The Bank and Policy Journal is committed to the principles of ethical research dissemination and global knowledge accessibility. The journal operates under a full open access model, meaning all published content is freely, immediately, and permanently accessible online without financial, legal, or technical barriers. Our open access philosophy aligns with the Budapest Open Access Initiative (BOAI), Berlin Declaration on Open Access, and Plan S principles, ensuring that publicly available research benefits scholars, policymakers, practitioners, and society at large.

Licensing and Reuse Conditions. All articles in the Bank and Policy Journal are published under the Creative Commons Attribution 4.0 International License (CC BY 4.0). This license enables: 

• Sharing — downloading, reading, printing, copying, and redistributing material in any medium or format
• Adaptation — modifying, translating, and building upon the work for any purpose, including commercial use
• Attribution requirement — users must credit the original author(s), reference the journal title, provide a link to the license, and indicate if changes were made

 License URL: https://creativecommons.org/licenses/by/4.0/

 This license guarantees maximum visibility, citation potential, and unrestricted usage of published research while preserving author acknowledgment.

 Copyright and Author Rights

 The Bank and Policy Journal respects author ownership of intellectual property. Authors:

• retain full copyright of their manuscripts
• grant the journal the right of first publication
• maintain full rights to reuse, distribute, or archive their work
• may republish or include the content in future books, theses, or collections
• may share the final published PDF anywhere without embargo

 Article Processing Charge (APC)

 The Bank and Policy Journal does NOT charge any fees to authors at any stage of the publication process.

This includes:

• NO submission fees
• NO review fees
• NO acceptance fees
• NO publication fees
• NO APC
• NO page charges
• NO extra fees for color figures or supplementary files

 Publishing in Bank and Policy Journal is completely free for authors, made possible by institutional support and voluntary editorial contribution to scientific knowledge dissemination.

 The journal believes that financial conditions should never be a barrier to publication, especially for researchers from developing countries, early career scientists, and independent scholars.

 Ethical and Legal Responsibility

 By submitting to Bank and Policy Journal, authors confirm that: 

• the work is original
• proper authorization exists for reused copyrighted material
• research data is presented accurately and honestly
• any potential conflicts of interest are disclosed
• ethical norms and academic integrity standards are respected

 The journal follows the guidelines of the Committee on Publication Ethics (COPE).