Electric Thoughts

  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 …

  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, …

  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 …

  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 …

  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 …

  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 …

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 …

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 …

  Bakery Production Planning Exercise A food company produces three types of bread: country bread, cornbread, and rye bread. All three types of bread must pass through three processing stages: …

  Linear Systems Exercise (a) If you know that the following system has a unique solution, prove without calculation that the second system also has a unique solution: System 1: …