item: #1 of 34
          id: ajfti-2033
      author: Alsagoor, Turki M
       title: The Impact of Drug Pricing and Insurance Coverage on Medication Adherence in Saudi 
        date: 2023
       words: 7374
      flesch: 46
     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.
    keywords: adherence; arabia; component; coverage; drug; et al; insurance; insurance coverage; medication; medication adherence; pricing; saudi; study; table
       cache: ajfti-2033.pdf
  plain text: ajfti-2033.txt

        item: #2 of 34
          id: ajfti-2049
      author: Nagriwum, Timothy Masuni; Wiredu, Richard; Amaning, Newman; Kuunyigr , Matthew
       title: Effects of Board Diversity on the Earning Quality of Non-Financial Firms Listed on the Ghana Stock Exchange
        date: 2023
       words: 10690
      flesch: 56
     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.
    keywords: age; board; board diversity; directors; diversity; earnings; earnings quality; firm; gender; gender diversity; governance; journal; management; nationality; performance; quality; size; study; value
       cache: ajfti-2049.pdf
  plain text: ajfti-2049.txt

        item: #3 of 34
          id: ajfti-2098
      author: Elomari, Raed
       title: The Role of Fintech in Promoting the Takaful Model of Islamic Insurance
        date: 2023
       words: 5178
      flesch: 40
     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.
    keywords: data; fintech; industry; insurance; integration; islamic; profitability; qatar; study
       cache: ajfti-2098.pdf
  plain text: ajfti-2098.txt

        item: #4 of 34
          id: ajfti-2325
      author: Ezie, Obumneke; Oniore, Jonathan; Ajaegbu, Princewill Chisom
       title: Financial Technology and Economic Growth in Nigeria: 2012Q1-2022Q4 
        date: 2023
       words: 8848
      flesch: 42
     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.
    keywords: banking; economic; fintech; growth; instant; internet; mobile; model; nigeria; payment; study; technology; transactions; value; web
       cache: ajfti-2325.pdf
  plain text: ajfti-2325.txt

        item: #5 of 34
          id: ajfti-2337
      author: Zuhairi, Mustafa Mohammed Kleban; ussein, Mustafa Khudhair
       title: The Role of Knowledge Management Processes in Enhancing the Quality of Banking Information Systems: An Applied Study in the Iraqi Islamic Banking Sector
        date: 2023
       words: 4499
      flesch: 38
     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.
    keywords: banking; banking information; information; information systems; knowledge; management; processes; quality; systems
       cache: ajfti-2337.pdf
  plain text: ajfti-2337.txt

        item: #6 of 34
          id: ajfti-2354
      author: Al-Sulaiman, Talal
       title: Review of Recent Research Directions and Practical Implementation of Low-Frequency Algorithmic Trading
        date: 2024
       words: 6700
      flesch: 56
     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.
    keywords: analysis; average; et al; figure; index; journal; learning; machine; market; methods; price; stock; strategies; trading; volume
       cache: ajfti-2354.pdf
  plain text: ajfti-2354.txt

        item: #7 of 34
          id: ajfti-2387
      author: Elomari, Raed
       title: Fintech’s Impact on the Digital Transformation of the Qatar Insurance Sector: Opportunities and Challenges
        date: 2024
       words: 7646
      flesch: 37
     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.
    keywords: challenges; data; digital; digitalization; fintech; impact; industry; insurance; insurance sector; market; qatar; sector; security; study
       cache: ajfti-2387.pdf
  plain text: ajfti-2387.txt

        item: #8 of 34
          id: ajfti-2489
      author: Hui, Huang; Sang, Lim Thien
       title: Integrating Financial and Textual Indicators for Enhanced Financial Risk Prediction: A Deep Learning Approach
        date: 2024
       words: 6633
      flesch: 37
     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.
    keywords: analysis; assessment; data; et al; factors; indicators; learning; mean; prediction; risk; risk prediction; study
       cache: ajfti-2489.pdf
  plain text: ajfti-2489.txt

        item: #9 of 34
          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
       words: 4807
      flesch: 42
     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.
    keywords: data; development; financial; fintech; growth; indicators; money; role; rwanda; study
       cache: ajfti-2557.pdf
  plain text: ajfti-2557.txt

        item: #10 of 34
          id: ajfti-3193
      author: Musa, Aisha Badawi Abdelrhman; Ahmed, Amna Abdelaal Khaled
       title: The Effect of Financial Risks on Financing Decisions of Saudi Commercial Banks - A Field Study on Commercial Banks Operating in Arar City
        date: 2024
       words: 7552
      flesch: 44
     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.
    keywords: arar; banking; banks; capital; credit; decisions; financing; financing decisions; journal; liquidity; management; risk; saudi
       cache: ajfti-3193.pdf
  plain text: ajfti-3193.txt

