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Efficiency in farming productivity and optimum utilization of resources in the agriculture sector in developing countries is a challenge that can be addressed with technological advancement. There is also a strong need to work on the farming community’s engagement to make better farming decisions. This study aims to create an expert knowledge-based system (KBS) in a mobile application to help Indian farmers improve their agricultural practices and increase crop productivity. A prototype mobile application, ‘Farm-n-Pedia,’ is designed and used to fulfill the farmers’ informational and engagement needs. It provides a tool for agriculture management using a single platform. The expert KBS incorporates a crowdsourcing system as part of the knowledge base and interface design. The mobile application enables the users to access the worldwide information they want, get personalized expert guidance, interact with the local agrarian community, know about the latest farming techniques and technology, crowdsource data collection and increase agricultural productivity.

The main purpose of this study is to measure up to what extent the independent factors defined by capital adequacy ratio, non-performing loans ratio, cost-income ratio, liquidity ratio, and loans-to-deposits ratio impact the financial performance of sixteen commercial banks operating in the United Arab Emirates using panel data for the period of 2013-2019. The secondary data was collected from banks and examined by applying standard descriptive statistics and the random effect model for hypothesis testing. It is concluded from the regression outcomes that non-performing loans ratio and cost-income ratio have a significant negative impact on commercial banks profitability in the United Arab Emirates, while capital adequacy ratio, liquidity ratio, and loans -to-deposits ratio all have a very weak positive relationship on the return on assets but they are not determinants of bank’s profitability due to the insignificant statistical impact on it. It is therefore suggested that to enhance financial performance and minimize the risk of non-performing loans in the future, banks must watch very carefully the loans’ performance and analyze thoroughly the clients’ credit history and ability to pay back their debts prior to any approval of loan applications. Furthermore, banks should continuously improve their assets utilization, liquidity, and techniques of managing operating costs, improve the impact of capital adequacy, and the use of deposits for lending activities from a weak positive impact to a significant positive impact on their profitability. The researchers recommend that future studies on credit risk management influence on banks’ financial performance should consider more independent variables and longer periods of study such as twenty or thirty years to have more accuracy and generalized results.