FinTech and SME Credit in North Macedonia: Alternative-Data Risk Scoring Models and Regulatory Implications
Small and medium-sized enterprises (SMEs) in North Macedonia remain strongly
dependent on bank credit, while many firms face “thin-file”...
Small and medium-sized enterprises (SMEs) in North Macedonia remain strongly
dependent on bank credit, while many firms face “thin-file”...
Social media has become embedded in daily work routines, shaping communication
patterns and affecting attention, task execution, and exposure...
This paper examines the interaction between market liquidity, volatility, and
exchange-traded fund (ETF) arbitrage activity in Canadian...
This paper investigates the impact of digitization of financial inclusion (DFI) on
small and medium enterprises (SME) productivity on one...
Inflation persistence is central to monetary policy design because it governs
the output costs of disinflation and the speed at which shocks...
Software-as-a-Service (SaaS) concentrates business-critical data and identity
workflows into always-on, internet-exposed systems, making it a...
This study examines how U.S. monetary policy shocks are transmitted to the
Canadian financial system, with particular emphasis on housing...
This study examines how artificial intelligence (AI) and digital adoption reshape
labor-market transitions in Pakistan and whether these...
The aim of this paper is to examine the practical application of SME accounting
within the institutional framework and regulatory context in...