This study addresses the implementation of the International Financial Reporting Standard 9 (IFRS 9) in the European Union as of January 1, 2018, replacing the International Accounting Standard 39 (IAS 39) to introduce a new model for recognizing Loan Loss Provisions (LLP) based on Expected Credit Loss (ECL). This model responds to criticisms of the former Incurred Credit Loss (ICL) system for its inability to reflect credit losses in a timely manner, potentially exacerbating the effects of financial crises (Bushman & Williams, 2015; Gebhardt & Novotny-Farkas, 2011). The study focuses on the effects of adopting the ECL model on the level of Loan Loss Allowances (LLA) in loans, own equity, and the Common Equity Tier 1 (CET1) ratio across 13 Portuguese commercial banks. A mean comparison test is used to evaluate scenarios before and after the application of the ECL model, highlighting the importance of regulator actions and the adequacy of loss recognition policies, including the effects of Regulation (EU) 2017/2395 of December 12. The results obtained demonstrate significant negative impacts on the net values of loans, own equity, and the CET1 ratio upon adopting the IFRS 9 ECL model, due to the widespread increase in LLAs.

This paper aims to provide an evaluation of how Value Added Tax (VAT) policy alterations influence market liquidity, trading volume, and stock performance. To fill the existing literature gap on the direct effect of (VAT) adjustments on stock market dynamic, particulate within the banking industry. The study employs an event study methodology to analyse the immediate and medium-term effects on bank stocks listed in markets subject to a (VAT) adjustments. The core of the study analysis is anchored around two pivotal events, the initial application of (VAT) on 1st January 2018, and the subsequent (VAT) increase to 15% on 1st July 2020 using MATLAB R2022b. The study analysis encompasses the period immediately before and after the introduction and subsequent increase (VAT) in kingdom Saudi Ariba (KSA) employing an eleven sample comprises the (KSA) largest banks with a ±7 days window period from the event. The analysis revels that the imposition of 5% (VAT) lead a substation downturn in trading volume and stock returns of 9.5%, and 39.5%, subsequently. While when the (VAT) was increased by 15% the market exhibited a mixed but ultimately positive response of 3.3% trading volumes increases and 128.7% average stock return recovery.

This paper relies on accounting-based measures of country risk to investigate U.S. global banks' exposure to foreign country risk over the 2017 fiscal year as measured by the sum of cross-border risk, foreign office risk, and derivative risk claims. We achieve this using panel linear modeling methods with country level heterogeneity and time fixed effects, along with a constructed panel data of 284 observations on 71 countries distributed across 6 world regional blocks, and observed over 4 consecutive quarters starting from 4th quarter 2016 and ending with 3rd quarter 2017. The results show that on average, over the four quarters, a 1% increase in foreign banking sector's claims significantly increases U.S. global banks cross border risk exposure by 0.34%, while reducing derivative risk exposure by 0.22%, but have no significant impact on foreign office risk exposure. Similar results are observed with public sector claims which significantly increase banks' exposure to cross border risk by 0.21%, while reducing derivative risk exposure by 0.19%. Conversely however, non-bank financial sector claims are found to have no significant affect on cross-border risk exposure, but significantly reduce foreign office risk exposure by 0.09%, while increasing derivative risk exposure by 0.06%. These results indicate the presence of sectoral heterogeneities in U.S. banks' exposure to foreign counterparties' risk, and also that overall, over the course of 2017 the level of U.S. global banks' cross-border risk exposure increased, while their level of derivative risk exposure decreased, and the level of foreign office risk exposure remained relatively unchanged.

In the repercussions of the latest financial crisis that have occurred on the years 2008-2009, to fortify the stability of the banking systems, policy makers, and the Basel Committee on Banking Supervision – BCBS, together with national regulators have built up a few safety measures, and structures to guarantee that banks establishments keep up adequate capital levels through using risk management tools, in specific the Internal Capital Adequacy Assessment Processes (ICAAP). They all have called for thorough evaluations and assessments for the structure and components of risk management frameworks, tools, and practices whether by banks, regulators, analysts and risk management experts consistently, to ascertain the adequacy of the banking systems, policies, arrangements and techniques for overseeing risks, and guaranteeing the sufficiency of holding appropriate capital levels for confronting normal, as well as adverse and unexpected situations or emergencies. The main objectives of this research study is to shed the light on the ICAAP as one of the main keys of risk management programs, a process by which banks can use to ensure that they operate with an appropriate levels of capital, forward looking processes for capital planning covering a broad range of risks across banks, activities beyond simple capital management, and brings together risk and capital management activities in a form that can be used to support business decisions. The research study shall evaluate the significant relationship between the Banking System Stability (dependent variable) and the Internal Capital Adequacy Assessment Process (ICAAP – independent variable) with evidence from the Egyptian Banking Sector.

Chronic joint inflammatory disorders such as osteoarthritis and rheumatoid arthritis have in common an upsurge of inflammation, and oxidative stress, resulting in progressive histological alterations and disabling symptoms. Currently used conventional medication (ranging from pain-killers to biological agents) is potent, but frequently associated with serious, even life-threatening side effects. Used for millennia in traditional herbalism, medicinal plants are a promising alternative, with lower rate of adverse events and an efficiency frequently comparable with that of conventional drugs. Nevertheless, their mechanism of action is in many cases elusive and/or uncertain. Even many of them have been proved effective in studies done in vitro or on animal models, there is a scarcity of human clinical evidence. The purpose of this review is to summarise the available scientific information on these joint-friendly medicinal plants, which have been already tested in human studies: Arnica montana, Boswelliaspp., Curcuma spp., Equisetum arvense, Harpagophytumprocumbens, Salix spp., Sesamumindicum, Symphytumofficinalis, Zingiberofficinalis, Panaxnotoginseng, Whitaniasomnifera.

The purpose of this study is to establish whether digital literacy and insurtech adoption influence insurance inclusion in Uganda. Principally, we sought to determine whether insurtech adoption mediates the nexus between digital literacy and insurance inclusion. This study adopted a cross-sectional and quantitative correlational approach. The study’s sample was 391 individuals who had used digital platforms such as mobile phones and computers to access insurance products and services in Uganda. Data were collected using structured survey questionnaires. Partial Least Squares Structural Equation Modelling (PLSEM) was employed to test the hypothesised relationships. The results demonstrate that both digital literacy and insurtech adoption significantly and positively influence insurance inclusion. We also found digital literacy to be a significant and positive determinant of insurtech adoption. Markedly, it was found that insurtech adoption mediates the association between digital literacy and insurance inclusion in Uganda. However, this study was conducted in a developing country with an underdeveloped insurance market and with low technological advancement. This may affect generalisation of the study findings. This study’s novelty lies in establishing how digital literacy and insurtech adoption interplay to influence insurance inclusion in Uganda. This is the first study to examine the effect of digital literacy and insurtech adoption on insurance inclusion.

This study investigates the impact of intellectual capital on the sustainable performance of banks in Saudi Arabia, focusing on the period from 2012 to 2022. Utilizing data from ten major Saudi banks, the research examines how different components of intellectual capital—Human Capital Efficiency (HCE), Structural Capital Efficiency (SCE), and Capital Employed Efficiency (CEE)—influence key financial performance indicators such as Return on Equity (ROE) and Net Profit Margin (NPM). The study is grounded in the resource-based view of the firm, which suggests that a firm’s internal resources can provide a sustainable competitive advantage. The analysis employs panel data techniques, including fixed and random effects models, to assess the relationships between intellectual capital components and bank performance while controlling for variables like bank size, financial leverage, GDP growth, inflation, and the impact of the COVID-19 pandemic. The findings reveal that intellectual capital significantly enhances bank performance in Saudi Arabia, with human capital efficiency showing the most decisive influence on ROE and NPM. Structural capital and capital employed efficiency also contribute positively but vary in their impact on different performance measures. This research contributes to the theoretical and practical understanding of the role of intellectual capital in promoting sustainable banking practices. It underscores the importance of strategic management of intellectual capital in enhancing financial performance and achieving sustainability goals, particularly in the context of Saudi Arabia's Vision 2030. The study's insights are relevant for bank managers and policymakers who leverage intellectual capital for economic diversification and sustainable development.

Sustainability experienced significant global momentum in recent decades. The emergence of the sustainability movement in the Financial Sector was prompted by the increasing global climate change resulting from environmental deterioration. Primarily associated with the Financial Sector, it has increasingly been recognised that Financial Institutions are significant contributors to global climate change, both via direct and indirect means. This has resulted in a heightened emphasis and demand from stakeholders for the implementation of Sustainability Principles on a worldwide scale. This study presents a methodology that utilises the various dimensions of Sustainable Finance through the concept of Triple Bottom Line to determine the factors influencing the Sustainability Performance of Financial Institutions. The suggested approach is grounded and supported by the current body of literature. The study presents a hypothesis to investigate the correlation between factors of Green Finance Practices and Sustainability Performance of Banking Sector. The suggested framework can be utilised by regulatory bodies and individual financial institution of a country to identify the elements that influence the Sustainability Performance of Banking Sector.

Moso bamboo is famous for fast growing and biomass accumulation, as well as high annual output for timber and bamboo shoots. These high outputs require high nutrient inputs to maintain and improve stand productivity. Soil nitrogen (N), phosphorus (P) and potassium (K) are important micronutrients for plant growth and productivity. Due to high variability of soils, analysing spatial patterns of soil N, P and K stocks is necessary for scientific nutrient management in Moso bamboo forests. In this study, soils were sampled from 138 locations across Yong’an City and ordinary kriging was applied for spatial interpolation of soil N, P and K stocks. Soil N stock showed a strong spatial dependence while soil N and P stocks presented a moderate spatial dependence, indicating soil N was mainly controlled by intrinsic factors while soil N and P stocks were controlled by both intrinsic and extrinsic factors. Different spatial patterns were observed for soil N, P and K stocks across the whole study area, indicating that fertilizations with different ratios of N:P:K should be applied for different sites to maintain and improve stand productivity. The total soil N, P and K stocks within 0-60 cm were 0.624, 0.020 and 0.583 Tg, respectively.

In the last decades synthetic jet actuators have gained much interest among the flow control techniques due to their short response time, high jet velocity and absence of traditional piping, that matches the requirements of reduced size and low weight. A synthetic jet is generated by the diaphragm oscillation (generally driven by a piezoelectric element) in a relatively small cavity, producing periodic cavity pressure variations associated with cavity volume changes. The pressured air exhausts through an orifice, converting diaphragm electrodynamic energy into jet kinetic energy. This review paper faces the development of various lumped-element models (LEMs) as practical tools to design and manufacture the actuators. LEMs can quickly predict device performances such as the frequency response in terms of diaphragm displacement, cavity pressure and jet velocity, as well as the efficiency of energy conversion of input Joule power into useful kinetic power of air jet. The actuator performance is analyzed also by varying typical geometric parameters such as cavity height and orifice diameter and length, through a suited dimensionless form of the governing equations. A comprehensive and detailed physical modeling aimed to evaluate the device efficiency is introduced, shedding light on the different stages involved in the process. Overall, the influence of the coupling degree of the two oscillators, the diaphragm and the Helmholtz’s one, on the device performance is discussed throughout the paper.

Capital structure decision plays an imperative role in firm’s performance. Recognizing the importance, there has been many studies inspected the rapport of capital structure with performance of firms and findings of those studies are inconclusive. In addition, there is relative deficiency of empirical studies examining the link of capital structure with performance of banks in Bangladesh. This paper attempted to fill this gap. Using panel data of 22 banks for the period of 2005-2014, this study empirically examined the impacts of capital structure on the performance of Bangladeshi banks assessed by return on equity, return on assets and earnings per share. Results from pooled ordinary least square analysis show that there are inverse impacts of capital structure on bank’s performance. Empirical findings of this study is of greater significance for the developing countries like Bangladesh because it will call upon concentration of the bank management and policy makers to pursue such policies to reduce reliance on debt and to accomplish optimal level capital structure. This research also contributes to empirical literatures by reconfirming (or otherwise) findings of previous studies.

