The world is constantly evolving these days. It is possible to say that we have entered the digital economy and society era, in which digital technology is no longer just a tool to help with work. Every work process in production management, trade, and service, as well as interpersonal...

This research examines the concept of a robo-advisor with digital twin capabilities for personal financial management. Using an exploratory study, the researchers developed an interactive and interpretive model that analyses the most critical variables to consider when designing the next level...

Financial inclusion continues to be a significant challenge in Nigeria since many Nigerians are excluded from the financial ecosystem. This article investigates the impact of the Central Bank Digital Currency (CBDC) on digital financial inclusion using a quantitative research design and data...