The incorporation of artificial intelligence (AI) technologies into banking operations is attracting growing interest worldwide due to its ability to promote efficiency optimisation, risk reduction, and improved profitability. Major markets such as China and India have already demonstrated the positive impact of AI, particularly through intelligent credit scoring and conversational chatbots, thereby enhancing customer satisfaction. However, the Moroccan context remains understudied, despite the banking landscape gradually becoming more digitalised, and there being an urgent need for innovations focused on improving the customer experience in terms of personalisation, trust, and user-friendliness.
To address this issue, we will conduct a systematic review of academic literature published between 2020 and 2025, adopting the PRISMA protocol. Focusing our research on Scopus, Web of Science, and IEEE Xplore enabled us to identify and select around 30 studies that met our strict criteria (application of AI in banking, financial performance, customer satisfaction measures, etc.). The selected articles were coded and analysed based on their empirical and methodological contributions.
The results highlight the beneficial overall effect of AI on banking performance, including profitability, risk management, and operational efficiency, while emphasising the importance of trust and personalisation in improving the customer experience. In Morocco, the scarcity of empirical data makes targeted research necessary in order to assess the concrete impact of AI on local banks and support their digital transformation. In conclusion, this review suggests several areas for future research and offers a framework to inform AI adoption strategies in emerging banking institutions.
The article examines the demand for the higher education system and measures of post-educational migration of university graduates at the regional level. A typology of regions of the Russian Federation is presented based on a combination of two indicators of the demand for the regional higher education system among school graduates and the migration of university graduates from these regions, which allows measuring the state of the system both at the “input” and at the “output” according to data of 2024.The authors highlight the impact of post-educational migration on the regional economies and the risks posed by the differentiation in demand for the higher education system in various regions of the Russian Federation.
History (General) and history of Europe, Economics as a science
"Hunting" has now become a prominent tourism motive and the role of "hunting tourism" in shaping the image of the country and destination has become clear. Hunting tourism can be considered as a form of niche tourism, a form of tourism in an authentic environment, motivated by special interests and therefore only reaching a limited group of consumers. The number of foreign guest hunters visiting Hungary is steadily increasing, reaching 29,000 in 2022. Foreign hunters visiting our country are involved in the service process developed by the hunters, with the assistance of the service providers. Their satisfaction or dissatisfaction with a particular service provider is based on their experience of each service element, but their experience also fundamentally influences and shapes the image of the destination and the country. In addition to the species of game to be hunted, the image characteristics, beliefs and experiences associated with the hunting area are also an important factor in the decision of guests, which is why branding, i.e. communicating the value and uniqueness of the experiences offered in a credible and convincing way, and thus clearly distinguishing themselves from their competitors, has become a priority for players in the hunting tourism sector. The organisation is the only one in the world to have been awarded the "Edmond Blanc" award by the International Council for Game and Wildlife Conservation on 2 occasions, with 60,000 hectares of land, which currently produces a world record number of fallow deer trophies. The Gúth Forestry welcomes around 500 guest hunters a year, with an average stay of 3 days. The aim of this case study is to show how the 5-step brand pyramid - based on the integration of objective characteristics and guest perceptions - can be used to identify the distinctive character traits that provide the basis for positioning in a hunting area with international appeal.
The article explores which financial instruments have the highest potential to deliver the transition to a low-carbon economy in Romania, given the structure of the national economy. Based on a Scopus comprehensive query resulting in 364 analysed articles on green and sustainable finance in Romania, the paper fills a research gap by looking not only at stakeholders' perception of this emerging field in Romania or by describing different kinds of green financial instruments, but by analysing which instruments are most likely to have the highest leverage and impact to mobilize finance towards decarbonizing the local economy. The banking sector in Romania accounts for 75% of total financial system assets, total net assets in the Romanian banking sector amounting to approx. 140 bio. EUR and dwarfing the Stock Exchange, bonds, European Structural and Investment Funds, etc. While green bonds have seen double digit growths, green loans and other banking instruments (debt denial, etc.) have the highest potential to decarbonize the national economy most effectively.
