This study investigates the evolution of monetary policy in Ghana and explores the potential of Central Bank Digital Currencies (CBDCs), specifically the e-Cedi, as a tool to enhance financial inclusion and modernize the country’s financial system. Ghana’s monetary policy framework has undergone significant transformations since the establishment of the Bank of Ghana in 1957, with notable achievements in stabilizing the economy and managing inflation. However, large segments of the population, particularly in rural areas, remain unbanked or underbanked, highlighting the limitations of traditional monetary tools. The introduction of the e-Cedi presents an opportunity to bridge these gaps by providing secure, efficient, and accessible financial services to underserved communities. The study employs a qualitative research design, integrating historical analysis, case studies, and thematic analysis to assess the potential benefits and challenges of CBDCs in Ghana. Key findings indicate that while the e-Cedi could significantly enhance financial inclusion, challenges related to technological infrastructure, cybersecurity, and public trust must be addressed. The study concludes that a balanced approach, which prioritizes digital infrastructure development, strong cybersecurity measures, and collaboration with financial institutions, is essential for maximizing the potential of CBDCs in Ghana. Recommendations for future research include a deeper exploration of the impact of CBDCs on financial stability and further analysis of rural adoption barriers.

To fight inflation, European Central Bank (ECB) announced 10 successive interest rate hikes, starting on 27 July 2022, igniting an unprecedented widening of interest rate spreads in the euro area (ΕΑ). Greek banks, however, recorded among the highest interest rate spreads, far exceeding ΕΑ median and weighted average. Indeed, we document a strong asymmetric response of Greek banks to ECB interest rate hikes, with loan interest rates rising immediately, whilst deposit interest rates remained initially unchanged and then rose sluggishly. As a result, the interest rate spread hit one historical record after another. Greek systemic banks, probably taking advantage of the high concentration and low competition in the domestic sector benefited from key ECB interest rate hikes, recording gigantic increases in net interest income (NII), and consequently, substantial profits (almost €7.4 billion in the 2022–2023 biennium). Such excessive accumulation of profits (that deteriorates the living conditions of consumers) by the banking system could be called the inflation of “banking greed”, or bankflation. This new source of inflation created by the oligopolistic structure of the Greek banking sector counterworks the very reason for ECB interest rate increases and requires certain policy analysis recommendations in coping with it.

This study aims to explore the urban resilience strategies and public service innovations approaches adopted by the Shanghai Government in response to COVID-19 pandemic. The study utilized a combination of primary and secondary data sources, such as government reports, policy documents, and interviews with important individuals involved in the matter. The current research focused on qualitative data and examined the different aspects resilience, including infrastructure, economy, society, ecology, and organizations. The findings indicate that infrastructure resilience plays a crucial role in maintaining the stability and dependability of essential public facilities, achieved through online education and intelligent transportation systems. Implementing rigorous waste management and pollution control measures with a focus on ecological resilience has significantly promoted environmentally sustainable development. Shanghai city has achieved economic resilience by stabilizing its finances and providing support to businesses through investments in research, technology and education. Shanghai city has enhanced its organizational resilience by fostering collaboration across several sectors, bolstering emergency management tactics and enhancing policy execution.

National unity is a matter of great concern for many countries around the world today. The study of policy evaluation is an important aspect of the study of national unity. The evaluation of policy implementation effects can help policymakers analyze whether there are problems in the formulation and implementation of the policy, thereby promoting further policy adjustments to better achieve national unity. This article adopts thematic searches and a systematic literature review as research methods. Through the systematic review, it summarizes and analyzes the research on national unity policies across different regions and countries. The article has two objectives: First, to explore the current perspectives in the research on national unity policies, and second, to analyze the state of research regarding the effectiveness of national unity policies. Among the 35 papers analyzed, 7 were on integration policy, 6 were on education policy and 4 were on language policy. To a certain extent, this reflects the perspectives of some countries in Europe, Asia and Africa, including France, Greece, Russia, Turkey, China, Sri Lanka, Nepal, Kenya, South Africa, Nigeria and other countries on the governance of national unity. Research on policy effectiveness is mainly conducted from the perspectives of policy content and policy implementation. However, there is little analysis of successful cases that achieved the desired goals. The main contributions of this article are as follows: first, it summarizes and identifies the characteristics of national solidarity-related policies in different continents and countries. Secondly, the experience of the success and failure of the national unity policy is studied and summarized. In addition, this article also found that there are still gaps in the research on successful experiences and causes.

Technological advancements are transforming agriculture, yet adoption rates among agricultural extension officers, especially in regions like West Java, remain modest due to several challenges. This study applies the Technology Acceptance Model (TAM) to investigate factors influencing the adoption of agricultural technologies by agricultural extension officers in West Java. Specifically, we explore the role of socialization, training, access to technology, cost, perceived ease of use, and perceived usefulness in shaping behavioral intention and actual adoption. Data were collected from 295 agricultural extension officers via structured surveys and analyzed using SmartPLS 4 software. The findings indicate that socialization and training collectively enhance both perceived ease of use and perceived usefulness, while Technology Investment Worth specifically enhances perceived usefulness by emphasizing the value of the investment. Access to technology also plays a critical role in increasing ease of use perceptions. Both perceived ease of use and usefulness positively influence behavioral intention, which in turn is a strong predictor of actual adoption. The results provide valuable insights for policymakers aiming to increase technology uptake among agricultural extension officers, promoting sustainable agricultural practices through improved access, support, and cost reduction initiatives.