Table of Contents                           

1The Opportunities and Challenges of Using Artificial Intelligence in Human Resource Management Practiceshttp://transglobalresearchjournal.org/wp-content/uploads/2026/04/The-Opportunities-and-Challenges-of-Using-Artificial-Intelligence-in-Human-Resource-Management-Practices.docx-3-3.pdf 
2Sustainable Business Practice & CSRhttp://transglobalresearchjournal.org/wp-content/uploads/2026/04/Sustainable-Business-Practice-CSR.docx-2-4.pdf 
3Banqual Modelhttp://transglobalresearchjournal.org/wp-content/uploads/2026/04/Banqual-Model.docx-3-7.pdf 
4The Moderating Effects of Gender and Religion on the Relationship between Digital Financial Literacy and Financial Well-beinghttp://transglobalresearchjournal.org/wp-content/uploads/2026/04/The-Moderating-Effects-of-Gender-and-Religion.docx-4-2.pdf 
5Intelligent HR_ IBM’s Watson and the New Era of Workforce Transformationhttp://transglobalresearchjournal.org/wp-content/uploads/2026/04/Intelligent-HR_-IBMs-Watson-and-the-New-Era-of-Workforce-Transformation.docx-3-2.pdf 
6BNPLhttp://transglobalresearchjournal.org/wp-content/uploads/2026/04/BNPL.docx-4-2.pdf 
7Assessing the Impact of Fintech on Banking Customerhttp://transglobalresearchjournal.org/wp-content/uploads/2026/04/ASSESSING-THE-IMPACT-OF-FINTECH-ON-BANKING-CUSTOMERS.-TRJ-JOURNAL-1.docx-5-2.pdf 

The Opportunities and Challenges of Using Artificial Intelligence in Human Resource Management Practices

Sustainable Business Practice & CSR

Banqual Model

The Moderating Effects of Gender and Religion on the Relationship between Digital Financial Literacy and Financial Well-being

Intelligent HR_ IBM’s Watson and the New Era of Workforce Transformation

BNPL

Assessing the Impact of Fintech on Banking Cus

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