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Introduction: Lending is an age-old concept, and Peer-to-Peer (P2P) lending is not new. The reduction in the issuing of loans by banks has made people switch from traditional to online mode. The introduction of the online P2P lending industry is in its nascent stage of growth. As this industry is relatively new, understanding user experience, sentiments, and emotions would be helpful for the industry to innovate as per customer requirements.

Purpose: To explore the patterns in the sentiments expressed by users of ‘Cashkumar’ based on Google reviews.

Methodology: Sentiments have been analysed using user experience in risk, cost, ease of use, and loan processing time. Python application was used for sentiment analysis of Google reviews.

Findings: The sentiment analysis results showed that the average sentiment score was 0.7144, which indicates that the user sentiment towards ‘Cashkumar’ is positive. The reviews reflect that the users, especially borrowers were satisfied with the platform’s services and happy with loan processing time. The other factors – ease of use, cost, and risk – were not given much importance by users. Both lenders and borrowers faced a few issues, but the results of the lender’s sentiment analysis could not be generalised due to a smaller number of posted reviews.

The purpose of this research is to find the best solution in cutting the poverty chain in the human capital development framework based on human capital investment with the opportunity and threat of Internet Inclusion and Financial Inclusion. This study uses a vector error correction model to see the relationship between variables, response, and impulse between variables to provide an overview of the relationship between variables during the study period and forecast future variable trends. We found that technological and financial inclusion P2P Lending can be an opportunity and a threat to developing the Indonesian people's human capital to reduce poverty. Human capital is proven to be effective in reducing poverty. Increasing human capital through human capital investment supported by inclusion technology and financial inclusion can reduce Indonesia's poverty. Financial inclusion can increase entrepreneurial and economic growth.

Quality management was introduced to the European higher education with the decision made by European Union Ministers of Education in Bologna, year 1999. This paper describes its effect on the Kuopio University Library, Finland. Quality management has been used in the library as a tool for reorganizing the management, as well as, a tool for marketing and improving customer oriented library and information services.

Purpose: Thanks to the Fourth Industrial Revolution and the digital economy, digital banking has become an attractive business trend. Moreover, the spreading of the Covid-19 virus worldwide over the past two years has boosted the digitalisation of banking services. The development of digital banking is now becoming an uncontroversial issue that will attract the concern of scholars, bank managers, and policy-makers.

Methodology: As an emerging country with a young population having significant digital appliance joy, Vietnam will be a perfect case study to research the development of digital banking. Besides, digital banks, as well as the appliances of artificial intelligence (AI) in the banking sector, have appeared in Vietnam’s banking system at several different levels.

Findings: Moreover, most commercial banks in Vietnam are now in the race to complete their digital services to provide innovative digital banking services that add more value to their clients. Hence, the chapter will describe the overall picture of Vietnam’s current digital banking market.

Implications: Based on the crucial features of the operations of several digital banks and the appliances of AI in the digital banking sector in Vietnam during the chosen period, the author would like to give information on the potential of the Vietnamese digital banking market and suggest the key policies which the Vietnamese government should consider to support the digital transformation of the banking sector in Vietnam.

Financial technology or FinTech companies are relatively new players in the market. The ideas of alternative options to banks were widely discussed since October 2008 when Satoshi Nakamoto published a paper “Bitcoin: A Peer-to-Peer Electronic Cash System.” Since this topic is not yet thoroughly studied and investigated, it especially appeals to the author to elaborate on that topic and follow the evolution and development of FinTech as well as its influence over banks. Without no doubt there will be brought up probable limitations and challenges that could decelerate the advancement of fresh alternative to traditional banking. The development of technology in the financial sector has led to the formation of a new financial and technological ecosystem. Revolutionary innovations in the field of financial services arise in the interaction of both organizations among themselves and organizations with customers. In the interaction between organizations, new companies appear that develop and offer technologies in the field of payment services at a lower price and on more favorable terms, unlike financial organizations.

Drawing mainly on the ideas of Manuel Castells, this article discusses how globalization and informatization condition the development of public libraries. To explore this issue, recent public library strategies developed in Britain and Finland are analyzed. The analysis demonstrates how public libraries stand for structures that support and consolidate life forms in local communities that need to adjust to contextual changes. In this way, public libraries serve as mediating and filtering mechanisms in local-global interaction. To do this they may utilize the tools derived from the following four strategic options: institutional resource strategy; networking strategy; commercialization strategy; and civil society strategy. Whatever is the strategic choice or their mix at the national or local level, it seems essential that libraries utilize the potential of a hybrid library, which as a new library paradigm combines traditional local dimension with networked and ubiquitous library services.

The evolution of new technologies like cloud computing, artificial intelligence and block chain has led to phenomenal growth of the FinTech Industry. The digital-only banking also known as neo, virtual or challenger banks leverage these technologies with the ultimate aim of enhancing the reach of the formal banking sector to the hinterlands of our country which are currently plagued with the problem of inadequate infrastructure. It is evident that convergence of the neo-bank with the traditional banking system would be a path-breaker as it caters to the gamut of services which can be offered to the end customer. Recent trends indicate that regulators are concentrating on consolidating different enactments in the form of codes instead of separate and piecemeal laws to control regulatory cholesterol and promoting digital technologies, thereby nurturing competitiveness in the market. Through this chapter we aim to do a comparative analysis of the technological advancements and its implementation in India with other jurisdictions. We will be relying on secondary data sourced from various governmental websites, surveys and journals. With the FinTech industry gaining traction and decentralization of this sector, it becomes imperative to have proper regulations to curb unwarranted risks, the absence of which might just halt the potential growth and can turn out to be a nightmare for the economy if not dealt with caution. There exists unexploited potential in the digital sector which can also be used across the borders to realize its true worth. However, it should be based on responsible innovation which attends to the interoperability issues while preserving the functioning and stability of the financial system.

Traditionally, libraries have collected statistical data about their collections, acquisitions, lending, and inter-lending activities. In time, the number of statistics was enlarged and differentiated, and in many cases, it now comprises several hundred data points. These range from the number of incunabula or microforms in the collection, the expenditure on preservation or buildings to the number of issues made, claims and reservations placed or visits made to exhibitions and special events. These statistics are, for the most part, collected nationally, but libraries also tend to collect additional statistics, (e.g. for special tasks and activities like legal deposit right, special collections, or services for special user groups).

While many believe that nonperforming loans (NPLs), privatization of banks, informal lending, and other forms of shadow-banking, as well as technological advances in machine learning for assessing creditworthiness will place China's financial regulatory system on a trajectory toward openness and privatization, other trajectories are possible and likely. Consider that each disturbance can be met with controlled alternatives. For NPLs, there are asset management companies; for informal lending, there is new technology to lower transaction costs and increase formalization and consolidation; for systemic risk presented by other forms of shadow-banking, there is systemic isolation of the traditional banking sector which substantially lowers that risk; and while machine learning promises more accurate assessments of creditworthiness for millions of individuals and small- to medium-sized enterprises, it promises far less improvement to assessments of China's 3,500 large enterprises that present substantially different variables. Privatization and openness is not necessary for China's continued development for a time just as liberalized payment regimes and foreign direct investment rules do not imply the implementation of broad, liberal capital controls. Financial regulators in China, therefore, will continue to implement policies of limited and piecemeal openness so long as the benefits of control continue to exceed those of faster-paced development.