The International Journal of Banking and Financial Services focuses on the institutions and infrastructure that move and safeguard money. We publish research on commercial and central banking, financial intermediation, the rapidly expanding fintech sector, and the products and services through which households and firms access finance.

Our scope includes credit and liquidity risk, payments and digital banking, investment and capital markets, financial regulation and systemic stability, and the drive toward financial inclusion. We welcome studies of both mature and emerging financial systems and encourage work on how technology, data, and regulation are jointly transforming the delivery of financial services.

Submissions are assessed for analytical rigour, empirical credibility, and relevance to bankers, regulators, fintech innovators, and scholars of finance. By publishing open access, the journal aims to advance understanding of resilient, inclusive, and well-regulated financial systems, and to inform the institutions and policies that determine how effectively finance serves the real economy.

Submissions may be empirical, theoretical, or policy-oriented, including studies of bank behaviour, fintech innovation, risk, and regulation across diverse financial systems. We look for sound methods, credible data, and clear implications for practice. Published open access, the journal reaches bankers, regulators, fintech innovators, and finance scholars, advancing the evidence needed to build inclusive, resilient, and well-governed systems for delivering financial services.

Topics Covered

• Banking & Intermediation
• Financial Services & Fintech
• Credit & Liquidity Risk
• Payments & Digital Banking
• Investment & Capital Markets
• Financial Regulation & Stability
• Financial Inclusion
• Global & Cross-Border Finance