In this study, we explored the application of deep learning techniques for credit card fraud detection, aiming to improve the performance and reliability of anomaly detection methods in financial transactions. We first utilized the Isolation Forest algorithm, achieving a detection accuracy of 26% for the top 1000 transactions. Subsequently, we experimented with the Autoencoder algorithm, an unsupervised deep neural network model, which enhanced the detection accuracy to 33.6% in the best case despite some fluctuations. The results demonstrate deep learning models' strong feature extraction capability and adaptability, highlighting their potential to surpass traditional methods. However, the high imbalance in the dataset, with only 0.17% of transactions being fraudulent, poses a significant challenge. This study underscores the necessity for further experimentation and optimization of network structures and hyperparameters to achieve more stable and efficient fraud detection. The findings provide valuable insights and reference points for future research in financial fraud detection using deep learning methodologies.

The paper explores using generative artificial intelligence (AI) in financial market data management and forecasting. By integrating multiple data sources and feature extraction techniques, such as fundamental analysis, technical indicators, global economic data, and sentiment analysis, generative AI constructs a comprehensive deep learning framework that significantly enhances financial data management efficiency and market forecasts' accuracy. Specifically, technologies like generative adversarial networks (Gans) and variational autoencoders (VAE) demonstrate substantial data augmentation and model optimisation potential. The application value of the model in real-time market prediction and trading strategy optimization is further amplified through reinforcement learning methods.

In today's highly digitized and globalized financial environment, the need to protect payment systems from risk is more urgent than ever. Artificial intelligence (AI) technology is rapidly becoming a key tool in this space, with machine learning algorithms, big data analytics, and real-time monitoring enabling AI to effectively detect and prevent fraudulent activity, optimize risk management processes, and deliver intelligent services. AI not only improves the security and efficiency of payment systems, but also significantly improves customer satisfaction and loyalty. With the continuous development of AI technology and financial payment technology, the financial payment industry will usher in more innovations and changes in the future, further optimizing the payment process, improving payment efficiency, and ensuring payment security.

This article explores the application of machine learning techniques, specifically focusing on ensemble methods like Random Forests, for detecting fraudulent activities in digital financial transactions. Highlighting the evolution from traditional statistical approaches to modern machine learning models, it underscores the effectiveness of Random Forests in handling the inherent challenges of imbalanced datasets typical in fraud detection scenarios. Using a Kaggle dataset of credit card transactions, the study optimizes Random Forest parameters through rigorous parameter tuning, achieving significant improvements in model performance metrics such as Area Under the Curve (AUC). The findings underscore the critical role of machine learning in enhancing fraud detection capabilities, emphasizing the ongoing evolution and future potential of these methodologies in financial risk management.

This study assessed the financial management practices and challenges of food cart businesses in Cabanatuan City, Nueva Ecija. The study used a descriptive research design and structured surveys and questionnaires to gather quantitative data from 20 food cart businesses. The data were analyzed using statistical tools such as weighted means, frequencies, and percentages to provide a comprehensive overview of these small enterprises' financial practices and challenges. Key findings highlight that while many businesses demonstrate basic financial literacy, significant gaps exist in financial record-keeping, budgeting, and revenue management. The study emphasizes the importance of improving these practices to ensure the sustainability and growth of food cart businesses. The research contributes to the broader discourse on small business management and economic development by identifying common challenges and offering targeted recommendations. The findings underscore the need for targeted interventions, such as financial training and policy support, to enhance the financial acumen of food cart owners. This study adds to the existing body of knowledge as it provides practical insights that can benefit business owners, policymakers, and community stakeholders in fostering a more resilient and economically vibrant local economy.

This article examines the integration of artificial intelligence (AI) and robotic process automation (RPA) in financial accounting and management, underscoring their role in driving the digital transformation of corporate finance. It discusses the shortcomings of traditional financial processes and highlights the potential of AI and RPA technologies to enhance efficiency, accuracy, and cost-effectiveness. The paper also explores the limitations of RPA, such as its challenges in processing unstructured data and handling complex decision-making scenarios. Looking forward, it considers the future trends in AI and RPA, emphasizing the benefits of cloud technology in scaling automated systems and addressing associated challenges.

This qualitative research explores the impact of Supplier Relationship Management (SRM) on e-commerce brand reputation, focusing on the strategic imperatives, operational challenges, and economic implications within digital supply chains. Trust emerges as a foundational element in effective SRM practices, facilitating consistent product quality, timely delivery, and consumer trust, thereby enhancing brand credibility and loyalty. Strategic alignment of SRM with organizational goals enables e-commerce brands to leverage supplier capabilities for mutual growth and innovation. Operational challenges such as technological constraints and logistical complexities underscore the importance of digital integration and proactive risk management strategies to optimize SRM effectiveness. Digital technologies, including AI and blockchain, play a transformative role in enhancing transparency, efficiency, and resilience in SRM strategies, enabling e-commerce firms to mitigate risks and capitalize on market opportunities. Emotional intelligence (EI) competencies among supply chain professionals facilitate effective communication, conflict resolution, and sustainable supplier relationships that bolster brand reputation resilience. Economically, effective SRM practices yield cost efficiencies, improved financial performance, and resilience against supply chain disruptions, supporting sustainable growth in competitive digital markets. This study contributes valuable insights for practitioners and scholars aiming to enhance SRM strategies, optimize supplier relationships, and strengthen brand reputation management in e-commerce. By prioritizing trust, strategic alignment, digital innovation, EI competencies, and proactive risk management, e-commerce brands can navigate complexities, capitalize on opportunities, and foster positive brand reputations in the evolving landscape of digital commerce.

This paper utilizes the 2020 financial data of A-share listed companies, both ST and non-ST, as the data sample. The model is constructed employing the Factor-Logistic fusion algorithm. Eight key indicator factors were selected from the frameworks of profitability, solvency, operating capacity, development potential, shareholder retained earnings, cash flow and asset growth. An independent indicator system was subsequently established to address the issue of collinearity among risk indicators. The results of model are presented in the form of probabilities, enhancing the interpretability of model. The weights of the features indicate the influence of different features on the final outcome. The model achieves a prediction accuracy of over 89%, with an AUC score exceeding 95%. Finally, by applying the principles of interval estimation theory in statistical hypothesis testing, the risk levels are categorized as A-level representing significant risk, B-level representing moderate risk, C-level representing minor risk and D-level representing no risk. This paper aims to provide a comprehensive definition of a universal financial risk management warning model for enterprises, applicable to all enterprises in China.

This qualitative research explores Supplier Relationship Management (SRM) within the context of subscription-based e-commerce models. Through in-depth interviews and thematic analysis, the study investigates key elements such as trust, collaboration, technology integration, sustainability, risk management, cultural alignment, innovation, cost management, globalization, supplier selection, and performance measurement. Findings reveal that trust is foundational in fostering reliable interactions and open communication between e-commerce businesses and suppliers. Collaboration emerges as crucial for innovation and operational efficiency, facilitating co-development and shared risk management. Technology integration, including AI and blockchain, enhances supply chain visibility and decision-making capabilities. Sustainability considerations drive businesses to engage with suppliers adhering to environmental standards, enhancing brand reputation and consumer loyalty. Effective risk management strategies mitigate disruptions and ensure supply chain resilience. Cultural alignment fosters harmonious partnerships and mutual understanding across diverse global markets. Innovation through supplier collaboration drives product development and market responsiveness. Cost management practices optimize operational efficiency and strategic supplier relationships. Globalization necessitates adaptive strategies to manage diverse cultural and regulatory landscapes. Strategic supplier selection and continuous performance measurement drive ongoing improvement and alignment with business objectives. This study contributes empirical insights and practical implications for enhancing SRM in subscription-based e-commerce, informing strategies to navigate challenges and leverage opportunities in a competitive marketplace.

This paper aims to assess whether the financial performance of Portuguese companies that publish sustainability reports (SR) differs from the financial performance of companies that do not publish SR. We use two methodological procedures. First, we conducted a univariate analysis to test the differences in the financial performance according to the disclosure of SR. Second, we conducted a multivariate analysis using a multiple linear regression that explains financial performance by the disclosure of SR, as well as control variables such as sector, size, leverage, growth, and liquidity. Findings indicate that financial performance of companies that disclose SR does not significantly differ from the financial performance of companies that do not disclose SR. The results are robust to both methodological procedures, as well as to the sample split by sectors.

The integration of deep learning models into financial risk prediction and analysis has significantly transformed traditional approaches. While conventional quantitative methods often rely on simplistic metrics like maximum drawdown, the advent of deep learning necessitates a more nuanced evaluation, emphasizing the model's generalization ability, especially during market crises such as stock market crashes. This paper explores the critical aspects of evaluating deep learning models' risk control capabilities in finance, underscoring the importance of understanding both statistical metrics and generalization abilities, particularly in adverse market conditions. By examining deep learning models' performance in scenarios like stock market crashes and highlighting the significance of cross-validation techniques, this study aims to offer practitioners insights into constructing robust risk management systems. It advocates for a comprehensive approach integrating quantitative analysis with macroeconomic factors to enhance financial risk prediction and analysis in volatile markets. The experimentation reveals that different deep generative models excel in various aspects of financial time series analysis, with generative adversarial networks (GANs) demonstrating superior performance in predicting Value at Risk (VaR) and variational autoencoders (VAEs) excelling in return rate prediction. Moreover, integrating multiple models further enhances predictive performance, leveraging the strengths of each model to compensate for individual weaknesses. Overall, this paper underscores the potential and significance of deep generative models in financial time series analysis, offering a roadmap for improved risk management and decision-making in financial markets.

