# bib

id: ajfti-3926
title: The Nexus between Personality Traits and Financial Self-Efficacy of College Students
date: 2025
pages: 7
extension: .pdf
mime: application/pdf
words: 4099
sentence: 233
flesch: 34
cache: cache/ajfti-3926.pdf
txt: txt/ajfti-3926.txt
author:
  Tejano, Lady Bea; Larracochea, Jamaine Rafaella; Pardillo, Ashly Mae; Lanzaderas, Byrel Nicole; Dologuin, Ralph Joe; Enad, Christian; Veyra, Mark Joshan; Ortiz, Mark Joel; Caballo, John Harry; Obenza-Tanudtanud, Dianne Mariz Nacua

summary:
  According to Obenza et al. (2024e), recent studies in Davao City have explored the relationships between personality traits, self-efficacy, and financial behaviors. The significance of this research is underscored by various studies that establish significant correlations between personality traits and financial behaviors.


id: ajfti-2337
author: Zuhairi, Mustafa Mohammed Kleban; ussein, Mustafa Khudhair
date: 2023
pages: 9
extension: .pdf
mime: application/pdf
words: 4499
sentence: 243
flesch: 38
cache: cache/ajfti-2337.pdf
txt: txt/ajfti-2337.txt
title:
  The Role of Knowledge Management Processes in Enhancing the Quality of Banking Information Systems: An Applied Study in the Iraqi Islamic Banking Sector

summary:
  The study aimed to identify the role of knowledge management processes in enhancing banking information systems in Iraqi Islamic banks (Iraqi Islamic Bank for Investment and Development, National Islamic Bank, Al-Elaaf Islamic Bank, Islamic Cooperation Bank for Investment, Al-Ataa Islamic Bank for Investment and Financing). It was found that Islamic banks in Iraq have shown an acceptable level of attention to knowledge management processes.


id: ajfti-2557
author: Salim, Munana Mugisha
title: Assessing the Role of Fintech in the Economic Growth and Development in Rwanda (2018-2023)
date: 2024
pages: 9
extension: .pdf
mime: application/pdf
words: 4807
sentence: 218
flesch: 42
cache: cache/ajfti-2557.pdf
txt: txt/ajfti-2557.txt
summary:
  The study entitled “Assessing the Role of FinTech in the Economic Growth and Development in Rwanda (2018-2023)” was conducted to assess the validity of one hypothesis, which was divided into two hypotheses: there is no significant role of FinTech in economic growth of Rwanda and the second is there is no significant role of FinTech on economic development of Rwanda. This means that, for assessing the determinants of economic growth and economic development, there is a need to select more indicators or variables rather than choosing three indicators only as it is in this study.


id: ajfti-3651
author: Kamau, Stanley; Oganga, Bruce; Koske, Naomi
title: Effect of Customs Monitoring System on Trade Facilitation in Busia Border, Kenya
date: 2025
pages: 8
extension: .pdf
mime: application/pdf
words: 4566
sentence: 314
flesch: 47
cache: cache/ajfti-3651.pdf
txt: txt/ajfti-3651.txt
summary:
  Trade facilitation systems in Kenya. The analytical model is denoted by the equation: Y = β0 + β1X1 + ε Where; Y = Trade Facilitation (Dependent variable); X1= Customs monitoring systems; β1 = beta coefficient; ε = Error term. RESULTS AND DISCUSSION Demographics Analysis A demographic analysis was conducted and it reveal the distribution of participants across various categories.


id: ajfti-3976
author: Guo, Fuqiang; My, Changxia; Anatolyevna, Zubritskaya Inessa
date: 2025
pages: 7
extension: .pdf
mime: application/pdf
words: 4339
sentence: 177
flesch: 25
cache: cache/ajfti-3976.pdf
txt: txt/ajfti-3976.txt
title:
  Research on the Development Direction of the Industrial Economy Under the Background of the Digital Economy

summary:
  Research on the impact of digital economy development on manufacturing upgrading in The Beijing-Tianjin-Hebei region. Finally, in view of the problem of how to further develop industrial economy under the background of digital economy, relevant countermeasures and suggestions on the development direction of industrial economy under the background of digital economy, hoping to provide effective suggestions for the transformation of industrial economy to digital and the realization of high-quality development.


