Explore the evidence.
Understand the reach.

The proliferation of technology has innovated new ways of saving and investing money: online savings and investment platforms [OSIPs]. Predicting the intention to adopt Fintech has triggered the interest of many researchers in academia and industries. The primary objective of this study was to examine factors influencing the intention to adopt OSIPs in Nigeria by using data gathered from 640 digitally active citizens from selected cities in Nigeria. Reliability and validity tests were conducted through construct reliability and discriminant validity, respectively, through WarpPLS. Data were computed with the Statistical Package for the Social Sciences (version) 24 and analyzed with structural equation modeling via WarpPLS. The findings of this study showed that performance expectancy, effort expectancy, and social influence significantly affect attitude while facilitating conditions predict intention to adopt. It was also found that attitude significantly influences the intention to adopt OSIPs. The paper also discusses the study’s research limitations and presents implications for theory and practice.

This paper examined the mediating role of trust in government on the influence of public governance quality indicators (accountability, political stability, government effectiveness, regulatory quality, rule of law, and control of corruption) on tax compliance in Africa. Cross-country data obtained from 38 African countries for 2015 was used and analyzed using Ordinary Least Squares (OLS) regression analysis. The study found that accountability, political stability, control of corruption, and trust have a significant influence on tax compliance among the sampled African countries, but government effectiveness, regulatory quality, and the rule of law and have insignificant influence on tax compliance. The result of the mediating effects revealed that trust mediates the influence of accountability and political stability on tax compliance in Africa. However, it failed to mediate the influence of government effectiveness, regulatory quality, rule of law, and control of corruption on tax compliance among sample African countries. The study offers theoretical insights on the role of trust as a mediator on social exchange relationships from the context of public governance quality on tax compliance. It also implies to the policymakers that building trust is an important mechanism through which the impact of public governance on tax compliance would be more pronounced. The study further calls for replication of its findings in other continents such as the Americas, Asia, and Europe.

The goal of this study was to see how financial inclusion affects gender-based poverty in Nigeria. Commercial bank branches, deposits, and borrowers were the proxy for financial inclusion. The poverty index was used to measure poverty reduction. The World Development Indicator (WDI) and the CBN Statistical Bulletin 2021 provided the data for this study. Finally, the study included the years 2002 to 2019. Financial inclusion reduces household poverty in Nigeria, according to the study, which used a VAR estimate. The coefficients of commercial bank branches and commercial bank deposits were (-0.004) and (-0.008), respectively, indicating that they had a negative influence on poverty reduction. Furthermore, the study discovered that having access to credit through a financial institution was crucial in lowering poverty in Nigeria over the study period. As a result, the report recommends that steps to promote the rule of law, particularly contract enforcement and financial regulatory inspection, be implemented, resulting in more financial inclusion and a reduction in poverty and income gaps, particularly between men and women. The benefits of financial inclusion must be made more widely known, particularly in rural regions, through promoting financial literacy among the poor through education, advertising, and traditional institutions.

Climate change affects individuals and business organisations. This study examines individuals and organisations' levels of awareness of the effects of climate change and their responses to climatic changes. It also establishes awareness of the predominant effects of climate change risks in Africa and Eastern Asia. This study was descriptive research using surveys and fact-finding enquiries of different kinds. Using a purposive sampling method, one hundred five (105) participants were selected from more than 25 countries from Africa, Asia and other emerging countries for the study. The results indicate that, on average, many people are aware of the effects and gravity of climate change. A non-parametric test of the significance of climate change's impact on financial performance yielded a hypothetical mean above the threshold of 3, a P value of less than 0.05 at a 104 df. The results indicate that climate change adversely affects individuals, organisations and communities. The findings show that communities are relatively aware of the impacts of climate change and can quantify the losses in financial terms, at least as an estimate. It indicates that the level of awareness of individuals and organisations is satisfactory. The findings on vulnerability and exposure indicated that people are aware of climate change and its effects on individuals, organisations and communities. The results reveal that it is easy to manage climate change risks using techniques developed by local and international authorities. Governments, especially in Africa, must respond fervently to demands for climate change mitigations.

This paper examined bank-specific performance indicators and macroeconomic factors affecting the short-term financing obligation of Nigerian banks from 2010 to 2019. The data for the study are sourced annually from the financial statements of the selected Deposit Money Banks and the Central Bank of Nigeria Statistical Bulletin. The panel unit root and co-integration tests are employed to ascertain the sustainability of the bank-specific performance indicators. The models for the industry were cast in a host of panel frameworks such that we estimated the static and dynamic panel models. The study observed that the capital adequacy ratio, which is the short-term financing obligation of Nigerian banks was elastic to bank profitability positively. In addition, interbank call rate, bank size, and oil price positively influence the capital adequacy ratio over time, whereas loan-to-deposit ratio, inflation and exchange rate exacerbate the capital adequacy ratio. Consequently, we canvass that Nigerian banks should reduce dividend payouts and increase retained profits as a buffer against exposed risks.

