Digital Commons Network^™

From Open Banking To Banking-As-A-Service: Regulatory Challenges In The Evolution Of Financial Intermediation, Nydia Remolina Leon

Research Collection Yong Pung How School Of Law

Over the past decade, financial innovation has moved from open banking, centred on consumer-permissioned data sharing, to banking-as-a-service (BaaS), which modularises core banking functions through application programming interfaces. This shift allows fintechs and non-financial platforms to embed financial products seamlessly, reducing transaction costs and fostering innovation. Yet the 2024 collapse of Synapse in the United States exposed the fragility of this model when intermediaries operate outside robust oversight, leaving consumers without recourse and revealing liability fragmentation and regulatory blind spots. This paper distinguishes BaaS from open banking, open finance, and embedded finance, and maps leading global models – from bank-led …

Maintaining Empire, Maiya White

War, Diplomacy, and Society (MA) Theses

This thesis portfolio examines the structure and consequences of imperialism, exploring the relationship between empires and their subjects using the cases of the United States of America and Japan. While existing research on empire focuses on territorial expansion, this study proposes a working definition of empire that centers on coercion and manipulation of the domestic population to demonstrate how empires sustain themselves. Additionally, this thesis portfolio demonstrates how governments maintain control by influencing how their citizens should interpret their actions.  Utilizing primary sources, including legal and legislative documents, government reports, diplomatic correspondence, and visual propaganda, this thesis portfolio argues that …

Jison Jiei: Offensive Realism And Imperial Japan's Spiral Toward Regional Hegemony, John William Dodd

War, Diplomacy, and Society (MA) Theses

This thesis examines Imperial Japan’s march from the Mukden Incident of 1931 to the attack on Pearl Harbor in 1941 through the lens of offensive realism. It asks to what extent Japan’s prewar grand strategy can be understood as a bid for regional hegemony, and what that interpretation reveals about the relationship between power politics, international law, and future great-power crises. Rather than treating Japanese expansion as irrational madness or reducing it only to ideology or militarism, this thesis argues that Japanese leaders acted according to a recognizable strategic logic.

Proceeding from theory to historical analysis, this project first situates …

Juvenile Lifers: Adapting To Life While Doing Life, Tristin Faust

Theses, Dissertations and Culminating Projects

This qualitative study examined psychosocial maturation among individuals sentenced to life imprisonment for offenses committed during adolescence. Archival interview and survey data were analyzed for 30 men who had been resentenced and released after serving an average of 31 years in prison. Findings revealed a developmental progression across four stages: pre-incarceration, initial incarceration, catalysts for change, and later incarceration. Participants described entering prison with developmental immaturity compounded by trauma, unstable home environments, educational disruption, and antisocial peer influence. Their early years of incarceration were marked by anger, fear, misconduct, and survival-oriented behavior. Over time, participants identified discrete events and ongoing …

Too Hot To Work? Exploring The Average And Seasonal Effects Of Temperature Variability In The Philippine Labour Market, Paolo R. Magnata, Maire Carroline Magante

Economics Department Faculty Publications

Using temperature and employment data covering 16 regions from Q3 2003 to Q1 2022, this study examined the average and seasonal effects of temperature on year-on-year employment growth in the Philippines. Average effects are insignificant while seasonal effects are heterogeneous. During the dry and cool season (Q1), higher temperatures are associated with a temporary 0.0397% increase in employment growth. In contrast, higher temperatures in the dry and hot season (Q2) are associated with a persistent decrease of 0.1361% while higher temperatures during the wet and hot season (Q3) are associated with a persistent increase of 0.1450%, which is primarily driven …

Inbox Impressions: Exploring Trans-Situational Networked Ecology’S Influence On Student-Instructor Emails In Academic Communities Of Practice, Suzanne M. Gut

English Theses & Dissertations

Ineffective email communication has been a topic of debate, it seems, for as long as email has been a mainstream communication tool. This study, situated in linguistics, is one more part of that conversation and aims to address how instructors and students are using email in academic settings, what genre conventions they employ, and what expectations of and attitudes towards email and email users influence email communication. Discourse analysis and thematic analysis were used to identify emergent patterns in the data from 20 authentic emails and six student/faculty focus groups. This study draws from Pokharel’s theory of trans-situational networked ecology …

Paperless Society, Paperless Future And Borderless Libraries, Ukoha O. Igwe

Library Philosophy and Practice (e-journal)

Purpose: This study explores the indispensability of books and physical libraries despite the digital technologies and digital transformation engulfing our lives, work and society.

