White PapeR MALAYSIA’S HOUSEHOLD DEBT AND FINANCIAL STABILITY IN TRANSITION COFI RESHAPES INSURANCE SECTOR IN NEW ZEALAND DEBT SURGE IN MALAYSIA REFLECTS RISKY GROWTH GAMBLE MALAYSIA RECALIBRATES FINANCE AMID SHIFTING GLOBAL HEADWINDS PREDICTIVE INTELLIGENCE SHAPING THE FUTURE OF INSURANCE IN NEW ZEALAND A PIVOTAL TURN IN NEW ZEALAND’S CLIMATE FINANCE POLICY UNDERSTANDING THE CHANGING DYNAMICS OF MALAYSIA’S EQUITY MARKETS BALANCING THE PLANET & PROFITS IN MALAYSIA'S GREEN FINANCE REVOLUTION AI'S MULTIDIMENSIONAL IMPACT ON SERVICES, CREDIT, AND OPERATIONS MILLENNIALS, GEN Z RESHAPING CUSTOMER SERVICE & PERSONALIZATION IN MALAYSIA BNM’S STRINGENT REPORTING MANDATE: A PARADIGM SHIFT IN FINANCIAL REGULATION INDIA AND NEW ZEALAND FORGE NEW ECONOMIC PATHS, CULTURAL TIES ISLAMIC FINANCE IN ACTION: ETHICAL BANKING DURING THE HOLY MONTH ETFS VS. TRADITIONAL INVESTING: THE BATTLE FOR MARKET SUPREMACY