Fintech facilitates financial inclusion by introducing new sustainable and accessible business models in developing countries. Open banking API technology is used by various fintech businesses in both developing and developed countries, with varying effects on financial markets. It changes the financial market distribution structure by separating financial product manufacturing and distribution and intensifying competition between traditional financial institutions and fintech companies. Fintech companies innovate by using this tool to create new business models. In December 2019, Korea established a standardized "open banking API platform," sharing an interbank payment network with fintech companies. It has since shown explosive growth, surpassing the trading volume of the UK, the country that introduced open banking APIs for the first time. This study analyzes new business models fintech companies created using this API technology. Based on existing literature, statistics from the platform operator (the Korea Financial Telecommunications and Clearings Institute), and investigations of 30 Korean fintech mobile applications, this study analyzes new fintech business models that provide financial services using this platform. These companies create sustainable business models by combining multiple APIs. Four representative business models (simple funds transfer, simple payment, cross-border remittance, and asset management) are analyzed to reveal how fintech companies create business models with open APIs.

With the continuous advancement of digital transformation, digital payments are playing an increasingly important role in the financial industry. This study aims to utilize machine learning models to predict and analyze digital payment behavior. Initially, the background and significance of digital payments in the financial sector are introduced. Subsequently, the current status and trends of traditional digital payment distribution are reviewed, alongside related work on digital payment behavior prediction. Methodologically, principles and applications of machine learning models such as logistic regression, decision trees, and random forests are elaborated, along with experimental design and data preprocessing methods. The experimental results and discussion section illustrates the performance of each model in digital payment prediction and explores their impact on credit decisions. This exploration equips financial institutions with more effective user behavior analysis and risk management tools, thereby fostering future development and application of digital payment technologies.

This study employs a bibliometric analysis of the emerging trends in the area of Money Laundering for Ter-rorism Financing to provide direction for future research in the area. The authors used VOSviewer and an-alysed 2577 published documents generated from the SCOPUS search using the PRISMA methodology. The findings reveal a growing research interest in this area, with a focus on understanding the complex inter-play between money laundering and terrorism financing. Emerging trends such as the use of cryptocurren-cies, trade-based money laundering, and the role of non-profit organizations in facilitating these activities are highlighted. The research contributes to the broader understanding of money laundering for terrorist financing by providing insights into the evolving research landscape and identifying areas for future re-search.

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.

This study focuses on the creation and implementation of a platform to improve personal financial management for scholarship students of the National Program of Scholarships and Educational Credit (Pronabec) in Peru. Using a mixed methodology that combines qualitative and quantitative techniques, the effectiveness and user satisfaction with the platform were evaluated. The results indicated that 50\% of users found the tool useful, 55\% considered it easy to use, 70\% reported a positive impact on their personal budget planning, and 85\% expressed high overall satisfaction. In addition to providing tools for financial recording and analysis, the platform promotes financial education among its users, significantly contributing to improving their financial management skills.

This paper systematically discusses the application and development of federated learning in data privacy protection and data value sharing. With the rapid development of global information technology, especially the explosive growth of data from Internet of Things devices, data security and privacy protection are facing unprecedented challenges. This paper first analyzes the growth trend of global data volume and its importance to next generation technologies such as artificial intelligence technologies such as deep learning. Second, the paper provides an in-depth look at the impact of current data privacy regulations on data flows and value creation, particularly the EU's GDPR and China's Data Security and Personal Information Protection Law. Then, this paper introduces in detail federated learning, as a new distributed machine learning paradigm, which effectively solves the contradiction between existing data sharing and privacy protection by protecting individual data privacy and realizing global model collaborative construction. Finally, this paper discusses the combination of blockchain technology and federated learning, and proposes BeFL architecture as a new secure, decentralized and trusted federated learning system, which is expected to provide a comprehensive solution for large-scale data processing and value creation in multi-party scenarios. The research in this paper not only deepens the understanding of federation learning in theory, but also provides important reference and enlightenment for future research and application in related fields.

Purpose: To evaluate prognostic factors for visual outcome in patients with diabetes who have undergone vitrectomy (PPV) for severe proliferative diabetic vitreo-retinopathy (PDVR) in at least one eye in the past 15 years. Methods: Medical records of 132 eyes of 66 patients were analyzed (median age 52ys 21-80; patients with type 1/2 diabetes 40/26, median follow-up 38 months 9-125). Correlation between final good visual outcome defined as 0.5≤ best corrected visual acuity (BCVA) and prognostic factors (age, sex, type and duration of diabetes, metabolic status, BCVA, diabetic retinopathy status, data of preoperative management, data of vitrectomy, postoperative complications) were analyzed. Results: BCVA improved significantly in the entire study cohort (from median 0.05 min-max 0.001-1 to 0.32 0.001-1, p <0.000). Visual stabilization was achieved in the majority of patients, and relatively good visual acuity (0.5≤BCVA) was maintained in more than one third of eyes. Multivariable GEE statistics showed that in addition to duration of diabetes and stable HbA1c values, only preoperative tractional macular detachment proved to be an independent significant predictor of visual outcome. Conclusions: Pars plana vitrectomy is a useful tool when performed early before tractional macular detachment. However, long-term visual stability can only be achieved with good metabolic control.

This paper presents a comprehensive study on applying machine learning (ML) techniques for real-time credit card fraud detection. With the increasing prevalence of credit card fraud, financial institutions face the challenge of detecting fraudulent transactions promptly and accurately. This research evaluates various ML models, including Logistic Regression, Decision Trees, Random Forests, XGBoost, and Deep Convolutional Neural Networks, for their effectiveness in identifying fraudulent activities. Utilizing PySpark for processing large-scale transaction data, the study highlights the importance of real-time analysis, adaptive learning, and handling imbalanced datasets. Key findings reveal that XgBoost, with its balance of accuracy and complexity, emerged as the most promising model, achieving an accuracy rate of 98% in detecting fraudulent transactions. The paper further discusses the potential of ensemble methods, graph-powered systems, and intelligent sampling in enhancing fraud detection capabilities. Challenges such as overfitting, data access, and the need for real-time analysis are addressed. Future research directions include implementing models in live transaction environments, expanding model applicability across financial platforms, and developing advanced anomaly detection methodologies. This study underscores the pivotal role of machine learning in safeguarding financial transactions against fraud, offering significant implications for consumers, financial institutions, and the broader financial ecosystem.

Inflammation and insulin resistance are recognized as central features in the pathology of psoriasis, profoundly affecting the lives of those affected by this condition. The relationship between lifestyle choices and psoriasis is well-documented, highlighting the potential benefits of dietary modifications and physical activity in managing the condition during exacerbations. Furthermore, growing evidence emphasizes the significant impact of nutritional interventions on various skin disorders, particularly those characterized by inflammation and insulin dysregulation. Notably, the role of dietary fats is of particular interest, with their influence on inflammation and insulin resistance in psoriasis garnering increasing attention. Moreover, the association between excessive adiposity and heightened psoriatic severity underscores the importance of weight management strategies in disease management. This review explores the intricate relationship between specific dietary fats and inflammation in psoriasis, offering a comprehensive analysis of their implications for disease progression and management.

This paper explores the application of machine learning in financial time series analysis, focusing on predicting trends in financial enterprise stocks and economic data. It begins by distinguishing stocks from stocks and elucidates risk management strategies in the stock market. Traditional statistical methods such as ARIMA and exponential smoothing are discussed in terms of their advantages and limitations in economic forecasting. Subsequently, the effectiveness of machine learning techniques, particularly LSTM and CNN-BiLSTM hybrid models, in financial market prediction is detailed, highlighting their capability to capture nonlinear patterns in dynamic markets. The study demonstrates the advancements in predictive accuracy and robustness achieved by deep learning methods through empirical analysis and model validation. The findings contribute significantly to academic discourse and offer practical insights for investors, financial analysts, and policymakers navigating market volatility and optimizing investment strategies. Finally, the paper outlines prospects for machine learning in financial forecasting, laying a theoretical foundation and methodological framework for achieving more precise and reliable economic predictions.

This study investigates the role of sustainable inventory management within supply chains, exploring strategies, benefits, challenges, and implications for organizations. Through qualitative research involving semi-structured interviews with supply chain professionals from diverse industries, key themes emerged. Sustainable practices such as green logistics, waste minimization, and ethical sourcing were identified as critical strategies to reduce environmental impact and enhance operational efficiency. Technological advancements, including AI, IoT, and blockchain, facilitate real-time monitoring, predictive analytics, and transparency, supporting data-driven decision-making in inventory management. Benefits include cost reduction, improved brand reputation, regulatory compliance, and risk mitigation, positioning organizations favorably in a competitive landscape shaped by environmental regulations and consumer expectations. Challenges such as cost constraints, regulatory complexities, and organizational inertia necessitate strategic investments, collaborative efforts, and leadership commitment to overcome. The study underscores the importance of integrating environmental, social, and economic considerations into supply chain practices to foster sustainability and resilience. Looking forward, the study advocates for a holistic approach to sustainable supply chain management, emphasizing innovation, stakeholder engagement, and capacity building. By aligning organizational values with societal expectations and regulatory frameworks, businesses can navigate complexities, drive positive environmental and social impacts, and achieve sustainable growth. This research contributes insights into current practices and future directions for sustainable inventory management, informing strategies that balance profitability with environmental stewardship and societal responsibility.

