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Research on digital transformation of banking industry must be associated with digital economy, digital society, green economy in Vietnam
Get PDFThe development of banking is an important factor in the economic development of the country and there have been many changes in the banking industry. These changes can be attributed to the development of technology: the popularity of mobile phones, the ability to access the Internet anytime, anywhere, the rapidly developing digital banking system... In the past few years, the finance - banking industry has been going through an important digital transformation period. However, in the strong development trend of technology, the banking system also faces many challenges, requiring a stronger transformation to be able to grasp digital technology trends, thereby applying and improving the quality of its products and services, making financial services more available, competitive and cost-effective. The purpose of this article is to provide an overview of technology trends in banking, challenges and make some recommendations.
Keywords: Digital Transformation, Banking Industry, Digital Economy
Designing financial products for non-banking institutions: Global perspectives and applications
Get PDFNon-banking institutions (NBIs) are vital in promoting financial inclusion and addressing the needs of underserved populations worldwide. This paper explores the strategic design of financial products tailored to NBIs, highlighting their significance in global financial systems. It provides a comprehensive theoretical framework, discussing key concepts and economic principles that underscore the demand for specialized products. Global trends and challenges, including regional variations, regulatory complexities, and technological barriers, are examined alongside examples of innovative financial solutions. Strategic considerations for designing these products emphasize principles such as customization, affordability, and scalability, while leveraging technology, data analytics, and partnerships to enhance product innovation. The paper concludes by offering recommendations for policymakers, financial institutions, and non-banking entities to foster innovation, scalability, and equitable financial access. This study aims to provide actionable insights to strengthen the role of NBIs in creating inclusive and sustainable financial ecosystems.
Keywords: Non-Banking Institutions, Financial Inclusion, Tailored Financial Products, Technology-Driven Innovation, Global Financial Systems, Policy and Regulation
Optimizing urban mobility with multi-modal transportation solutions: A digital approach to sustainable infrastructure
Get PDFUrban areas worldwide face significant transportation challenges due to increasing population density, traffic congestion, and environmental concerns. This study explores multi-modal transportation as a solution to optimize urban mobility, reduce congestion, and lower emissions. Multi-modal transportation combines various modes—such as buses, trains, bicycles, ride-sharing, and pedestrian pathways—enabling seamless and efficient travel within urban spaces. Through an integrative analysis of existing multi-modal systems, this research identifies key success factors, including infrastructure integration, data-sharing platforms, and real-time journey planning. Additionally, we examine the role of emerging technologies, such as artificial intelligence (AI), the Internet of Things (IoT), and blockchain, in enhancing multi-modal transit efficiency. These technologies improve route optimization, traffic management, and user experience by enabling real-time data exchange and flexible scheduling. The study includes case studies from cities that have successfully implemented multi-modal systems, illustrating practical challenges and opportunities. Findings suggest that, with strategic investments and policy support, multi-modal transportation can significantly enhance urban mobility, decrease environmental impact, and improve accessibility. The study provides recommendations for city planners, policymakers, and transportation providers on adopting and scaling multi-modal transportation solutions to meet urban mobility demands sustainably.
Keywords: Urban Mobility, Traffic Congestion, Sustainable Transport, Blockchain, Smart City Planning
Optimizing pharmaceutical supply chain management through AI-driven predictive analytics: A conceptual framework
Get PDFThe pharmaceutical supply chain is a complex, multi-layered system that faces unique challenges, including fluctuating demand, stringent regulatory requirements, and logistical constraints. This paper explores the role of AI-driven predictive analytics in optimizing pharmaceutical supply chain management, presenting a conceptual framework that enables companies to leverage advanced data analytics for improved decision-making, risk management, and operational efficiency. Key AI techniques, such as machine learning, data mining, and predictive demand forecasting, are discussed as tools for addressing critical supply chain issues, including inventory optimization, demand variability, and regulatory compliance. The proposed framework details essential components—data collection, processing, integration with existing systems, and real-time decision-making—and outlines critical success factors for effective implementation. By offering insights into the transformative potential of predictive analytics, this paper provides actionable recommendations for pharmaceutical companies seeking to build resilient and responsive supply chains. Future research directions are also proposed, emphasizing the need for adaptable predictive models and the ethical implications of AI applications in pharmaceuticals.
Keywords: Pharmaceutical Supply Chain, AI-driven Predictive Analytics, Machine Learning, Demand Forecasting, Inventory Optimization, Regulatory Compliance
Equity in healthcare supply chain access: a narrative review of challenges and strategies in the U.S.