        item: #11 of 34
          id: ajfti-3298
      author: Kabue, Boniface Mbugua
       title: Socioeconomic Impact Assessment of Caritas Nairobi Self Help Programme: Ruiru Fund Self Help Group Programme
        date: 2025
       words: 8013
      flesch: 40
     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.
    keywords: fund self; group programme; growth; help group; impact; influence; leadership; members; microfinance; nairobi; programme; ruiru fund; self help; services; study
       cache: ajfti-3298.pdf
  plain text: ajfti-3298.txt

        item: #12 of 34
          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
       words: 4566
      flesch: 47
     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.
    keywords: border; customs; facilitation; goods; international; kenya; monitoring; research; system; trade; trade facilitation; world
       cache: ajfti-3651.pdf
  plain text: ajfti-3651.txt

        item: #13 of 34
          id: ajfti-3789
      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
        date: 2025
       words: 4948
      flesch: 23
     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).
    keywords: analysis; client; commerce; customer; data; intelligence; journal; marketing; research; strategies
       cache: ajfti-3789.pdf
  plain text: ajfti-3789.txt

        item: #14 of 34
          id: ajfti-3807
      author: Abdelrhman, Aisha Badawi
       title: Popularity of Mobile Transaction Services in the Banking Sector
        date: 2025
       words: 6956
      flesch: 48
     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.
    keywords: adoption; banking; et al; factors; internet; internet banking; journal; model; services; sudan; technology; usage; use
       cache: ajfti-3807.pdf
  plain text: ajfti-3807.txt

        item: #15 of 34
          id: ajfti-3926
      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
       title: The Nexus between Personality Traits and Financial Self-Efficacy of College Students
        date: 2025
       words: 4099
      flesch: 34
     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.
    keywords: college; efficacy; personality; personality traits; research; self; students; traits
       cache: ajfti-3926.pdf
  plain text: ajfti-3926.txt

        item: #16 of 34
          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
       words: 6932
      flesch: 46
     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.
    keywords: advertising; canoa; company; digital; express; home; impact; marketing; media; percentage; results; sales; strategies; water
       cache: ajfti-3940.pdf
  plain text: ajfti-3940.txt

        item: #17 of 34
          id: ajfti-3976
      author: Guo, Fuqiang; My, Changxia; Anatolyevna, Zubritskaya Inessa
       title: Research on the Development Direction of the Industrial Economy Under the Background of the Digital Economy
        date: 2025
       words: 4339
      flesch: 25
     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.
    keywords: development; digital; economy; enterprises; innovation; management; production; quality; technology; transformation
       cache: ajfti-3976.pdf
  plain text: ajfti-3976.txt

        item: #18 of 34
          id: ajfti-3994
      author: Mu, Changxia; Guo, Fuqiang; Stepanovna, Polonik Irina
       title: Research on the Path of Enterprise Economic Innovation and Development under the Background of Digital Economy
        date: 2025
       words: 4504
      flesch: 25
     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.
    keywords: background; development; digital; economy; enterprise; enterprise economy; innovation; management; research; technology
       cache: ajfti-3994.pdf
  plain text: ajfti-3994.txt

        item: #19 of 34
          id: ajfti-4038
      author: Yang, Jiaqi; Kudriavtseva, Oksana
       title: Enhancing Decision-Making Efficiency Through Production Process Diagnostics
        date: 2025
       words: 4879
      flesch: 36
     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.
    keywords: chai; control; data; decision; making; manufacturing; optimization; process; processes; production; production process; research; resource; scheduling
       cache: ajfti-4038.pdf
  plain text: ajfti-4038.txt

        item: #20 of 34
          id: ajfti-4061
      author: Chaudhary, Manoj Kumar
       title: Impact of Risk Perception, Overconfidence Bias and Loss Aversion on Investment Decision-Making
        date: 2025
       words: 6440
      flesch: 40
     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.
    keywords: aversion; bias; decisions; investment; investment decisions; investors; loss; overconfidence; perception; risk; stock
       cache: ajfti-4061.pdf
  plain text: ajfti-4061.txt

        item: #21 of 34
          id: ajfti-4219
      author: Boussetta, Jdidi
       title: Artificial Intelligence and the Financial Market - Unraveling the Transformative Potential and Innovative Applications
        date: 2025
       words: 6749
      flesch: 31
     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.
    keywords: adoption; computing; data; decision; integration; intelligence; learning; machine; making; market; model; performance; quantum; value
       cache: ajfti-4219.pdf
  plain text: ajfti-4219.txt

        item: #22 of 34
          id: ajfti-4522
      author: Boussetta, Jdidi
       title: Cryptocurrencies and Fintech - Intersecting Dimensions of Digital Currency and Financial Innovation
        date: 2025
       words: 7269
      flesch: 32
     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.
    keywords: bitcoin; blockchain; challenges; cryptocurrencies; defi; ethereum; finance; growth; innovation; market; market returns; price; rate; returns; stock; stock market; technology; volatility
       cache: ajfti-4522.pdf
  plain text: ajfti-4522.txt

