This paper explored the impact of capital regulation on the banking industry in Nepal and sought to understand the reasons behind the requirements for higher capital in the country compared to global standards set by the Basel Committee on Banking Supervision (BCBS). The paper incorporated semi-structured interviews with experts from banks and the Nepal Rastra Bank (NRB) and employed thematic analysis to analyze the responses. The main factors driving higher capital requirements in Nepal were identified as risk management practices, financial stability, and the cost of financing, including the supervisory review process and the internal control systems of banks. The study found that the banking industry in Nepal lacks strong risk management policies and practices and that the regulator places a greater emphasis on ensuring the stability and resilience of banks rather than minimizing the economic cost of financing. Additionally, the corporate governance and internal control systems of banks in Nepal were found to be suboptimal.

Nepal's reliance on imports and its vulnerable position to external economic shocks, understanding the factors that drive inflation is especially important in order to ensure stability and competitiveness in the country's economy. This research aims to explore the factors t hat influence inflation in Nepal over the period from 2000 to 2021. To do so, we analyzed the relationship between the current account, government expenditure, money supply, and inflation using empirical methods and statistical techniques such as the OLS method and ADF test for stationarity, as well as static forecasting and a VAR model. We hypothesized that a deficit in the current account, high levels of government expenditure, and an increase in the money supply may contribute to higher domestic inflation. Our analysis revealed that there was high multicollinearity and non-stationary time series data, but the regression model had satisfactory predictive power. Additionally, we found that an exogenous shock to inflation had an immediate effect on government expenditure, current account, and money supply, and there was a unidirectional causality between inflation and money supply. These findings can help policymakers make informed economic decisions to minimize negative impacts on Nepal's economy.

The tourism industry is a major part of the global economy but is also affected by crises and disasters. The COVID-19 pandemic has presented challenges for tourism and hospitality business owners in maintaining sustainability while also keeping employees safe. Despite studies on how to manage uncertainty, there is a lack of concrete examples and research on actual practices used by businesses in this sector, particularly in Nepal. This research identifies and explores the adaptations made by hospitality business owners to maintain continuity and employee safety during this uncertain time. This research, using a qualitative approach and semi-structured interviews in a conversational style with five tourism business owners in Pokhara, explores the adaptations made by these businesses to maintain continuity and employee safety during a crisis and pandemic. The paper analysed data collected from interviews through thematic analysis and used pseudonyms to protect participant anonymity. Four key adaptation strategies were identified: human resource management, reorganising operations, managing health aspects and implementing specific crisis management measures. The findings revealed that businesses were able to explore new opportunities, invest in technology, and improve efficiency. They also provided training and monitoring for sanitation and hygiene, and adapted to changes in guest and host behaviour. The paper highlights the efforts these business owners made to adapt and sustain their businesses during a difficult time.

The study examines the factors that affect the adoption of digital banking by clients of commercial banks in Nepal. The paper used a survey questionnaire to collect primary data from a sample of 384 respondents and applied statistical tools including descriptive statistics, correlation analysis, reliability testing, and regression analysis to analyse the data. The results showed that facilitating conditions, effort expectancy, and habit had a significant positive impact on digital banking adoption, while social influence and performance expectancy did not have a significant effect. The regression analysis identified habit as the strongest predictor of digital banking adoption, followed by effort expectancy and facilitating conditions. Overall, the findings suggest that banks should focus on making their digital banking services convenient and reliable to encourage more widespread adoption.