This paper presents a systematic literature review, conducted following the PRISMA 2020 framework, to investigate the role of digital and technological tools in facilitating Circular Economy (CE) adoption within small and medium-sized enterprises (SMEs). Despite their critical contribution to global economies, SMEs encounter significant barriers, including financial constraints, technological complexity, and regulatory ambiguities that hinder their transition to circular models. This review synthesises evidence from 45 peer-reviewed journal articles, case studies, and industry reports published between 2018 and 2025. The findings demonstrate how technologies such as AI, IoT, and blockchain enhance resource efficiency, supply chain transparency, and product lifecycle management. Key enablers identified include government subsidies, targeted training programmes, and collaborative innovation networks, which collectively mitigate adoption barriers. Employing a critical analytical lens, this review moves beyond cataloguing tools, synthesising findings into an integrative framework that links SME digital maturity with circular innovation capacity. The study offers a unique theoretical contribution by merging the discourse on digital transformation with circular economy principles within the specific context of SMEs, an area that has not been thoroughly examined. Practically, it offers actionable implications for SME managers, policymakers, and technology developers, advocating for tailored, cost-effective digital solutions and coherent policy frameworks. By mapping the current research landscape and proposing a focused agenda for future inquiry, this review aims to accelerate sustainable innovation and bolster the competitiveness of SMEs in an evolving circular economy.

In today's fast-paced and ever-evolving business landscape, effective risk management and pricing strategies have become crucial for organisations to stay competitive and maximise profitability. In order to effectively manage risks, identify possible threats, and seize opportunities, businesses need to take a proactive and holistic approach to risk management. The current business landscape has left businesses of any size or type, anywhere in the world, facing a wide range of risks which could cause them long-term harm, from financial penalty to reputational damage. Through a systematic review of the literature, this book chapter delved into the ways in which technology is being leveraged to ensure business resilience in risk management, exploring insights from different perspectives and providing an in-depth understanding of the options available. This book chapter also proposed strategic approaches to leveraging and integrating these technologies and innovations into effective risk management and ensure business continuity and resilience.

The advent of digital financial technology left the business community and its clients celebrating convenient ways of online shopping, paying bills and money transfers. However, digital banking technology came with its share of challenges, due to highly digitalised economies in the context of the Fourth Industrial Revolution, cyber fraudsters are increasingly targeting and leveraging on financial market infrastructures. Cyber security of banking institutions and the financial systems across the globe remains a major concern of Central Banks, investors, internal auditors and financial risk managers. The purpose of this research paper was to examine the efficacy of cyber fraud prevention measures used by commercial banks in Zimbabwe. The study also looked into the difficulties encountered in managing cyber-fraud. Results indicate that cyber fraud risk management strategies adopted by Commercial banks are partly effective which indicates existence of opportunities for cyber fraudsters to attacks and get away with it at the expense of clients, banks and the financial system as a whole. Results also indicate that Commercial banks are facing quite a number of challenges which include the following: lack of sophisticated systems, cyber attackers are always ahead, some of the clients do not take awareness messages send to them seriously, some clients share passwords and credit cards and lack of enough education and knowhow of employees. The study therefore concludes that, cyber fraud risk management strategies adopted by Commercial banks are partly effective. Monetary and fiscal authorities need to continue monitoring Commercial banks with regard to implementation of cyber security risk based supervision framework.

Background: Given the rate at which the labour force in Zimbabwe's informal sector continues to evolve, steps need to be taken to promote a culture where employees contribute towards their social insurance. Social insurance is significant since it helps informal sector workers to prepare for life's predictable and unpredictable events, such as retirement, unemployment, old age, incapacity, death and health challenges. Objective: Motivated by the increasing number of workers in the informal sector in Zimbabwe, this study aimed to explore the attitudes and perceptions of this group of people towards social insurance coverage and investigate strategies for extending social insurance to informal sector workers. Method: To achieve the objectives, convenience sampling was employed, and 115 questionnaires from informal sector workers of Jerera Growth Point were analyzed. Data collection involved the use of a questionnaire. A convergent parallel research design was adopted, with quantitative and qualitative data being analyzed to gain insight into the perception of informal sector workers. Results: The study's findings demonstrate that workers in the informal economy have a negative attitude towards social insurance coverage. Additionally, the results demonstrate that the age of informal sector workers affects their intention to contribute towards social insurance coverage. The results also demonstrate that employees in the informal sector need more basic knowledge about social insurance and how to apply for social insurance coverage. Conclusion: The study concluded that workers in the informal economy lack faith and confidence in those who provide social insurance services, explaining why they perceive social insurance coverage negatively. Keywords: coverage, informal, insurance, pension, social, retirement

The purpose of this study was to assess financial inclusion status of University students in Zimbabwe. In order to achieve this objective, 109 students from across six State Universities participated in the study by completing questionnaires. Data analysis was enhanced through SPSS version 23. The findings of the study reveal that most university students own a bank account. However, a small number are applying and accessing bank loans. In addition, a number of impediments have been found that prevent certain university students from being financially included. These obstacles include insufficient income to fund bank accounts, excessive bank fees, a lack of trust and confidence, and ignorance of the prerequisites for opening a bank account. The study also found that there is a lot of potential in terms of university students' financial inclusion because most of them have smartphones that can be used for online banking, the majority of them said they are considering opening a bank account in the future, and the majority of them said they understand the significance of financial inclusion. The following recommendations were made: the financial sector should provide unique financial services for students under the guise of inexpensive student loans, accounts and financial education.