Design/Methodology: This study used qualitative design and methodology utilizing a systematic review and synthesis of empirical research, institutional reports and documents published between 1978 and 2025 to achieve its objectives. An extensive review of the pertinent literature was undertaken to underscore the journey and permutations of the death of books and libraries. This conceptual review synthesizes the interplay between digital technologies, digital transformation,and libraries in information dissemination. This provided a basis for inferences and extrapolation of …

A Qualitative Study Of Immigration Trauma, Posttraumatic Growth, And The College Experience Among Mena Immigrant Students, Braa A. Elkhidir

Dissertations

Middle Eastern and North African (MENA) immigrant students who are seeking to earn a higher education in the United States have to navigate acculturative stressors and systemic barriers. Prior research has focused primarily on the challenges MENA immigrant students experience without deeply exploring how these students adapt and grow. The focus in this qualitative study was to understand how MENA immigrant college students experience and make meaning of their academic journeys. Semi-structured interviews were used to explore the academic experiences of seven MENA immigrant college students in the United States and assess how acculturative stressors, personal strengths, coping strategies, and …

A Multimodal Critical Discourse Analysis Of Texas History Curriculum Discourse, Maribel Santoyo

Open Access Theses & Dissertations

This qualitative study examines how race, citizenship, nation-building, and belonging are constructed across Texas history curriculum discourse. Grounded in Fairclough's three-dimensional model of discourse, Machin and Mayr's (2012) multimodal framework, Weedon's (1987) theory of subjectivity, Foucault's (1980) concept of power/knowledge, and Anderson's (1983) concept of imagined communities, the study investigates how official curriculum texts shape the histories students are invited to know and the civic identities they are invited to inhabit. Findings suggest that the Texas history TEKS, SB3, and Texas history textbooks for Grades 4 and 7 work together as an interconnected discourse system through which official knowledge is …

Morocco’S Sand Wall Construction: Challenges In Peacemaking Efforts In Western Sahara, Tarasyah Faz'lin, Apipudin Apipudin

Journal of Strategic and Global Studies

The Sahrawi ethnic conflict in Western Sahara has been ongoing for decades. Although various international efforts have been made to resolve it peacefully, they have not yielded results. This study focuses on the construction of a sand wall by Morocco and the involvement of international actors in the Western Sahara conflict. It explores the legal implications of Morocco’s construction of the sand wall, the role of international actors, the causes of the UN’s failure in achieving a peaceful resolution, and the impact of the conflict on the younger generation of Western Sahara. This research uses qualitative methods and primarily employs …

Housing Precarity Among Marginalized Women In Neoliberal Contexts: A Systematic Literature Review, Faza Nur Syahida, Joko Adianto

Journal of Strategic and Global Studies

This study presents a Systematic Literature Review (SLR) investigating the lived experiences of women from vulnerable groups in securing access to housing within the ideological contours of neoliberal capitalism. The inquiry delves into the layers of exclusion, precarity, and structural silencing that frame their trajectories. The study identifies five intersecting identities among vulnerable women: (1) single women; (2) single mothers; (3) survivors of gender-based violence; (4) elderly women; and (5) migrant women laborers. Through a rigorous database search guided by predetermined selection criteria, fifteen scholarly articles were selected for review. These were organized into the five categories, each containing two …

Ethics Under Siege: The Conflict In Tigray Through The Lens Of Just War Theory, Daniela Widya Purba

Journal of Strategic and Global Studies

This research article explains the ethical principles of the conflict in Tigray based on the Just War Theory. By using the descriptive qualitative methodology, this research article draws data from secondary sources which includes; academic journals, news reports, as well as international legal instruments to analyze the moral trajectory of the conflict. This research begins with jus ad bellum, to assess Ethiopia’s government justification in declaring conflict within Tigray. While the government fulfilled the criteria of just cause and legitimate authority, the question stands on the ambiguous political intentions and the failure to enact peaceful alternatives before resulting in waging …

Policy Design Complexity And Policy Outputs: Theory And Methods, Brandon Charles, Saba Siddiki, Matia Vannoni, Christopher Frantz, Nicholas Oesterling

Center for Policy Design and Governance

This brief summarizes "Policy design complexity and policy outputs: Theory and methods," co-authored by Brandon Charles, Saba Siddiki, Matia Vannoni, Christopher Frantz, and Nicholas Oesterling in Policy Design and Practice.