This article comprehensively explores multiple aspects of cryptocurrencies and their price forecasting. Firstly, the article introduces the definition of cryptocurrency and its development process on a global scale, especially focusing on the launch of Facebook Libra and China's central bank digital currency, highlighting the importance and influence of digital currency in the global financial market. Subsequently, the article analyzes the advantages of digital currencies over traditional currencies, including improving economic transaction efficiency, reducing transaction costs and enhancing transaction transparency. Meanwhile, the article also explores the challenges and risks potentially brought by the development of digital currencies, such as regulatory uncertainty and market volatility. In this context, the article raises the importance of cryptocurrency price forecasting and introduces the forecasting models and techniques commonly used today. Finally, through specific experimental analysis, the effectiveness of using the deep learning model CNN-LSTM to predict the price of Bitcoin is demonstrated, and the directions of future research and optimization strategy are proposed. In summary, this paper comprehensively presents the research status and prospects of cryptocurrency and its price prediction field through systematic introduction and analysis.

Tourism Geographers in Anglo-American geographical departments migrate to teach and research tourism in applied schools and departments such as business, resource and environment, and even cultural and creative industry. Under national research assessment and funding pressures, tourism geographers are not encouraged to keep on undertaking serious theoretical researches related to their mother discipline and transferred to research applied researches and publish in hybrid journals. Such changes in tourism geographers` research behavior have not been tested and reported in Asian academic contexts, especially Taiwan while frequently being discussed internationally. This research aims to investigate the differences in the research behavior of tourism geographers between those who are staffed in geography departments and those who migrate to applies departments such as tourism and recreation, resource and environment, and others in terms of publishing journals, paradigmatic approaches, research types(qualitative, quantitative, and mixed), research methods and geographical scales conducted based on content analysis of articles published by tourism geographers in geography and tourism and recreation departments. This study revealed that there are significant differences in the research behavior of tourism geographers between different department. Finally, this paper explains the differences in terms of Taiwan changing social and economic conditions, academic traditions and politics of geography and applied departments, research habits and preferences of tourism geographers among departments and other aspects. This study can help international tourism geography academic circles to understand the complexity and diversity of tourism geography academic landscape of the Chinese language.

There has been rampant fold-ups, merger and acquisitions occurring in the Ghanaian banking industry. Then, the questions arise: Is the Ghanaian Financial System in Crisis? This study was conducted to find answers to these problems unsolved with prior literature. A sample of seventy customers of the Royal Bank, 8 employees of the Royal Bank and 2 managers of the Royal Bank were selected for a case-survey. The study also monitored the Trend of the Ghanaian Financial System through the reading and monitoring of daily news on the Financial System and reports of banks. The data from the field and the secondary data from news and reports were analysed symmetrically. The study drew on Minsky’s Financial Crisis Theory to explain the phenomenon in the Ghanaian economy and to draw predictions of what would happen in other developing economies. The study found out that: (1) The Ghanaian financial system is fragile and it holds true for most developing economies; (2) The financial system suffers greatly when the confidence level of customers falls significantly; (3) Management information systems raises the confidence level of customers (borrowers and lenders) such that there is a greater fall and impact in times of instability in the economy; (4) The higher the level of MIS adoption in an unstable economy, the more fragile the Financial System becomes and (5) A higher adoption of Management Information Systems in a Fragile Financial System indirectly contributes to Financial Crisis of the Financial System.

This paper draws upon the theory of turbulence in physics to explore the similarities and differences between volatility in financial markets and turbulent phenomena at a statistical physics level. By analogizing the dynamics of financial markets with fluid turbulence, we have developed an innovative analytical framework aimed at deepening the understanding of the complexity inherent in financial markets. Our research methodology includes a comparative analysis of simulated time series data for the Standard & Poor's 500 Index and fully developed turbulent velocity time series. We focus on the similarities in key statistical physical properties, including probability distributions, correlation structures, and power spectral densities. Furthermore, we have established a model of capital flow in financial markets and proposed corresponding solutions. Through computational simulations and data analysis, we find that while financial market volatility shares some statistical characteristics with turbulent phenomena, significant differences exist in the shapes of probability distributions and the temporal scales of correlations. This suggests that although financial markets exhibit patterns akin to turbulence, the behavior of this complex, multi-variable driven system does not completely correspond to natural turbulence, highlighting the limitations of directly applying turbulence theory to financial market analysis. Our study offers a new perspective for the theories of financial markets and the field of econophysics, providing fresh insights into the complexity of financial markets and contributing to the prevention and management of financial risk.

The COVID-19 pandemic and the Movement Control Order (MCO) have had a negative impact on the financial well-being of low-income families in urban areas. The study involved respondents living in the Public Housing Project (PPR) residential areas in Kuala Lumpur – the capital of Malaysia. The key finding is the financial well-being of low-income urban families was negatively impacted due to the COVID-19 pandemic and the MCO implementation. Furthermore, the impact on the financial well-being of low-income urban families is significantly difference in terms of types of family, type &amp; sectoral employment, type of home ownership, household monthly income and education level. Reforms to the financial assistance system and community empowerment of low-income urban families are necessary to increase the community's preparedness and resilience in the face of new shocks in the future.

This study discusses the application of reinforcement learning (RL) in financial asset risk assessment, especially how to improve the ability of risk prediction and asset portfolio optimization through deep reinforcement learning (DRL) model. Traditional financial risk assessment methods are often unable to effectively cope with the dynamic changes and complexities of the financial market, but RL technology provides innovative solutions for modern financial risk management by means of real-time adjustment and adaptation mechanism. This paper experimentally verifies the advantages of DRL models in improving forecasting accuracy and risk management efficiency and discusses the potential impact of AI technology in the financial sector. The findings show that despite challenges such as data quality and model interpretation, the application of AI technology provides financial institutions with more precise and flexible risk management tools, driving further development of fintech.

Motivated by South Africa's need in the transition to a net-zero economy; this study 10 investigates the integration of renewable energy sources (RES) into oil refineries, considering 11 therein unique challenges and opportunities. The research focuses on optimizing RES allocation 12 using Particle Swarm Optimization (PSO), a data-driven approach that adapts to real-time 13 operational conditions. Traditional energy management systems often struggle with the inherent 14variability of RES, leading to suboptimal energy distribution and increased emissions. Therefore, 15 this study proposes a PSO-based renewable energy allocation strategy specifically designed for oil 16 refineries. It considers factors like the levelized cost of energy, geographical location, and available 17 technology. The methodology involves formulating the optimization problem, developing a PSO 18 model, and implementing it in a simulated oil refinery environment. The results demonstrate 19 significant convergence of the PSO algorithm, leading to an optimal configuration for integrating 20 RES and achieving cost reductions and sustainability goals. The optimization result of 4,457,527.00 21 Rand achieved by iterations is much better than the result of 4,829,638.88 Rand acquired using 22Linear Programming as the baseline model. The mean cost, indicating consistent performance, has 23 remained at its original value of 4,457,527.00 Rand, highlighting the convergence. Key findings 24 include the average distance measure decreasing from 4.2 to 3.4, indicating particle convergence; 25 swarm diameter decreasing from 4.7 to 3.8, showing swarm concentration on promising solutions; 26 average velocity decreasing from 7.8 to 4.25, demonstrating refined particle movement; and the 27 optimum cost function achieved at 4,457,527 Rand with zero standard deviation, highlighting 28 stability and optimal solution identification. This research offers a valuable solution for oil 29 refineries seeking to integrate RES effectively, contributing to South Africa's transition to a 30sustainable energy future.

Accurate forecasting and efficient management of commodities are crucial for stakeholders in the industry, given the volatile nature of these markets. This study addresses these needs by leveraging advanced forecasting techniques and machine learning models to predict prices and enhance supply chain efficiency. TThe focus is on utilizing ARIMA, SARIMAX, and LSTM models to analyze historical trading data for commodities such as cocoa, coffee, and sugar sourced from Kaggle’s comprehensive dataset. The research applies ARIMA and SARIMAX models to forecast price trends, overcoming initial challenges related to data index frequency and seasonality. LSTM models are employed for more nuanced demand forecasting, particularly for random-length lumber, demonstrating the model's capability to predict future market trends accurately. The study highlights significant improvements in prediction accuracy and supply chain management through meticulous feature engineering and model optimization, offering valuable insights for strategic decision-making in the supply chain sector.

In today’s fast-paced technological landscape, businesses must adapt to evolving business models and harness the power of data to thrive. Small and Medium-sized Enterprises (SMEs) face significant challenges in aligning IT infrastructure with business objectives while navigating digital transformation. This systematic review, conducted using PRISMA 2020 guidelines, investigates the role of Enterprise Architecture (EA) and Information Management (IM) in driving IT growth and sustaining competitive performance in SMEs. Through a synthesis of academic research, industry analysis, and case studies from the last decade, this review identifies key frameworks—such as TOGAF, Zachman, and FEAF—that support the alignment of IT capabilities with organizational goals. The integration of IM within EA frameworks is found to enhance decision-making, resource allocation, and operational efficiency. Emerging technologies like Artificial Intelligence (AI) and cloud computing are highlighted for their transformative impact, enabling real-time data analysis, improved scalability, and enhanced agility. Our review reports that 43.44% of the studies focused on cloud-based solutions, while 24.59% adopted hybrid models, offering SMEs scalable and flexible IT infrastructures. The findings emphasize the necessity of strong governance frameworks to ensure compliance, adaptability, and long-term sustainability in a dynamic environment. This research contributes to a comprehensive roadmap for SMEs, enabling them to leverage EA and IM for sustained growth and competitive advantage in the digital era.