Despite saltmarshes being considered as nature-based solutions (NbS) towards climate change mitigation, India’s saltmarsh ecosystems are least studied. This study quantifies the seasonal variation in carbon stocks mono-specific saltmarsh species (Porteresia coarctata) and its potential to play an important role in India’s climate change mitigation plans. Seasonal (pre-and post-monsoon) sampling of P. coarctata surface water, biomass and 30 cm sediment core was collected across four locations on the east coast of India to quantify sediment dry bulk density (DBD), organic matter (OM%), organic carbon (Corg%), Corg stocks of sediment and biomass, total carbon (C%) and nitrogen (N%) and stable isotopes of δ13C and δ15N. In general, the sediment DBD, OM and Corg of P. coarctata meadows was higher in post-monsoon and was influenced by salinity and pH changes. Isotope (δ¹³C) modelling of various sediment C sources suggested, particulate organic matter (POM) contribution was highest (0.04-0.79%) followed by P. coarctata (0.01–052%) and other macrophytes across our study locations. The seasonal variation of δ¹³C showed increased contribution of marine derived particulate and dissolved organic matter into P. coarctata meadows in post-monsoon season. Heavier δ¹⁵N values were observed in post-monsoon season suggesting anthropogenic input, that was utilized by P. coarctata to increase its above and below-ground biomass and shoot density. The combined ecosystem (30 cm sediment + biomass) Corg stocks of P. coarctata was 1.7-fold higher in post-monsoon (4021.20± 917 Mg C) compared to pre-monsoon (2297.36 ±647 Mg C) season among the four locations with a sediment Corg contribution >70%. Based on the International Panel for Climate Change Tier II assessment the P. coarctata meadows (443 ha) can help in avoiding the pre and post-monsoon emissions of 8431.34 and 14757.84 Mg CO₂ respectively. The combined price of the total CO₂ equivalent stored in P. coarctata meadows in pre- and post-monsoon is US$ 14.50 and US$ 25.38 million respectively. Further studies quantifying the NbS potential of P. coarctata mono-specific and mixed meadows of India’s coast is needed along with integration of saltmarsh ecosystems into India’s National Action Plan on Climate Change.

The changing of banking customer preferences after Covid-19 pandemic encourages banking transformation. Neobanks emerges as innovation in banking that enter the market to compete with the incumbent banks by offering new digital experience for customer. This paper analyzes the neobanks which transformed from traditional bank, specifically its efficiency after they implement digital transformation. Efficiency is measured by using Stochastic Frontier Analysis (SFA). This study also uses Pooled Mean Group (PMG) of Panel ARDL (Autoregressive Distributed Lagged) to investigate digital transformation as one of determinants neobank’s efficiency, as well as to examine the existence of short-term and long-term relationship between digital transformation and efficiency. The SFA results show that the efficiency of the neobanks increase after they carry out digital transformation. Furthermore, from PMG Panel ARDL, it can be concluded that digital transformation is one of determinant of efficiency and there is longevity relationship between digital transformation and efficiency. In the short run, digital transformation has a significant and negative correlation with efficiency and in the long run, it has a significant positive relationship because initially digital transformation cost for operational and risk management innovation decreases the profit efficiency, but afterwards it increases the profit efficiency.

This review paper highlights feasible and practicable approaches for managing end-of-life rolling stocks. It aims to promote and enable sustainable procurement policy for rolling stocks. Firstly, it demonstrates that modern rolling stocks can potentially gain the environmental benefits since almost all of their materials used in the rolling stock manufacturing can be recycled and reused. In this study, brief definition and concept of various train types are introduced and discussed, accompanied by some demonstrative illustrations. Then, component analyses, recovery rates and percent proportion of each material in various rolling stock assemblies have been evaluated. The estimation of material quantities that can potentially be recycled has been carried out using industry data sources. The suitable management procedures for end-of-life rail vehicles are then discussed, together with the life cycle of the key materials in which the recyclability criteria take into account the environmental risks and the best and safest approaches to deal with them. The aim of this study is to increase the awareness of the public, train manufacturers and rail industries on the benefits to the environments from rolling stock recycling, which could result in sustainable society and urban livings.

The Covid-19 health crisis and its related confinement measures and policies has had a significant impact on the telework adoptions rates, where many businesses were affected abruptly without being prepared, resulting in numerous ad-hoc applications especially while assessing employee’s performance and productivity while working remotely. The difficulties that have emerged with the pandemic have revealed the fragility of the traditional performance appraisal process and the unintentional existence of proximity bias. The Lebanese liquidity crisis is an ongoing financial crisis affecting Lebanon that became fully apparent toward late-2019 when large demonstrations erupted amid acute political instability and economic challenges. In light of the compounded simultaneous occurrence of recurring episodes of COVID-19 outbreaks and the ongoing country’s financial liquidity crisis, the standing of the Lebanese banking sector – who played key roles in the Lebanese economy and were long considered as financially sound and stable – has drastically changed. Faced with such a situation, Lebanese commercial banks started contracting both their branch network and human capital base, and thus they been forced to rethink their human capital strategies by implementing new practices allowing them to adapt to this context of crisis. It is in this perspective that the present research work is inscribed, where we explore the main managerial practices and processes implemented within top Lebanese banks to assess their employee’s performance during the compounded simultaneous crises. A thematic qualitative analysis method of an exploratory nature was adopted, and semi-structured interviews were conducted with senior managers from top Lebanese commercial banks. Results were processed using a deductive approach for themes identifications. Accordingly, it was concluded that in such times of acute crisis, Lebanese banks have altered the purpose of their Performance Appraisal Review (PAR) process and have implicitly or explicitly adopted a Forced Ranking method to primarily focus on retaining just the top performers, while placing those at the bottom on probation with the risk of termination.

This report is on online banking and information systems in online banking. It throws some light on the introduction and historical background of online banking. Next, in this term report online banking information is explained in detailed. We collected a few articles, related to internet banking, on which other researchers have worked. Then further we have brief them into a table where we have mentioned their problems and limitations. Next, we discussed them in detail, giving an overview of each article. Lastly, recommendations for the online banking sectors are also mentioned.

This research aimed to investigate the relationship between climate policy uncertainty (CPU), clean energy (ENERGY), carbon emission allowance prices (CARBON), and Bitcoin returns (BTC) for the period from August 2012 to August 2022. The empirical analysis strategies utilized in this study included the Fourier Bootstrap ARDL long-term coefficient estimator, Fourier Granger Causality, and Fourier Toda Yamamoto Causality methods. Following the confirmation of cointegration among the variables, we observed a positive relationship between BTC and CARBON, a positive relationship between BTC and CPU, and a negative relationship between BTC and ENERGY. In terms of causal associations, we identified one-way causality running from CARBON to BTC, BTC to CPU, and BTC to the ENERGY variable. The study underscores the potential benefits and revenue opportunities for investors seeking diversified investment strategies in light of climate change concerns. Furthermore, it suggests actionable strategies for policymakers, such as implementing carbon taxes and educational campaigns, to foster a transition towards clean energy sources within the cryptocurrency mining sector and thereby mitigate environmental impacts.

Forest ecosystems make a greater contribution to carbon (C) stocks than any other terrestrial ecosystem. To understand the role of regional forest ecosystems in global climate change and carbon exchange, forest C stock and its spatial distribution within the small (2,300 km2) Liuxihe River basin were analyzed to determine the different contributors to the C stock. Forest C stocks were quantified by measuring the biomass of trees, understory vegetation, litter and roots, as well as soil organic C, using data from field samples and laboratory experiments. The results showed that forests stored 38.04 Tg C in the entire basin, with secondary and planted forests accounting for 89.82% and 10.18%, respectively, of the stored C. Five types of forests, a subtropical evergreen broad-leaved forest, a subtropical coniferous and broad-leaved mixed forest, a subtropical coniferous forest, a timber forest, and a non-wood forest, stored 257.55 ± 15.01, 218.92 ± 9.59, 195.24 ± 18.29, 177.42 ± 17.55, and 117.86 ± 6.04 Mg C ha−1, respectively. In the forest ecosystem C stocks of the basin, soils averagely contribute about 73.78%, not including root underground biomass. It provides a comprehensive method for forest ecosystem carbon investigation and forest management in small basin scale.

This study investigates how customers’ technological readiness affects service quality and the adoption of self-service banking by developing an empirical model. The model was proposed to explore the relationships between technology readiness, self-service quality, and customer satisfaction. The hypotheses and stability of the model were tested using structural equation modeling. The findings revealed that technology readiness, including the optimism, innovation, and insecurity dimensions, had a significant positive impact on self-service quality. In addition, service quality fully mediated the relationship between technological readiness and customer satisfaction. These results suggest that when customers are ready to embrace and use new technology, their evaluation of service quality is high. Thus, bank managers should drive customer perceptions of the quality of self-service banking by improving their technological readiness through various measures. Furthermore, based on the mediating effect of self-service quality, banks must be aware that improving service quality can enhance customer satisfaction and maintain a competitive advantage.

Savannas and adjacent vegetation types like gallery forests are highly valuable ecosystems contributing to several ecosystem services including carbon budgeting. Financial mechanisms such as REDD+ have provided an opportunity for developing countries to alleviate poverty through conservation of its forestry resources. For availing this opportunity carbon stock assessments are essential. Therefore, a research study at two protected areas i.e. Nazinga Game Ranch and Bontioli Nature Reserve, in Burkina Faso was conducted with the objective of assessing carbon Mg C ha-1 in aboveground biomass (AGB)dry of trees in different formations of the south-sudanian savanna in Burkina Faso, West Africa. Similarly analysis of various vegetation parameters was also conducted to understand the overall vegetation structure of these two protected areas. For estimating AGBdry, existing allometric equation for dry tropical woody vegetation types was used. The Importance Value Index (IVI) and Family Importance Value (FIV) were estimated through standard procedures. Various linear and non-linear regression analyses were conducted to test the relationships between carbon and other parameters such as DBH, height and basal area (BA). The results showed that both sites collectively contain mean carbon of 3.41 ± 4.98 Mg C ha-1. Amongst different vegetation types, gallery forests recorded the highest mean carbon of 9.38 ± 6.90 Mg C ha-1. The highest IVI of 115.56 at Nazinga Game Ranch was recorded for Anogeissus leiocarpa. Similarly, highest IVI of 98.59 was recorded for Mitragyna inermis at Bontioli Nature Reserve. The highest FIV was recorded for Combretaceae for both of the sites. To our knowledge, this was the first study conducted to assess the carbon stocks at the two protected areas in southern Burkina Faso. The study therefore was an attempt for addressing the knowledge gap particularly on carbon stocks of protected savannas. It could serve as a baseline for carbon stocks for future initiatives such as payment for environmental services and REDD+ at these areas.

Islamic banks (IBs) have been criticized as not being genuinely Islamic, and the methods in measuring their performances have been debatable. While the literature on IBs performance has been emerging, such studies precisely assess its recent development remains absent. Therefore, we aim to evaluate the development of scholarly articles that measure IBs’ performances. We employ bibliometric analysis and sample related articles from the Scopus database. We find that the development of IBs performance literature may be understood by 111 peer-reviewed journal articles, 4 conference papers, 1 book, and 1 book series. We analyze these materials based on publication sources, country and institution affiliation, keywords association, and cluster dendrogram. Our model that quantifies the keywords association and cluster dendrogram provides a novelty in assessing IBs performance literature development. Future studies may replicate our model to cluster and identify the keyword associations from the unstructured data sources.

Blockchain technology (BCT) has the potential for sustainable development, enhancing business efficiency, reducing costs, and strengthening data security. Despite its potential, adoption among small and medium-sized enterprises (SMEs) is low due to the need for significant changes in technology infrastructure and the challenge of interoperability. A cross-sectional survey was done with 226 Hong Kong SMEs. The PLS-SEM results highlighted favorable transformation conditions as the most critical factor for SMEs considering the adoption of BCT. These conditions address both internal and external readiness for adopting the disruptive strategy. Other contributing factors to BCT adoption include trust in BCT developers, perceived usefulness and ease of use, government support, and perceived security. The research results contributed to the literature on disruptive technology acceptance, adoption, transformation conditions, technology readiness, and SMEs’ technology adoption. Government-supported policies and initiatives can promote BCT adoption, including educational programs, case studies, and resources for readiness. Financial support and regulatory frameworks can further encourage adoption. BCT developers can demonstrate the value of their systems, effectively communicate potential ROI and cost savings, and provide user-friendly interfaces to increase SMEs’ intention to adopt BCT.