Get PDFThis article presents a narrative review of some challenges and strategies associated with the healthcare supply chain in the USA. The healthcare supply chain, which includes manufacturers, distributors, providers, and patients plays a critical role in ensuring cost-effective and timely delivery of medical products and services. However, access to these resources is hindered by some significant disparities, impacting health outcomes, and complicating existing inequities. Some key barriers to equitable healthcare supply chain access include geographical disparities between rural and urban areas, socioeconomic factors such as income inequality, racial and ethnic disparities, technological gaps, and regulatory challenges. This review also explores strategies for improving equity, including strategies for improving equity such as policy interventions, technological solutions, community-based approaches, supply chain optimization, and workforce development. By analyzing case studies of successful implementations and lessons learned from challenges, this review aims to inform policy, practice, and future research in healthcare supply chain management and health equity. The paper also highlights the relevance of this topic pointing to the current healthcare reforms and increased focus on health inequality. Finally, it stresses the potential impact of solving these challenges by adopting policy interventions, technological innovations, community engagement, and systemic changes in healthcare delivery and supply chain management.
Keywords: Supply Chain, Health Equity, Risk Management, Healthcare
MANAGEMENT OF TEACHING STAFF AT LOCAL UNIVERSITY BY JOB POSITION
No full textManaging lecturers at local universities is an ongoing process to help them become more and more complete in all aspects, meeting the quality of education and training requirements in the conditions of industrialization - modernization, and international integration. The article analyzes and clarifies the importance and content of the management of lecturers in local universities according to job positions, thereby proposing measures to manage lecturers, contributing to improving the training quality of local universities in the current context.
Keywords: Teaching Staff, Job Placement, Local University
AI-DRIVEN PREDICTIVE ANALYTICS IN RETAIL: A REVIEW OF EMERGING TRENDS AND CUSTOMER ENGAGEMENT STRATEGIES
No full textAs the retail landscape undergoes a profound transformation in the era of digitalization, the integration of Artificial Intelligence (AI) and predictive analytics has emerged as a pivotal force reshaping the industry. This paper provides a comprehensive review of the latest trends in AI-driven predictive analytics within the retail sector and explores innovative customer engagement strategies that leverage these advanced technologies. The review begins by elucidating the foundational concepts of AI and predictive analytics, highlighting their synergistic role in forecasting consumer behavior, demand patterns, and market trends. The paper then delves into the emerging trends, such as machine learning algorithms, natural language processing, and computer vision, that are revolutionizing the way retailers harness data for strategic decision-making. In addition to outlining technological advancements, the paper emphasizes the crucial role of data quality and ethical considerations in the implementation of AI-driven predictive analytics. It examines the challenges associated with privacy concerns, algorithmic bias, and the need for transparent AI models to ensure responsible and fair use of customer data. Furthermore, the paper explores a spectrum of customer engagement strategies enabled by AI-driven predictive analytics. From personalized shopping experiences and targeted marketing campaigns to dynamic pricing and inventory optimization, retailers are deploying innovative approaches to enhance customer satisfaction and loyalty. The review also discusses case studies of successful AI implementations in leading retail enterprises, showcasing tangible benefits such as improved operational efficiency, increased sales, and enhanced customer retention. These real-world examples illustrate the transformative impact of AI-driven predictive analytics on diverse aspects of the retail value chain. By examining emerging trends and customer engagement strategies, it serves as a valuable resource for industry professionals, researchers, and policymakers seeking to navigate the evolving landscape of AI in the retail sector.
Keywords: AI-driven Predictive Analytics, Retail Industry, Customer Engagement Strategies, Machine Learning Algorithms, Natural Language Processing
THE ROLE OF GOVERNMENT POLICY IN FOSTERING ENTREPRENEURSHIP: A USA AND AFRICA REVIEW
No full textThis Review explores the crucial role of government policies in fostering entrepreneurship by examining the experiences of the United States (USA) and various African nations. Entrepreneurship is a driving force for economic growth, job creation, and innovation, and government policies play a pivotal role in shaping the entrepreneurial landscape. In the USA, a robust history of entrepreneurial success is attributed in part to supportive government policies. The Review delves into specific policies that have contributed to fostering entrepreneurship, including tax incentives, access to funding through Small Business Administration (SBA) programs, and initiatives promoting innovation and research. The analysis extends to the regulatory environment, emphasizing the importance of flexible regulations that encourage innovation while ensuring consumer protection. Turning attention to Africa, the Review explores the diversity of government approaches across the continent. It considers initiatives implemented by African nations to promote entrepreneurship, such as the establishment of entrepreneurial ecosystems, funding mechanisms for startups, and efforts to streamline regulatory frameworks. The review acknowledges the unique challenges faced by African entrepreneurs, including limited access to capital and infrastructure constraints, and evaluates how government policies aim to address these issues. The comparative analysis highlights lessons that African nations can draw from the USA's successful policies, such as the importance of fostering a culture of innovation, providing targeted financial support, and creating an enabling regulatory environment. Moreover, it emphasizes the need for context-specific policies that consider the unique socio-economic conditions of each African nation. In conclusion, the Review underscores the critical role of government policy in nurturing entrepreneurship, drawing insights from the USA's experience and the varied approaches across African nations. It calls for a nuanced understanding of the diverse African entrepreneurial landscape and encourages policymakers to tailor initiatives that catalyze entrepreneurship, driving economic development across the continent.