The modern world is gradually moving towards a global civilisation that is automated and propelled by technology. Artificial intelligence (AI) is a highly advanced technology that has been acknowledged as a major innovation. The incorporation of this technology into the banking sector has enhanced operational procedures in relation to customer satisfaction, virtual assistance, and risk reduction. This machine is employed to streamline activities and improve how decisions are made in this sector. This study investigates the potential benefits and challenges of implementing artificial intelligence in the banking sector. The methodology ensures a comprehensive understanding of the implementation of artificial intelligence in banking by showcasing its effectiveness, precision, and efficiency, as well as the opportunities it presents. The study data were collected from secondary sources, such as recent publications that demonstrate applications of artificial intelligence from five different banks, as well as the examination of industry reports. The main findings of this study demonstrate the substantial improvement of administrative operations through AI-driven technology, which effectively automates activities that include inputting data and handling information. As a result, the frequency of mistakes caused by people has reduced, leading to a 30% decrease in operational expenditures for all evaluated institutions. However, the banking industry admits the challenges it encounters, such as issues with confidentiality and a scarcity of skilled employees. In the financial services industry, the integration of artificial intelligence into the banking sector is perceived as an advantageous chance instead of a harmful danger, with a greater potential for beneficial impact.

In the domain of financial trading, where accuracy and swift response to data discrep- ancies are paramount for maintaining clienttrust, our research paper delves into the development of a real-time alert system utilizing SpringBoot, a framework renowned for its robustness and adaptability in enterprise applications. We embark on a comprehensive journey, beginning with addressing thefoundational challenges inherent in monitoring trade inquiries - the necessity for real-time processing, unwavering data accuracy,and ensuring unwavering system reliability. The study then methodically transitions to the architectural design, where we explore howSpringBoot’s capabilities are optimally utilized to meet these challenges. Following this, we delve into the im- -plementationphase, detailing the strategic selection of compatible technologies and methods for effective data management and discrepancydetection. The paper culminates in a thorough evalu- ation of the system, where we assess performance across various operationalscenarios, scrutinize the accuracy of the discrepancy detection mechanisms, and integrate real-world feedback from users in thetrading sector. This holistic approach not only highlights the versatility and efficiency of SpringBoot in creating reliable alert systems in the high-stakes world of financial trading but also serves as a detailed guide for similar endeavors in this field

The healthcare system is intricate and dynamic. For the purpose of organising and planning a system, where allocating funds appropriately is essential and therefore managerial skills play a critical role. A certain portion of each nation's GDP is allotted to the health sectors. Managers and decision-makers in the healthcare systems are using resources effectively, yet the quantity of funding they receive from the government or other stakeholders is insufficient sometimes. A sound understanding of both basic and advanced economics is necessary for the care management, to make cost-effective judgements in public health. Healthcare officials at all levels (regional, state, federal, or international), need to be knowledgeable about public health issues and the related modern economic climates. Business executives and healthcare managers need effective practical knowledge to handle partner-financial allocation (demand-supply chain) and handle economic volatility.

Pakistan is an agricultural country, and an exporter of crops in many countries. The crop production is an important factor to earn revenue for the country. But the agriculture of Pakistan is still not revolutionized and no modern system has been deployed commonly. Whereas the farmers face difficulty in growing some crops because those crops needs more care and calculated steps. Moreover the farmers face difficulty at different stages of the crop growth like to check fertility of soil and if the soil is non-fertile then which chemical property is lacking. The objective of this research is to provide digitize the agriculture of Pakistan. An emerging technology IoT and Deep learning based system will be developed. The IoT part contains some devices like sensors,gateways and communication technologies whereas the software part consists of Deep learning models that can make predictions about the fertility of the soil. The motive of this system is to provide best results in term of accuracy. Whereas the dataset used is publicly available on kaggle but it was of non-fertile values, so data augmentation is also performed to generate data for fertile values. We have implemented LSTM,RNN,CNN among them LSTM performed best for the prediction of soil fertility.

For several years, commercial banks in Poland have been reporting activities related to the impact on the environment, society, and corporate governance (ESG). However, only new guidelines, mandatory for many entities, including banks, will allow for comparing these reports, which will be of great importance mainly for investors. The forms of these reports were and still are different, difficult to compare in individual years, and difficult to compare between banks. The article aims to present the banks' preparation for the new reporting rules based on the latest ESG reports. The research was conducted in 4 groups of commercial banks operating in Poland, which are the largest companies listed in the WIG Banks sub-index of the Warsaw Stock Exchange. Gaps in the preparation of these banks for non-financial reporting were identified. The non-financial reports of the banks studied have significant information potential that can be used by various stakeholder groups, including investors, customers, employees, regulators, and local communities. However, the comparability of ESG reports is one of the key challenges faced by both reporting banks and users of these reports. The research results can be used both in scientific works and by bank representatives to improve non-financial reports.

Diabetic foot is a serious complication that poses significant risks for diabetic people. The resulting reduction in protective sensitivity in the plantar region requires early detection to prevent the imminent ulceration and amputation. The primary method employed for evaluating this sensitivity loss is the 10 g f Semmes-Weinstein monofilament test, commonly used as a first-line procedure. However, the lack of calibration in existing devices often introduces decision errors due to unreliable feedback. In this paper, a new equipment designed to address these limitations and enhance the assessment of the sensitivity loss using the 10 g f monofilament is introduced. The proposed system automates metrological verification and evaluation processes, ensuring accurate and reliable results. Furthermore, it simulates the practitioner’s procedure, serving both as a valuable training tool and a means to provide force-feedback information. An analytical model of the monofilament buckling and deflection is also presented. The obtained results showed that the tested monofilaments had a very high error compared to the 10 g f declared by the manufacturers. It is aimed, by introducing this advanced equipment, to improve the precision and reliability of assessing the sensitivity loss. The integration of automated verification, simulation capabilities, and precise measurements shows great promise for diabetic patients, reducing the likelihood of adverse outcomes such as ulceration and amputation.

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.

Consumer protection in the financial market has several dimensions. From a formal point of view, consumer rights are guaranteed by law. Market asymmetries are eliminated through the obligation to provide consumers with complete and objective information about financial products and services, honest marketing communication and professional sales practices. Programs are implemented in schools and the media to promote knowledge and responsible use of financial products and services. Despite the efforts made, the number of incorrect and suboptimal financial decisions is so high that the risk of households falling into excessive debt remains significant. The limited effectiveness of the law led to the claim that only effective education can reduce the risk of suboptimal financial decisions. Unfortunately, the efforts made in this area are not fully satisfactory. The aim of the article is to review scientific research on the financial knowledge of consumers in Central Europe and compare it to the results of a study conducted in Poland in January 2024. The results of the analysis could indicate the direction of further research on the possibilities of eliminating suboptimal financial decisions of consumers without limiting - for their better protection - access to financial products.

Establishing systemic communications between the project plan, stakeholders, and the organization through integrated management meets stakeholders' demands and managerial expectations in project-oriented organizations. Performance assessment can be defined as a control system in any company that reviews its daily operations and evaluates how well it has achieved its goals. This study aims to investigate the impact of an integrated project management system on the financial performance of the Organization for Renovation, Development, and Equipment of Schools. This applied research is descriptive-analytical. The statistical population comprises 2,700 employees of the organization, with a sample size of 340 individuals examined. The reliability of the designed questionnaire was confirmed by experts in the organization using Cronbach's alpha (α=0.91). Data were analyzed using SPSS version 20 and AMOS 18 software through descriptive statistics and confirmatory factor analysis. The results indicate that the seven dimensions of the integrated project management system (cost management, quality management and continuous control, change management, systems and information management, human resources management, interaction and communication management, procurement management) have a positive and significant impact on the financial performance of the Organization for Renovation, Development, and Equipment of Schools.

This study investigates the complex role of financial risks in the context of public–private partnerships (PPPs) in India and their relationship to the amount and extent of investments made by private partners (s). We hypothesize that subsidies, bid criteria, and risk have a positive relationship with investments made by private partners. A project’s leverage moderates these relationships. Regression was used to analyze the hypotheses using SPSS 24 and PROCESS Macro. Data from the World Bank were collected from 2009 to 2019 for the study variables. Interestingly, our research finds support for these relationships that may seem contrary to some commonly-held notions of risk relationships, such as – the government using ‘viability gap’ funding to attract private investment and ‘leverage’ does not moderate the relationship between risk assumed and private investment. This study is among the first to recognize and elaborate on financial risk relationships, specifically in the context of Indian PPPs. These findings are significant for both private and public participants in terms of financial considerations in PPP projects, especially in emerging markets.

The energy transition is a complicated process that involves changing production and consumption habits, boosting the use of renewable energy sources, and reducing greenhouse gas emissions. This article examines the management of risks associated with this shift, focusing on investment, commercial, technological, regulatory, and environmental challenges. The paper proposes an effective way for dealing with new difficulties by assessing risks and the management techniques that accompany them. Furthermore, as a critical component of the energy revolution, the concept of Nearly Zero Energy Buildings (NZEB) is given, with a focus on the ambitions of INGV – Irpina Headquarters and the EU regulatory framework. Finally, the actions and methods employed to achieve the NZEB objectives are discussed, including the utilization of cutting-edge technologies and renewable energy sources. Furthermore, the concept of Nearly Zero Energy Buildings (NZEB) is introduced as an important component of the energy transition, with an emphasis on the European regulatory framework and the ambitions of the INGV – Irpina Headquarters. Finally, the interventions and techniques employed to achieve the NZEB targets are highlighted, such as the employment of advanced technologies and renewable energy resources. This study contributes significantly to understanding the processes and issues associated with the energy transition and the implementation of NZEB, hence boosting sustainability in the construction sector.