        item: #23 of 34
          id: ajfti-4531
      author: Sharma, Shubham; Negi, Vinod
       title: A Study on Impact of Risk Tolerance on Mutual Fund Investors
        date: 2025
       words: 5545
      flesch: 45
     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.
    keywords: behaviour; fund; individual; investing; investment; investors; model; regression; risk; risk tolerance; study; tolerance
       cache: ajfti-4531.pdf
  plain text: ajfti-4531.txt

        item: #24 of 34
          id: ajfti-4554
      author: Ogunjide, O.; Ukatu, C.; Juwah, N. Juwah; Oreoluwa, S.; Owoola-Adebayo, S.
       title: The Future of Contactless Payments: A Comparative Study of Adoption Trends in Emerging Vs. Developed Markets.
        date: 2025
       words: 6135
      flesch: 37
     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.
    keywords: adoption; consumer; contactless; cybersecurity; digital; economies; markets; payment; services; systems; technology; transactions; trust
       cache: ajfti-4554.pdf
  plain text: ajfti-4554.txt

        item: #25 of 34
          id: ajfti-4570
      author: Vo, Tram Thi Hoai; Wang, Pai-Chou
       title: Financial Distress Multi-Classification Prediction: A Case Study in Vietnam
        date: 2025
       words: 8007
      flesch: 45
     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 *
    keywords: assets; class; companies; company; data; distress; ems; forest; learning; machine; manufacturing; market; model; score; xgboost
       cache: ajfti-4570.pdf
  plain text: ajfti-4570.txt

        item: #26 of 34
          id: ajfti-4584
      author: Saka, Kamilu A.; Rasaki A, Raji2
       title: Entrepreneurial Growth under Financial Inclusion: A Firm-Level Analysis of Microenterprises in Abeokuta Metropolis
        date: 2025
       words: 5483
      flesch: 43
     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.
    keywords: bank; development; employment; financial; firm; growth; inclusion; micro; microenterprises; nigeria; services; study
       cache: ajfti-4584.pdf
  plain text: ajfti-4584.txt

        item: #27 of 34
          id: ajfti-4611
      author: Hasan, Huda Hadi
       title: The Role of Behavioral Finance in Stock Market Decision-Making in Iraq
        date: 2025
       words: 3167
      flesch: 30
     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.
    keywords: behavior; biases; decision; investment; investors; iraq; market; stock
       cache: ajfti-4611.pdf
  plain text: ajfti-4611.txt

        item: #28 of 34
          id: ajfti-5168
      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
        date: 2025
       words: 8966
      flesch: 47
     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:
    keywords: banking; data; digital; et al; financial; fraud; fraud detection; journal; learning; machine; models; patterns; systems; transactions
       cache: ajfti-5168.pdf
  plain text: ajfti-5168.txt

        item: #29 of 34
          id: ajfti-5286
      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
       title: Blockchain and Accounting: Contemporary Benefits and Challenges
        date: 2025
       words: 4422
      flesch: 20
     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.
    keywords: accounting; auditing; blockchain; et al; information; quality; systems; technologies
       cache: ajfti-5286.pdf
  plain text: ajfti-5286.txt

        item: #30 of 34
          id: ajfti-5624
      author: Siddquee, Tanveer Ahmed
       title: Agricultural Loan Management by Mobile Banking: Opportunities and Challenges
        date: 2025
       words: 5158
      flesch: 49
     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.
    keywords: bangladesh; bank; farmers; loan; loan management; management; mfs; respondents; rural; system; time; years
       cache: ajfti-5624.pdf
  plain text: ajfti-5624.txt

        item: #31 of 34
          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
       words: 8984
      flesch: 44
     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.
    keywords: accounting; assets; banks; cloud; cloud accounting; data; deposit; deposit money; journal; money; money banks; nigerian; performance; research; return; software; study; technology
       cache: ajfti-5653.pdf
  plain text: ajfti-5653.txt

        item: #32 of 34
          id: ajfti-5791
      author: Ahmed, S.; Islam, M. E.; Sarwar, M. Shahin
       title: The Intersection of Regulation, Innovation, and FinTech in Accelerating Green Finance: Insights from Bangladesh
        date: 2025
       words: 5118
      flesch: 41
     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).
    keywords: adoption; bangladesh; bank; banking; finance; fintech; green; market; policy; products; role
       cache: ajfti-5791.pdf
  plain text: ajfti-5791.txt

        item: #33 of 34
          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
       words: 5266
      flesch: 38
     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.
    keywords: business; innovation; kenya; orientation; performance; respondents; smes; study; survival; technology
       cache: ajfti-6174.pdf
  plain text: ajfti-6174.txt

        item: #34 of 34
          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
       words: 5434
      flesch: 38
     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.
    keywords: chain; consumption; data; efficiency; emissions; framework; fuel; intelligence; learning; logistics; model; optimization; supply; time
       cache: ajfti-6252.pdf
  plain text: ajfti-6252.txt