This study investigates the behavior of bank non-performing loans in the Fintech era. Using data from 35 developed … countries from 1998 to 2016, the findings show that non-performing loans are fewer in the second wave Fintech era. Also, bank …

This paper investigates the role of central bank digital currency (CBDC) in bank earnings management, and focus on how …-induced bank disintermediation leads to a reduction in bank deposits, a reduction in bank lending and a likely reduction in … reported earnings. Bank managers will mitigate the reduction in reported earnings by lowering discretionary LLPs to increase …

evidence for bank income smoothing using loan loss provisions. There is greater income smoothing in the second-wave Fintech era … wave era. Bank income smoothing is also greater in (i) BIS and EU countries than in non-EU countries and G7 countries, (ii …

This paper presents some theories that support central bank digital currency development and its usefulness. The … theories provide useful explanations for the development and use of central bank digital currency in the economy. Some theories … show that information about central bank digital currency, as well as the perceived usefulness and ease of use of central …

The paper presents a survey of central bank digital currency (CBDC) adoption in African countries. Secondary data based … information about each country’s interest and efforts in issuing a central bank digital currency. The survey shows that 70 per … cent of African countries have not shown any interest in central bank digital currency. The West African region has the …

This study investigates whether the competence of central bank governors affect the stability of the financial system … they are responsible for. Using publicly available information about central bank governors from 2000 to 2016 together with … data on financial stability and the macro-economy, the findings reveal that central bank governors' competence promotes …

Central bank digital currency is non-physical money or the digital equivalent of physical money issued by a central … bank. Nigeria is the first African country to issue a central bank digital currency, popularly known as the eNaira. This …

The eNaira is the central bank digital currency of Nigeria. People who are interested in the eNaira and financial … information. There is also a significant positive correlation between interest in central bank digital currency information and …

The purpose of this paper is to present a discussion of central bank digital currency research and developments. The …