This study examined the relationship between financial sector liberalization and agricultural sector output in Nigeria using annual data spanning the period 1986-2020. Specifically, the objectives of the study are to examine the relationship between lending rate, exchange rate, commercial bank credit to agriculture, inflation rate and agricultural sector output in Nigeria. Ex-post facto research design was employed and the annual time series data were collated from Central Bank of Nigeria (CBN) Statistical Bulletin. The econometrics methods of unit root, co-integration and error correction mechanism were used for the analyses. The outcome of the ADF unit root test show that the variables were stationary. Also the co-integration result showed that there exist co-integration amongst the variables in the model. The results from Error Correction Model indicates that lending rate and inflation rate have a negative relationship on agricultural sector output while exchange rate and commercial bank credit to agriculture have positive relationship on agricultural sector output. Based on these results, this study recommends that government and policy makers in Nigerian should initial policies that will boost investments in the agricultural sector through direct provision of credits to agriculturist and banks should also lend at a very low and subsidized interest rate to enable farmers’ access agricultural loans that will boost agricultural productivity in the economy.

This work addresses the intricate task of predicting the prices of diverse financial assets, including stocks, indices, and cryptocurrencies, each exhibiting distinct characteristics and behaviors under varied market conditions. To tackle the challenge effectively, a novel hybridized architecture, AE-GRU, integrating the encoder-decoder principle with GRU is designed. The experimentation involves multiple activation functions and hyperparameter tuning. With extensive experimentation and enhancements applied to AE-LSTM, the proposed AE-GRU architecture still demonstrates significant superiority in forecasting the annual prices of volatile financial assets from multiple sectors mentioned above. Thus, the novel AE-GRU architecture emerges as a superior choice for price prediction across diverse sectors and fluctuating market scenarios by extracting important non-linear features of financial data and retaining the long-term context from past observations.

Although buildings constitute 35% of global energy use and 38% of carbon emissions from energy, the amount of energy and energy-related carbon emissions are increasing rapidly. On the other hand, non-renewable usable energy resources are decreasing on the contrary. New buildings are being built due to the increasing population and the existing building stock not meeting the needs or losing its lifespan. Some of the existing building stock is demolished and renewed for structural reasons and some for reasons such as usage performance. It is possible to reduce both energy consumption and greenhouse gas emissions with strategic energy uses in existing building stocks. There are various techniques to measure the maximum performance of sustainable and energy-efficient use of existing building stocks with which changes. Building Information Modeling (BIM) technology is one of these techniques that provides wide opportunities to users in recent years, and it is almost a virtual laboratory of structures. Building stocks can be modeled with BIM, and alternative shell and system suggestions can be used to measure how building performance has changed and to achieve the best results. In this research study, improvement scenarios that optimize energy use in existing building stocks are investigated on a sample residential building by using the virtual laboratory facilities of BIM. After measuring the current energy performance of the existing building with BIM tools, 192 alternative results were obtained with 6 variables (external walls, roof, insulation layers, transparent surface materials, lighting, and photovoltaic panels). The obtained alternatives were compared with the current state of the existing building. The material expenditures and amortization periods required for these alternative scenarios are also calculated. The results obtained were evaluated according to annual / lifetime energy consumption, fuel, electricity, initial investment costs, energy use intensity, and carbon emission amounts. With the optimization of the current situation of the sample building, annual fuel consumption decreased by 61% and electricity consumption by 64%. The amortization period of the optimum improvement was determined as 12 years.

Recent years have seen dramatic growth in the number of scholarly scientific works dedicated to the topic of Artificial Intelligence (AI), banking, and finance. With the development of scientometric tools, it is now possible to map, visualize, analyze, and assess scientific activities in many fields of engineering and social sciences including Islamic banking and finance. Based on data retrieved from the Scopus database and using a qualitative method, this study investigates, evaluates, and identifies significant development, trends, and players in the application of AI in Islamic banking and finance using the Visualization Of Similarities Method (VOS) between objects in VOSviewer. From 2006 to 2022, 387 documents were retrieved from the Scopus database; Results revealed that the top five most active countries in terms of publications are Malaysia (117 documents), Indonesia (89 documents), the United Kingdom (36 documents), the USA (24 documents), and Saudi Arabia and Bahrain (24 documents each). The International Islamic University Malaysia and Universitas Indonesia came out on top of active institutions while the top funding source came from the Ministry of Higher Education, Malaysia. The comprehensive findings and analysis reported in this study serve as a roadmap for future academics to create theory and practice for applying AI in Islamic banking and finance.

Miombo woodlands are extensive dry forest ecosystems in central and southern Africa covering ≈2.7 million km2. Despite their vast expanse and global importance for carbon storage, the long-term carbon stocks and dynamics have been poorly researched. The objective of this paper is to present and summarize the evidence gathered on above- and belowground (root and soil) carbon stocks of miombo woodlands from the 1960s to mid-2018 through a review. We analyzed data to answer: (1) What is the range of aboveground and belowground carbon stocks found in miombo woodlands over the last six decades? (2) Are there differences in carbon stocks based on land-management categories? (3) Does precipitation influence aboveground carbon stocks in old-growth miombo? (4) Do differences in cover type, age and region influence carbon stocks? (5) How does previous land-use affect carbon stocks in re-growth miombo? A literature review protocol was used to identify 56 publications from which quantitative data on aboveground and soil carbon pools were extracted. We found that the mean aboveground carbon stock in old-growth miombo was 30.83±16.76 Mg C ha-1 (range 1.48—107.24 Mg ha-1). Old-growth miombo had an average calculated root carbon stock of 16.49±9.18 Mg C ha-1 (range 0.8—57.81 Mg ha-1). Soil carbon stocks in old-growth miombo varied widely, between 8.75 and 134.6 Mg C ha-1 while in re-growth miombo they varied between 10.73 and 52.2 Mg C ha-1. It must be noted these soil data are given only for information; they inconsistently refer to varying soil depths and are thus difficult to interpret. The wide range reported suggests a need for further studies, much more systematic in methods and reporting. Other limitations of the dataset include the lack of systematic sampling and lack of data in some countries, viz. Angola and Democratic Republic of the Congo.

Responding to changing value creation processes in the sheet metal working sec-tor, where the complexity and interchangeability of products challenge traditional dif-ferentiation strategies, this empirical analysis explores integrating service-oriented and data-driven business models as new paths to ensure competitiveness, especially for small and medium-sized enterprises (SMEs). This study aims to capture the current state and challenges associated with the implementation of these business models in this sector. The research was conducted through semi-structured interviews with SMEs in the industry. The findings indicate that service-oriented and data-driven business models are not yet widely adopted and that manufacturing companies re-quire support in their implementation. Fields of action were identified for the industry. These are "Creating awareness and understanding", "Recognizing added value", "In-creasing company maturity" and "Understanding the change process". Cooperation between science and industry is essential in tackling these fields of action to ensure the successful integration of such business models in manufacturing companies. This pa-per identifies challenges in the fields of action that companies must address through a structured approach promoting awareness, recognizing value, improving organiza-tional maturity, and understanding the change process to successfully implement ser-vice-oriented and data-driven business models.

Forest plantations have a large potential for carbon sequestration, playing an important role in the global carbon cycle. However, despite the huge amount of research carried out worldwide, the absolute contribution of industrial forest plantations is still incomplete for some parts of the world. To contribute to bridge this gap, we calculated the amount of C stock in three fast growing forest species in Chile. Relevant C pools (above-ground and below-ground biomass, forest floor, and soil) were considered for this analysis. Across the industrial plantation forests of Chile, carbon accumulated in the above-ground biomass was 181–212 Mg · ha−1 for Pinus radiata, 147–180 Mg · ha−1 for Eucalyptus nitens, and 95–117 Mg · ha−1 for Eucalyptus globulus (age 20–24 years for P.radiata and 10–14 years for Eucalyptus). Our results agree with other studies showing that 30%–50% of the total C stock is stored in the soil. Total C stocks were for 343 Mg · ha−1 for P.radiata, 352 Mg · ha−1 for E.nitens, and 254 Mg · ha−1 for E. gloubulus, also at the end of a typical rotation. The carbon pool in the forest floor was found to be significantly lower (less than 4% of the total) when compared to the other pools and showed large spatial variability. We conclude that industrial forest plantations are a valuable tool to reduce atmospheric CO2 and mitigate climate change. Given the contribution of soils to total carbon stocks, special attention should be paid to forest management activities that affect the soil organic carbon pool.

Acute Oak Decline (AOD) is complex syndrome affecting Britain’s keystone native oak species, (Quercus robur L. and Q. petraea L. (Matt.) Liebl.), in some cases causing mortality within five years of symptom development. The most distinguishable symptom is weeping stem lesions, from which four species of bacteria have been isolated: Brenneria goodwinii, Gibbsiella quercinecans, Lonsdalea britannica and Rahnella victoriana. We do not yet know where else these bacteria exist, and little is known about the relationship of the wider oak leaf microbiome (phyllosphere) to acute oak decline. Here we investigate whether incidental evidence from a large oak genome re-sequencing dataset could be used to detect these bacteria in oak foliage, and whether bacterial incidence co-varied with AOD status or location. Oak leaves and buds were sampled from 421 trees at five sites in England. Whole genomic DNA from these samples was shot-gun sequenced with short reads. Non-oak reads were extracted from these data and queried to microbial databases. Reads uniquely matching AOD-associated bacterial genomes were found to be present on trees from all five sites and included trees with active lesions, trees with historic lesions and trees without AOD symptoms. The abundance of the AOD-associated bacteria did not differ between tree health categories but did differ among sites. We conclude that the AOD-associated bacteria may be members of the normal oak microbiome, whose presence on a tree is not sufficient to cause AOD symptoms.

The purpose of this study is to bring out a scientometric analysis of the advances of digital transformation in the global banking sector. For this, a background search of the term "Digital Transformation Banking " has been brought out from the Web of Science (Wos) Database, covering records published between 2002 and 2023. A set of 312 publications was identified, which mainly includes a set of 264 academic articles, 29 articles published without cataloging a specific volume of a journal, 9 articles under review, 5 editorial material documents, 4 conference articles, and 1 document is a book chapter. Nowadays the scientific production is low but showing growing development presenting 123 publications and 7,754 citations for the year 2022. Among the scientific production, 43 publications from the Republic of China (8.8%) and 35 publications from Ukraine (7.8%) stand out. ,2%). It is also worth mentioning that the most relevant authors on this topic are Ricardo Palomo, professor and dean of San Pablo University, and Robert J Kauffman, professor at Singapore Management University in terms of influence. Main institutions in terms of scientific production, mainly: the Massachusetts Institute of Technology (MIT) of the United States and the Russian Academy of Sciences of Russia.

The study is carried out on the factors influencing customers’ brand loyalty. The study is aimed at evaluating customers’ brand loyalty status and identifying its determinants. To this end, an explanatory research design is used with the support of descriptive and multiple regression analytical techniques. From the customers of the bank 290 of them are selected using a purposive sampling technique. Questionnaires are administered to collect the primary data. The finding of the study indicates that the loyalty status of the customers is fragmented into hard-core loyalty, split loyalty, shift loyalty, and switching loyalty status with the inclination on the first and second categories of loyalty status. It also reflects that distribution, promotion, reputation, satisfaction and tangible benefits are the predictors of customers’ brand loyalty. A message of sticking on these determinants of loyalty is transmitted to the bank manager with the emphasis on the most predictors, i.e., distribution and promotion.

This is a paper on Political Economic and Economic Policies into the European Green Deal framework and the Spanish recovery plan, with special attention to the tourism sector. First, there is a literature review, combining the scientific production with professional and institutional literature, to understand the topic development, from the former restrictive point to the current view at large. Second, it is offered a case study about the green jobs opportunity, according to wellbeing economics, for the Spanish tourism sector renewal. The paper provides valuable information to improve sectorial recovery plan, to coordinate the policymakers and the business managers and entrepreneurs.

According to its inner property, a crisis in the financial market can be considered as a collective behavior phenomenon. Through the prism of collective behavior, the crisis does not happen if the companies are independent of each other. In this work, cooperative movement processes in a stock market are investigated in a manner similar to that Vicsek first described collective behavior for self-propelled entities. To this end, a phase space is defined as the one in which the return of volume of transactions versus return of price is represented with each share in each day corresponding to a unique point in the space. The findings of the observation show that during times of crisis, the phase space is limited with the vector velocity of shares in the same direction. In contrast, on a regular day, the phase space is entirely accessible, with vector velocity aligned randomly. Moreover, in line with the Vicsek model, an order parameter is introduced, which evaluates the cooperative effects for the shares so that the higher the value of this parameter, the stronger the collective behavior of the shares.