id: ajfti-3789
date: 2025
pages: 9
extension: .pdf
mime: application/pdf
words: 4948
sentence: 280
flesch: 23
cache: cache/ajfti-3789.pdf
txt: txt/ajfti-3789.txt
author:
  Pabel, Md. Amran Hossain; Akter, Ratna; Biswas, Tapan Kumar; Kamal, Md. Mostafa; Nahar, Foyjun; Sani, Jumman

title:
  Comparative Analysis of AI-Driven Marketing Strategies of the E-Commerce Industry in the Modern World

summary:
  The research ascertained that integrated digital marketing examines the application of social media data for customer sentiment analysis and the employment of Artificial Intelligence algorithms in social media marketing. Artificial Intelligence algorithms can assess consumer data to pinpoint preferences and patterns, enabling marketers to tailor personalized and targeted campaigns (Gkikas & Theodoridis, 2017).


id: ajfti-3940
author: Quintero, Frank Angel Lemoine; Demera, Fernando Jose Hernandez
title: Influence of Digital Advertising on Sales Case: Water Home Express Canoa
date: 2025
pages: 10
extension: .pdf
mime: application/pdf
words: 6932
sentence: 349
flesch: 46
cache: cache/ajfti-3940.pdf
txt: txt/ajfti-3940.txt
summary:
  This thesis demonstrates that the adoption of digital advertising strategies is essential to establish an effective connection with the target audience, which not only facilitates the acquisition of new customers but also promotes loyalty. This investigation focuses on the Influence of digital advertising on sales, case: Water Home Express Canoa located in the province of Manabí.


id: ajfti-4061
author: Chaudhary, Manoj Kumar
title: Impact of Risk Perception, Overconfidence Bias and Loss Aversion on Investment Decision-Making
date: 2025
pages: 10
extension: .pdf
mime: application/pdf
words: 6440
sentence: 404
flesch: 40
cache: cache/ajfti-4061.pdf
txt: txt/ajfti-4061.txt
summary:
  Hamid et al. (2013) found that risk propensity positively affects risk-taking behavior, thereby impacting stock investment decisions. Sapkota (2022) states that risk perception has a significant positive influence on stock investment decisions among investors.


id: ajfti-2489
author: Hui, Huang; Sang, Lim Thien
date: 2024
pages: 11
extension: .pdf
mime: application/pdf
words: 6633
sentence: 388
flesch: 37
cache: cache/ajfti-2489.pdf
txt: txt/ajfti-2489.txt
title:
  Integrating Financial and Textual Indicators for Enhanced Financial Risk Prediction: A Deep Learning Approach

summary:
  Keywords Financial Indicators, Textual Indicators Management Discussion and Analysis, Deep Learning, Financial Risk Prediction INTRODUCTION Predicting financial risk is a crucial problem in finance since it enables companies, investors, and governments to make wise choices and avert possible financial disasters. According to the study by Mashrur et al. (2022), the process of accurately predicting financial risk is complex.


id: ajfti-2098
author: Elomari, Raed
title: The Role of Fintech in Promoting the Takaful Model of Islamic Insurance
date: 2023
pages: 10
extension: .pdf
mime: application/pdf
words: 5178
sentence: 331
flesch: 40
cache: cache/ajfti-2098.pdf
txt: txt/ajfti-2098.txt
summary:
  These data demonstrate Fintech’s transformational impact on Takaful insurance profitability in Qatar. In essence, it examines the complex nature and associated factors of Takaful Insurance, the emerging trend of Fintech, and its role in promoting Takaful insurance.


