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.
"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
Thales Abreu da Costa Lima, Herlander Costa Alegre da Gama Afonso, Julio Cesar Valente Ferreira
O setor cultural representa quase 3% do PIB brasileiro, e emprega 5,5 milhões de trabalhadores, parte destes estão na informalidade e são "invisíveis" aos olhos do Estado. Os microempreendimentos do ramo da cultura são uma fonte de inovação a partir dos potenciais culturais locais. O objetivo desta pesquisa é capacitar a partir de uma estratégia de educação empresarial para microempreendedores culturais do Estado do Rio de Janeiro., com a finalidade de gerar novas oportunidades de negócios e renda. A pesquisa contempla as seguintes etapas/fases metodológicas: a Fase 1 compreende uma análise de dados da organização NaProCult; na Fase 2, foi elaborada um treinamento, validado por meio de um painel de especialistas; na Fase 3 realizou-se uma pesquisa-ação para a execução da capacitação, cujos resultados foram avaliados na Fase 4, por meio de um survey. Os resultados mostram que os fazedores de cultura têm pouco acesso a uma educação voltada para seus empreendimentos, como frameworks que proponham novas formas de gestão para o mercado de trabalho atual.
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
Pascal Salin's _Tax Tyranny_ is an essay on the principles of taxation. First published in 1985 under the title _L’arbitraire fiscale,_ this first English edition is most welcome. Written
in a non-technical way, it is accessible to a broad readership. It serves very well as an introductory text for undergraduates, most notably in macroeconomics or public economics, but it also carries a lot of original food for thought that deserves the attention
of scholars and tax practitioners. The central thesis is that there are no rational grounds for taxation and taxation can therefore never be justified. By its very nature, the tax state can never be a just state. When it taxes its citizens, it is arbitrary and tyrannical.
Partisipasi perempuan dalam lapangan kerja terus meningkat. Mereka rela melakukan migrasi ke tempat yang jauh dari keluarga untuk mencari pekerjaan. Dulu perempuan bermigrasi pada jarak yang dekat, tetapi saat ini mereka dapat bermigrasi sampai lintas negara. Penelitian ini bertujuan menjelaskan representasi perempuan pekerja migran menurut laki-laki di Kota Palembang. Metode kualitatif digunakan dalam penelitian ini dengan pengumpulan data melalui observasi, wawancara, dan dokumentasi. Data diperoleh dari wawancara terhadap informan yang dipiilih dengan teknik purposive sampling. Analisis data menggunakan reduction,display, dan conclusion, sedangkan keabsahan data menggunakan derajat credibility melalui tahapan perpanjangan pengamatan, peningkatan ketekunan, dan triangulasi. Hasil penelitian menunjukkan representasi laki-laki di Kota Palembang terhadap perempuan pekerja migran adalah baik. Budaya perempuan bermigrasi dan bekerja dianggap hal yang biasa dan baik pada era modern sekarang ini. Secara umum, perempuan dianggap lebih baik jika bekerja dekat dengan lingkungan keluarga. Namun, jika harus bermigrasi, disarankan keluarga (suami dan anak) hendaknya ikut serta. Sebagian besar informan mendukung pasangannya bekerja dan bermigrasi, serta bentuk dukungan yang diberikan, seperti membantu pekerjaan rumah, mencuci, menyapu, dan mengurus anak.
Demography. Population. Vital events, Social sciences (General)
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.
Since 2007, when the real estate bubble burst, we was immersed in a global economic
crisis. During this period, the Spanish financial system has experienced a process of
economic imbalance and downturn as a consequence of massive exposure to the
construction sector. In this context, the banking institutions, aware of the need to
recapitalize their balance sheets, offered their retail clients a complex and high-risk
product: preferred shares. What at first was considered the ideal solution for
recapitalizing the institutions has done nothing but worsen the economic situation,
highlighting the vulnerability of the banking Spanish system. All of this gave rise to a
process of bank restructuring that was unprecedented in Spain. The result has been the
reduction of the number of banking institutions from 45 in 2009 to 12 today, with the
consequent repercussions on the macroeconomic variables and the economies of families
and businesses.
En la elección presidencial de 2015 el gobierno argentino cambió la orientación política del Estado, al pasar de un modelo desarrollista proteccionista hacia uno de libre mercado. El artículo analiza los cambios en la política habitacional de forma comparativa con periodos anteriores, desde una perspectiva histórica, con el objetivo de establecer diferencias y similitudes desde el enfoque de la mercantilización de los servicios sociales. Se concluye que desde hace cuarenta años la política habitacional se encuentra atravesada por una tensión entre las concepciones de la vivienda social como derecho social y como bien de acceso por el mercado, y que el gobierno actual vuelve a este último con rasgos renovados.
Human settlements. Communities, Demography. Population. Vital events
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