Cautious Spending in 2025: Why Consumers Prioritize Savings Amid Financial Optimism Abstract Despite improved economic indicators, low unemployment, and surging consumer confidence, spending behavior in 2025 remains unexpectedly …
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Electric Thoughts
Gen Z and Millennials: Redefining Creditworthiness in the Modern Financial Landscape
Gen Z and Millennials: Redefining Creditworthiness in the Modern Financial Landscape Abstract In a surprising shift from earlier perceptions, Gen Z and Millennials are demonstrating stronger-than-expected credit performance, …
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Open Finance in the EU and UK: Empowering Consumers Through Data Sharing and Innovation Abstract Open Finance represents the next evolution in digital financial services, extending the principles …
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Electric Thoughts
Basel III Reforms 2025: Strengthening Global Banking Resilience through Capital and Risk Standards
Basel III Reforms 2025: Strengthening Global Banking Resilience through Capital and Risk Standards Abstract The Basel III Reforms, scheduled to take full effect on July 1, 2025, represent …
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Electric Thoughts
The Embedded Finance Revolution: How Financial Services Are Becoming Invisible Yet Ubiquitous
The Embedded Finance Revolution: How Financial Services Are Becoming Invisible Yet Ubiquitous Abstract Embedded finance is rapidly redefining how consumers access and interact with financial services. By integrating …
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Electric Thoughts
The Rise of Digital-Only Banks: How Neobanks Are Reshaping the Financial Landscape
The Rise of Digital-Only Banks: How Neobanks Are Reshaping the Financial Landscape Abstract Digital-only banks, commonly known as neobanks, have experienced exponential growth over the last decade. These …
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Agentic AI in Financial Services: The Next Frontier of Autonomous Decision-Making Abstract Agentic Artificial Intelligence (AI) is poised to reshape the future of financial services. Unlike traditional AI systems that …
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Generative AI and the Future of Wealth Management Abstract Generative Artificial Intelligence (AI) is transforming the financial services landscape, particularly in wealth management. By automating complex tasks and enabling sophisticated …
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Mathematics in Economics: An Academic Overview of Real-Valued Functions and Applications Abstract This article presents a comprehensive overview of foundational concepts in mathematics as applied to economics, based on university-level …
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🌐 Variables in the Extra-Operational Environment: A Business and Marketing Perspective Abstract The extra-operational environment includes all external variables that influence an organization but are beyond its direct control. These …
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