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Author:  L. Hartwell Affiliation:  Independent Researcher Abstract Public attention recently focused on Revolut CEO and co-founder Nikolay “Nik” Storonsky after reports that his residence had appeared as the United Arab Emirates (UAE) in a UK corporate filing and was later amended back to the United Kingdom (UK). Media accounts suggested the UAE listing triggered questions because Revolut remains closely engaged with UK regulators and banking-licence processes, and later repo

Author:  L.Hartmann Affiliation:  Independent Researcher Abstract The Bre-X Minerals Ltd. scandal remains one of the most consequential corporate frauds in modern resource history: a claimed Indonesian gold discovery that helped propel a small Canadian explorer into a market capitalization measured in billions, before collapsing when the core samples were revealed to be “salted” with added gold. Although the events peaked in the mid-1990s, Bre-X is trending again in today’s e

Author:  L. Hartwel l Affiliation:  Independent Researcher Abstract Clearing house interbank payment systems are the largely invisible infrastructures that move value between financial institutions, enabling payroll, card settlement, securities settlement, cross-border transfers, and increasingly, instant payments for consumers and businesses. Although these systems are often viewed as technical utilities, they have become a “trending” topic in technology, management, and fin

Author:  Nadia El-Hassan Affiliation:  Independent Researcher Abstract A striking statistic often circulates in debates about higher education quality: “Nearly 40% of students in Switzerland do not finish on time.”  Read quickly, it can sound like a failure story. Read carefully, it is something else: a measurement of time-to-degree , not a measurement of whether students ultimately succeed . Using recent OECD evidence on bachelor’s completion in Switzerland—showing that 39%