With the advances in industry and commerce, passengers have become more accepting of environmental sustainability issues; thus, more people now choose to travel by bus. Government administration constitutes an important part of bus transportation services as the government gives the right-of-way to transportation companies allowing them to provide services. When these services are of poor quality, passengers may lodge complaints. The increase in consumer awareness and developments in wireless communication technologies have made it possible for passengers to easily and immediately submit complaints about transportation companies to government institutions, which has brought drastic changes to the supply-demand chain comprised of the public sector, transportation companies, and passengers. This study proposed the use of big data analysis technology including systematized case assignment and data visualization to improve management processes in the public sector and optimize customer complaint services. Taichung City, Taiwan was selected as the research area. There, the customer complaint management process in public sector was improved, effectively solving such issues as station-skipping, allowing the public sector to fully grasp the service level of transportation companies, improving the sustainability of bus operations, and supporting the sustainable development of the public sector-transportation company-passenger supply chain.

In recent years, the digital economy has played an increasingly important role in enhancing productivity, fostering growth, and facilitating the emergence of digital banking. With the widespread adoption of digital financial services for financial inclusion, the banking sector is experiencing a demand for digital transformation. It is important to note that despite the many advantages of this change, it also disrupts the familiar banking experience that customers have grown to expect, as well as introducing potential risks to maintaining customer protection at previous levels. Many critics have raised concerns regarding customer protection and potential exposure to various risks that may arise from digital financial services, which may result in both financial and non-financial losses. These risks can impact customer retention as dissatisfied customers may switch to alternative service providers. Additionally, reputation can be affected since merely offering digital financial services may not sufficiently safeguard customers. To remain competitive, financial institutions must deliver a secure experience that aligns with customer expectations while considering economic factors and societal needs. This is why it is essential to comprehend the severity of the risk factors that influence the protection of customers in the realm of digitalized banking services and products. In this study, five factors have been identified that influence customer protection when using digital financial services in Pakistan. Based on the analysis conducted using SmartPLS, it appears that all the factors proposed in this study have a significant and positive impact on the protection of customers. In particular, the information provided remains of paramount importance when it comes to determining the level of protection that a customer is entitled to within digital financial services, followed by responsiveness, privacy, authentication, and encryption mechanisms. Due to these findings, the implementation of enhanced information security management principles becomes imperative for the development and progress of the Pakistani digital banking industry.

Fire is a common disturbance in the Brazilian savanna (Cerrado), wherein high-frequency fires drive the vegetation structure, composition, function, and dynamics of savanna ecosystems. Under climate change pressure, further understanding of fire-vegetation relationships and interactions can provide new approaches for establishing strategies for integrated fire management and promote savanna vegetation recovery post-fire. To understand how 15 years of yearly manipulated burning affects the vertical and horizontal structure of the vegetation, the species composition and diversity metrics (species richness, Shannon's diversity, and Pielou's evenness), and the aboveground carbon stocks, we surveyed all woody plant species with a diameter greater than three centimeters in 15 plots of a typical Brazilian savanna (cerrado stricto sensu) at an experimental research station in central Brazil (Cerrado biome). Fifteen plots (five per treatment) were differently affected by fire events over a decade, comprising three treatments: (i) annual fire, (ii) legacy fire (> 11 years since the last fire event), and control (not burned in the past 30 years). Non-metric multidimensional scaling (NMDS) analysis indicated a significant effect of fire on the species composition among treatments and that some species benefited from fire, such as Erythroxylum suberosum, whereas others propagated better without fire, such as Camisala montana and Dalbergia miscolobium. Over a decade of annual fire events led to decreases in Shannon's diversity, species richness, and stem density, which were significantly lower in the annual fire treatment than in the control and legacy fire treatments. Stem density by diameter and height size class (except for the 1-2 m class and above 8 m) was higher in the control than in the annual fire treatment, but the number of dead trees did not differ between the control and annual fire treatments. Our results also showed that fire was a factor in changes in the evaluated parameters, such as annual fire treatment, which reduced the amount of biomass and, therefore, the carbon stock. This study suggests that, if burned yearly, typical Brazilian savannas can become less biodiverse in terms of woody plant species and negatively affect their fire resilience. Therefore, fire management practices should focus on determining the frequency with which these ecosystems may benefit the most from fire disturbances.

Stocks portfolio is a form of investment that can be used to minimize the risk of loss. In a stock portfolio, the value at risk (VaR) can be predicted through the portfolio return. If portfolio return variance is heteroscedastic risk prediction can be done by using VaR with ARIMA-GARCH or Ensemble ARIMA-GARCH model approach. Furthermore, the accuracy of VaR is tested through backtesting test. In this study, the portfolio formed from Astra Agro Lestari Ltd (AALI) and Indofood Ltd (INDF) stocks from 10/02/2012 to 10/01/2019. The results showed that the best model is ARIMA(0,0,[3])-GARCH(1,2) with AIC of -5.604 and MSE 1.874e-07.At confidence level of 95% and 1 day holding period, the VaR of the ARIMA(0,0,[3])-GARCH(1,2) was -0.3464. Based on the backtesting test, it is proven to be very accurate to predict the value of loss risk because the value of the violation ratio (VR) is equal to 0.

Green investors have expressed concerns about the environment and sustainability due to the high energy consumption involved in cryptocurrency mining and transactions. This article investigates the safe haven characteristics of clean energy stock indexes in relation to 3 cryptocurrencies, taking into account their respective levels of "dirty" energy consumption from May 16, 2018, to May 15, 2023. By virtue of analyzing a tumultuous era in the global economy, the level of integration between clean energy stock indexes and cryptocurrencies will be inferred by using Gregory and Hansen's methodology. Furthermore, to assess the presence of a volatility spillover effect between clean energy stock indexes and “dirty-classified” cryptocurrencies, the ?-test of heteroscedasticity of two samples from Forbes and Rigobon will be employed. The empirical findings show that clean energy stock indexes may offer a viable safe haven for dirty energy cryptocurrencies. However, the precise associations differ depending on the cryptocurrency under examination. The implications of the study's results are significant for investment strategies, this knowledge can inform decision-making procedures and facilitate the adoption of sustainable investment practices. Investors and policymakers can gain a deeper understanding of the interplay between investments in renewable energy and the cryptocurrency market.

Background/Objectives: Accurate prediction of stock prices is an extremely challenging task because of factors such as political conditions, global economy, unexpected events, market anomalies, and relevant companies’ features. In this work, the random forest has been used to forecast the prices of the four major Greek systemic banks Methods/Analysis: We make use of a set of financial variables based on intraday data: (i) Open stock price, (ii) High stock price, (iii) Low stock price, and (iv) Close stock price of a particular Greek systemic bank. Results/Findings: The variables used here are crucial in predicting systemic banks' stock closing prices. These provide a better prediction of the next day's closing price of the bank series. Novelty /Improvement: To our knowledge, this is the first study that employs machine learning techniques in Greek systemic banks.

Banking sectors commit modern working frameworks and models smooth development based on decentralization with keeping money confront in unused ranges and differing activities. Consortium Blockchain Privacy becomes a major concern and the challenge of Most of banking sectors.Development without being hampered being a major concern it can store confirmed, Data privacy includes assuring protection for both insider ad outsider threats therefore access control of Ring signature could help to secure Privacy of inside and outside threats by secure process by RSBAC using CIA triad privacy Confidentiality, Availability, Integrity.This paper proposes a ring signature-based on access control mechanism for determining who a user is and then regulating that person's access to and use of a system's resources. In a nutshell, access control restricts who has access to a system. It also restricts access to system resources to users who have been identified as having the necessary privileges and permissions. The proposed paradigm satisfies the needs of both workflow and non-workflow systems in an enterprise setting. The traits of the conditional purposes, roles, responsibilities, and policies provide the foundation for it. It ensures that internal risks such as database administrators are protected.Finally, it provides the necessary protection in the event that the data is published.

The financial inclusion, including all the people with the finance, is very concerned issue all over the world where Bangladesh is also trying to include all the people with the finance. Bangladesh lies in such a group of countries where only 17.6% - 38.6% adults are presently under the reach of the formal financial services. This is because the present banks and other formal financial modes consider the outcome and profitability in a way that, the rural and non-developed areas are always out of the consideration. But these areas consist of the most population of Bangladesh. And only then financial inclusiveness will be successful in Bangladesh when people from these regions will be under formal financial consideration. The paper seeks for a solution to the issue and presents the Unit Banking System as a probable way towards financial inclusion. For implementing the system in Bangladesh, the system needs a slight modification to cope in Bangladeshi economic condition and address the specific needs without hampering the surroundings. Considering all these, the paper shows the status, problems and key points of financial scenario of inclusion in Bangladesh and shows policy for a Modified Unit banking System.

This paper presents new above-ground biomass (AGB) and biomass components equations for seventeen forest species in the temperate forests of northwestern Mexico. A data set corresponding to 1336 destructively sampled oak and pine trees was used to fit the models. Generalized method of moments was used to simultaneously fit systems of equations for biomass components and AGB, to ensure additivity. Additionally, the carbon content of each tree component was calculated by the dry combustion method, in a TOC analyser. The fitted equations accounted for on average 91, 83, 84 and 78% of the observed variance in stem wood and stem bark, branch and foliage biomass, respectively, whereas the total AGB equations explained on average 93% of the total observed variance in AGB. The inclusion of h or d²h as additional predictor in the d-only based equations systems slightly improved estimates of stem wood, stem bark and total above-ground biomass, and greatly improved the estimates produced by the branch and foliage biomass equations. The fitted equations were used to estimate AGB stocks at stand level from a database on growing stock from 429 permanent sampling plots. Three machine-learning techniques were used to model the estimated stand level AGB and carbon contents; the selected models were applied to map the AGB and carbon distributions in the study area, which yielded mean values of 129.84 Mg ha^-1 and 63.80 Mg ha^-1, respectively.

The Work Ability Index (WAI) is the most widely used questionnaire for the self-assessment of working ability. Because of its different applications, shorter versions, and widespread use in healthcare activities, it is worthwhile assessing its characteristics. The WAI was distributed online among the workers of a healthcare company; the results were compared with data contained in the workers' personal health records and with absence registers. 340 out of 575 workers (59.1%) participated; 6.5% of them reported poor work ability. Exploratory factor analysis indicated that the one-factor version best described the characteristics of the WAI. The scores of the complete WAI, the shorter form without the list of diseases, and the minimal one-item version (WAS) had equal distribution and were significantly correlated. The WAI score was inversely related to age and significantly lower in women than in men, but it was higher in night workers than in colleagues due to the probable effect of selective factors. The WAI score was also correlated with absenteeism, but no differences were found between males and females in the average number of absences, suggesting that cultural or emotional factors influence the self-rating of the WAI. Workers tended to overreport illnesses in the online survey compared to data collected during occupational health checks. Musculoskeletal disorders were the most frequently reported illnesses (53%). Psychiatric illnesses affected 21% of workers and had the greatest impact on work ability. Multilevel ergonomic and human factor intervention seems to be needed to recover the working capacity of healthcare workers.

Histone deacetylases inhibitors (HDACi) have shown promising therapeutic outcomes in haematological malignancies such as leu-kaemia, multiple myeloma and lymphoma, with dis-appointing results in solid tumours when used as monotherapy. As a result, combination therapies either with radiation or other deoxyribonucleic acid (DNA) damaging agents have been suggested as ideal strategy to improve their efficacy in solid tumours. Numerous in vitro and in vivo studies have demonstrated that HDACi can sensitise malignant cells to both electromagnetic and particle types of radiation by inhibiting DNA damage repair. Although the radiosensitising ability of HDACi has been reported as early as 1990s, the mechanisms of radiosensitisation are yet to be fully understood. This review brings forth the various protocols used to sequence the administration of radiation and HDACi treatments in the different studies. The possible contribution of these various protocols on the ambiguity that surrounds the mechanisms of radiosensitisation is also highlighted.