The proliferation of technology has innovated new ways of saving and investing money: online savings and investment platforms [OSIPs]. Predicting the intention to adopt Fintech has triggered the interest of many researchers in academia and industries. The primary objective of this study was to examine factors influencing the intention to adopt OSIPs in Nigeria by using data gathered from 640 digitally active citizens from selected cities in Nigeria. Reliability and validity tests were conducted through construct reliability and discriminant validity, respectively, through WarpPLS. Data were computed with the Statistical Package for the Social Sciences (version) 24 and analyzed with structural equation modeling via WarpPLS. The findings of this study showed that performance expectancy, effort expectancy, and social influence significantly affect attitude while facilitating conditions predict intention to adopt. It was also found that attitude significantly influences the intention to adopt OSIPs. The paper also discusses the study’s research limitations and presents implications for theory and practice.

Climate change affects individuals and business organisations. This study examines individuals and organisations' levels of awareness of the effects of climate change and their responses to climatic changes. It also establishes awareness of the predominant effects of climate change risks in Africa and Eastern Asia. This study was descriptive research using surveys and fact-finding enquiries of different kinds. Using a purposive sampling method, one hundred five (105) participants were selected from more than 25 countries from Africa, Asia and other emerging countries for the study. The results indicate that, on average, many people are aware of the effects and gravity of climate change. A non-parametric test of the significance of climate change's impact on financial performance yielded a hypothetical mean above the threshold of 3, a P value of less than 0.05 at a 104 df. The results indicate that climate change adversely affects individuals, organisations and communities. The findings show that communities are relatively aware of the impacts of climate change and can quantify the losses in financial terms, at least as an estimate. It indicates that the level of awareness of individuals and organisations is satisfactory. The findings on vulnerability and exposure indicated that people are aware of climate change and its effects on individuals, organisations and communities. The results reveal that it is easy to manage climate change risks using techniques developed by local and international authorities. Governments, especially in Africa, must respond fervently to demands for climate change mitigations.

This paper examined bank-specific performance indicators and macroeconomic factors affecting the short-term financing obligation of Nigerian banks from 2010 to 2019. The data for the study are sourced annually from the financial statements of the selected Deposit Money Banks and the Central Bank of Nigeria Statistical Bulletin. The panel unit root and co-integration tests are employed to ascertain the sustainability of the bank-specific performance indicators. The models for the industry were cast in a host of panel frameworks such that we estimated the static and dynamic panel models. The study observed that the capital adequacy ratio, which is the short-term financing obligation of Nigerian banks was elastic to bank profitability positively. In addition, interbank call rate, bank size, and oil price positively influence the capital adequacy ratio over time, whereas loan-to-deposit ratio, inflation and exchange rate exacerbate the capital adequacy ratio. Consequently, we canvass that Nigerian banks should reduce dividend payouts and increase retained profits as a buffer against exposed risks.

Financial product awareness is an efficient remedy for poverty reduction as against lack of money. However, a holistic literature on financial product awareness in the six Geo-Political Zone of Nigeria is scarce. Using data from a quarterly survey of households in Nigeria, this paper investigated the influence of financial literacy, Socioeconomic and demographic factors on saving behaviors of Nigerians, age 15 to 70. With a pool of methods, our finding supported the observation from similar economies, but revealed some differences as well. We observed that financial literacy and proximity to financial products and services among others are the most significant determinants of savings behaviors of Nigerians. It is fair to say financial awareness and factors that influences it are necessary for the formulation of strategies to increase the inclusion of more members of the society into the formal financial stream.

This study aims to investigate the influence of electrical/electronic workshop climate on workshop accidents among self-employed electrical/electronic service personnel in Ebonyi state. The study adopted a descriptive survey research design. The population for the study was 622 registered (Unions) electrical/electronic service personnel. A sample of 120 was drawn from the population for the study through a proportionate stratified random sampling technique. The study found that Regardless of the Administrative style; Number of the workshop users; Arrangement of the workshop and Available equipment in the electrical/electronic workshop respectively, there is an occasional rate of accident. But some types of accidents record varying rates of occurrence depending on the type of administrative style, number of workshop users, arrangement of the workshop, and workshop equipment in the said workshop. Based on the conclusions drawn from the findings of the study, the study recommended that Government should provide soft loans, start-up grants for the self-employed service personnel for the acquisition of the needed equipment; Government also should institute a fund that can help work accident victims to take care of the medical expenses.