Economics as a science, Business records management
The concept of co-production offers a solution to some of the challenges facing modern societies. It provides an original model for relationship building and a platform for initiating and managing the practicalities between the state and citizenry. When scaled down to the local level, co-production takes on a special role, i.e., public administration liaises directly with citizens through public services. Subsequently, there is value to be gained in observing how co-production develops in this domain. The main purpose of this article is to present the findings regarding the potential co-production has in the implementation of three types of local civic initiatives (Participatory Budget, Local Initiative, Village Fund), all of which may be optionally undertaken in Polish local governments. The empirical basis for this study is the author’s research, conducted in forty-one cities and towns forming one of Polish metropolis GZM.
Management. Industrial management, Economics as a science
The article actualizes the issue of studying the experience of forming an effective management system of social protection of the population of the region. The paper considers the main socio-geographical, natural and climatic features of the region, ethno-cultural features that determine the formation of an effective social protection management system of the republic. The author notes that the underestimation of these features of the formation of the social protection management system in the Altai Republic significantly reduces its effectiveness. The study considers the structural divisions of the Ministry of Labor, Social Development and Employment of the Population of the Altai Republic and subordinate institutions. As a result of the analysis of Internet resources as well as theoretical analysis of the reports of the Ministry of Labor, Social Development and Employment of the Altai Republic, problematic areas of the functioning of the social protection management system of the republic were identified.
This paper analyzes how the current Global Value Chain (GVC) of East Asia has been established, and attempts to project the future trajectory of GVC under New Normal in the global trading system. For this purpose, the framework of Ideology-Technology-Institution nexus is presented with focus on the dynamics of interplay between ideology and technology, duly recognizing the dual-aspect of technology- a platform for business and also for national defense. The paper analyzes how the Information and Communication Technology (ICT) of the 1990s played a role of “facilitator” in shaping the GVC of East Asia, where China plays ‘factory for final assembly’ and the US plays ‘the largest consumer’. Under New Normal, digital technology is likely to play the opposite role of “disrupting” the GVC of East Asia, unlike ICT. The paper explores the mechanism behind this great disruption. What is driving New Normal is the US-China power competition, seeking for dominance in East Asia and beyond. This paper argues that New Normal is not temporary shock, but will last for some time. Under this presumption, the paper presents three scenarios for the future trajectory of GVC in East Asia.
The article deals with the integration of large and small businesses in order to increase mutual effectiveness. Currently, large business, mainly in form of transnational and national corporations, is the foundation of the economy on a global and national scale, dominating in international trade, high technology, infrastructure and nature-exploiting industries. However, large business does not have enough mobility, it appears unable to respond quickly to the environmental turbulence. In its turn, small business demonstrates the quick response to changes in the environment, but has less resistance to the disturbance of the environment, which makes it vulnerable to market challenges. The integration of large and small businesses will be useful for both sides. The forms of such integration may be different. However, in any case, it will entail synergistic and complementary effects. The overview of the Perm region's industry by sectors (fuel and chemical industry, machine building, agriculture, construction and transport complexes), which is provided in the article, leads to the conclusion that the region's economy, focused on large business, is going through hard times. The main idea of the article is that the integration of small and medium-sized businesses with large business of the Perm region will provide a complementary and synergistic effects, which will allow for implementing a strategy for the development of the Perm region based on stirring up the investment, innovation and modernization components of the region's production and economic complex. The presented structure of small business testifies to the possibility of the integration.
Żbikowski Jarosław, Siedlecka Agnieszka, Kuźmicki Marek
Subject and purpose of work: The aim of the conducted research and analyzes was the attempt to assess the impact of selected factors over tourist activity of people with disabilities and factors related to the immediate environment of people with disabilities
Regional economics. Space in economics, Economics as a science
Edgar A. Sánchez-Báez, José Fernández-Serrano , Isidoro Romero
This paper analyzes the effects of entrepreneurs’ personal values and their entrepreneurial
attitudes, as forms of intellectual capital, on the innovative behavior of small businesses.