Artificial intelligence (AI) shows great potential in medical diagnosis and drug analysis. Through deep learning technology, AI can automatically extract features from large amounts of complex medical data, significantly improving diagnostic accuracy and drug development efficiency. Especially in drug target discovery and antiviral peptide classification, AI technology can accelerate data processing and prediction, helping researchers identify potential therapeutic molecules more quickly and optimize the drug development process. This study proposes and validates a Deep learn-based model, deep-Avpiden, to improve the classification and discovery efficiency of antiviral peptides (AVPs). By using sequential convolutional networks (TCNs), the model outperforms traditional recurrent neural networks (RNNs) and long short-term memory networks (LSTMs) in capturing long-term dependencies and parallel computing capabilities. In terms of dataset, we used AVPs and non-AVPS samples from multiple databases, totaling 5,414 cleaned and de-weighted peptide sequences for model training after data preprocessing and embedding. The Deep-AVPiden model has been shown to outperform existing advanced classifiers in experiments, and its effectiveness has been verified by accuracy, precision, recall rate, and area under the ROC curve (OC-ROC). In addition, to accommodate computing resource constraints, we propose an optimized version of Deep-AvPIDen (DS), which utilizes Deep separation convolution technology to significantly reduce computing resource consumption. Through the online application platform, researchers can efficiently classify antiviral proteins and discover new AVPs. Future research could further optimize the model's computational efficiency, handle larger data sets, and expand its potential for biomedical problems such as drug combination prediction and new drug discovery.

Background:Tourette syndrome (TS) is a characterized by motor and vocal tics, often accompanied by obsessive-compulsive disorder (OCD) and attention-deficit/hyperactivity disorder (ADHD). Cannabis-based medicines (CBM) present a promising avenue for future therapeutic intervention owing to their interaction with the endocannabinoid system, potentially mitigating tics and associated symptoms. Unlike conventional treatments such as antipsychotics, CBM exhibits improved tolerability and reduced side effects. While the available evidence is still limited, ongoing research underscores the potential of CBM to enhance the quality of life for patients, establishing it as a pivotal area for future therapeutic advancements in TS. Aim: In our systematic review and meta-analysis, we aim to assess the effectiveness of cannabis-based medicine (CBM) in the treatment of Tourette Syndrome. Methods: We searched in electronic databases (PubMed, Google Scholar, Science Direct, Cochrane Collaboration Database of Randomized Trials) was performed to identify cohort studies and randomized controlled trials (RCTs) up to 18th June 2024. Data extraction focused on baseline characteristics of the included studies and efficacy outcomes, including scores on the Yale Global Tic Severity Scale (YGTSS) and Premonitory Urge for Tics Scale (PUTS). We conducted the meta-analysis using Review Manager version 5.4. software. We compared the measurements before and after CBM intake using mean difference (MD) and 95% confidence interval (CI). Result: In total, 1105 articles were identified for screening, with eight studies included in the systematic review and seven in the meta-analysis. These studies involved 306 adult patients with TS treated with cannabis. YGTSS revealed a significant reduction in total scores (MD = -13.29, 95% CI [-21.67 to -4.91], P = 0.002) and PUTS revealed a significant decrease in scores (MD = -4.09, 95% CI [-7.24 to -0.93], P = 0.01). Conclusion: The research emphasizes the potential of cannabis-based medication in alleviating tics and premonitory urges associated with Tourette syndrome. While the initial results are promising, they are based on limited-scale studies. It is imperative to conduct larger, placebo-controlled trials encompassing diverse demographic groups to substantiate the effectiveness, ensure safety, and optimize dosages for long-term therapeutic advantages.

The distribution of zakat, which is still carried out directly through mosques or zakat amil bodies, can hinder the payment process due to inaccurate calculations and difficulties in finding zakat amil institutions. In the digital era, information technology is very important in the management of zakat, alms, and infaq. Therefore, a zakat information management system was created. The e-Zakat program, developed using the waterfall method, plays an important role in five main aspects of zakat management: muzaki and mustahiq data collection, zakat collection, zakat distribution, mustahiq development, and reporting. The use of information technology in this program is expected to increase efficiency, accountability, transparency, as well as the reach of zakat and muzaki involvement.

The rapid emergence of Decentralized Finance (DeFi), driven by blockchain technology and smart contracts, is transforming the landscape of the financial industry by enabling peer-to-peer financial services without traditional intermediaries. This paper examines the impact of DeFi on traditional banking systems, focusing on the opportunities, challenges, and future directions of this revolutionary financial model. We explore how DeFi disrupts traditional financial intermediation by offering faster, cheaper, and more transparent financial services, potentially reducing the dominance of conventional banks. The study addresses critical issues such as regulatory challenges, including compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements, and the importance of consumer protection in a decentralized environment. We also investigate collaboration opportunities between traditional banks and DeFi platforms, which could lead to innovative financial products and services. To provide a comprehensive analysis, the paper employs a mixed-method approach, combining a review of recent literature, empirical data, case studies, and expert interviews. The findings highlight significant gaps in current regulatory frameworks and emphasize the need for a balanced approach that fosters innovation while ensuring financial stability and consumer safety. This study concludes by offering recommendations for policymakers, financial institutions, and DeFi developers to harness the potential of DeFi while addressing its inherent risks, paving the way for the sustainable growth of decentralized finance in the broader financial ecosystem.

Low dropout (LDO) regulators are widely used in portable electronic devices because they 1 occupy small chip and printed circuit board (PCB) areas. This work presents the design of a low 2 noise low dropout (LDO) linear voltage regulator using folded cascode operational amplifier and 3 source follower buffer for frequency compensation. The proposed design achieves low output noise 4 with feedback loops, which makes it possible to improve load and line regulations as well as the 5 transient response for voltage applications in comparison with the literature. The designed LDO 6 linear regulator works under the input voltage of 2.8-4.8 V and provides up to 100 mA load current 7 for an output voltage of 2.6 V. 8 9 Moreover, the operational amplifier design contributes to the major reduction in the frequency 10 noise, and make sure the stability of LDO under different conditions. Furthermore, the novel LDO 11 design topology has very less dropout voltage, fast transient response and minimized power dissi- 12 pation under maximum load current, worst process corner, and maximum temperature to achieve 13 high power efficiency, maintain output voltage in the presence of fast load changes, and to lower the 14 power loss across the pass element especially at high load. Design criteria are addressed in detail. 15 16 This LDO topology is able to achieve ultra-low noise i.e. 2 /muv/√Hz for frequency >1kHz. The 17 proposed LDO is implemented in the cadence virtuoso H9A with CMOS 130 μm technology.

This report provides a comprehensive analysis of portfolio risk management using Value at Risk (VaR) for a banking sector investment portfolio. We evaluate a portfolio composed of SBI, HDFC, Axis Bank, and ICICI Bank, using historical data from July 1, 2023, to June 30, 2024. The report covers the calculation of VaR, portfolio variance, and standard deviation, highlighting the impact of different weightage adjustments on the portfolio’s risk profile. Two scenarios—one with increased weightage in SBI and another with increased weightage in HDFC—demonstrate how changes in asset allocation affect potential losses. The findings emphasize the importance of strategic asset allocation for both speculators and hedgers. Speculators are advised to focus on high volatility and market trends, while hedgers should prioritize stability and risk management. This analysis aids investors in making informed decisions to balance risk and return in their banking sector investments.

This paper presents a comprehensive analysis of the financial factors and risk management strategies essential for optimizing disaster resilience within the Serbian defence industry's critical infrastructure. The significance of this sector is multi-faceted, impacting national security, economic stability, and technological advancement. Primarily, the Serbian defence industry ensures the preservation of vital defence interests, maintaining Serbia's independence from foreign sources for weapons and military equipment in both peacetime and wartime. Economically, it is a significant employer of the working-age population, directly affecting local employment rates, fostering economic development, and ensuring the sustainable growth of this crucial sector. This, in turn, stimulates broader economic activity and enhances social cohesion while strengthening the national balance of payments through increased export potential. From a technological perspective, the defence industry drives scientific, technological, and industrial development, reinforcing Serbia's global political and military standing within the Western Balkans and on the international stage. Consequently, the paper aims to examine the risk management and protection of the Serbian defence industry's critical infrastructure, offering concrete and actionable measures to improve and develop these systems with a particular emphasis on security. The research's utility and contribution lie in identifying similarities and differences in the operational performance of defence industry companies, a vital segment of the national economy. The presentation of these findings focuses on the protection of critical infrastructure. The results will form the basis for further investigation into the underlying causes of business performance and the effective management of critical infrastructure security.

Owners and managers of small and medium-sized enterprises (SMEs) have changed their perspective on risk management due to the current global negative threats in the business environment. If they want to be successful and ensure the financial performance of their business, they must accept a proactive approach to reducing strategic risks in connection with operational risks. The aim of the article is to identify and quantify the differences in operational risk management and its effect on the financial management of SMEs between four Central European countries. The statistical sample of SMEs consisted of 1,090 owners and top managers. Data collection was carried out through a questionnaire in the period December 2022-January 2023. Statistical hypotheses were evaluated with the application of correlation analysis and linear regression modelling. Empirical findings have confirmed that operational risk management has a significant positive impact on improving the profitability of the enterprise; on reducing the enterprise's indebtedness as well as in the context of reducing the enterprise's inability to pay its obligations. However, there are disparities in the perception of this influence between owners/managers with regard to the country in which they carry out their business activities. The findings are important for both national and multinational organizations and entities dealing with risk management in the business environment of small and medium-sized enterprises.