Beyond Office-Seeking: Pks Opposition Strategy In Indonesia’S Multiparty Presidentialism, Amri Yusra, Lili Romli, Valina Singka Subekti

Jurnal Politik

This article examines the opposition strategy of the Prosperous Justice Party (PKS) in Indonesia’s multiparty presidential system during President Joko Widodo’s administration. Departing from the weakening of opposition caused by the expansion of the governing coalition and the tendency toward party cartelization, this article addresses the question of why PKS chose to maintain its opposition stance while most political parties joined the government. This study employs a qualitative approach with a theory-refining case study design. Data were collected through interviews with PKS elites and political observers, official party documents, parliamentary records, electoral data, media reports, and academic literature. The analysis …

How Psychological Capital Promotes Student Flourishing: Mediating Effects Of Career Adaptability And Study Engagement, Sana Nisar, Adnan Adil, Sultan Shujja, Samina Rashid

Journal of Social, Behavioral, and Health Sciences

In today’s rapidly evolving academic and occupational landscape, understanding the psychological resources that support student well-being is critical. This study investigates the predictive role of academic psychological capital (PsyCap) in fostering flourishing among Pakistani university undergraduates, specifically identifying the mediating mechanisms of career adaptability and study engagement. Grounded in career construction theory and the JD-R model, the research contributes to theory by positioning PsyCap as a key personal resource that facilitates adaptive capacity and meaningful engagement. Data from 350 undergraduates in public-sector universities were analyzed using path analysis. Results revealed that PsyCap significantly predicted flourishing (β = .35, p …

Public Responses About Air Quality In The World’S Ten Most Populous Countries, Noah Lim, Alessandro Del Ponte, Lina Ang, Wei Jie Seow

Political Science Faculty Articles and Research

Understanding how people view and react to outdoor air quality is crucial to effectively managing and responding to air pollution, which is a major threat to global public health. Using a quota sample of 10,618 respondents from 1,372 localities across the world’s ten most populous countries (Bangladesh, Brazil, China, Indonesia, India, Mexico, Nigeria, Pakistan, Russia, and the United States), we assessed the association between exposure to fine particulate matter with diameter ≤ 2.5 micrometers (PM2.5) and people’s knowledge, attitudes, perceptions, practices, and concern about air quality. Overall, we find an inverse association between air pollution exposure and knowledge about air …

Generosity After Negative Random Shocks, Hernán Bejarano, Joris Gillet, Ismael Rodriguez-Lara

ESI Working Papers

We report the results of three preregistered experiments examining the effects of negative random endowment shocks on generosity. Using a dictator game, we show that generosity is greater towards those who experience a negative random shock, and this effect is larger than the effect inequality has on giving. Our data provide evidence that people do not expect this additional level of generosity after a shock and that injunctive norms cannot explain it either. Taken together, our findings suggest that the (high) level of generosity observed after negative random shocks is unexpected and exceeds what people consider to be socially appropriate. …

Potential Discriminatory Practices Related To Working Remotely, David M. Savino, Danielle C. Foster

Journal of the North American Management Society

There are numerous implications of the recent "return to the office" push, including evolving influences on corporate culture, job redesign, the role of technology, and the significant potential for unequal treatment and discrimination. Recent research and studies indicate that the workers involved in remote work are most likely to be women, workers of color, and the disabled. While remote work is not a protected classification under state or Federal law, these individuals are members of protected classes as determined by fair employment law. Therefore, disputed and evolving policies regarding the use of remote work related to these individuals could easily …

Climate Change And Desert Ecosystem Resilience: A Systematic Review Of Impacts, Adaptation Strategies, And Sustainability Pathways, Ghada Abd Elsattar Mohammed Oraby, Garmat Zahra

Jurnal Pendidikan Geografi: Kajian, Teori, dan Praktek dalam Bidang Pendidikan dan Ilmu Geografi

Desert ecosystems are among the most climate-sensitive environments on Earth, where rising temperatures, altered precipitation regimes, and increasing aridity threaten ecosystem stability, biodiversity, and ecological functioning. Despite covering more than one-third of the global land surface, a comprehensive understanding of how climate change affects desert ecosystem resilience and the effectiveness of adaptation strategies remains limited. This study conducted a systematic review following the PRISMA framework to evaluate the impacts of climate change on desert ecosystem resilience and to identify effective adaptation and restoration pathways. A total of 16 high-quality studies were selected from 403 records retrieved from the Scopus database. …