The influence of personal values is examined through Schwartz's value theory and
entrepreneurial attitudes via assessments associated with risk taking and personal
autonomy. A model of structural equations using the Partial Least Squares technique was
applied to a database composed of 191 small business owners in Paraguay. The results
show that personal values of conservation and self-enhancement in the entrepreneur have a
direct negative effect on innovation. It is also noted that entrepreneurial attitudes, such as
openness to change and self-transcendence, have a mediating role in the positive impact of
values on innovation. The article contributes to the literature by showing that some
elements of intellectual capital, such as entrepreneurial attitudes and entrepreneurs’
personal values, interact to influence innovation in small businesses.
Islam affirms that there stand for mutual affect in business processes, until the business practice as a work field recommended to the adherents; while discussing ethics of business activity poped out to minimize cheating and fraud activities. However, Islamic business ethics felt difficult to apply in practice, especially in the business of buying and selling. Modern Islamic Boarding School “Darussalam†Gontor is one of the self-financing and self-help islamic boarding schools in the economic supported by cooperatives in pesantren (koppontren). This paper aims to comprehensively understand the application of Islamic business ethics and focus on the entrepreneurs in business sectors Gontor La-Tansa’s cooperatives. This research had systematically employed mix method research with sequential explanatory design and case study. Gathering data through using questionnaires, interviews, observation and documentation has been performing analysis through data reduction, data display, and data verification. This paper argues that Gontor La-Tansa’s cooperatives sector can run the business activities with implementing business ethics according to the Qur’an and Sunna values. Appear from the height comprehension of the business to the axiom business ethics and the height application in business activities in each business sector. In addition, the role of kiai and business unit supervisor is high. Data displays a level of the height direction (80 percent) and control on the application of business ethics (72 percent). The Islamic business ethics can be applied on firm’s and government’s law with height comprehension and controlling.
Keyword: Islamic business ethics, Gontor, pesantren, kiaiÂ
The article presents analytical data on the effectiveness of sales through dealer networks in Russia and in Europe, as well as their growth prospects for 2018. Against this background the quantitative dynamics of dealer centers in Russia for the period from 2013-2017. The factors of influence of economic instability on dealer networks, as well as examples of closing of the largest dealer centers in Russia, are given. The zones of opening of new dealer centers in the regions of the Russian Federation by the largest global concerns are listed.
A search for $C$P and $P$ violation using triple-product asymmetries is performed with $Λ^{0}_{b}\to pK^{-}π^{+}π^{-}$, $Λ^{0}_{b}\to pK^{-}K^{+}K^{-}$ and $Ξ^{0}_{b}\to pK^{-}K^{-}π^{+}$ decays. The data sample corresponds to integrated luminosities of 1.0fb$^{-1}$ and 2.0fb$^{-1}$, recorded with the LHCb detector at centre-of-mass energies of 7TeV and 8TeV, respectively. The $CP$- and $P$-violating asymmetries are measured both integrating over all phase space and in specific phase-space regions. No significant deviation from $CP$ or $P$ symmetry is found. The first observation of $Λ^{0}_{b}\to pK^{-}χ_{c0}(1P)(\toπ^{+}π^{-}, K^{+}K^{-})$ decay is also reported.
Measurements are reported of the central exclusive production of \jpsi and \psitwos mesons in $pp$ collisions at a centre-of-mass energy of 13 TeV. Backgrounds are significantly reduced compared to previous measurements made at lower energies through the use of new forward shower counters. The products of the cross-sections and the branching fractions for the decays to dimuons, where both muons are within the pseudorapidity range $2.0<η<4.5$, are measured to be $$ \begin{array}{rcl} σ_{J/ψ\rightarrowμ^+μ^-}&=&435 \pm 18 \pm 17 \pm 16 {\rm \ pb},\\ σ_{ψ(2S)\rightarrowμ^+μ^-}&=&11.1 \pm 1.1 \pm 0.3 \pm 0.4 {\rm \ pb}.\\ \end{array} $$ The first uncertainties are statistical, the second are systematic, and the third are due to the luminosity determination. The cross-sections are also measured differentially for meson rapidities between 2.0 and 4.5. Good agreement is observed with theoretical predictions. Photoproduction cross-sections are derived and compared to previous experiments, and a deviation from a pure power-law extrapolation of lower energy data is observed.