The high costs of cancer treatment and lack of investment in health care are significant obstacles to public health on the African continent. The objective of this study was to estimate the financial cost of treating children suffering from cancer in Africa. We conducted a systematic review and meta-analysis of expert opinions between March 2000 and March 2020. The key search terms included ‘cost’, ‘cancer’ and ‘child’; we selected articles that specifically addressed the financial costs of childhood cancer in African countries. Of the 103 articles found, 18 met the inclusion criteria. Cancer care was a heavy financial burden in most of the countries studied, although costs varied from country to country; the average expenditure on healthcare was US$1017.39 ± US$319.1 per year. In countries without a health insurance system, the highest proportion of cancer care costs, 46.6%, was indirect, whereas in countries with a cancer financing system, the direct cost of treatment was low, 53.4%. The cost of treating childhood cancer is high in Africa in relation to the standard of living of individuals residing in this region.

Nowadays the dynamism induced by the constant change of strategic decisions on the markets produces an extra difficulty in the management of an organization. The strategic decisions made by managers can become obsolete in a short period of time. One of the major difficulties in managing a commercial organization is to predict, with some precision degree, the impact some strategic decisions have on the financial results. Business Intelligence (BI) is an area widely used to help managers to make strategic decisions. But the methods used, behind the scenes, to achieve the conclusions are kept secret by BI company-based services. Modelling the environment can be a good option to study the impact of an action, provided by a strategic decision, in a real environment. A good model should give an approximate result of an action applied to a previous state of the environment. Artificial Neural Networks (ANNs) are proven to be excellent in modeling environments with some level of data noise. The same strategic action can have different results in different organizations. A tool that allows an evaluation of a strategic action applied to an environment should have a major importance in the management scope. Modeling the environment should save time and money for the organization to improve the performance of the strategic plan. If one evaluates the state of the environment after a strategic action being applied, it can be possible to mitigate the risk of failure of the strategic plan. As we will be able to verify, it is possible to use ANNs to model strategic environments that should allow the prediction of sales and operating results by the used strategies with some precision, although the level of success will be directly related with the user’s necessity.

The research objects are the tax and budgetary policies of the Russian Federation. In this research, financial (budgetary) risks are understood as a decrease in the balance of the state (national) budget resulting from a reduction in revenues or an increase in expenditures. This research considers production in the main sectors of the economy as a key factor of financial risk in the COVID-19 pandemic. The research aims to analyze the main directions of the budgetary and tax policy of the Russian Federation aiming at supporting the economy and the population during the spread of COVID-19, which is especially relevant in connection with the expected recession in a number of sectors of the economy and a decrease in the level of employment and, accordingly, the well-being of citizens. In these conditions, it is necessary to adjust the budgetary and tax policy to preserve the state’s social obligations and expand social and economic support for businesses and citizens to smooth out the negative consequences of the impact of restrictive measures. The authors applied systemic and institutional approaches and statistical methods. The main results of the research reflect the need to (1) implement support measures (tax and budgetary incentives) for small and medium-sized enterprises, on which the crisis provoked by the COVID-19 pandemic has had the most destructive impact, and (2) to expand the volume of budgetary financing of social programs for financial risk management of the Russian economy during the COVID-19 pandemics.

Background and Aim: Patients with Type 2-diabetes condition tend to have multiple medications in various dosage which leads to complex medication regimens. Complexity of regimen results in poor adherence, uncontrolled glycemic value and treatment failure. The research aimed to investigate medication regimen complexity index, medication adherence, and impact of medication regimen complexity on glycemic control and medication adherence.Materials and Methods: A Crossectional Study methods was conducted at Bheri Hospital Nepalgunj, among 145 Diabetes patients. Medication adherence was assessed by using a General Medication Adherence Scale (GMAS Nep-Tool). Medication regimen complexity was assessed by using a Medication Regimen Complexity Index (MRCI) tool. Chi-square test, One-way ANOVA, Paired t-test, and binary logistic regression were used for inferential statistics. Results: This study shows that most of the participants were female and aged group 50-59 years. Hypertension was the most common comorbidity, followed by hypothyroidism. The majority of participants exhibited partial adherence 90 (62.1%) to their medication regimen. It was seen that medications prescribed for diabetes were more complex than non-diabetes medications (Mean±SD MRCI: 8.28±3.155 vs. 4.57±2.107). The negative correlation was seen with diabetes MRCI and medication adherence (r=-0.090). There was statistically significant association between diabetes MRCI and glycemic control, (p<0.05). Binary logistic regression revealed that females had lower odds of high MRCI compared to males ( multivariate p-value: 0.014, AOR: 0.403, 95% CI: 0.195-0.832), while sedentary lifestyle showed high Diabetes MRCI (COR: 4.709, 95% CI: 0.962-23.05) and abnormal BMI were associated with higher MRCI (binary p-value: 0.067, COR: 2.30, 95% CI: 0.942-5.65; multivariate p-value: 0.092, AOR: 2.323, 95% CI: 0.878-5.67). Conclusion: Diabetes medications are more complex, reducing adherence and worsening A1C outcomes. Simplifying regimens improves results, with MRCI being valuable for healthcare providers. The medication adherence and therapeutic outcomes can be improved by the improved by the involvement of clinical pharmacist using MRCI.

This study analyzes the convergence between artificial intelligence (AI) and management accounting in hospital contexts. Management accounting plays a central role in the effectiveness of planning, control and decision-making in healthcare institutions such as hospitals. The application of AI in this scenario offers powerful tools to improve accounting processes, optimize operational efficiency and maximize the use of available resources, resulting in an improvement in the quality of care provided to patients. Through in-depth analysis, the article explores how AI is bringing about a revolution in hospital management accounting, presenting case studies illustrating its successful implementation, outlining the tangible benefits.

This study addresses a gap in the literature by conducting a comparative analysis of statistical and artificial intelligence techniques for predicting bankruptcy in small and medium-sized enterprises (SMEs). Using a comprehensive database of 7,104 Belgian SMEs, our findings demonstrate that intelligent techniques offer superior predictive accuracy for bankruptcy. Notably, our results indicate that a firm's position in the global value chain significantly affects prediction accuracy, with lower performance for firms operating upstream in the production process. This suggests that bankruptcy risk may spread upward along the value chain. This insight is particularly valuable for practitioners, as it highlights the importance of focusing on specific performance factors based on the type of firms they manage, advise, or collaborate with.

Corporate Sustainability has garnered increasing attention within the business community, as corporates communicate to influence its stakeholders for building sustainable relationships. There has been a surge in research exploring its connection to firm performance but, existing studies lack a cohesive and concentrated approach. This study employs scientometric and bibliometric methods to analyse scientific production which signals a scarcity of research from developing countries, indicating a need for greater investigation. Focussing on specific subfields of Corporate Sustainability and Firm Performance, we analyze and narrow down the scope of our study to a focussed sample. Employing use of structured methods and PRISMA Protocol, this scientifically rigorous study, points towards identification of research themes linking sustainability practices to firm performance for achieving business excellence. It goes beyond mapping of literature, thereby establishing linkages to Sustainable Development Goals (SDGs). Our analysis reveals clusters centered on Environmental Performance, Firm Performance, Corporate Sustainability Reporting, Corporate Social Performance and Green Supply Chain Management with significant citations related to various SDGs. We make use of time series analysis to determine the future trends of research in the field. This scientometric and bibliometric analysis study contributes to a more focused understanding of the linkages between corporate sustainability and firm performance, emphasizing the need for cohesive research approaches to address the complexities of sustainable business practices and their implications for financial performance and the economy.

Costa Rica, widely acknowledged for its environmental leadership, is now facing a significant challenge in managing waste, a situation that could potentially compromise both its environmental and public health achievements. This analysis delves into the waste management issues in Costa Rica, particularly in urban areas such as San José, responsible for nearly half of the country's waste. The study identifies several pressing concerns, including the heavy burden on landfill capacities, a recycling rate of just 9.6%, and substantial regional differences in waste management practices.To address these challenges, the research employs a combined methodology, utilizing Linear Regression (LR) and AutoRegressive Integrated Moving Average (ARIMA) models to project future trends in CO2e emissions and waste minimization from 2024 to 2050. This method underscores the vital need for public involvement and the introduction of innovative strategies in waste management. The research also introduces a Waste Management Innovation Index to compare Costa Rica’s practices with those of leading nations like Germany and South Korea, identifying key areas for improvement.Furthermore, the study incorporates insights from stakeholders, revealing the intricate balance of cultural, economic, and regulatory factors that shape waste management policies. Despite efforts by the government, such as the Environmental Health Route and the National Circular Economy Strategy, results show limited progress, particularly in rural regions. The study highlights the urgent need for better infrastructure, targeted public awareness campaigns, and the use of advanced technologies like Artificial Intelligence (AI) and blockchain to enhance sustainable waste management practices. The research provides strategic recommendations to help Costa Rica improve its waste management systems in line with international standards, ensuring long-term environmental sustainability and protection of public health.

The efficient and sustainable management of hospitals is an increasingly relevant challenge in the healthcare sector. With limited financial resources, regulatory pressures and increasing demands for quality services, hospitals are faced with the want to approve sound policies to certify financial and operational sustainability. Management accounting is critical in this instance. In Portugal the DL nº 284, of July 26, 1999, allow us to confirm the need to reinforcement of profitability and efficiency in the provision of healthcare. Management accounting is an essential tool for monitoring and controlling costs, making strategic decisions, efficiently allocating resources and evaluating performance in the hospital environment. It allows a comprehensive view of financial and operational aspects, providing valuable information for management and strategic planning. However, the sustainability of hospital management accounting is a critical and complex topic that deserves special attention. Hospitals face several challenges, such as the complexity of hospital costs, the integration of information systems and the measurement of healthcare value. These challenges can compromise the effectiveness of management accounting and its ability to provide relevant and reliable information for decision making. As a result, it is required to address the sustainability of hospital management accounting by identifying the specific challenges faced in this area and exploring opportunities to overcome them. By addressing these challenges and seizing opportunities, hospitals can strengthen their position in the healthcare sector, improve their operational efficiency, optimize resource allocation and ensure the provision of quality services to patients. In this article, the challenges faced by hospital management accounting will be analysed, such as the complexity of costs, the integration of information systems and the measurement of value in healthcare. Additionally, opportunities to improve financial and operational management will be highlighted through the adoption of advanced technologies, an emphasis on value-based management and collaborative partnerships. By exploring these themes, this essay aims to make a contribution. to the advancement of hospital management accounting and the sustainability of hospitals in the current healthcare scenario.

