This study meticulously explores the crucial elements precipitating corporate failures in Taiwan during the decade from 1999 to 2009. It proposes a new methodology, combining ANOVA and tuning the parameters of the classification so that its functional form describes the data best. Our analysis reveals the ten paramount factors, including Return on Capital ROA(C) before interest and depreciation, debt ratio percentage, consistent EPS across the last four seasons, Retained Earnings to Total Assets, Working Capital to Total Assets, dependency on borrowing, ratio of Current Liability to Assets, Net Value Per Share (B), the ratio of Working Capital to Equity, and the Liability-Assets Flag. This dual approach enables a more precise identification of the most instrumental variables in leading Taiwanese firms to bankruptcy based only on financial rather than including corporate governance variable. By employing a classification methodology adept at addressing class imbalance, we substantiate the significant influence these factors had on the incidence of bankruptcy among Taiwanese companies that rely solely on financial parameters. Thus, our methodology streamlines variable selection from 95 to 10 critical factors, improving bankruptcy prediction accuracy and outperforming Liang's 2016 results.

The study aimed to demonstrate that Palestinian banks have the potential to increase green financing by enhancing public sector understanding instead of focusing solely on the private sector, in addition to providing insights from employees of Palestinian banks listed on the Palestine Stock Exchange regarding the key challenges and opportunities related to green financing in Palestine specifically. It posed two central questions: What are the opportunities and challenges in implementing green finance in Palestine, and what level of government and private sector support exists? The study used the descriptive analytical approach, through interviews and surveys, the study targeted 10 heads of credit departments and a non-probability sample of 350 bank employees. The findings revealed a strong commitment from the government to promote green finance. At the same time, the private sector showed reluctance to engage in external investments. Key challenges included political instability and limited financial resources, though international aid was a significant opportunity to advance green finance. The study recommended increasing public awareness and fostering stronger coordination between the government and private sector, possibly incorporating competition from neighboring countries to further develop Palestine’s green finance strategy.

In the Fourth Industrial Revolution (4IR) era, the rapid digitalisation of services poses both opportunities and challenges for the banking sector. This study addresses how adopting artificial intelligence (AI) and online and mobile banking advancements can influence customer satisfaction, particularly in Kaduna State, Nigeria. Despite significant investments in AI and digital banking technologies, banks often struggle to align these innovations with customer expectations and satisfaction. Using Structural Equation Modeling (SEM), this research investigates the impact of customer satisfaction with online banking (C_O) on AI integration (I_A) and mobile banking convenience (C_M). The SEM model reveals that customer satisfaction with online banking significantly influences AI integration (path coefficient of 0.40) and mobile banking convenience (path coefficient of 0.68). These results highlight a crucial problem: while technological advancements in banking are growing, their effectiveness is highly dependent on customer satisfaction with existing digital services. The study underscores the need for banks to prioritise enhancing online banking experiences as a strategic lever to improve AI integration and mobile banking convenience. Consequently, the research recommends that Nigerian banks develop comprehensive frameworks to evaluate and optimise their technology integration strategies, ensuring that technological innovations align with customer needs and expectations in the rapidly evolving digital landscape.

This study examines the influence of organizational learning and boundary spanner agility in the bank agent business of Indonesia’s financial inclusion. This study is based on quantitative studies of 325 bank agents in Indonesia. The results of this research strongly show that organizational learning has a significant impact on boundary spanners’ agility to achieve both financial and non-financial performance. This study presents a novel finding that organization learning with a commitment to apply and encourage learning activities and agility with improved responsiveness and resilience boundary spanners can achieve bank agent performance. Organizational learning of bank agents needs to improve commitment to apply and encourage learning activities, always be open to new ideas, and create shared vision and knowledge transfer mechanisms. Organizational agility in bank agents need also to improve the capability to be more responsive and adaptable to culture changes in a volatile environment. This research provides valuable insights to policymakers, banking supervisors, bank top management teams, and researchers on the factors that may improve the effectiveness of the agency banking business to promote financial inclusion. Participating banks in the agent banking business need to set a clear vision, scope, and priority of strategy to encourage organizational learning and agility.

This research aims to determine the strategy of the Jakarta Provincial Government in increasing the resilience and growth of small and medium enterprises (SMEs) within a collaborative governance framework post-COVID-19. This study explores the effectiveness of SMEs and facilities in accessing financing and fostering collaborative partnerships between SMEs, government agencies, and financial institutions by utilizing USAID’s Theory of Change (TOC). This research uses a qualitative approach supported by in-depth interviews and Focus Group Discussions to enrich the insights of SME stakeholders, large companies, and SME actors and assess the impact of their roles. The results of this research highlight the critical role of SME Cooperative Banks (SCB) in improving SMEs’ access to credit and financial services, including collaborative governance frameworks and partnerships between SMEs, government agencies, and banks, which were identified as necessary to improve policy coherence and encourage conducive SME business environment conditions. The main findings of this research underscore the importance of the SCB model, demonstrating its potential to improve SME resilience and economic sustainability. This SCB model enriches the TOC indicators introduced by USAID. The study identifies gaps in digital infrastructure and market access that hinder SME growth and recommends targeted interventions to address these challenges. This study shows that SCB offers a promising pathway to increase the resilience and growth of SMEs in Indonesia, especially if accompanied by effective collaborative governance strategies. These initiatives can encourage inclusive economic development and strengthen the role of SMEs as drivers of the local economy. Recommendations include expanding the SCB model to other regions, encouraging digitalization, facilitating market access, advocating for a supportive policy framework, and integrating these strategies to advance the principles of USAID’s Theory of Change, fostering sustainable SME development and economic resilience.