The outbreak of Corona Virus effected negatively on the world’s economy which has already touched the maximum sectors. Readymade garments sector has the large contribution in Bangladesh’s economy. For increasing the locked down period, it is hitting badly by stopping production and cancellation of orders with some issues. This paper will represent the brief scenario and impacts of garments sector in recent days and the economy status of Bangladesh for the pandemic. The study is based on secondary data, collected from different authentic journals and web portals etc. Bangladesh’s garments earnings mostly depended on export but on these days, the buyers are cancelling their orders and the factories are being failed to give payments to the worker, some are being shut down also. As the duration of locked down is increasing, there is a huge chance to get unemployed and Bangladesh can be faced an undisciplined condition in near future. BGMEA and BKMEA are taking necessary steps to support the worker. Ensuring health security, the authorities are trying to reopen the factories limitedly to meet up the immediate needs. The government has taken the situation on most priority and introduce some improvement packages to run the economy smoothly and reduce the losses of the country for the pandemic.

This study utilizes the Random Forest technique to investigate risk management practices and concerns in Islamic banks using survey data from 2016 to 2021. Findings reveal that larger banks provide more consistent survey responses, driven by their confidence and larger survey budgets. Moreover, a positive link is established between a country's development, characterized by high GDPs and low inflation and interest rates, and the precision of Islamic banks' survey responses. Analyzing risk-related concerns, the study notes a significant reduction in credit portfolio risk, attributed to improved risk management practices, global economic growth, stricter regulations, and diversified asset portfolios. Concerns related to terrorism financing and cybersecurity risks have also decreased due to better enforcement of anti-money laundering regulations and investments in cybersecurity infrastructure and education. This research enhances our understanding of risk management in Islamic banks, highlighting the impact of bank size and country development. Additionally, it emphasizes the need for ongoing analysis beyond 2021 to account for potential COVID-19 effects and evolving risk management and regulatory practices in Islamic banking.

Arable Сhernozems with high SOC contents have the potential to be significant sources of GHGs, and climate change is likely to increase SOC losses, making the issue of carbon sequestration in this region even more important. The prospect of maintaining SOC stock or increasing it by 4% an-nually under planned management practice modifications for the period up to 2090 was evaluated using a long-term experiment on Haplic Chernozem in the Rostov Region, Russia. In this study, we used the RothC model to evaluate SOC dynamics for three treatments with mineral and organic fertilization under two adaptation scenarios vs. business as usual, as well as under two climate change scenarios. Correction of crop rotation and the application of organic fertilizers at high rates are essential tools for maintaining and increasing SOC stocks. This can maintain SOC stock at the level of 84–87 Mg∙ha-1 until the middle of the 21st century, as the first half of the century is con-sidered the most promising period for the introduction of adaptation measures for the additional accumulation of SOC on Chernozems. Part of the additional accumulated SOC is expected to be lost before 2090.

The COVID-19 pandemic crisis has brought about unprecedented economic and social consequences worldwide. The implementation of isolation measures, including national and international travel restrictions, significantly affected contact-intensive sectors such as tourism. During this lockdown period, Information and Communication Technology (ICT) was crucial in maintaining connectivity and enabling remote activities. Governments across the world implemented discretionary measures to mitigate the crisis's adverse effects on economic activity. This paper aims to analyze whether the level of ICT adoption and the importance of tourism influence the fiscal policy efforts pursued by governments. Based on the results of a linear regression analysis for 154 countries, the findings suggest that in countries with higher international tourism receipts, the governments had to promote higher fiscal stimulus. At the same time, ICT development diminished the efforts of the fiscal policy response to the crisis since it facilitated economic resilience. The findings of this study can contribute to understanding how governments responded to the pandemic crisis and the factors that influenced their fiscal policy decisions.

The emergence of the H3N2 influenza virus in 1968 marked a significant event as it crossed the species barrier. Since then, ongoing mutational dynamics have led to the formation of antigenic clusters, prompting the World Health Organization to advocate for regular updates to H3N2 vaccines. Research in the Western Pacific region underscores the necessity for heightened awareness and effective control strategies. Stemming from avian influenza A, the 1968 H3N2 influenza pandemic resulted in the deaths of one million people globally, with its seasonal variants primarily affecting older individuals and causing severe illness due to antigenic drift. To address the challenge of vaccine efficacy against H3N2 mutations, researchers are exploring innovative strategies such as precise antigenic material administration, controlled release patterns, understanding immune system mechanisms, and glycan engineering. This review comprehensively examines various aspects of the Influenza A (H3N2) virus, encompassing its virological characteristics, evolutionary trends, global epidemiology, vaccination strategies, antiviral interventions, and emerging diagnostic approaches. It underscores the impact of antigenic variation on vaccine design and effectiveness, seasonal outbreak patterns, pandemic potential, and the interplay between viral factors and host immune responses. Moreover, the review evaluates antiviral therapies and the issue of drug resistance, emphasising the necessity for multidisciplinary approaches involving researchers, healthcare professionals, and policymakers to comprehend H3N2 and enhance public health interventions.

Nowadays, many Muslim-majority countries have implemented a dual banking system, namely the sharia and conventional systems. The development of Islamic banks is to fulfill the Muslims' need for the existence of halal transactions in financial institutions. However, in some countries, it turns out that conventional banks still dominate the country's economy. Because of that, it is necessary to see whether there are differences in financial risk and Earnings management between Islamic and conventional banks. The samples are conventional and Islamic banks in Southeast Asia, analyzed by the purposive sampling method from 2010-2019. The analytical tool used is the statistical difference test and economometrics analysis using generalized least square (GLS) regression with panel data (time series and cross-sectional data). These models are intended to forecasting the macroeconomics effects in applying dual banking system in one country or region. The results using non parametrics means difference test showed that the first hypothesis is accepted It means that Earnings management in conventional banks is greater than in Islamic banks. The Random Model Effect (REM) for second and third hypotheses testing on Conventional banks shows the Bankruptcy Risk and NPL do not affect the dependent variable Earnings Management (LLP). While fixed effect model testing on Islamic banks, the second and third hypothesis testing is rejected. Therefor Islamic Banks the value of Bankruptcy Risk (z-score) and the value of Non-Performing Loans (NPL) do not affect Earnings management. It also means that hypothesis 2 and 3 are rejected both in conventional as well as Islamic Banking. Sensitivity analysis for conventional as well as Islamic banking altogether using fixed effect model shows that the second and third hypotheses show that the independent variables (Bankruptcy Risk and NPL) do not affect the dependent variable Earnings Management (LLP). These results can be concluded that Islamic bank are enganged in less earnings management. Therefor in the the long run there are still more research that should conduct in comparing dual banking system in one region.

This analyses the impact of competition on liquidity creation in the banking industry of the United States. For the purposes of this paper panel data of US banks for the period of 1976-2000 is chosen as a sample. The plausible endogeneity issue is addressed by employing instrumental variables and then implementing two stages least squares method. Besides this, crisis period of 1990-1992 is also analyzed to compare effect with in “normal times”. The results show that decrease in the level of competition negatively affects the liquidity creation ability of banks in the US and this impact is even more negative during the crisis period.

This research study aims to explore how during COVID-19, the adoption of online banking is impacted by various factors such as perceived usefulness, perceived ease of use, perceived security, and trust. The data were collected using the primary questionnaire with 98 respondents. The study investigates the direct effect using the PLS-SEM method, and the indirect effects are analyzed using mediation analysis. The study indicates that perceived security is an important factor that impacts the adoption of online banking by self-help groups in India. Trust in online banking without allaying the fears of banking online does not lead to the adoption of technology. Perceived ease of use and ease of usage directly impact the adoption of online banking by the members of self-help groups in India. The study is the first-ever study to measure the indirect impact of trust on the intention to use online banking by the members of self-help groups in India This study has far-reaching implications for policymakers and banks. To increase the adoption of online banking, it is important to allay the fears of security among the members of self-help groups in India.

The global financial crisis of 2008, triggered by the collapse of Lehman Brothers, highlighted a banking system that was widely exposed to systemic risk. The minimization of the systemic risk via a close and detailed monitoring of the entire banking network became a priority. This is a complex and demanding task considering the size of the banking systems: in the US and the EU they include more than 10000 institutions. In this paper, we introduce a methodology which identifies a subset of banks that can: a) efficiently represent the behavior of the whole banking system and b) provide, in the case of a failure, a plausible range of the crisis dispersion. The proposed methodology can be used by the regulators as an auxiliary monitoring tool, to identify groups of banks that are potentially in distress and try to swiftly remedy their problems and minimize the propagation of the crisis by restricting contagion. This methodology is based on Graph Theory and more specifically Complex Networks. We termed this setting a “multivariate Threshold – Minimum Dominating Set” (mT–MDS) and it is an extension of the Threshold – Minimum Dominating Set methodology (Gogas e.a., 2016). The method was tested on a dataset of 570 U.S. banks: 429 solvent and 141 failed ones. The variables used to create the networks are: the total interest expense, the total interest income, the tier 1 (core) risk-based capital and the total assets. The empirical results reveal that the proposed methodology can be successfully employed as an auxiliary tool for the efficient supervision of a large banking network.

As the demand for a more sustainable society increases, adopting a sustainable banking approach serves as a competitive advantage for banks that are focused on attaining bank loyalty. This study revolves around understanding the role of sustainable banking practices on bank loyalty, while exploring the mediating effect of corporate image in the relationship between sustainable banking practices and bank loyalty. 511 data derived from customers of the banking sector was adopted for this study. Result from the structural equation modeling shows that sustainable banking practices positively and directly affects bank loyalty and corporate image, corporate image directly and positively affect bank loyalty, and also mediates in the relationship between sustainable banking practices and bank loyalty.

Scientists, politicians, and practitioners are debating the current structure of pig farms in Lithuania, as medium and small farms have almost disappeared over the past decade. The debated problem is whether the revitalization of medium and small pig farms would sustainably contribute to self-sufficiency in pork? Therefore, this research aims to determine which farms in terms of size could be the most perspective. In order to achieve this aim the multi-criteria evaluation method TOPSIS was used. The economic, production and environmental indicators of Lithuanian pig farms and pig farming sector in Lithuania and selected EU countries: Latvia, Estonia, Poland, Germany, and Denmark were analyzed in this research. The multi-criteria evaluation led to the conclusion that Danish pig farms were the best managed. Germany occupied the second place. The industrial large farms were found as dominated in those countries. Large pig farms (approximately two thousand sows) appeared most perspective in Lithuania: they took the first place in the years examined (2016–2021). The criterion estimate of their assessed indicators was much higher than of the medium (100 sows) and small (20 sows) farms. The main reasons: significantly higher labour productivity, lower cost, lower price, and better production indicators.

A quick scan of the available literature on the subject of halal tourism reveals that many scholars and laypersons alike misconceive this concept. Whereas some suggest that halal tourism occurs whenever a Muslim individual travels somewhere, others retort that only pilgrimages by Muslim travelers regarded as halal tourism. More careful research of the literature shows that the truth is somewhere in between, as none of the above definitions is correct. Overall, it is this lack of clarity that has prompted an additional inquiry into the essence of halal tourism. This essay is a modest academic endeavor to ascertain what halal tourism is and what ideologies lie at its foundation. To answer these questions, the author employs the literature review research methodology, scrutinizing number sources. Ultimately, this essay has established that halal tourism not confined to religious pilgrimages alone. Indeed, halal tourism occurs whenever a Muslim individual travels for religion, business or leisure and uses only those services and facilities that conform to the teachings of Islam.

Inland capture fisheries play a critical role in supporting food security and livelihoods in West Africa. Therefore, it is important to evaluate genetic health of exploited fish populations. The African bonytongue, Heterotis niloticus, supports important commercial and subsistence fisheries in West Africa. Sharp declines of stocks have been reported, however. Herein, we estimate contemporary effective population sizes (Ne) of four Heterotis populations in Nigeria, three in Benin, and five in Cameroon using the Linkage Disequilibrium method with correction for age structure. Ne estimates were used to assess genetic short-term (i.e., inbreeding depression) and long-term (i.e., loss of evolutionary potential) risks. Analyses failed to obtain Ne point estimates for two populations. For the remaining ten populations, corrected Ne point estimates fell well below 500, the minimum recommended for populations to retain evolutionary potential; with eight populations below 100 (range 2.8–83.5), the minimum recommended to avoid inbreeding depression, one borderline (100–125), and one above this threshold (312–392). The lower 95% confidence interval bound of Ne for eleven populations was very small (0.7–14.6), and for the remaining population it was 44.2. Accordingly, all populations examined can be considered potentially at risk of inbreeding depression.