Prior research has extensively examined the relationship between religion and accrual-based earnings management. However, there is currently little research in the relationship between religion and real (non-accrual) earnings management, especially in Europe. This paper aims to fill this research gap and examines whether and how the effect of religion could be linked with firms’ real earnings management activities. Four hypotheses are developed and tested with our results providing indications that the degree of overall religiosity is negatively and significantly associated with real earnings management. Furthermore, when investigating the effects of different religions in Europe, Christianity and Islam have the opposite impact on firms’ real earnings management activities. Overall, our paper indicates that in European countries, the religious environment can mitigate firms’ manipulations on earnings.

Public-private partnership (PPP) is a prominent tool for sustainable infrastructure development. However, the positive contributions of PPPs towards attainment of sustainable, climate resilience and zero carbon infrastructure projects are hampered by poor financial risk management. This problem is more prevalent in developing countries like Ghana where private investment inflow has plummeted due to COVID-19 recession and poor project performance. Thus, this study aims at assessing the key financial risk management strategies in ensuring sustainable PPP infrastructure projects in Ghana. The study utilised primary data from PPP practitioners in Ghana solicited through survey questionnaires. Factor analysis, mean scores and fuzzy synthetic analysis are the data analysis techniques for this study. The results revealed sustainable and green funding models, effective cost reduction initiatives, competent team with committed leadership, and emerging technologies and regulations constitute the key strategies to manage financial risks of sustainable PPP infrastructure projects. Although, future studies must expand the scope of data gathering, the findings of the study enrichen the theoretical understanding of financial risks in sustainable investments in PPP infrastructures. Relevant remedies that will aid the development of practical financial risk management guidelines are provided in this study for PPP practitioners.

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 study examines the effects of working capital management strategies on firm’s financial performance of Indian cement companies using 11-year (2010-2020) financial data of 31 companies listed in Bombay Stock Exchange. It is intended to find out whether the strategies made by finance managers with respect to the components of working capital such as average receivable period, inventory conversion period, average payment period and cash conversion cycle, etc. affects the firm’s performances individually and in total. The results of Pearson’s correlation coefficient and random effect regression model shows that there exists a negative relationship between financial performance measured in terms of return on assets (ROA) and inventory turnover period (ITP) as well as accounts payable period (APP), whereas firm’s performance is not significantly affected by accounts receivable period (ARP) and cash conversion cycle (CCC). Similarly, it has been observed that the liquidity measures such as current ratio (CR) and quick ratio (QR) have a significant positive association with ROA. Moreover, the size of the firms and leverage are inversely related to ROA but the age of the firms is not significantly affecting their financial performances. Hence, it can be concluded that how an organisation designs its working capital strategy do have an impact on its performances.

This paper analyses the COVID-19 crisis and its management, under the Austrian Economics. The attention is focused in the States’ coercive intervention, to evaluate the positive or negative effects of pandemic, according to the Principles of Political Economy and the theory of capital and economic cycles. The paper examines the specific case of massive intervention by governments and, especially, central banks in monetary and financial markets to deal with the pandemic by seeking to lessen its effects. Also, it is offered a critical analysis on simultaneous government policies involving taxes and an increase in public spending which are presented as the panacea and universal remedy for the evils that afflict the society, instead of promoting the transit to Wellbeing Economics. To conclude the review, there is a proposal of paradigm review, in the way to offer a sustainable model.

Stroke is a global leading cause of death and disability. Knowledge of related guidelines is crucial for Emergency Department (ED) staff, influencing early diagnosis and timely treatment. We investigated Greek-Cypriot ED healthcare professionals' (nurses and physicians) knowledge in recognizing and managing stroke. A descriptive cross-sectional study spanned November 2019 to April 2020, encompassing four private and seven public EDs in the Republic of Cyprus. The data were collected through a self-reported questionnaire developed by the research team, consisting of 37 questions. Eight questions focused on sociodemographic and employment characteristics, 28 assessed knowledge in stroke recognition and management (each item was equally weighted without deliberate prioritization), and one question addressed self-assessment of knowledge in stroke care. 255 nurses [Response Rate (RR): 74.1%] and 26 physicians (RR: 47.3%) completed the questionnaire. The average correct response rate was 12.9 out of 28 statements (SD: 4.2), with nurses and physicians scoring 12.6 (SD: 4.1) and 15.7 (SD: 4), respectively. Work experience significantly influenced stroke knowledge, with all groups demonstrating superiority over those with less than one year of experience. Participants with previous training scored an average of 1.45 additional correct answers while educational attainment did not significantly influence stroke knowledge. Investigating stroke knowledge among Emergency Department nurses and physicians in the Republic of Cyprus revealed significant deficits. The study stresses targeted interventions, including, education, yearly examinations, workshops with hands-on training, and repeated training, to address these gaps and enhance the overall stroke care capabilities of the healthcare professionals.

The brain being arguably the most complex organ in the human body, its detailed functioning is yet to be fully deciphered, let alone accurately modeled. Nonetheless, the medical community has gathered quite a remarkable amount of studies about the consequences of illnesses and injuries on its development and functioning. This bibliographic review aims to cover mostly the findings related to the changes in the physical distribution of neurons and their connections - the connectome -, both structural and functional, as well as their modelling. It does not intend to offer an extensive medical description of all injuries and diseases affecting the brain, rather presenting the most common ones succinctly so the need for accurate brain modelling can be fully understood and pondered, offering propositions to this aim.

Abstract This study focuses on the toxicity assessment of various flavonoids, with particular emphasis on Hesperidin. Among the investigated compounds, Hesperidin exhibits notable potential and low toxicity in both short and long-term evaluations. The toxicity parameters for Hesperidin include a low Max. Tolerated Dose (Human) (0.525 log mg/kg/day), indicative of its minimal potential harm to humans. Additionally, its Oral Rat Acute Toxicity (LD50) (2.506 mol/kg) suggests a relatively low acute toxicity level. The Oral Rat Chronic Toxicity (LOAEL) (3.167 log mg/kg_bw/day) signifies a higher dose threshold for observing adverse effects over the long term. Furthermore, Hesperidin demonstrates low Minnow Toxicity (7.131 log mM), suggesting minimal impact on aquatic organisms. Overall, this comprehensive assessment positions Hesperidin as a promising flavonoid with favorable properties and minimal toxicity.

This paper presents MADS (Multi-Agents for Data Science), an innovative and simple open-source multi-agent framework designed for systemic pipeline execution in applied supervised machine learning. By leveraging the capabilities of multi-agent systems (MAS), we introduce a universal approach to optimize and streamline machine learning pipelines. Our framework highlights the differences between various types of agents, such as reinforcement learning (RL) agents and large language model (LLM) agents, and their distinct contributions to the process. While we currently employ LLM agents to automate and enhance machine learning tasks, we acknowledge the potential of incorporating RL agents in future iterations to further improve performance and adaptability. The primary objective is to enhance the efficiency, scalability, and adaptability of supervised learning applications across various domains. This integration addresses the complexity and manual effort typically associated with machine learning workflows, paving the way for more automated, robust, and scalable solutions. Our approach demonstrates significant improvements in task automation, reduced human intervention, and enhanced model performance. The MADS framework, which will soon be available as an open-source implementation, represents a pivotal contribution to the field of machine learning, promising to facilitate broader adoption and collaborative advancement.

: A strong financialtransaction is an important factor in organizational triumph and sustainability, and it is elucidated in the revised student handbook of the University that can be found on page 96 rules 1 to 5. This study assessed the registered students organizations' profile in terms of its type, registration, years of establishment, functions, and designations of student leaders and advisers. The financial practices or internal control system manages their organizational finances and the problems encountered by the student organizations and eventually proposed a manual of operation for students and youth organization's internal control system. This research used the descriptive design with the aid of questionnaire; data gathering through quota sampling from 57 student leaders and advisers of different student organizations of NEUST. Findings showed that most organizations had their constitution and by-laws but kept only as files and renewal requirements. Some provisions were not known to the officers, mostly were registered more than five years in operation; however, in terms of functions of officers and advisers, the results showed that some functions were not done by the officers who supposed to do it like the auditors who serve as treasurers also, the PRO as the record keeper and the presidents who handled finances and collections and as well as disbursements of funds. Generally, the organizations' financial activities were deemed to be "good", especially budgeting and cash receipt, due to the implementation of "no collection and no tuition fee policy". The researchers concluded that the absence of the proper internal control systems and manual of operation and lack of proper transfer of financial records from the previous sets of officers were the serious problems that should be addressed. Moreover, the student organizations' internal control system could still be improved if there is proper training and supervision in accounting operation.