id: ajfti-3807
author: Abdelrhman, Aisha Badawi
title: Popularity of Mobile Transaction Services in the Banking Sector
date: 2025
pages: 10
extension: .pdf
mime: application/pdf
words: 6956
sentence: 431
flesch: 48
cache: cache/ajfti-3807.pdf
txt: txt/ajfti-3807.txt
summary:
  The improvement of internet infrastructure is crucial for expanding network coverage and increasing Internet speed, enabling seamless and convenient access to Internet banking services across the country (Sahut, 2021). Regression 19.875 4 4.969 57.829 .000b Residual 9.795 114 .086 Total 29.670 118 ANOVA table is the ground zero of all the results and confirming the overall significance of the modeling of variance in the actual usage of internet banking services among respondents in Sudan.


id: ajfti-2033
author: Alsagoor, Turki M
title: The Impact of Drug Pricing and Insurance Coverage on Medication Adherence in Saudi
date: 2023
pages: 12
extension: .pdf
mime: application/pdf
words: 7374
sentence: 454
flesch: 46
cache: cache/ajfti-2033.pdf
txt: txt/ajfti-2033.txt
summary:
  This study explores the complex interactions in Saudi Arabia between medicine costs, insurance coverage, and medication adherence. With a significant coefficient of -0.773 (p = 0.006), high medicine prices were shown to be a significant barrier to medication adherence.


id: ajfti-3193
author: Musa, Aisha Badawi Abdelrhman; Ahmed, Amna Abdelaal Khaled
date: 2024
pages: 12
extension: .pdf
mime: application/pdf
words: 7552
sentence: 433
flesch: 44
cache: cache/ajfti-3193.pdf
txt: txt/ajfti-3193.txt
title:
  The Effect of Financial Risks on Financing Decisions of Saudi Commercial Banks - A Field Study on Commercial Banks Operating in Arar City

summary:
  https://doi.org/10.54536/ajfti.v2i1.3193 https://journals.e-palli.com/home/index.php/ajfti Article Information ABSTRACT Received: July 14, 2024 Accepted: August 18, 2024 Published: September 11, 2024 This study aims to analyze the effect of financial risks on the financing decisions of Saudi commercial banks in Arar City. This indicates that financial risks are interrelated and that robust risk management practices are essential to strategic financial management practices in the banking industry.


id: ajfti-2354
author: Al-Sulaiman, Talal
date: 2024
pages: 15
extension: .pdf
mime: application/pdf
words: 6700
sentence: 541
flesch: 56
cache: cache/ajfti-2354.pdf
txt: txt/ajfti-2354.txt
title:
  Review of Recent Research Directions and Practical Implementation of Low-Frequency Algorithmic Trading

summary:
  Pa ge 1 Pa ge 1 American Journal of Financial Technology and Innovation (AJFTI) Review of Recent Research Directions and Practical Implementation of Low-Frequency Algorithmic Trading Talal Al-Sulaiman1* Volume 2 Issue 1, Year 2024 ISSN: 2996-0975 (Online) https://doi.org/10.54536/ajfti.v2i1.2354 https://journals.e-palli.com/home/index.php/ajfti Article Information ABSTRACT Received: January 22, 2024 Accepted: February 24, 2024 Published: February 26, 2024 Financial trading has undergone substantial technological evolution, with automation taking center stage, leading to approximately 80% of US market trades being executed by computer systems, predominantly by large financial institutions. Evaluating machine learning classification for financial trading: An empirical approach.


id: ajfti-3298
author: Kabue, Boniface Mbugua
date: 2025
pages: 13
extension: .pdf
mime: application/pdf
words: 8013
sentence: 432
flesch: 40
cache: cache/ajfti-3298.pdf
txt: txt/ajfti-3298.txt
title:
  Socioeconomic Impact Assessment of Caritas Nairobi Self Help Programme: Ruiru Fund Self Help Group Programme

summary:
  Table 2: Anova Socioeconomic Impact of Ruiru Fund Self Help Group Programme Model Sum of Squares df Mean Square F Sig. 1 Ruiru Fund Self Help Group should therefore address these needs effectively.