We investigated and quantified soil organic carbon (SOC) stock at the mangrove forest (Magyi, That Bot Khan and Wette) of Shwe Thaung Yan coastal region in Myanmar and estimated the SOC stock changes in Magyi mangrove forest over six years using repeated field measurements. The study sites were characterized by different mangrove vegetation, soil types, and sediment deposition from different water sources. Results showed that the mangrove preservation and restoration efforts had a significant effect on soil C storage, with soil carbon stocks in 2021 (1954.43 ± 33.24 ton/ha) being 2.7 times higher than the estimated carbon stock in 2015 (732.26 ± 6.99 ton/ha). The results also revealed slight differences in SOC between Magyi and the Tha-Bot-Khan and Wette areas, as the mangrove plants in the latter areas have an additional source of nutrients from Pho-Thoung-Gyi, a deep-sea bay near the forest. Our research findings are beneficial in understanding the role of Myanmar’s mangrove ecosystems in carbon sequestration and climate change mitigation efforts.

Climate change not only affects weather conditions, patterns, and the frequency and severity of extreme weather events but also changes how governments spend money. Agriculture is an important sector of the European Union (EU), and it is projected to decrease by 16% by 2050, therefore a third of the EU budget has been spent on agricultural funding, adaptation, and climate action. The effect of climate change on agriculture is mixed and dependent on the country and its location. The southern EU is adversely affected while the northern EU is positively affected by the changes in weather patterns. The main goal of this paper is to gain insight regarding the effect that climate change has on public spending in relation to the agricultural sector of the EU, by using the pooled OLS and GMM methods. The study concluded that agriculture has a significant impact on public spending in the southern countries of the EU, where it represents a significant portion of the GDP. Inflation influences public spending in the whole EU region, the northern and southern countries of the EU. Rain has a moderately significant impact on public spending in the whole EU region. It is advised that governments maintain a controllable level of inflation using fiscal and monetary policy that will implicitly control public spending.

The emergence of blockchain know-how currently presents the opportunity for the health sector to adopt such technologies in electronic health records. Blockchain assists in maintaining and sharing the relevant medical records of the patient with the relevant group of healthcare providers and the hospital. Numerous specific applications include traceability of drug and patient monitoring or Electronic Health Records (EHR). While Blockchain assists in maintaining and sharing the relevant medical records of the patient with the relevant group of healthcare providers and the hospital, it is important to note that the moral consciousness of the healthcare professionals is the main guide of the moral consciousness is ethics. This paper presents an overview of the application of blockchain in the healthcare and medical sector, highlighting the specific challenges and concerns. The study adopted a systematic review of secondary literature in answering the research question.

The current global financial sector is dedicated to providing customers with more advanced and strategic services. With channels like internet banking, mobile phone banking, and telephone banking, the industry delivers multi-channel banking services to satisfy its clients. The COVID-19 pandemic has directly impacted the global economy, as well as the financial sector, with the banking sector facing lockdown initiatives to curb the virus's spread. As a result, mobile payment methods have been favored by people over physical money for transactions. This study analyzes the factors that influenced mobile banking usage during the pandemic in Sri Lanka.. Convenience sampling was used, comprising of 200 online questionnaires conducted among customers in Sri Lanka. The collected data was analyzed using descriptive analysis, exploratory factor analysis, and multiple linear regression through IBM SPSS 25. Research findings revealed that trust and risk were significant factors affecting mobile banking usage in Sri Lanka. Trust had a positive effect while Risk negatively effects to the mobile banking usage. Ease of use and Usefulness were irrelevant factors during the COVID-19 pandemic in Sri Lanka.

Due to the broadening of services from industrial enterprises to customers, the industrial network has gained more significance than what is really thought. As a part of this revolution, this paper tried to introduce the best suitable routing option for the healthcare, banking and internet services industries to optimize the routing department of their enterprises. RIP is not associated with this study, being out of favor in the industries due to hop count limitation. The idea behind doing such a thing is to avoid improper implantation of routing inside the enterprises which causes lack of optimization in routing department. The method which is selected for this paper is qualitative case study of banking, healthcare and internet services industries with unstructured interviews of IT experts of the respected industries in an open-ended questions fashion. The results were illustrated based on the stories and the discussion of the stories is the main contributor to the result of the study. The evaluation results of the stories have illustrated, that EIGRP is a suitable routing option for health care and banking, while OSPF can be suitable for the internet services industry. The implication of the study can be optimized network of industries such as healthcare, banking and internet services and it introduces the best suitable routing option for the demanded industries with the case study method and narrative analysis of the stories, which start from load balancing type and ends to demanded routing protocol, while reaching to demanded routing protocol, it introduces the best suitable routing option of that industry

The most massive and fast-eroding thaw slump of the Northern Hemisphere located in the Yana uplands of northern Yakutia was investigated to assess in detail the cryogenic inventory and carbon pools of two distinctive Ice Complex stratigraphic units and the uppermost cover deposits. Differentiating into modern and Holocene near-surface layers (active layer and shielding layer), highest total carbon contents were found in the active layer (18.7 kg m-2), while the shielding layer yielded much lower carbon content of 1.8 kg m-2. The late Pleistocene upper Ice Complex contained 10.4 kg m-2 total carbon, and the mid-Pleistocene lower Ice Complex 17.7 kg m-2. The proportion of organic carbon from total carbon content is well above 70% in all studied units with 94 % in the active layer, 73% in the shielding layer, 83% in the upper Ice Complex and 79% in the lower Ice Complex. Inorganic carbon is low in the overall structure of the deposits.

The Loess Plateau is an important region for vegetation restoration in China, however, changes in soil organic carbon (SOC), soil nutrients, and stoichiometry after restoration in this vulnerable ecoregion are not well understood. Typical restoration types, including orchardland (OL), grassland (GL), shrubland (SL), and forestland (FL) were chosen to examine changes in the stocks and stoichiometry of SOC, soil total nitrogen (TN), and soil total phosphorus (TP) at different soil depths and recovery times. Results showed that SOC stocks first increased and then stabilized in OL, GL, and SL at 0–30 cm depth, while in FL, stocks gradually increased. Soil TN stocks first increased and then decreased in OL, SL, and FL with vegetation age at 0–30 cm depth, while soil TP stocks showed little variation between restoration types. In the later stages of restoration, the stocks of SOC and soil TN at 0–30 cm soil depth were still lower than those in natural grassland (NG) and natural forest (NF). The overall C:N, C:P, and N:P ratios increased with vegetation age. Additionally, the SOC, soil TN and soil TP stocks, and C:N, C:P, and N:P ratios decreased with soil depth. The FL had the highest rate of change in SOC and soil TN stocks, at 0-10 cm soil depth. These results indicate a complex response of SOC, soil TN, and soil TP stocks and stoichiometry to vegetation restoration, which could have important implications for understanding C, N, and P changes and nutrient limitations after vegetation restoration.

The study investigated the changes that occurred in the Mexican power sector pre-, during, and post-COVID-19 pandemic and its repercussions on energy sustainability goals. The study is based on the variability of the installed capacity, consumption, generation, and demand of the National Electric System (SEN), covering the period from 2017 to 2021. The data were collected from the Development of the National Electric System (PRODESEN), the Ministry of Energy, the National Energy Balance, and the government's official website. The results indicated that in-stalled capacity and generation increased by 22.83% and 27.86%, respectively, despite the pan-demic. This growth was attributed to clean energy, mainly photovoltaic solar and wind sources. Another finding is that the gross domestic product (GDP), consumption, and demand were seri-ously affected by COVID-19. They had a fall of 8.2%, 2.2%, and 4.4%, respectively, which trans-lates into a significant economic lag and a slowdown in energy self-sufficiency and the Mexican Energy Transition (TEM). Moreover, the objective of generating 35% and 40% of electrical ener-gy through clean energy will be achieved by 2031 and 2035, instead of 2021 and 2035, respec-tively.

For the time being, public sector innovation gains new and complex forms of expression: managerial, institutional, technological or communication. This fact is also due to national and international important bodies’ interest for using innovation as resource and tool for public sector development. Characterised by complexity and adaptation, the innovative processes in the public sector embrace the form of medium and long term innovation strategies, holding high key socio-economic impact on the social utility of public sector innovation. The optimality of innovation strategies becomes a tool for improved decisions in public sector management, providing the methodology for their evaluation related to the objectives of development in the public sector.

One of the fastest growing customer service delivery platforms is online banking. However, the increasing number of attacks on online banking platforms is driving the banks to constantly review their security. This study developed an enhanced Multi-factor authentication scheme with a track and trace capability to reduce these threats. Five modalities of authentication were incorporated in the proposed scheme: The traditional username, password, personal identification number (PIN) and one-time PIN (OTP), augmented with fingerprints or facial scans, registered smart devices, and a time locked user's location. One of the scheme's most impressive accomplishments is its capacity to seamlessly detect undesired activities and send alerts in the form of secretly obtained photographs and location triangulation.

Climate and land-use changes have been contributing to increase the occurrence of extreme wild-fires, shifting fire regimes and driving desertification, particularly in Mediterranean-climate regions. However, few studies have researched the effects of land-use change on fire regimes and carbon storage at the broad national scale. To address this gap, we used spatially explicit data from annual burned areas in mainland Portugal to build a typology of fire regimes based on the accumulated burned area and its temporal concentration (Gini index) between 1984 and 2019, which was combined with 2018 carbon stock data (above- and below-ground), and a landscape typology re-sulting from cluster analysis over land-use composition, diversity and configuration, to explore relationships between landscape types and the two major ecosystem services at stake: wildfire reduction and carbon stock. Cross tabulations, logistic and linear regressions were performed on these data and results revealed a strong relationship between landscapes dominated by maritime pine and eucalypt forest plantations and high-hazardous fire regime but hold the highest carbon stock. Shrubland-mixed landscapes were associated with lower carbon stocks but less hazardous fire regimes. Specialized agricultural landscapes, as well as mixed native forests and mixed agro-forestry landscapes, were the least associated with wildfires. In the case of agricultural landscapes however, this good wildfire performance is achieved at the cost of the poorest carbon stock, de-noting land degradation, whereas native forests and agroforestry landscapes strike the best trade-off between carbon stock and fire regime. Our findings support how nature-based solutions promoting wildfire mitigation and carbon stock ecosystem services may prevent and revert land degradation harming Mediterranean regions.

In this research, the primary goal was to investigate the relationship between strategic planning and organizational performance in Iraq's manufacturing context. The study's primary data sources were 360 manager respondents. The structured questionnaire was used to collect primary data from manufacturing firms located throughout Iraq. To analyze the result, the researcher used descriptive statistics, correlation, and multiple regression analysis. SPSS version 16 software was used to conduct data analysis. The result reveals that the process of strategic planning has a beneficial effect on financial performance. Environmental scanning has a statistically significant positive effect on a company's non-financial performance. Management participation and planning formality positively and statistically significantly affect a business's non-financial performance at the 10 percent level. The domain of strategy and technique has not impacted the company's non-financial performance.

This research aims to introduce a model, SectraBank, designed to mitigate cyber fraud attacks, specifically targeting SIM Swapping and Fake App schemes in mobile banking users. A quantitative methodology with an experimental design was meticulously employed to examine the rise of cyber fraud within mobile banking. The study involved a sample of 100 professionals with advanced knowledge in Information and Communication Technologies (ICTs). Surveys were utilized to measure awareness of threats and perceptions of security before and after the implementation of the proposed model. SectraBank leverages unique user identifiers such as fingerprint authentication and the International Mobile Equipment Identity (IMEI) number, in addition to geolocation and One Time Passwords (OTP) for validating electronic transactions in mobile banking. The effectiveness of the proposed model was notable, achieving a 96.1% efficacy rate in mitigating Fake App attacks and a 90.2% success rate in countering SIM Swapping attacks. These findings underscore the potential of SectraBank as a robust solution to enhance cybersecurity measures in the realm of mobile banking.

