International Journal of Financial Regulation, Compliance and Innovation

Revolutionising Financial Markets: The Role of AI and Blockchain in Modern Trading

2026-08-24T00:58:15-05:00

The rapid evolution of digital technologies has significantly transformed the structure and functioning of global financial markets. Among these innovations, blockchain technology has emerged as a pivotal force driving a paradigm shift in modern trading practices. This study critically examines the role of blockchain in reshaping trading ecosystems, focusing on efficiency, transparency, security and trust in financial transactions. Blockchain based systems, including decentralised exchanges and smart contracts, facilitate secure, automated and transparent trade execution, thereby enhancing operational efficiency and reducing reliance on centralised intermediaries. Furthermore, blockchain technology underpins the development of Decentralised Finance (DeFi), fostering more inclusive, accessible and transparent trading environments. This paper provides a comprehensive analysis of current applications, technological advancements, and practical implementations of blockchain across financial markets. It also critically evaluates key challenges, including scalability constraints, regulatory ambiguities, interoperability issues and cybersecurity concerns. By synthesising existing literature and empirical findings, the study highlights the transformative potential of blockchain in redefining digital trading infrastructures. It further identifies future research directions and strategic opportunities that may shape the next generation of financial market innovation.

The Dynamics of Performance Management: Cultural Influences, Managerial Responsibilities and Global Challenges

2026-08-24T01:00:07-05:00

The manuscript explores the significance of performance management as a continuous, developmental and strategic process, crucial for enhancing both organizational and individual effectiveness. By mentioning essential theoretical frameworks such as people and performance model, expectancy theory, theory of scientific management and international HRM frameworks, the research emphasizes on the interplay of ability, opportunity and motivation in shaping employee performance. Moreover, this paper examines the evolving nature of performance management practices within multinational contacts, specifically drawing attention to the influence of cultural factors, the challenges encountered by expatriates together with various approaches to feedback, evaluation and reward systems. The findings also suggest, for performance management to achieve success there should be explicit objectives, transparent communication, continuous coaching and an alignment between corporate strategy and individual aspirations. Nevertheless, performance management should be dynamic, inclusive and adaptable to embrace global cultural differences to promote sustained performance improvement and employee development.

Voluntary Insurance (VI) for Faster Growth-Trend of Digital-transactions in Bank-led Services: A PESTLE Analysis of Akim’s Model

2026-08-24T01:03:00-05:00

Digital banking, particularly bank-led-digital services, are important in today’s world-economy country-wise. However, this advancement globally faces slow growth-trends where psychological-risk factors discourage a customer or a probable customer from not using it. Concentrating on the issues underpinning the Akim’s model, VI (Voluntary Insurance) can be introduced or adopted as a low cost or fixed price product. It will enhance consumer surplus, bank profits and overall transaction volume. Having VI as a new product can be vital in the journey of ensuring cashless society soon. The growth trend (S-curve) of VI product will capture revenue growth against time. In return, it will ensure higher transaction numbers of e-banking services. Accordingly, the purpose of this study is to revisit conventional wisdom about key contributions or prospects of the VI using PESTLE analysis. Here VI can serve as a strategic, trust-enhancing product designed to mitigate perceived psychological risks (fraud, hacking, etc.) in bank-led digital banking services. By embedding VI, banks can transition hesitant users into active digital-consumers by creating a "win-win" that can accelerate the growth trend of number of digital transactions and secure revenue.

The European Financial Package of December 2025

2026-08-24T01:04:58-05:00

The European financial package of December 2025 concerns a lot of texts. If it is adopted, the role of the European securities and market authority within the savings and investment union will not be unlike that of the European central bank within the banking union. A federal financial Europe is gradually taking shape.

Financial Regulation and Small Businesses: Why Think Small is Critical to Simplify Regulation and Enhancing Economies

2026-08-24T01:06:58-05:00

The regulation on financial markets and institutions has tended in the main to focus on large companies and it appears there is an assumption that the regulation is also appropriate to small businesses. The phrase trickle down comes to mind which was related to the influence on the development of international financial report standards to SMEs. This phenomenon has resulted in significant burdens to small businesses.