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The emergence of Open Finance is reshaping the global financial landscape by enabling greater data accessibility, interoperability, and innovation. However, this expanded connectivity introduces new layers of regulatory complexity, raising urgent concerns rega…

This paper explores how intra-day volatility behaves across different weekdays during periods of major financial stress, focusing specifically on the S&P 500 and NASDAQ-100 indices. The analysis spans two significant market disruptions—the 2008 Global Financia…

This study offers a comparative analysis of construction risk management practices in the United Kingdom (UK) and Türkiye, focusing on regulatory frameworks, technological integration, and practical methodologies. The UK, utilizing the Construction (Design and…

This study presents a Hybrid Digital-Physical Risk Management Framework designed to enhance urban climate resilience through the integration of Industry 4.0 technologies. By combining real-time IoT sensor networks, AI-based predictive analytics, and blockchain…

We developed a series of financial social media sentiment analysis models starting with PyFin-Sentiment, a recent state-of-the-art domain-specific large language model for the financial domain. We focused on label accuracy and improvements in the quality and q…

Open-finance interfaces make market data and trading services programmable, but an API response is not an executable signal. Economic information depends on data receipt, inference completion, and feasible order arrival. We propose an execution certificate: a …

Open-finance services must prepare for cryptographic transitions while evaluating quantum-computing opportunities against classical alternatives. These decisions require different evidence but concern shared data, software, suppliers, and owners. This paper de…

Machine learning and artificial intelligence have become an integral part of people's culture, influencing the lives of most people today. Machine learning is a subset of data science that uses statistical models to create insights and predictions. Machines sh…

Bu çalışmanın temel amacı finansal tutum ile yaşam tatmini arasında bir ilişki olup olmadığının ampirik olarak tespit edilmesidir. Bununla birlikte, finansal tutum ve yaşam tatmini ölçeklerinin, yaş, cinsiyet ve eğitim durumu gibi demografik faktörler üzerinde…

This study develops the Political and Economic Vulnerability Score (PAVS), a composite index for assessing cross-country differences in macro-financial and institutional vulnerability. Drawing on publicly available World Bank data, the index combines 13 indica…

Eğitim, barınma, ulaşım, yeme-içme v.b. gündelik masrafları bağlamında üniversite öğrencileri bankacılık sektörü tarafından sunulan hizmetlere ihtiyaç duymaktadırlar. Aynı zamanda öğrenciler önemli bir ekonomik sistem ve finansal piyasa katılımcısı potansiyeli…

Predictive maintenance (PdM) enhances industrial operational efficiency by facilitating timely detection of equipment failures using machine learning models developed from historical maintenance data.  Real-world industrial datasets frequently exhibit signific…

In the United States, banking desert status is classified annually from that same year’s branch data, producing a contemporaneous snapshot of current access rather than a forecast of which communities are likely to change status next. This study tests whether …

Open-finance platforms can combine models from different vendors while still concentrating capital in the same trade. Shared data, objectives, and representations make decision diversity the relevant object, rather than diversity of model names. We call loadin…

Market democratization through conversational AI represents a critical frontier in financial technology, yet cryptocurrency analysis remains dominated by institutional players with sophisticated toolchains. We introduce AICrypto-Assistant, the first open-sourc…

In recent years, the financial sector has been considerably developed, especially in electronic banking. As individual users in the financial sector use e-banking and e-finance systems, the concept of loyalty in the banking sector has shifted from traditional …

Post-quantum cryptographic standardization is complete for the algorithms that matter most, yet adoption across financial infrastructure remains uneven and, in critical segments, largely absent. This paper argues that migration is no longer a research question…

Enterprise financial forecasts are generated across multiple business dimensions such as products, regions, channels, customer cohorts, and segments. In a large enterprise, this can result in billions of populated intersections that finance teams cannot review…

The increasing world population has increased the demand for food. Many threats such as agricultural land use, environmental impacts, global warming and drought risks necessitate industrialization of agricultural production and optimum utilization of existing …

Open-finance systems increasingly compose portfolio models, data services, and execution interfaces supplied by different parties. This modularity is useful only if the executed wealth path can be checked independently of the model that proposed it. We study a…