id: ajfti-2387
author: Elomari, Raed
date: 2024
pages: 14
extension: .pdf
mime: application/pdf
words: 7646
sentence: 511
flesch: 37
cache: cache/ajfti-2387.pdf
txt: txt/ajfti-2387.txt
title:
  Fintech’s Impact on the Digital Transformation of the Qatar Insurance Sector: Opportunities and Challenges

summary:
  Understanding the potential and difficulties that come with this digital transition is essential as Fintech and digital insurance continue to grow in popularity in Qatar (Hujaimi et al., 2022). The main objective is to give policymakers, academics, and stakeholders an enlightened perspective on the changing environment of digital insurance.


id: ajfti-2325
author: Ezie, Obumneke; Oniore, Jonathan; Ajaegbu, Princewill Chisom
title: Financial Technology and Economic Growth in Nigeria: 2012Q1-2022Q4
date: 2023
pages: 12
extension: .pdf
mime: application/pdf
words: 8848
sentence: 505
flesch: 42
cache: cache/ajfti-2325.pdf
txt: txt/ajfti-2325.txt
summary:
  In addition, Mobile Payment Transactions significantly impacted economic growth, acting as catalysts in spurring both urban and rural economic activities and inclusivity. On the other hand, Instant Pay Transactions displayed a rather unexpected negative impact on economic growth within the study period.


id: ajfti-3994
author: Mu, Changxia; Guo, Fuqiang; Stepanovna, Polonik Irina
date: 2025
pages: 8
extension: .pdf
mime: application/pdf
words: 4504
sentence: 183
flesch: 25
cache: cache/ajfti-3994.pdf
txt: txt/ajfti-3994.txt
title:
  Research on the Path of Enterprise Economic Innovation and Development under the Background of Digital Economy

summary:
  Under this background this paper introduces the digital economy under the background of the achievements of industrial economies, such as by strengthening the development of enterprise economy in the development of innovation path and make digital economy enterprise economy under the background of digital organization, and through the relevant research found that enterprise economy is facing development difficulties, so this paper discusses the digital economy under the background of realistic problems, such as the lack of standardization enterprise economy, enterprise economy lack of digital transformation concept, digital talent, enterprise economic management mode lag and management supervision mechanism. Demand side 1/3 Digital consumer scale Mobile social media penetration rate The supply side 1/3 Number of digital enterprises Digital enterprises get the financing scale International market 1/3 Export scale of digital services Digital governance Governance 25% Digital government 1/3 E-government index Economic and social environment 1/3 Business Environment Index Degree of intellectual property rights protection Political and legal environment 1/3 Digital-related legal regulation construction The ICT Regulatory Tracking Index Government support The Specific Impact of the Digital Economy on the Enterprise Economy With the advent of the digital economy era, the social labor force is rapidly shifting to economy and society.


id: ajfti-2049
author: Nagriwum, Timothy Masuni; Wiredu, Richard; Amaning, Newman; Kuunyigr , Matthew
date: 2023
pages: 15
extension: .pdf
mime: application/pdf
words: 10690
sentence: 633
flesch: 56
cache: cache/ajfti-2049.pdf
txt: txt/ajfti-2049.txt
title:
  Effects of Board Diversity on the Earning Quality of Non-Financial Firms Listed on the Ghana Stock Exchange

summary:
  Evidence shows that non-European directors are linked with earnings-management activities, while accruals-based and real earnings-management activities are inversely associated with board gender diversity. Evidence from Kouaib and Almulhim (2019) shows that non-European directors are positively linked with earnings-management activities, whereas accruals-based and real earnings-management activities are inversely associated with board gender diversity.


id: ajfti-4038
author: Yang, Jiaqi; Kudriavtseva, Oksana
title: Enhancing Decision-Making Efficiency Through Production Process Diagnostics
date: 2025
pages: 8
extension: .pdf
mime: application/pdf
words: 4879
sentence: 310
flesch: 36
cache: cache/ajfti-4038.pdf
txt: txt/ajfti-4038.txt
summary:
  Such a system will lay a solid foundation for realizing intelligent optimization manufacturing of process industry processes. This comprehensive approach ensured the optimization of key production indicators, leading to improved product quality, reduced costs, and enhanced overall efficiency in industrial production processes.


