Introduction The Netherlands, known for its high quality of life and robust welfare system, is now facing a severe housing crisis—one that is testing the limits of its economic …
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Electric Thoughts
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Casino Capitalism and the 2008 Financial Crisis Casino capitalism is a term popularized by economist Susan Strange, referring to a financial system dominated by speculative, high-risk behavior driven by short-term …
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🏛️ Regulatory Easing in the U.S.: A Shift Toward Streamlined Oversight Abstract In 2025, the United States is experiencing a wave of regulatory easing, aimed at reducing the compliance …
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💷 UK Financial Services and the Return of the Mega Bonus Abstract In 2025, UK financial services professionals received the highest bonuses in the world, a direct consequence of …
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Electric Thoughts
Cautious Spending in 2025: Why Consumers Prioritize Savings Amid Financial Optimism
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 …