Trends And Directions Of Sustainable Halal Tourism Development: A Systematic Literature Review With Special Reference To Malaysia, Anna Mariana Zebua, Bayu Wijayanto, Dedi Hermon, Febriandi Febriandi, Rosmadi Fauzi

Jurnal Pendidikan Geografi: Kajian, Teori, dan Praktek dalam Bidang Pendidikan dan Ilmu Geografi

As an emerging sector in the global tourism industry, halal tourism is projected to inspire behavioral changes and policy strategies rooted in sustainability principles, particularly within faith-based communities and from the perspective of tourism geography in Malaysia. This study aims to identify research trends, analyze key sustainability determinants, and determine the direction of sustainable halal tourism development in Malaysia through a Systematic Literature Review (SLR) following PRISMA guidelines, screening 20 articles from Scopus, Google Scholar, and Web of Science (2020–2025). Findings reveal that halal tourism development is shaped by national policy integration, uniform certification systems, and strong institutional coordination. Sustainability …

Evaluation Of Tsunami Preparedness And Appraisal Of Disaster Mitigation Education In Kebumen Regency, Indonesia: An Application Of Marker-Based Augmented Reality Approach, Muhammad Guruh Bintang Wicaksana, Erni Suharini, Andi Irwan Benardi, Edi Kurniawan, Puji Lestari, Atta-Ur Rahman

Jurnal Pendidikan Geografi: Kajian, Teori, dan Praktek dalam Bidang Pendidikan dan Ilmu Geografi

This study addresses the critical gap in tsunami disaster mitigation education and the lack of interactive, contextually field-based disaster education media. It develops and evaluates a tsunami preparedness medium using a Marker-Based Augmented Reality (MBAR) approach, specifically tailored to the tsunami risk profile of Karangbolong Village, Kebumen Regency, Indonesia. Methodologically, the study integrates three frameworks: a disaster literacy model (knowledge, skills, attitudes), a disaster literacy continuum (basic to critical), and the UNESCO-IOC Tsunami Ready 12-indicator framework, combining them into a single instructional product developed through the Multimedia Development Life Cycle (MDLC). This integration of all three frameworks into one locally …

Voters’ Perception Of Nigeria’S Electoral Process: An X-Ray Of The 2023 Presidential Election, Omamurhieme Julia Akpodovhan, Chukwuma Anyanwu Dr

International Review of Humanities Studies

In its six decades of post-independence, Nigeria has experienced the best and worst in military and democratic governance fluctuating from one to the other. It has purportedly settled into a democracy but with highly flawed electoral processes. This paper interrogates the February 25, 2023 Presidential election with a view to assessing the perception of voters in the exercise to determine whether there has been an improvement or otherwise in the status quo of how previous elections were conducted. Drawing from historical antecedents, participant observation and opinion poll research techniques, the authors relied on information from five of ten polling booths …

Implementation Of Halal Industry Financing Schemes In Indonesia: Strategies And Challenges, Sania Faradila Aisyah Supardi, Nurwahidin Nurwahidin

Journal of Middle East and Islamic Studies

The link between the Halal Industrial Ecosystem and Sharia Finance has become an increasingly relevant and significant topic in the context of the rapidly developing global economy. This study aims to identify how the halal industry and Islamic finance support each other in an increasingly complex ecosystem. This study uses a literature review method that discusses the role of Islamic finance in providing financing support in accordance with Sharia principles for the halal industry, which includes financing for working capital, investment, and risk protection. Furthermore, this study also identifies the challenges faced by Islamic finance in supporting the halal industry, …

Governance, Culture, And Law: The Expanding Scope Of Environmental Science And Sustainable Development Research, Ahyaudin Sodri, Herdis Herdiansyah

Journal of Environmental Science and Sustainable Development

Environmental science emerged as a discipline based on physical measurements, such as soil pollutant levels (Ailijiang et al., 2022), ecological restoration (Yue et al., 2026), city surface temperature (Shafizadeh-Moghadam et al., 2025), and microbial density in air samples (Hayleeyesus & Manaye, 2014). However, its objects of study increasingly extend beyond the confines of the laboratory. Questions that were once sufficiently answered with measurement data now require answers through draft laws, Constitutional Court decisions, financial reports of mining companies, and even traditional ritual discourses governing community access to forests. In other words, environmental …