id: ajfti-4611
author: Hasan, Huda Hadi
title: The Role of Behavioral Finance in Stock Market Decision-Making in Iraq
date: 2025
pages: 7
extension: .pdf
mime: application/pdf
words: 3167
sentence: 165
flesch: 30
cache: cache/ajfti-4611.pdf
txt: txt/ajfti-4611.txt
summary:
  Investigating the effects that psychological features have on stock market decisions and market operations. 3. Loss Aversion 0.30 2.80 0.006 Herding Behavior 0.40 4.20 0.001 Emotional Reactions (Greed/Fear) 0.25 2.50 0.015 Confirmation Bias 0.10 1.20 0.230 Table 5: Investor Awareness of Behavioral Biases Behavioral Bias Aware (%) Not Aware (%) Impact on Decision Making Overconfidence 40% 60% Significant Loss Aversion 55% 45% Moderate Herding Behavior 30% 70% Significant Emotional Reactions (Greed/Fear) 60% 40% Moderate Confirmation Bias 50% 50% Low These tables represent possible methods for showing data gathered through your academic exploration of behavioral finance and stock market decision making in Iraq.


id: ajfti-4554
author: Ogunjide, O.; Ukatu, C.; Juwah, N. Juwah; Oreoluwa, S.; Owoola-Adebayo, S.
date: 2025
pages: 9
extension: .pdf
mime: application/pdf
words: 6135
sentence: 334
flesch: 37
cache: cache/ajfti-4554.pdf
txt: txt/ajfti-4554.txt
title:
  The Future of Contactless Payments: A Comparative Study of Adoption Trends in Emerging Vs. Developed Markets.

summary:
  Nevertheless, it is expected that rising penetration of smartphones, financial literacy programs, and regulatory improvements will increase the velocity of digital payment adoption. The main barrier to digital payment adoption that is seamless is its regulatory inconsistencies.


id: ajfti-4531
author: Sharma, Shubham; Negi, Vinod
title: A Study on Impact of Risk Tolerance on Mutual Fund Investors
date: 2025
pages: 9
extension: .pdf
mime: application/pdf
words: 5545
sentence: 335
flesch: 45
cache: cache/ajfti-4531.pdf
txt: txt/ajfti-4531.txt
summary:
  The research included data from 4,026 individuals in the DNB (De Nederlandsche Bank) household survey and demonstrated that all five major personality factors were positively correlated with financial risk tolerance and affect risk tolerance. This study aims to examine the risk tolerance levels of mutual fund investors.


id: ajfti-5286
title: Blockchain and Accounting: Contemporary Benefits and Challenges
date: 2025
pages: 7
extension: .pdf
mime: application/pdf
words: 4422
sentence: 192
flesch: 20
cache: cache/ajfti-5286.pdf
txt: txt/ajfti-5286.txt
author:
  Barros, Ruany Idalice Martins; Campana, Carlos Adriano; Vilhena, Fábio André de Farias; Pereira, Gyzah Amui Barros; Fagundes, Jorge Martins; de Oliveira, Tiago Luz; Fernandes, Lizandra de Oliveira Ricardo; da Silva, Edson Nogueira

summary:
  In this context, the guiding question that guides this investigation emerges: how do the benefits and limitations associated with the adoption of emerging technologies impact the quality of accounting information and the governance standards related to it? In view of this scenario, this article aims to systematically analyze how emerging technologies have been discussed in the field of accounting, with special attention to the impacts on the quality of accounting information, audit processes, transparency mechanisms, adherence to international financial reporting standards, and the challenges associated with governance and regulation.


id: ajfti-4219
author: Boussetta, Jdidi
date: 2025
pages: 14
extension: .pdf
mime: application/pdf
words: 6749
sentence: 368
flesch: 31
cache: cache/ajfti-4219.pdf
txt: txt/ajfti-4219.txt
title:
  Artificial Intelligence and the Financial Market - Unraveling the Transformative Potential and Innovative Applications

summary:
  This transformative potential heralds a new era of decision-making, fueled by insights gleaned from AI models. The deployment of AI models within regulated sectors, particularly Finance, necessitates a thorough understanding of the intricate mechanisms underlying decision-making to ensure compliance and accountability.


