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Loan-to-Deposit Ratio and Bank Profitability: Empirical Evidence from Licensed Commercial Banks in Sri Lanka

Banking sector is one of the most significant components for a country’s financial system because it performs essential functions such as financial intermediation, savings mobilization, credit provision, and the promotion of economic growth. In Sri Lanka, Licensed Commercial Banks (LCBs) represent the dominant segment of the financial sector in terms of assets, deposits, and lending […]

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Generative Artificial Intelligence Exposure and U.S. Occupational Wage Polarization: Early Evidence and Workforce-Education Implications from 2018-2025 Occupational Data

Introduction The public release of widely available generative artificial intelligence tools changed the practical meaning of workplace automation. Earlier digital technologies often affected routine clerical, production, or calculation tasks first. By contrast, large language models can draft text, summarize documents, write and debug code, translate, classify information, search across documents, and support routine administrative communication.

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The Potential of Amine to Feed Flowrate Ratio for Post-Combustion Carbon Capture Systems Using Aspen HYSYS

INTRODUCTION The relentless increase in anthropogenic greenhouse gas emissions, driven primarily by industrial processes and the combustion of fossil fuels, poses a profound threat to the global environment. This poses a huge threat to human and global security. At present, the CO2 concentration in the atmosphere has exceeded 400 ppm, which is about 40% higher

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Transformational Leadership and the Implementation of Reformative Change in the Zimbabwe Prisons and Correctional Service

1. INTRODUCTION The global correctional landscape has undergone significant transformation over the past few decades as criminal justice systems increasingly shift from punitive models toward rehabilitative and reintegrative approaches. This transition reflects broader changes in criminological thought, human rights discourse, and evidence-based correctional practices that emphasize rehabilitation as a means of reducing recidivism and promoting

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Demographic Characteristics and Institutional Reform Dynamics: Evidence from the Zimbabwe Prisons and Correctional Service

1. INTRODUCTION Reformative change within public sector organisations, particularly correctional services, is a complex and multi-layered process that is shaped not only by policy design and institutional mandate but also by the demographic composition of the workforce. In contexts such as the Zimbabwe Prisons and Correctional Service (ZPCS), where organisational culture is deeply embedded in

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Instructing Higher Education in the Era of Generative AI: Implications for Managerial Decision-Making, Business Ethics, and Workforce Readiness

1. Introduction The emergence of GenAI in the last couple of years has revolutionized how learning happens in higher education institutions. Previous talks about artificial intelligence in higher education (AIHE) were mainly geared towards discussing how AIHE could enable personalization of education, teacher assistance, and increase efficiency in the process by utilizing intelligent systems [1].

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Digital Technologies as a Mediator Between Socioemotional Wealth and Innovation in Family Firms

INTRODUCTION Background to the Study Family firms are a dominant form of business organization worldwide and are essential for the generation of employment, prosperity, and economic growth. In numerous developing economies, such as Nigeria, family-owned businesses comprise a significant portion of small and medium-sized enterprises and are instrumental in the advancement of local and national

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Impact of Digital Payment Systems and Financial Technologies on Consumer Behavior and Business Education

Introduction The global financial landscape has undergone substantial transformation due to rapid technological advancements and increasing digitalization of economic activities. Digital payment systems and financial technologies (FinTech) have emerged as powerful tools reshaping the way individuals, businesses, and institutions conduct financial transactions and manage economic operations. The shift from traditional cash-based systems toward digital financial

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A Cost-Effective IoT-Based Smart Surveillance System for Real-Time Monitoring and Motion Detection Using Esp32-Cam

INTRODUCTION Background to the Study The continuous advancements in digital electronics, communication technologies, and embedded systems have resulted in substantial transformations in surveillance systems. Physical presence and extensive wiring infrastructure were required for surveillance in recent decades, which primarily relied on manual monitoring and analogue Closed-Circuit Television (CCTV) systems. These conventional systems were rigid, costly

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A Comparative Evaluation of Machine Learning and Ensemble Models for Predicting Digital Forensic Investigation Outcomes Using Network Intrusion Data

INTRODUCTIONBackground to the StudyThe field of modern Forensic Science investigations has been substantially transformed by the rapid increase in cybercrime and the increasing volume of digital evidence. The demand for analytical techniques that can handle large, complex, and high-dimensional data that originates from digital settings is on the rise. Forensic analysis underwent a significant transformation

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