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Learning Resource Centre Monthly Bulletin |
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Learning Resource Centre Monthly Bulletin |
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| New Books |
 FN466 Democratizing Finance : The Radical Promise of Fin By Marion Laboure;Nicolas Deffrennes |  FN467 Fintech, and Blockchains Trends in The Financial S By Rishikaysh, Kaakandikar;Keshav, Kaushik;Priya, Tiw |  FN468 The Illusion of Control : Why Financial Crises Hap By Jon Danielsson |
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| Articles |
| Comfort your mobile banking customer: An empirical study on customization of mobile banking chatbot using perceived epistemic value as a mediating variable By Chotani, Vandana; Sharma, Rakesh Kumar; Bhatia, Tarunpreet. Humanities & Social Sciences Communications; London Vol. 13, Iss. 1, (Dec 2026): 1369. DOI:10.1057/s41599-026-07650-w Abstract :The adoption of mobile banking has become progressively more important for financial inclusion programs, particularly in rapidly digitalizing regions like Northern India. Chatbot-based m-banking services remain unpredictable despite the rise in smartphone penetration and internet availability. This study proposes an adapted Unified Theory of Acceptance and Use of Technology (UTAUT) model to examine users’ behavioral intention to adopt mobile banking, emphasizing the role of mobile banking chatbot customization. The study also contributes theoretically by validating an extended UTAUT model aligned with the mobile banking context to examine users’ behavioral intention with additional variables such as perceived epistemic value and the customization of mobile banking chatbots. It restructures traditional UTAUT paths by examining the mediating role of core constructs, thus enhancing contextual relevance. The research introduces perceived epistemic value as a novel construct and restructures traditional UTAUT paths by exploring the effects of performance expectancy, effort expectancy, and social influence. The study aims to assess the impact of customization of mobile banking chatbot on performance expectancy and effort expectancy, investigates the influence of customization of mobile banking chatbot and social influence on perceived epistemic value and its subsequent effect on behavioral intention, evaluates the mediating roles of performance expectancy, effort expectancy, and perceived epistemic value and enhances the contextual applicability of the UTAUT model in the m-banking domain. A quantitative, cross-sectional research design was adopted using a structured questionnaire administered to m-banking users in Northern India. The sample comprised 441 valid responses. Data analysis was conducted using Structural Equation Modeling via SmartPLS. The findings (R² = 0.701) reveal that customization enhances m-banking users’ knowledge and elevates the perceived value of knowledge gained during an interaction with the m-banking chatbot. | |||
| International Banking Regulation: Developments from Basel I to the 2017 Final Reforms By Shitnaan, Wapmuk; Poo, Mark Ching-Pong; Yui-yip, Lau. Encyclopedia; Naples Vol. 6, Iss. 4, (2026): 88. DOI:10.3390/encyclopedia6040088 Abstract :The Basel Accords refer to a series of international banking regulatory frameworks developed by the Basel Committee on Banking Supervision to strengthen the stability and resilience of the global banking system. Introduced as Basel I, Basel II, and Basel III, these accords establish minimum capital requirements, risk management standards, and supervisory principles for internationally active banks. Their primary purpose is to reduce the risk of bank failure, promote financial stability, and enhance consistency in banking regulation across jurisdictions. The Basel III framework and its 2017 Final Reforms represent the most advanced stage of this regulatory evolution, addressing weaknesses revealed by the global financial crisis and subsequent regulatory experience. Banking institutions play a central role in economic development, making their stability essential. The global financial crisis that began in 2007 exposed significant weaknesses in existing regulatory frameworks and led to the failure of several major banks, despite the earlier establishment of Basel I and Basel II by the Basel Committee on Banking Supervision. These shortcomings prompted the development of the Basel III framework as a direct response to the crisis. However, early criticisms of the initial Basel III Accord, particularly regarding variability in risk-weighted assets, reliance on internal models, and opportunities for regulatory arbitrage, led the Basel Committee to issue the Basel III Final Reforms in 2017, which represented a substantial upgrade to the post-crisis regulatory architecture. This study reviews the evolution of the Basel Accords; examines the key components of Basel I, Basel II, and Basel III; and analyses the enhancements introduced through the Basel III Final Reforms. It also considers the major arguments and criticisms surrounding these accords, highlighting the persistent challenges of achieving global regulatory consistency. Given the inability of earlier Basel frameworks to prevent bank failures and the fact that many jurisdictions have yet to fully implement the 2017 reforms, the paper underscores the need for ongoing evaluation of international banking regulation as national authorities adapt and refine their supervisory approaches to strengthen financial stability. | |||
| Agentic AI Deployment Readiness and Responsible Value Realization in Sustainable Banking By Young-Chan, Lee; Yang Chuyu. Sustainability; Basel Vol. 18, Iss. 15, (2026): 7744. DOI:10.3390/su18157744 Abstract :Agentic artificial intelligence (AI) is a consequential technological frontier in banking because it shifts AI from passive assistance and generative interaction toward goal-directed workflow execution. Responsible and sustainable banking transformation therefore depends not simply on whether banks experiment with agentic AI, but on the readiness conditions under which selected agentic capabilities can move from pilots to governed production and responsible value realization. This study develops a configurational forecasting framework for agentic AI deployment readiness in banking. Because comparable initiative-level evidence remains scarce and commercially sensitive, the paper adopts a transparent, case-informed synthetic configurational simulation. The analysis should therefore be read as a theory-development and foresight exercise, not as empirical evidence of actual bank projects or banking-sector prevalence. Drawing on public banking AI cases, technology-diffusion and foresight literature, AI governance research, and role-based stakeholder archetypes, we construct a synthetic dataset of 90 banking-related agentic AI initiatives and apply fuzzy-set Qualitative Comparative Analysis (fsQCA). Within this bounded simulation, production maturity is internally consistent with the conjunction of data readiness, leadership commitment, governance maturity, workflow redesign capability, human–agent collaboration maturity, and low legacy-system complexity. Supplementary analyses indicate that deployment alone is insufficient for value realization in the simulated design: value requires deployment to be combined with redesigned workflows, governed data use, and human–agent collaboration. The results are not causal estimates; rather, they specify falsifiable readiness expectations that future empirical research can test with real initiative-level data. The study offers a reproducible readiness logic for responsible value realization, customer protection, workforce capability, and financial-system resilience. | |||
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| News |
| Japanese rating agency upgrades India’s rating to A-; finance ministry says reflects solid growth By Indian Express; 2nd September 2026 |
| From digital scale to intelligent banking: Glimpses from India’s next financial ... By Forbes India; 2nd September 2026 |
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