antonio Pinilla-Rodríguez, and Luz Estela Contreras-Valenzuela. "Attitudes Towards Financial Understanding in The Realms of Investment and Credit Among Small and Medium Enterprise Proprietors." Indiana Journal of Economics and Business Management 4, no. 2 (2024): 10–16. https://doi.org/10.5281/zenodo.10884499.

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The aim is to explore the perception of financial literacy among small and medium-sized enterprise (SME) entrepreneurs, particularly through the lens of information and communication technology (ICT), to facilitate beneficial decision-making for their businesses. By conducting surveys, their understanding of investment and borrowing was examined. Results indicate that entrepreneurs feel financial literacy has aided them in obtaining and utilizing financial services. Nonetheless, a nuanced interaction was observed between financial literacy perceptions and the utilization of financial services.

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Kropivko, M., and D. Mykytyuk. "Functioning of credit cooperation: foreign experience and challenges for Ukraine." Ekonomìka ta upravlìnnâ APK, no. 2(151) (December 16, 2019): 89–95. http://dx.doi.org/10.33245/2310-9262-2019-151-2-89-95.

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It is established that the existing banking system is aimed primarily at lending to highly concentrated agricultural enterprises and is not adapted to the needs of small rural businesses. Therefore, the creation of an effective mechanism for lending to small and medium-sized agricultural entities through a credit cooperative system is of particular relevance. Rural credit co-operation is a parallel to banks, an alternative financial system that has begun to firmly occupy a niche in the country's credit and financial system. Its line of business is financial services for small and medium-sized

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Dittakavi, Rajan Lakshmi, and K. Samuel Sudhir. "Impact of Financial Inclusion on Indian Economic Development." International Journal of Research and Scientific Innovation XII, no. IV (2025): 1628–36. https://doi.org/10.51244/ijrsi.2025.12040131.

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In the Indian context, financial inclusion was defined as “the process of ensuring timely and adequate access to affordable credit and financial services for vulnerable groups” (Union Budget 2007-08). The Financial Inclusion Committee also defines financial inclusion as a mechanism for ensuring access to financial services and, where possible, adequate credit at an affordable cost to vulnerable groups, such as the poor and low-income groups (Financial Inclusion Committee Report, 2008). While these two meanings apply to a number of financial services, there is a strong bias in credit. It is the

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Kalluri, Kartheek. "Enhancing Credit Union Operations: Utilizing Pega's Workflow Automation for Member Management." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 12 (2024): 1–7. https://doi.org/10.55041/ijsrem25117.

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Credit unions are important in promoting financial literacy and delivering relevant services to their members. However, problems in these organizations' operations affect their capacity to provide services that meet the members' expectations. This paper analyzes how Pega's workflow automation platform benefits credit unions, especially in management. Specifically, Pega eliminates such processes as onboarding, problem solving or services provision simplifying organizational and operational dimensions not to mention the level of the member's satisfaction. However, the effectiveness of the platfo

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Makina, Daniel. "Introduction to the financial services in Africa special issue." African Journal of Economic and Management Studies 8, no. 1 (2017): 2–7. http://dx.doi.org/10.1108/ajems-03-2017-149.

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Purpose The purpose of this paper is to explore the landscape of financial services in Africa through the prism of a selection of research papers. Design/methodology/approach This is a review of literature that focusses on access to financial services (i.e. financial inclusion) and empirical findings from research papers in this issue of the journal. Findings The landscape of financial services in Africa is as heterogeneous as the countries comprising the continent. Common features include low levels of financial inclusion, low financial literacy, constrained access to credit, costly credit wh

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Robson, M. "Assessing and managing credit risk in retail financial services." IMA Journal of Management Mathematics 12, no. 2 (2001): 127–37. http://dx.doi.org/10.1093/imaman/12.2.127.

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Qin, Chaofu, and Yun Li. "Research on the Impact of Digital Finance Development on Bank Credit." Proceedings of Business and Economic Studies 8, no. 3 (2025): 217–22. https://doi.org/10.26689/pbes.v8i3.11201.

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The rapid development of digital finance is profoundly changing the structure and management mode of bank credit. Through mobile banking, artificial intelligence, big data, cloud computing, and online lending platforms, banks are able to optimize credit services, increase efficiency, and improve access to credit [1]. This evolution began in the late 20th century and accelerated after the 2008 global financial crisis. Through automated approval, precise risk assessment, and real-time monitoring, digital finance has improved credit efficiency, reduced costs, promoted financial inclusion, and ena

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Yusnita, Raja Ria. "The Influence of Financing Diversification and Financial Performance on the Risk of Islamic Commercial Banks in Indonesia." Quantitative Economics and Management Studies 5, no. 3 (2024): 515–27. http://dx.doi.org/10.35877/454ri.qems2499.

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This study aims to examine the influence of financing diversification, which includes six financing contracts of Islamic banks in Indonesia and financial performance on credit risk represented by NPF in Islamic commercial banks using regression panel data in 2018-2022. The results of this study indicate that there is an insignificant positive influence on financing diversification and financial performance partially on credit risk in Islamic banking in Indonesia. However, financing diversification and financial performance together have a significant influence on credit risk, which is currentl

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SHARMA, RAVI. "The Impact of Consumer Durable Loans on Household Purchasing Behaviour and Financial Stability." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50129.

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EXECUTIVE SUMMARY For management student, installment-based finance for household goods project has given a very good opportunity to gain actual exposure to the organization and to gain work experience within the actual work environment. For the best utilization of Trainees ability to be efforts, I choose HDFC financial institutions, Prithla Branch,Palwal as the organization for installment-based finance for household goods Project. The nature of installment-based finance for household goods Project is of Operational Assignment. The task or activities carried out during this Project are relate

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