This study descriptively explores the contribution of Central Bank cashless policy of point -of sale (POS) to the growth of financial inclusion in Sokoto State using a survey dataset for a sample of three hundred and eighty-four (384) respondents. In the analysis, the study used descriptive technique in form of mean and standard deviation. The study found that point-of-sale has contributed positively to the growth of financial inclusion in Sokoto State. Based on the outcome, this study suggests that Central bank and deposit money banks should encourage the establishment of many point-of-sale locations in both urban and rural areas of the state with view to achieve and accelerate the target financial inclusion.

There is much empirical evidence that Ghanaian banks have adopted electronic banking. By using an automated teller machine, the internet, a phone call, or a mobile device, customers of a bank can request information and conduct majority of banking transactions without having to physically visit the bank branch. Electronic banking, entails all kinds of bank transactions carried out through an electronic medium. This study evaluates how COVID-19 has affected bank clients' adoption of electronic banking in Ghana. Using explanatory research approach and purposive sampling technique, we applied SPSS tool on data collected from four-hundred (400) respondents of a targeted customer population to meet the study's goal. Self-administered close-ended questionnaires were used to collect primary data from the respondents.

Micro, Small and Medium Enterprises or MSMEs have proven to be the spearhead of the Indonesian economy at the national, regional, and regional levels, including in the Regency/City of Tasikmalaya. The sustainability of MSMEs is a success in business ventures. This can be seen from the digital marketing strategy, financial management, and access to capital, which are the determining factors for the competitiveness of MSMEs products. This study aims to determine the effect of digital marketing, access to capital, and financial management on product competitiveness in Tasikmalaya Regency/City. It can be used as supporting and evaluation material in planning activities and policy planning, increasing MSMEs product competitiveness in Tasikmalaya Regency/City. The research method used quantitative research using a questionnaire instrument distributed to MSMEs actors in the Tasikmalaya Regency/City with 74 respondents. The data analysis technique used is multiple linear regression with the help of the SPSS program. The study results show that digital marketing, access to capital, and financial management positively affect product competitiveness in Tasikmalaya Regency/City.

To ascertain if regional economic integration insulates member countries from external spillovers, this work studied the transmission of trade shocks between ECOWAS and the global economy. It adopted the Diebold and Yilmaz (2009) network approach using quarterly data from 1986Q1to 2019Q4 for selected countries. Data were subjected to preliminary tests using the Phillip-Peron unit root test to establish the order of statonarity and Johansen co-integration test to establish existence of co-integration among variables. Following results of preliminary tests, the underlying VAR model was estimated in error correction form. The forecast error variance decompositions (FEVDs) were subsequently generated and used to build generalized trade linkage measures for analysis. Result of the analysis show that ECOWAS economies are highly linked to the global economy, and are net receivers of trade shocks. The study recommends ECOWAS countries diversify to heavy industrial manufacturing, fashion out uniform trade policies to insulate the region from potential trade shocks.