id: ajfti-5624
author: Siddquee, Tanveer Ahmed
title: Agricultural Loan Management by Mobile Banking: Opportunities and Challenges
date: 2025
pages: 9
extension: .pdf
mime: application/pdf
words: 5158
sentence: 341
flesch: 49
cache: cache/ajfti-5624.pdf
txt: txt/ajfti-5624.txt
summary:
  To assess the effect of mobile financial service (MFS) based automated agricultural loan management systems on loan sanction and disbursement time compared to the conventional agricultural loan management system. 3. The results showed strong evidence that switching to an automated, MFS-based system reduces costs saves time, and makes the whole process more convenient for both bankers and farmers. RESULTS AND DISCUSSION Demographics analysis This part of the study highlights the main results and present the findings from the research, focusing on the demographic characteristics of respondents and the operational effectiveness of conventional versus automated agricultural loan management systems in agricultural loan management.


id: ajfti-5791
author: Ahmed, S.; Islam, M. E.; Sarwar, M. Shahin
date: 2025
pages: 9
extension: .pdf
mime: application/pdf
words: 5118
sentence: 249
flesch: 41
cache: cache/ajfti-5791.pdf
txt: txt/ajfti-5791.txt
title:
  The Intersection of Regulation, Innovation, and FinTech in Accelerating Green Finance: Insights from Bangladesh

summary:
  The primary focus is on formal financial institutions in Bangladesh, recognized as the main channels for green finance products and policy implementation. High cost and financial constraints The Multiple Linear Regression (MLR) model will be constructed as follows: Y = β₀ + β₁(awareness) + β₂(perceived benefits) + β₃(regulatory barriers) + β₄(market readiness) + β₅(fintech role) + ε Where, Y represents the adoption of green finance products (this is the dependent variable or DV).


id: ajfti-4584
author: Saka, Kamilu A.; Rasaki A, Raji2
date: 2025
pages: 8
extension: .pdf
mime: application/pdf
words: 5483
sentence: 304
flesch: 43
cache: cache/ajfti-4584.pdf
txt: txt/ajfti-4584.txt
title:
  Entrepreneurial Growth under Financial Inclusion: A Firm-Level Analysis of Microenterprises in Abeokuta Metropolis

summary:
  Pa ge 1 Pa ge 15 5 American Journal of Financial Technology and Innovation (AJFTI) Entrepreneurial Growth under Financial Inclusion: A Firm-Level Analysis of Microenterprises in Abeokuta Metropolis Kamilu A. Saka1*, Rasaki A, Raji2 Volume 3 Issue 1, Year 2025 ISSN: 2996-0975 (Online) DOI: https://doi.org/10.54536/ajfti.v3i1.4584 https://journals.e-palli.com/home/index.php/ajfti Article Information ABSTRACT Received: February 12, 2025 Accepted: March 19, 2025 Published: October 25, 2025 This study applies the Two-Stage Least Squares (2SLS) estimator to analyse the impact of financial inclusion on micro-firms’ employment growth in the Abeokuta metropolis. These results imply that increasing levels of financial inclusion are not palatable for micro- firms in the study area due to the significant financial challenges they face.


id: ajfti-4522
author: Boussetta, Jdidi
title: Cryptocurrencies and Fintech - Intersecting Dimensions of Digital Currency and Financial Innovation
date: 2025
pages: 16
extension: .pdf
mime: application/pdf
words: 7269
sentence: 413
flesch: 32
cache: cache/ajfti-4522.pdf
txt: txt/ajfti-4522.txt
summary:
  H4: The introduction of crypto-currencies has altered the relationship between interest rates and financial markets. The analysis also includes diverse financial markets from Asia, Europe, and Latin America to ensure a comprehensive geographical and economic perspective.