Norovirus (NoV) is recognised as a major cause of epidemic and sporadic acute gastroenteritis (AGE) in all age groups. Information on the genetic diversity of the NoVs circulating in the 1980s and 1990s, before the development and adoption of dedicated molecular assays, is limited compared to the last decades. In the period 1986-2020, uninterrupted viral surveillance was conducted in symptomatic children hospitalized for AGE in Palermo, Italy, providing a unique time capsule for exploring the epidemiological and evolutionary dynamics of enteric viruses. In this 35-year long time span NoVs of genogroup II (GII) were detected in 15.6% of AGE requiring hospitalization, whilst GI NoVs in 1.4%. Overall, the predominant NoV capsid (Cap) genotype was GII.4 (60.8%), with temporal replacement of the GII.4 Cap variants and associated polymerase (Pol) types. The chronology of emergence and circulation of the different GII.4 variants were consistent with the data available in literature. Also, for GII.3 and GII.2 NoVs the circulation of different lineages/strains, differing in either the Cap or Pol genes or in both, was observed. This long-term study revealed the ability of NoVs to modify continuously and rapidly their genomic makeup and highlights the importance of surveillance activities for vaccine design.

This manuscript reviews the relationship between customer perception factors and AI-enabled customer experience in the Ecuadorian banking industry. The study employs a self-designed online questionnaire with five factors for customer perception (convenience in use, personalization, trust, customer loyalty, and customer satisfaction) and two categories for AI-enabled customer experience (AI-hedonic customer experience and AI-recognition customer service). The final valid dataset consisted of 226 questionnaires. The data analyses and the hypotheses tests were done using SPSS 26 and structural equation modeling, respectively. The main findings displayed that all five customer perception factors have a positive and significant effect on AI-enabled customer experience in the Ecuadorian banking industry. Study results are aligned with previous findings from other countries, particularly the banking environment in the United Kingdom, Canada, Nigeria, and Vietnam. The AI techniques involved in the financial sector increase the valuation of customer experience due to AI algorithms recollecting, processing, and analyzing customer behavior. This study contributes with a complete statistical and econometric model for determinants of AI-enabled customer experience. The main restriction of the study is the particular analysis of the most demanded AI financial services (not all services and products are included) and the inexistence of a customer perception index. For upcoming research, the authors recommend performing a longitudinal study using quantitative data to measure the effect of AI-enabled customer experience on the Ecuadorian banks’ performance.

This is a quantitative research based on secondary sources of data. The study examines the influence of Chief Executive Officer’s (CEO) compensation on a firm's performance. The objectives of the study were to determine if CEO compensation and firm size do significantly influence a firm’s performance. In other to elicit information to examine the relationship between the variables, the convenience sampling technique, with the combination of both the cross-sectional and time-series data (panel data) were used since they provide greater precision and guard against having an illusory sample. 10 banks quoted on the Nigerian Stock Exchange were sampled for easy accessibility of data. The least square regression technique was used to test the hypotheses of the study. Two hypotheses were tested using panel least square (EViews 8) and from the research work, we summarize the following results; there is a significant relationship between CEO compensation and firm performance in the Nigerian banking industry. In addition, firm size does significantly influence firm performance in the Nigerian banking industry. The study recommends that there should be proper compensation review as this will increase the productivity of the executives. Since increased pay is necessary for the efficiency of the workers, it is advised to ensure a considerable pay as this will ensure for efficiency in the organization. In addition, since the core goal of setting up any business is to make a profit, business organisations should sort out ways at maximising profit and this could include cutting down expenses such as cutting down excessive employees’ pay (CEOs pay especially) and setting apposite pay package for employees. Therefore, policymakers (board of directors) should make an effort to align CEO’s paywith the firm’s capability to pay.

In the construction business, which is known for its intricate and strategic nature, it is crucial to have efficient risk management in place. This is because various internal and external elements can cause disruptions to projects. Although the industry has had a historically negative reputation for risk analysis, the methodical process of identifying, analyzing, and managing risks has been more widely recognized and respected. This paper examines the historical progression of construction risk management, highlighting the need to identify and classify risks promptly. The study examines various risk factors related to finance, law, environment, and logistics. The study explores various risk management strategies, such as contract management, risk distribution, evaluation, mitigation, and sharing. The article discusses the significant impact of risk management software, such as Procore, PlanGrid, e-Builder, Autodesk BIM 360, and Oracle Primavera, on improving project results. The study finishes by highlighting the importance of proactive risk management in protecting against financial losses and maintaining a reputation in the construction business.

The study conducts a comparative life cycle assessment (LCA) analysis to assess the environmental impact of two different manufacturing processes used to produce transparent dental aligners. The former method consists of thermoforming a polymeric disc over 3D printed, customized models, while the second, more innovative approach involves the direct printing of aligners using additive manufacturing (AM), specifically applying digital light processing (DLP) technology. The analysis results highlight how adopting direct printing through AM brings significant advantages in terms of environmental sustainability, thanks to the substantial reduction in raw materials and electricity consumption. These drops translate into decreased potential environmental impacts across all impact categories considered within the EF 3.1 method. Furthermore, lowering the amount of raw materials needed in the direct printing process contributes to a notable decrease in the overall volume of waste generated, emphasising the environmental benefits of this innovative technique.

The physicochemical treatment/recovery techniques, including precipitation, membrane technology, solvent extraction, foam fractionation, adsorption, and aqueous two-phase systems, will be reviewed. The bio-treatment processes, based on microorganisms and/or enzymes consuming nutrients available in food-processing wastewater as low-cost substrates to produce valuable products, will be discussed in detail, including the production of microalga biomass in wastewater treatment systems. Finally, future research direction will be proposed to integrate the circular economy and develop integrated food processing wastewater management systems.

Generalisation from the local 4-dimensional spacetime form for a proper time interval provides an alternative basis for a unified theory contrasting with the more familiar approach of appending extra dimensions of space. In both cases the main goal is to derive a structure of matter that accounts for empirical observations from the properties of the additional components. Previous work has focussed upon the direct and significant connections that this new approach makes with the Standard Model of particle physics while also providing a link with dark matter models. In this paper we elaborate on how a further sector of generalised proper time, incorporating the key component of negative pressure, can account for the apparent dark energy fuelling the accelerating large-scale expansion of the universe. Through comparison with existing dark energy models we elucidate the elementary composition of this sector, its potential relation to an effective cosmological constant term, and the nature of possible interaction with the visible and dark matter sectors.

The concept of sustainability and sustainable development, especially systemic sustainable development, still raises controversy in literature. The article makes an attempt to re-examine these concepts from a systems perspective, seeking foundations and applications in the selected sector. It is becoming increasingly clear that sustainability and sustainable development are aimed at integrated economic, social, cultural, political, and ecological factors [1[,[2] (pp.641-642). This causes that the constructive approach to the issue is required, taking into account all the actors, areas and dimensions involved in the pursuit of systemic sustainable development. As a result, both local and global dimensions and the way they interact must be explored in a multi-faceted manner in order to offer a perspective more useful than other analytical approaches, because the systems view is a way of thinking in terms of connectedness, relationships, and context [3]. The article aims to review selected publications and studies so as to form the general idea of systemic sustainable development and define the systemic development of sustainable transport, including in particular the perspective of the actors of the sector, transport providers (passenger, urban) and transport development program, implemented both by local governments and on the European scale. An attempt was made to identify elements of the systemic sustainable development model, setting it in the reality of the following subcategories: “Society”, “Economy” and “Environment” in sectoral terms. It is supposed that, systemic sustainable development is a conglomerate of public administration entities, companies operating in the sector, individual and corporate customers, acting in certain conditions for economic, social and environmental well-being, and a number of their initiatives of major or minor significance, grouped in six sub-areas, undertaken to achieve systemic value in the examined sector, with a positive or negative business/economic, social and environmental impact.

The effects of the 2008 financial crisis undoubtedly caused problems not only to the banking sector but also to the real economy of the developed and the developing countries in almost all around the globe. Besides, as is widely known, every banking crisis entails the corresponding cost to the economy of each country affected by it, which results from the shakeout and the restructuring of its financial system. The purpose of this research is to investigate the consequences of the financial crisis and the COVID-19 health crisis and how these affected the course of the four systemic banks (Eurobank, Alpha Bank, National Bank, Piraeus Bank) through the analysis of ratios for the period of 2015-2020.

This study examined the determinants of domestic savings mobilization among the rural poor in Uasin-Gishu county, Kenya. The general notion is that the subsistence farmers are too poor to save. This seems to be unfounded given the fact that they are general excluded from formal financial services and studies on poverty in the country show that the average propensity of the rural households to save is higher than the national average. What are the factors which motivate small scale farmers to save? The study was conducted on 446 table banking groups under the aegis of JOYWO, a table banking grouping in Kenya. Data was collected using structured questionnaires from members of groups under the umbrella of JOYWO. The findings of the study indicates that household income had a positive and significant effect on savings mobilization while dependency ratio had a negative and significant effect on savings mobilization. Household size was not significant. The results point to the need to expose the rural poor to informal savings and financing models expected to enhance income generating capabilities of the rural poor and lower the level dependency through government welfare funding for senior citizens and essential services for the young.

In this paper, we use the Principal Components Logistic Regression as a technique to reduce the variables being used in Credit Scoring Modeling. Specifically, we construct two models in which greek enterprises are classified, through their credit behavior and we evaluate them, relying on real data. In general, we propose a general way to use PC Regression, in case that we have high correlations and categorical variables in the sample.

Previous research on consumer perceptions of salmon has often neglected Indigenous rights within the Canadian salmon industry. This study acknowledges the decline in salmon farm licenses in British Columbia and aims to achieve three main objectives: (1) gain a comprehensive understanding of four consumer perceptions—environmental sustainability, economic considerations, Indigenous rights, and price increase—across diverse consumer profiles through a cross-national online survey; (2) identify factors influencing these four consumer perceptions; and (3) assess the impact of these perceptions, along with socio-demographic variables and consumer motivations, on seven purchasing behaviors related to Canadian salmon products. Data analysis employs the graded response model and cumulative link models. The results illustrate how consumer profiles influence the four perceptions and their key determinants. Additionally, the study quantifies the impact of environmental sustainability, economic considerations, Indigenous rights, and a price increase on consumer purchasing behaviors.

The global carbon neutrality challenge places a spotlight on forests as carbon sinks. However, greenhouse gas (GHG) balances of wood for material and energy use often reveal GHG emission savings in comparison with a non-wood reference. Is it thus better to increase wood production and use, or to conserve and expand the carbon stock in forests? GHG balances of wood products mostly ignore the dynamics of carbon storage in forests, which can be expressed as the carbon storage balance in forests (CSBF). For Germany, a CSBF of 0.25 to 1.15 t CO2/m³ wood can be assumed. When the CSBF is integrated into the GHG balance, GHG mitigation substantially deteriorates and wood products may even turn into a GHG source, e.g. in the case of energy wood. Here, building up the forest carbon sink would be the better option. We conclude that it is vital to include the CSBF in GHG balances of wood products if the wood is extracted from forests. Only then can GHG balances provide political decision-makers and stakeholders in the wood sector with a complete picture of GHG emissions.

We report the relative humidity (R.H.) sensing response of a resistive sensor, employing sensing layers based on a ternary nanohybrid comprising holey carbon nanohorns (CNHox), potassium chloride (KCl), and polyvinylpyrrolidone (PVP) at mass ratios 7/1/2, 6.5/1.5/2, and 6/2/2 (w/w/w/w). The sensing structure comprises a silicon substrate, a SiO2 layer, and interdigitated transducer (IDT) electrodes. The sensing film is deposited on the sensing structure via the drop-casting method. The sensing layers' morphology and composition are investigated through Scanning Electron Microscopy (S.E.M.) and RAMAN spectroscopy. The ternary hybrid-based thin film resistance increases when the sensors are exposed to R.H., ranging from 0% to 100%. The manufactured devices show a room temperature response comparable to a commercial capacitive R.H. sensor and are characterized by excellent linearity, rapid response time, and good sensitivity. The presented sensors exhibit superior performance in terms of sensitivity compared to other similarly manufactured and tested sensors that employ a CNHox-based sensing layer. We explain the sensing role of each constituent of the ternary hybrid nanocomposites based on their chemical and physical properties, electronic properties, and affinity for water molecules. Different alternative sensing mechanisms are considered and discussed, such as the decreasing number of holes in the holey CNHox at the interaction with water molecules, proton conduction, and PVP swelling.

This research investigates the challenges and opportunities associated with supply chain transparency and traceability in the renewable energy sector. Using a qualitative methodology, the study involved semi-structured interviews with key stakeholders, including industry experts, supply chain managers, regulatory officials, and NGO representatives. The findings reveal that the complexity and global span of renewable energy supply chains pose significant hurdles for ensuring transparency and traceability. Variability in the maturity of traceability systems across companies further complicates the landscape, with some companies benefiting from advanced systems while others struggle with cost and technical barriers. Technological advancements, especially blockchain, offer promising solutions but require standardization and scalability to be effective. Regulatory frameworks play a crucial role, yet inconsistencies across jurisdictions create compliance challenges, underscoring the need for harmonized standards. Collaboration and partnerships are essential, providing platforms for sharing best practices and developing common standards. Enhanced transparency can lead to operational efficiencies, improved consumer trust, and stronger market positioning. Integrating sustainability into supply chain practices is fundamental, aligning with the increasing emphasis on ESG criteria among investors and stakeholders. Education and capacity-building, particularly for suppliers in developing countries, are vital for promoting transparency. Leadership and corporate culture are critical in driving these efforts, with strong commitment from the top necessary to implement effective practices. This study contributes valuable insights for stakeholders in the renewable energy sector, offering a foundation for future research and policy development aimed at advancing sustainable and ethical supply chain practices. The findings highlight the need for a holistic approach that integrates transparency and traceability into broader sustainability and business strategies.

New ways of generating energy are currently being discussed, with a transition from traditional primary sources to more environmentally friendly options, particularly renewables. Energy storage is also closely related to this transition. Battery storage currently dominates this area. However, flywheel energy storage system (FESS) technology offers an alternative that uses stored kinetic energy to be transformed into mechanical energy and, using a motor-generator, electrical energy. FESS technology is thus flexible and can be applied in different industrial applications. The management of the technology of recycling W-MMC waste material from other products and the subsequent trial production of high-strength W-MMC material with a density of more than 17 500 kg/m3 from recycled powders allowed to test the limits of the so-called "heavy" flywheels used in rotor production. Materials with densities ≥ 7 800 kg/m3, and operating at lower to medium speeds up to 20 000 rpm. The results achieved lead to the conclusion that the developed recycled materials of the W-MMC type with a density ≥ 17 500 kg/m3, with a yield strength of 1 200 - 1 700 MPa depending on the production method, can be used as a substitute for the structural steels used today, without an enforced reduction of the maximum allowed rotor speed due to exceeding the maximum allowed stress.

Accounting information is a crucial management tool for Nigerian national development services. In every state or country, accounting is crucial to maintaining social peace, political stability, and economic sustainability. The explanation for this clear truth about the development of Nigeria is not plausible given the massive multi-sectoral scope of Nigerian economic activities in both the public and private sectors. For government national progress, reliable accounting information is essential. This research aims to explore the role of accounting on public sector accountability in Nigeria.

Plant breeding is central to agriculture, and shifts in plant breeding practices (e.g., hybrid development) and selection goals (e.g., response to synthetic fertilizer) have catalyzed monumental and persistent changes in agricultural production systems of all scales with social, political, economic, and environmental repercussions. While plant breeders are largely trained in the sciences of biology, genetics, and statistics, we posit an ethical imperative to examine the degree of equity with which the benefits of new research and plant varieties are distributed. In the United States, the history of plant breeding parallels the colonial history of agriculture, which compels reflection by current plant breeders about their role in shaping our agricultural system. In this perspective essay, we examine longstanding ideas about equitable food systems through the lens of public plant breeding in the United States. We propose a framework for equitable public plant breeding with respect to both its process and outcomes, and we intend for the ideas presented herein to catalyze reflection, discussions, and actions as the plant breeding community seeks greater equity in the food and seed systems our work supports.

The present study aims to analyze scientific production about technological cooperation networks in biotechnology sector, based on bibliometrics network analysis. We used the Gephi software to identify groups of partnerships, proving that the cooperation relationship is a practice used, re-sulting technological development. Findings identify that in the path for new resources that com-plement skills and competences universities are an important player in this cooperative ecosystem, and The United States is a large hub, with an extensive network of global cooperation. A strong role of its researchers in the publication of scientific articles in cooperation is highlighted. This study contributes to the advancement of the discussion about cooperative networks, as well as to the development of policies aimed at the biotechnology sector advancements

This brief communication considers and illustrates dark matter and dark energy within the Baryon Phase Transition (BPT) cosmological model as well as some experiments that may confirm (or deny) the validity of the model.

Turkana County's fisheries sector, which is entirely dependent on Lake Turkana, is vital to the county's economy. The Fisheries Sector in the County supports 1,500 households directly and 1,100 households indirectly. Despite its economic and social importance, the sector faces numerous challenges such as high post-harvest fish losses, uncoordinated development approaches, over-exploitation of some lake areas and weak links between research, management, and other sector players. Furthermore, since the start of devolution in 2013, the sector has been operating without an overall policy and legal framework. The primary goal of the study was to identify important challenges in the management of the fisheries sector in Turkana County that would lead the successful and coordinated growth of the fisheries industry. To capture their perspectives on the problems and potential in the usage of Lake Turkana's fisheries resources, semi-structured questionnaires and Key Informants interviews were used to collect primary data from the sector's fisheries actors. A total of 60 people were interviewed, and their responses were recorded in the Kobo Collect toolbox for later analysis. Secondary data was also gathered from numerous national policy declarations, guidelines, and legislation that have been used to manage Lake Turkana's fishery resources. The findings indicate that a policy directing the exploitation and development of fisheries is required in order to fully realize the potential of fisheries and aquaculture in the County. The development of the policy will lay a solid foundation for the creation of a legal framework to strengthen the sector in Turkana County, which is a necessary step toward achieving sustainable development and management of fisheries in accordance with national, regional, and international frameworks. By leveraging the role of the County Directorate of Fisheries and Beach Management Units in the sectors' monitoring, management, and development, the policy will also promote effective coordination of stakeholders at all levels.

A study analyzed financial statements in the beer sectors of Italy and Spain during 2019-2021 using compositional data analysis (CoDa) to gauge pre- and post-pandemic financial health and aid sector-level decision-making. Geometric averages were employed to mitigate statistical issues, offering more accurate insights than arithmetic averages. The exploratory, quantitative methodology calculated key financial ratios and profitability metrics. Results indicated satisfactory short-term solvency. Returns and margins remained subpar despite pandemic policies. Geometric averages proved essential in portraying sector health accurately, underscoring the need for their use in classic brewing sector ratios. The study also showcased CoDa's efficacy in diagnosing sectoral financial health for informed decision-making. Furthermore, a web analysis revealed varying transparency levels in communicating non-financial indicators, with Spain excelling in waste, water, and energy disclosures, while Italy prioritized energy and waste with less transparency.

Dental healthcare providers, staff and patients are constantly exposed to the risk of infection or cross-infection in the dental office, particularly due to the formation of biofilms within Dental Unit Waterlines (DUWLs). Good water quality, achieved with environmentally friendly means, is essential in ensuring the safe operation of the clinic. The aim of this study was to evaluate the practices and protocols used in dental offices of Metropolitan Athens in Greece with regards to water quality in DUWLs. The questionnaire about water quality was distributed to dental practitioners in 2022 and was completed by 206 dentists. Water supplied to dental units was mainly from the public network (65.0%), with 55.8% using in-office filtration. Most dentists (71.8%) do not know the active substance of the antiseptic used for the DUWLs, while 96.1% reported having an antiseptic reservoir embedded in the dental unit. Daily flushing with a small and a large amount of fluid was practiced in approximately 83% and 61% of dental offices, respectively. Dental associations should raise awareness regarding water quality and maintenance of DUWLs in dental offices, investing in lifelong learning, while implementing protocols and green strategies.

This article evaluates Europe's building sector's circular economy (CE). This industry is respon-sible for 42% of energy consumption, more than 50% of extracted materials, 30% of Europe's wa-ter and waste generation, and 35% of greenhouse gas (GHG) emissions. This study focuses on peer-reviewed articles from Scopus and Web of Science databases. Of the first 1750 publications, 2.9% were eligible for a full-text reading and analysis. Most of the trending studies, 92%, pro-mote the circular economy concept through construction materials rather than analyzing the im-pact of the construction sector on the environment and finding solutions for better implementa-tion, and 41% promote recycling and reuse as the only options. New Design solutions are in 12% of the studies, six-fold more than Law and Legislation, only 2%. Finding an optimal combination of assessing the life cycle of buildings and components and searching for different ways of man-aging the Construction and Demolition Waste at end-of-life is between 33% and 39%. Ultimately, one evaluated CE proposed frameworks for the building industry based on 10R principles varia-tions. One presents an alternative framework for a circular strategy for the building industry that focuses on Upcycling, replacing the Recover principle.

The study describes in this paper uses direct evidence from processes applied for the developing economy of Indonesia, as it defines the trajectory for its future energy policy and energy research agenda. The paper makes explicit the process undertaken by key stakeholders in assessing and determining the suitability, feasibility and dynamics of the renewable energy sector. Barriers and enablers that key in selecting the most suitable renewable energy sources for developing economies for the renewable energy development have been identified from extensive analyses of research documents alongside qualitative data from the focus group discussions (FGD). The selected FGD participants encompass the collective views that cut across the political, economic, social, technological, legal and environmental aspects of renewable energy development in Indonesia. The information gained from the FGD gives insights to the outlook and challenges that are central to energy transition within the country, alongside the perceptions of renewable energy development from the influential stakeholders contributing to the process. It is notable that the biggest barriers to transition are centred on planning and implementation aspects, as it is also evident that many in the community do not adhere to the same vision.

The present research endeavours to examine the impact of customers' perceptions regarding a firm's dedication to corporate social responsibility (CSR) on their allegiance to particular banking brands. The mediating factors of brand credibility and image help to facilitate the indirect relationship between corporate social responsibility (CSR) and brand equity, which is the focus of this study. The objective of the research is to investigate the plausible causal association among perceived corporate social responsibility, brand image, brand credibility, and brand equity. The study's data was obtained by conducting a survey among a sample of 320 banking customers in Ethiopia. In order to perform a thorough examination of the data, AMOS version 24.0 and structural equation modelling (SEM) methodologies were employed. The present research endeavours to broaden the conventional comprehension of the advantages that corporate social responsibility (CSR) offers to customers. It aims to address a void in the current literature by scrutinising the impacts of customers' perceptions of CSR, brand credibility, and brand image on their allegiance towards particular banking service brands. The findings of this study carry substantial implications for financial institutions, and the conclusions derived from the results are of considerable significance.

Keywords: environmental impacts of hotels; environmental management in lodging facilities; corporate sustainability.

Organization resilience indicates the capacity of an organization or system to return to its steady condition or exceed it after going through a disruptive event that disrupts its steady condition. Qatar's oil and gas sector has shown remarkable Resilience during the COVID-19 pandemic due to its preparedness and readiness to deal with such a disruption. As a lesson learned from the recent COVID-19 pandemic, local governmental institutions need to support national preparedness and Resilience to handle emergencies and unpredictable crises by learning from the success model of Qatar's oil and gas sector. This study presents the key Resilience Engineering Indicators (REIs) that make this sector resilient and validates the six Resilience Engineering indexes or dimensions adopted from [1], [2]& [3], which include top management commitment, speaking up culture, learning, awareness, being prepared, and flexibility. The study evaluated the performance of these REIs using a 5-point Likert Scale survey questionnaire based on the relevance to resilience dimensions. The results show 10 REIs contributing to the organization's resilience and the top four most important Resilient Dimensions (RDs). Moreover, this is the first study to evaluate and assess the organizational resilience level in Qatar's oil and gas sector. This study's results can be integrated into different organizations' strategies to improve the efforts to enhance national response to disturbances in governance.

This article should examine ideas of how a chatbot can support decision making processes by col-lecting general opinion about the certain topics. The ChatGPT is tested in this article in respect of natural gas security of supply of the Republic of Serbia in the context of the current political situation in the world. The author first describes its own stance on the topic and then the ChatGPT is asked for its opinion (which most probably collects and compiles phrases from English speaking sources to build a text in a smart way). The topic is ort only about security of gas supply of Serbia but also political and highly sensitive, so it is examined if the ChatGPT can be useful tool to reach a balance between less on more favorable options in the process of policy making.