Onomatopoeia In The Digital Comic The Wormworld Saga (2010), Nur Kholidah, Julia Wulandari

International Review of Humanities Studies

This study examines the forms and meanings of onomatopoeia derived from concrete sounds in the digital comic The Wormworld Saga. The study aims to explore the use of onomatopoeia in The Wormworld Saga and to describe its forms and meanings using a descriptive qualitative method. This study analyzes the forms of onomatopoeia based on the categories proposed by Gross (1988) and analyzes their meanings based on the classification proposed by Körtvélyessy and Štekauer (2024). The results show that there are 54 onomatopoeia classified as concrete sounds. In terms of form, the most common onomatopoeia are non-word forms, accounting for 41 …

The Indonesian Conjunction Dan ‘And’ And Its Chinese Correspondences: A Corpus-Based Approach To Syntactic And Register Variation, Hatmi Idris

International Review of Humanities Studies

This study examines how the Indonesian conjunction dan ‘and’ is rendered in Chinese across syntactic units using a corpus-based contrastive approach. Focusing on children’s books, classic novels, and online news, it analyzes coordination at word, phrase, and clause level from a syntactic and register perspective. Findings show that dan ‘and’ does not correspond to a single Chinese form. At the word and phrase level, nominal coordination employs hé (和) ‘and’, yǔ (与) ‘and’, and yǐjí (以及) ‘as well as’ , with formal news discourse favoring yǔ (与) ‘and’ and yǐjí (以及) ‘as well as’. In verbal coordination, bìng (并) ‘furthermore’ …

Contested Borders And National Identity In Southeast Asia: An Analysis Of Thailand– Cambodia Dispute Through Nontawat Numbenchapol’S Documentary Film, Boundary, Mirwan Andan

International Review of Humanities Studies

Southeast Asia remains a region marked by numerous interstate border disputes. Among these, the Thailand–Cambodia border dispute surrounding the Preah Vihear Temple, located between Sisaket Province in Thailand and Preah Vihear Province in Cambodia, represents one of the conflicts with the greatest potential to affect regional stability and harmony in the region. This dispute extends beyond questions of territorial sovereignty, encompassing the construction of national identity, historical memory, and the domestic political dynamics of both countries. This article examines the representation of nationalism in Boundary (2013), a documentary film directed by Thai independent filmmaker Nontawat Numbenchapol. Drawing on perspectives interdisciplinary …

Sumedang Larang Heritage Trail Experience: Tracing Cultural Footsteps From The Ancient Palace To Traditional Citizens' Dwellings, Retno Raswaty

International Review of Humanities Studies

The heritage trail, or the tracing of historical footprints as an approach to preservation and cultural education in Sumedang Larang culture, will lead to an experience that opens insights into life in the old center of power to the residential patterns of citizens filled with wisdom. As a cultural landscape, the traces of Sumedang Larang are still alive in urban spaces, sites, social practices, and the current residential layout of the community. Through a space-reading based on walking, this article outlines major points of interest such as the town square (alun-alun), the palace or museum, pilgrimage sites, old paths, strategic …

Radical Responsibility: Sartre And The Ecocentric Erosion Of Human Agency, Khodadad Azizi, Naupal Asnawi, Abby Gina Boang Manalu

International Review of Humanities Studies

Contemporary ecological crisis persists despite decades of environmental ethics discourse and rising public awareness, a discrepancy researchers have named the awareness-action gap. One influential corrective, running from Aldo Leopold’s land ethic through Arne Naess’s deep ecology, addresses anthropocentric domination by folding the human being back into the biotic community as one member among others. This article argues that such levelling, whatever its merits against domination, carries an underexamined cost: it erodes the very ground on which anyone can be held responsible for ecological destruction, since only a being capable of choice, not soil, water, or rock, can be asked to …

Hairdressing Service Request In Japanese, Kirana Insyafira Rafa, Filia Filia Dr.

International Review of Humanities Studies

This study aims to explain the request for hairdressing services in Japanese beauty salon, focusing on the use of verbal and nonverbal markers. This study use descriptive qualitative design. The data source consists of video conversations between clients and hairstylist on the NARIKYO channel on YouTube. The results of analysis revealed 128 request data through two strategies, such as 77 verbal and 51 nonverbal. Verbally, desiderative forms (such as -tai and -hoshii) with 33 data, followed by declarative forms (such as -ga ii, omakase de, unfinished tense) with 17 data and embedded forms (such as -you na, -mitai na, -hou …