The default risk, one of the main risk factors for bonds, should be measured and reflected in the bond yield. Particularly, in the case of financial companies that treat bonds as a major product, failure to properly identify and filter customers' workout status adversely affects returns. This study proposes a two-stage classification algorithm for…

This study aims to design and develop a Cashless Payment System with Automatic Identification and Data Collection (AIDC) technology in an educational institution in the Province of Nueva Ecija, Philippines to understand the processes and activities undertaken to develop the project. It utilizes a descriptive and developmental method of research…

Financial behavior is a means by which a person treats, manages, and uses available financial resources. This research aims to determine the effect of financial literacy and the use of financial technology on financial satisfaction through financial behavior as an intervening factor. Data were collected from 112 economics teachers using purposive…

This paper presents a mobile application aimed at enhancing the financial literacy of college students by monitoring their spending patterns and promoting better decision-making. The application is developed using the agile methodology with Android Studio and Flutter as development tools and Firebase as a database. The app is divided into…

Blockchain is a verification infrastructure that offers a solution to the problem of how to verify digital identity. This publication is aimed at policy-makers in education who have an interest in understanding the affordances of blockchain technology to the education sector. Exploratory exercises with blockchain demonstrate that it is already…

As deviations from what is expected, anomalies are typically seen as an obstruction to making good predictions or an impulse to revise the predictive framework. Here, we consider a different possibility--that anomalies, particularly those related to cognitive processing, may be a valuable source of diagnostic information. More specifically, we…

The study examined entrepreneurship skills needed by students/graduates for global relevance. The survey research design was chosen for the study. The population of the study comprises Business Education lecturers and students from three polytechnics, four Colleges of Education and Delta State University, Abraka, all in Delta State. A sample of…

Use of education finance data is ubiquitous. Yet, because the academic calendar circumscribes two calendar years, researchers have linked the Consumer Price Index to three different dates: the Fall, Spring and academic fiscal years. We demonstrate that linking the CPI to these different academic year results in identifying different trends in U.S.…

The study focused on analyzing the knowledge and application of cryptocurrencies in undergraduate programs across public and private universities in Honduras. Given the increasing relevance of cryptocurrencies in the global financial landscape. The primary objective was to assess the level of knowledge and application of cryptocurrencies among…

Firms in industry continue to be attracted by the benefits of Big Data Analytics. The benefits of Big Data Analytics projects may not be as evident as frequently indicated in the literature. The authors of the study evaluate factors in a customized methodology that may increase the benefits of Big Data Analytics projects. Evaluating firms in the…

The objective of the audit was to determine if Remington College used the Student Aid (Assistance Listing Number (ALN) 84.425E) and Institutional (ALN 84.425F) portions of its Higher Education Emergency Relief Fund (HEERF) grant funds for allowable and intended purposes. The audit covered Remington College's use of HEERF funds from the grant award…

Financial software offers an appealing substitute for an investment in complex financial knowledge to help individuals make better financial decisions. Little is known, however, about which consumers use financial software and whether the use of financial software results in improved financial outcomes. Using data from the 2008 National…

In this article, we analyze international students' perceptions of their needs when going abroad. The trend toward internationalization and the increase in mobility drives the agenda for globalization in many higher education institutions, and in some cases without any clear strategy for identifying the possible needs of international students.…

We report on the implementation experience of carrying out data collection and other activities for a public health evaluation study on whether U.S. President's Emergency Plan for AIDS Relief (PEPFAR) investment improved utilization of health services and health system strengthening in Uganda. The retrospective study period focused on the PEPFAR…

Objective: Financial strain may directly or indirectly (i.e., through perceived stress) impact students' psychological symptoms and academic and social integration, yet few studies have tested these relationships. The authors explored the mediating effect of perceived stress on the relationship between financial strain and 2 important outcomes:…