A binned Dalitz plot analysis of $B^\pm \to D K^\pm$ decays, with $D\to K_\text{S}^0π^+π^-$ and $D\to K_\text{S}^0K^+K^-$, is used to perform a measurement of the CP-violating observables $x_{\pm}$ and $y_{\pm}$, which are sensitive to the Cabibbo-Kobayashi-Maskawa angle $γ$. The analysis is performed without assuming any $D$ decay model, through the use of information on the strong-phase variation over the Dalitz plot from the CLEO collaboration. Using a sample of proton-proton collision data collected with the LHCb experiment in 2015 and 2016, and corresponding to an integrated luminosity of 2.0$\,\text{fb}^{-1}$, the values of the CP violation parameters are found to be $x_- = ( 9.0 \pm 1.7 \pm 0.7 \pm 0.4) \times 10^{-2}$, $y_- = ( 2.1 \pm 2.2 \pm 0.5 \pm 1.1) \times 10^{-2}$, $x_+ = (- 7.7 \pm 1.9 \pm 0.7 \pm 0.4) \times 10^{-2}$, and $y_+ = (- 1.0 \pm 1.9 \pm 0.4 \pm 0.9) \times 10^{-2}$. The first uncertainty is statistical, the second is systematic, and the third is due to the uncertainty on the strong-phase measurements. These values are used to obtain $γ= \left(87\,^{+11}_{-12}\right)^\circ$, $r_B = 0.086^{+ 0.013}_{-0.014}$, and $δ_B = (101 \pm 11)^\circ$, where $r_B$ is the ratio between the suppressed and favoured $B$-decay amplitudes and $δ_B$ is the corresponding strong-interaction phase difference. This measurement is combined with the result obtained using 2011 and 2012 data collected with the \lhcb experiment, to give $γ= \left(80\,^{+10}_{\,-9}\right)^\circ$, $r_B = 0.080 \pm 0.011$, and $δ_B = (110 \pm 10)^\circ$.
A measurement of the $CP$ asymmetries $S_{f}$ and $S_{\bar{f}}$ in $B^0\to D^{\mp}π^{\pm}$ decays is reported. The decays are reconstructed in a dataset collected with the LHCb experiment in proton-proton collisions at centre-of-mass energies of 7 and 8 TeV and corresponding to an integrated luminosity of $3.0 \rm{ fb}^{-1}$. The $CP$ asymmetries are measured to be $S_{f} = 0.058 \pm 0.020 (\rm{stat}) \pm 0.011(\rm{syst})$ and $S_{\bar{f}} = 0.038\pm 0.020 (\text{stat})\pm 0.007 (\text{syst})$. These results are in agreement with, and more precise than, previous determinations. They are used to constrain $|\sin\left(2β+γ\right)|$ and $γ$ to intervals that are consistent with the current world-average values.
A search for the decay $B_{s}^0 \rightarrow \overline{K}{}^{*0}μ^+μ^-$ is presented using data sets corresponding to 1.0, 2.0 and 1.6 $\text{fb}^{-1}$ of integrated luminosity collected during $pp$ collisions with the LHCb experiment at centre-of-mass energies of 7, 8 and 13 TeV, respectively. An excess is found over the background-only hypothesis with a significance of 3.4 standard deviations. The branching fraction of the $B_{s}^0 \rightarrow \overline{K}{}^{*0}μ^+μ^-$ decay is determined to be $\mathcal{B}(B_{s}^0 \rightarrow \overline{K}{}^{*0}μ^+μ^-) = [2.9 \pm 1.0~(\text{stat}) \pm 0.2~(\text{syst}) \pm 0.3~(\text{norm})] \times 10^{-8}$, where the first and second uncertainties are statistical and systematic, respectively. The third uncertainty is due to limited knowledge of external parameters used to normalise the branching fraction measurement.