Keywords: Role, Government, Policy, Fostering, Entrepreneurship
FINANCIAL INCLUSION THROUGH TECHNOLOGY: A REVIEW OF TRENDS IN EMERGING MARKETS
No full textFinancial inclusion, the universal access to affordable financial services, has emerged as a critical component for fostering economic development, especially in emerging markets. This study presents a comprehensive review of trends in financial inclusion through technology, focusing on its transformative impact in emerging markets. In recent years, technological advancements have paved the way for innovative financial solutions, breaking down traditional barriers to access and bridging gaps in financial services. Mobile banking, digital wallets, and blockchain technologies have become instrumental tools in extending financial services to previously underserved populations. This review delves into the key trends shaping the landscape of financial inclusion in emerging markets, highlighting the role of technology as an enabler. The rise of mobile banking has been a game-changer, allowing individuals with limited access to traditional banking infrastructure to conduct financial transactions seamlessly. Digital wallets have gained prominence, offering a secure and convenient means for users to store, transfer, and receive money. Blockchain technology, with its decentralized and transparent nature, has facilitated the development of innovative financial products like cryptocurrencies, providing alternative avenues for financial inclusion. However, challenges persist, including concerns related to data security, regulatory frameworks, and the digital literacy of users. The review critically examines these challenges and explores potential solutions to ensure the sustainable growth of financial inclusion initiatives in emerging markets. Moreover, the COVID-19 pandemic has underscored the importance of resilient and accessible financial systems. The review assesses the pandemic's impact on financial inclusion trends, highlighting both the vulnerabilities exposed and the opportunities for further integration of technology in addressing economic shocks. This review contributes to the evolving discourse on financial inclusion through technology in emerging markets. By identifying trends, challenges, and opportunities, it offers valuable insights for policymakers, financial institutions, and technology innovators seeking to drive inclusive economic growth through technological interventions.
Keywords: Finance, Technology, Emerging Markets, Financial Inclusion, Review
PRIVACY LAW CHALLENGES IN THE DIGITAL AGE: A GLOBAL REVIEW OF LEGISLATION AND ENFORCEMENT
No full textAs the world becomes increasingly interconnected through digital technologies, the protection of individuals' privacy has emerged as a critical concern. This paper conducts a comprehensive global review of privacy legislation and enforcement mechanisms, shedding light on the challenges posed by the digital age. With a focus on the intricate balance between technological advancements and the fundamental right to privacy, the study explores the evolving legal landscape and its implications for individuals, businesses, and governments. The analysis encompasses diverse jurisdictions, highlighting the variations in privacy laws and enforcement approaches across regions. From the European Union's robust General Data Protection Regulation (GDPR) to the nuanced approaches in Asia and the Americas, this review synthesizes the evolving regulatory frameworks. Special attention is given to emerging issues such as the use of artificial intelligence, biometrics, and surveillance technologies, which pose unique challenges to existing privacy paradigms. Moreover, the paper investigates the effectiveness of enforcement mechanisms in ensuring compliance with privacy laws. It examines the role of governmental agencies, regulatory bodies, and international collaborations in addressing cross-border data flows and global privacy challenges. The study also evaluates the impact of recent high-profile privacy incidents on shaping legislative responses and enforcement strategies. By presenting a holistic view of privacy law challenges in the digital age, this research contributes to the ongoing discourse on safeguarding individuals' privacy rights in an era of rapid technological innovation. The findings provide valuable insights for policymakers, legal practitioners, businesses, and individuals seeking a deeper understanding of the evolving dynamics surrounding privacy legislation and enforcement on a global scale.
Keywords: Law, Privacy Law, Digital Age, Review, Data Protection