id: ajfti-6252
author: Sheikh, Abdullah ; Rinvee, Tajbiha Mehonaj ; Sheikh, Md. Shakil
title: A Predictive AI Modeling Framework for Sustainable Logistics and Emissions
date: 2025
pages: 10
extension: .pdf
mime: application/pdf
words: 5434
sentence: 309
flesch: 38
cache: cache/ajfti-6252.pdf
txt: txt/ajfti-6252.txt
summary:
  We have demonstrated through comparative simulation studies that integrated AI systems, combined with predictive fuel consumption models (XGBoost) and dynamic road optimization algorithms (Reinforcement Learning), can achieve significant economic and environmental gains at the same time. IoT + Artificial Intelligence The Internet of Things (IoT) provides real-time data fuel for AI models.


id: ajfti-6174
author: Njoroge, Jane Wairimu ; Ndegwa, Priscilla Wanjiru; Oringo, James Odhiambo
title: Technological Orientation and SMEs’ Survival in Kiambu County, Kenya
date: 2025
pages: 10
extension: .pdf
mime: application/pdf
words: 5266
sentence: 287
flesch: 38
cache: cache/ajfti-6174.pdf
txt: txt/ajfti-6174.txt
summary:
  Pa ge 1 Pa ge 19 6 American Journal of Financial Technology and Innovation (AJFTI) Technological Orientation and SMEs’ Survival in Kiambu County, Kenya Jane Wairimu Njoroge1, Priscilla Wanjiru Ndegwa1, James Odhiambo Oringo1* Volume 3 Issue 1, Year 2025 ISSN: 2996-0975 (Online) DOI: https://doi.org/10.54536/ajfti.v3i1.6174 https://journals.e-palli.com/home/index.php/ajfti Article Information ABSTRACT Received: September 20, 2025 Accepted: October 23, 2025 Published: December 01, 2025 This study examined the influence of technological orientation on the survival of Small and Medium-sized Enterprises (SMEs) in Kiambu County, Kenya. In the context of small and medium-sized enterprises (SMEs) in Kenya and Africa at large, the significance of technological orientation as a determinant of survival is increasingly recognized.


id: ajfti-4570
author: Vo, Tram Thi Hoai; Wang, Pai-Chou
title: Financial Distress Multi-Classification Prediction: A Case Study in Vietnam
date: 2025
pages: 14
extension: .pdf
mime: application/pdf
words: 8007
sentence: 438
flesch: 45
cache: cache/ajfti-4570.pdf
txt: txt/ajfti-4570.txt
summary:
  The effect of market data models, financial statement data models, and external economic variables on the probability of financial distress in Vietnamese enterprises was investigated using a logistic regression model. The EMS score emerged as a highly effective predictor of financial distress when integrated with machine learning models, surpassing traditional methods and demonstrating the potential 1 College of Business, Southern Taiwan University of Science and Technology, Tainan 710301, Taiwan ROC 2 Department of Information Management, Southern Taiwan University of Science and Technology, Tainan 710301, Taiwan ROC *


id: ajfti-5653
author: Ajibola, Hussein Olamilekan; Fasina, Oludare` Olakunle; Akinbode, Peter Sunday
title: Cloud-Based Accounting and Financial Performance of Listed Deposit Money Banks in Nigeria
date: 2025
pages: 13
extension: .pdf
mime: application/pdf
words: 8984
sentence: 520
flesch: 44
cache: cache/ajfti-5653.pdf
txt: txt/ajfti-5653.txt
summary:
  The study employed return on assets (ROA) to assess financial performance and computerized accounting systems (CAS) and accounting software (AS) as important indicators of cloud accounting. The cost of training is crucial to the financial success and successful deployment of cloud accounting systems.


id: ajfti-5168
date: 2025
pages: 12
extension: .pdf
mime: application/pdf
words: 8966
sentence: 521
flesch: 47
cache: cache/ajfti-5168.pdf
txt: txt/ajfti-5168.txt
author:
  Serifat, Oreoluwa Abimbola; Igah, Roseline C.; Balogun, Kehinde M; Mensah, Gershom Randy; Odai, Emmanuel Niiboye

title:
  AI-Driven Fraud Detection in Digital Banking: Ml Approach for Secure and Transparent Financial Transactions

summary:
  Integration with Existing Systems Another important move towards securing transactions is the deploying of AI fraud detection systems integrated with banks’ current infrastructures. Financial fraud detection based on machine learning:


