Yazar "Latif, Muhammad Nouman" seçeneğine göre listele

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    Fintech adoption in Pakistan: Mobile Wallet Service (MWS) over GDP causality evidence for pre and post COVID-19
    (Kinnaird College for Women, 2023) Latif, Muhammad Nouman; Özcan, Rasim
    This paper aims to analyze the use of mobile wallet services in Pakistan and how they affect both the economy and people's daily lives. Socioeconomically disadvantaged households in Pakistan will swiftly use mobile wallet services due to the increasing adoption of technology. Socioeconomic considerations are the most commonly used criterion for determining whether someone is underbanked or unbanked. We used data on mobile wallet services (MWS) and GDP from the State Bank of Pakistan for the period of 2013 to 2022. We conducted a causality test to ascertain the relationship between Pakistan's GDP and mobile wallet service. We discovered that the relationship between mobile wallet service and GDP is unidirectional. We then conducted an ordinary least square regression analysis, and the findings showed a positive correlation between GDP and mobile wallet service, confirming the causality. Because it is incredibly user-friendly and convenient for clients, it demonstrates that this service attracts attention from the public. Many low-income individuals use it, especially during the COVID-19 pandemic, as opposed to using standard banking systems. We recommend that financial literacy initiatives be taken seriously in order to promote equal financial inclusion in the economy. Mobile wallet users should be encouraged to keep using the service in order to aid the government in revenue mobilization. Additionally, it prevents the movement of illicit funds or fraudulent activity in the financial sector.
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    Human capital, economic complexity, and ecological footprints: Crafting a sustainable development policy framework for E7 nations
    (Wiley, 2024) Hong, Tao; Yin, Jie; Latif, Muhammad Nouman; Ahmad, Mahmood
    Climate change is one of the most pressing challenges of our time, with far-reaching implications for ecosystems, economies, and societies worldwide. Human capital (HUC) and economic complexity (ECC) "understood as structural transformation toward more sophisticated and knowledge-based production" can be pivotal in curtailing ecological degradation. In this context, the study explores the intricate relationship between HUC, financial development, financial globalization, gross domestic product, ECC, and ecological footprints from 1995 to 2021. To achieve this objective, advanced econometric estimation methods are employed. The results indicate the presence of cross-sectional dependence and slope heterogeneity in the dataset. The variables present a mixed order of stationarity, while the Westerlund test indicates the presence of a long-run equilibrium association. The results from the Method of Moments Quantile regression indicate that ECC posed a positive but insignificant effect in the lower quantile (tau = 0.1-0.25), while negative and significant in the middle (tau = 0.50) and upper quantiles (tau = 0.75-0.90). Moreover, financial globalization negatively and significantly affects ecological footprints through all the quantiles except the lower quantile (tau = 0.1). Financial development, gross domestic product, and HUC enhance environmental degradation by escalating ecological footprints. Based on the results, the study suggested enhancing the ECC and financial globalization, while sustainable utilization of HUC and strict regulations for the financial sector to foster sustainable development in E7 countries.
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    Improved estimation of population mean using exponentially weighted moving averages for the time scaled surveys
    (Academy of IRMBR: International Research in Management & Business Realities, 2023) Bati, Bushra; Masood, Saadia; Latif, Muhammad Nouman
    This paper we use exponentially weighted moving average (EWMA) statistic is an improved type statistic that used current and previous information to estimate the population parameter. In this article utilizes EWMA statistic to propose a ratio and product estimator for the surveys based on time scale. The proposed estimators consist of current as well as past sample information. The mean square error expressions of the proposed estimators are derived and mathematical conditions are recognized to prove the efficiency of proposed estimators. The results of simulation study it is discovered from that utilization of the past samples information the performance of estimator in expressions of efficiency. Real life examples are obtainable to determine the use of proposed estimators.