Covariant scalar field quantization, nicknamed $(φ^r)_n$, where $r$ denotes the power of the interaction term and $n=s+1$ where $s$ is the spatial dimension and $1$ adds time. Models such that $r<2n/(n-2)$ can be treated by canonical quantization, while models such that $r>2n/(n-2)$ are trivial, or, if treated as a unit, emerge as `free theories'. Models such as $r=2n/(n-2)$, e.g., $r=n=4$, again using canonical quantization also become `free theories', which must be considered quantum failures. However, there exists a different approach called affine quantization that promotes a different set of classical variables to become the basic quantum operators and it offers different results. It is well-known that the canonical quantization of $\varphi^4_4$ fails. Here is how to fix it along with many other problems.

This comprehensive review delves into gold market business management, covering historical perspectives, market dynamics, mining models, investment strategies, technology, regulations, global trends, and sustainability. Starting with a historical overview, it traces the gold market's evolution and analyzes supply-demand dynamics, price fluctuations, and geopolitical influences. The article scrutinizes gold mining models, evaluating environmental and social responsibilities, and explores financial management strategies, emphasizing risk and gold's role in portfolios. Examining technology's role, it highlights innovations in exploration, mining, and processing for improved efficiency and sustainability. The regulatory landscape analysis encompasses compliance challenges, environmental regulations, and ethical considerations, emphasizing global impacts. Global market trends are explored, identifying potential opportunities and challenges, offering strategic insights. The review concludes by evaluating sustainability practices, emphasizing environmental conservation, community engagement, and ethical sourcing.

Electromobility has gained significant attention in the auto- motive industry, with car manufacturers striving to improve the charging experience for their users. In this study, we compare multiple realistic charging strategies in order to quantify the benefits arising from better planning of charging sessions. We base our evaluation on electricity price data from three regions: Sweden (SE3 region), Germany (DE region), and Denmark (DK2 region). This data is obtained from the ENTSO-E Transparency Platform, covering the two full years 2021 and 2022. We enhance this dataset with commercial price forecasts from the company StormGeo and benchmark it against a naive forecasting method. The primary aim of our work is to compare how the strategies of varying levels of complexity perform across the three different countries in terms of minimizing energy costs for electric car users.

In this work, several random Boolean networks (RBN) are generated and analyzed from two characteristics: their time evolution diagram and their transition diagram. To do this, its randomness is estimated using three metrics, of which algorithmic complexity is the only one capable of revealing both transitions towards the chaotic regime and the algorithmic contribution of certain states to the transition diagram and their relationship with the order they occupy in the temporal evolution of the respective RBN.

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.

Artificial Intelligence (AI) is poised to revolutionize the architectural design and energy management of green buildings, offering significant advancements in sustainability and efficiency. This paper explores the transformative impact of AI on improving energy efficiency and reducing carbon emissions in commercial buildings. By leveraging AI algorithms, architects can optimize building performance through advanced environmental analysis, automation of repetitive tasks, and real-time data-driven decision-making. AI facilitates precise energy consumption forecasting and integration of renewable energy sources, enhancing the overall sustainability of buildings. Our study demonstrates that AI can reduce energy consumption and CO2 emissions by approximately 8% and 19%, respectively, in typical mid-size office buildings by 2050 compared to conventional methods. Further, the combination of AI with energy efficiency policies and low-emission energy production is projected to yield reductions of up to 40% in energy consumption and 90% in CO2 emissions. This paper provides a systematic approach for quantifying AI's benefits across various building types and climate zones, offering valuable insights for decision-makers in the construction industry.

It has been observed that most adult citizens, globally, are not enjoying financial services. They are financially excluded, especially rural dwellers. Monetary authorities initiated financial inclusion, with the aim of including all adult population who are excluded from financial services into the financial system at an affordable cost to meet their basic needs. Studies have shown that it encourages household savings and affects growth positively. Central Bank of Nigeria initiated financial inclusion in 2012 and commenced implementation in 2014. Given the short period of its implementation, this study ascertained the effect on economic growth in Nigeria. The study used time series data ranging from 2004 to 2021. The study covered the pre-inclusion period, through its implementation period. Ordinary Least Square technique was adopted for data estimation. Preliminary and post-estimation tests were also conducted. Despite the short period of the implementation of financial inclusion strategy, the OLS result affirmed that it positively affects economic growth. It was concluded that financial inclusion is a growth driver. It was recommended that Central Bank of Nigeria, in collaboration with commercial banks and microfinance banks, continue to enforce inclusion exercise in all rural communities, ensuring that women, youths, farmers, traders in the informal sector, are captured by the financial system. Also, Central Bank Nigeria should set up financial inclusion compliance committee at the Local Government levels, with a State Monitoring unit to ensure compliance.

Cardiofaciocutaneous (CFC) syndrome, linked to mutations in genes including KRAS, BRAF, MEK1, and MEK2, leads to dysregulated RAS-MAPK signaling with limited therapeutic options. This study utilized molecular docking simulations to screen natural compounds against mutated KRAS, BRAF, MEK1, and MEK2 structures. Promising candidates such as Amentoflavone and Hypericin displayed strong binding affinities and favorable interactions with mutated sites, suggesting their potential as lead molecules for targeted therapies in CFC syndrome. This research offers novel insights into therapeutic interventions for this rare genetic disorder.

This study examines the relationship between Gross Domestic Product (GDP) and income inequality in Greece across three key periods: the pre-crisis period (2003-2008), the crisis and memoranda period (2009-2014), and the post-crisis period (2015-2020). Using data from the World Bank Open Data database, the study employs correlation analysis, and linear regression models to analyze how economic changes influence income distribution. The findings reveal that during the pre-crisis period, economic growth was moderately correlated with increasing inequality, although this relationship was not statistically significant, indicating uneven distribution of growth benefits. In the crisis period, a strong and statistically significant negative relationship between GDP and the Gini coefficient was identified, highlighting the sharp rise in inequality as the economy contracted due to austerity measures. In the post-crisis period, the relationship between GDP and inequality weakened, showing a statistically insignificant correlation, suggesting that economic recovery alone did not significantly reduce inequality. The study concludes that economic growth is insufficient to address income inequality without targeted policy interventions, particularly during periods of crisis. These findings underscore the importance of comprehensive social policies to mitigate inequality and suggest areas for future research on the impact of specific interventions on income distribution.

This study explores the impact of financial inclusions on financial resilience. In doing so, we utilize the World Bank’s data on global financial inclusions. Our study confirms that the respondents with financial accounts are more resilient than those without accounts. The chances of being financially resilient are around 1.4 times higher for the account holders than their counterparts. We find a significant relationship between gender and financial resilience; males are 1.4 times more resilient than females when other covariates are considered in the regression model.

Earnings management and financial distress are two critical facets of financial management in corporations that have lately been the focus of thorough research from both scholars and practitioners. The purpose of the research is to evaluate the influence of financial distress on the earnings management of companies listed at the NSE during the pre- and post-COVID eras. Multiple linear regression was applied in this study to examine the causal association between earnings management and financial distress. To assess the effect of financial distress on earnings management, the study analyzed data from 37 listed companies during the pre-COVID and post-COVID periods. The methodology also takes into account control factors like firm size, GDP, and inflation. The pre-COVID research indicates a significant positive correlation between financial strain and earnings management. In contrast, the correlation between financial distress and earnings management is not statistically significant in the post-COVID analysis. However, research shows that firm size has a statistically significant negative influence on managing earnings. The results of this study show that smaller firms are more inclined to engage in earnings management during the post-COVID era than bigger ones.

We prove through path integral Monte Carlo computer experiments that the affine quantization of the $\varphi_4^4$ scaled Euclidean covariant relativistic scalar field theory is a valid quantum field theory with a well defined continuum limit of the one- and two-point-function. Affine quantization leads to a completely satisfactory quantization of field theories using situations that involve scaled behavior leading to an unexpected, $\hbar^2/\varphi^2$ which arises only in the quantum aspects.

The Semantic-Enhanced Tree-LSTM (SeT-LSTM) network, a novel advancement in the realm of linguistic modeling, marks a significant step forward from traditional Tree-based Long Short Term Memory (LSTM) networks. By intricately weaving in the nuances of typed grammatical dependencies, SeT-LSTMs offer a more nuanced understanding of language semantics. Traditional models often overlook the semantic shift caused by variations in word or phrase roles, a gap this paper aims to fill by focusing on the types of grammatical connections, or typed dependencies, within sentences. Our proposed architecture, dubbed the Semantic Relationship-Guided LSTM (SRG-LSTM), leverages a control mechanism to model the interplay between sequence elements. Additionally, we present a novel Tree-LSTM variant, the Semantic Dependency Tree-LSTM (SDT-LSTM), which integrates dependency parse structures with dependency types for more robust sentence embedding. The SDT-LSTM demonstrates superior performance in Semantic Relatedness Scoring and Sentiment Analysis compared to its predecessors. Qualitatively, it shows resilience to changes in sentence voice and heightened sensitivity to nominal alterations, aligning well with human intuition. This research underlines the pivotal role of grammatical relationships in sentence understanding and paves the way for further exploration in this domain.

Historically, the military and non-religious, sub-continent’s intellectual elite Muslim men crafted state ideologies before partition, by actively contributing to sociocultural constructs prevalent to this day, in service of colonial patriarchal concepts. The purpose of this ideological collaboration has been to mould a Pakistani cis-gendered female child primarily into the ideal “Pakistan-Muslim” bride for marriage, carried out through her family and society. This has shaped the lives of cis-gendered female children in Pakistan through coerced, gendered control, implemented as prescriptive societal norms. These norms are rooted in colonial, patriarchal ideologies and are functions of capital and coercion intentionally perpetuated to erase her pluralistic identity, reducing her to a central resource within a family unit. To the military concept of nationalism, her mind and her body symbolize the unification and centralization of a statist ideology. Thus, the military state plays an essential role in shaping her purpose around the concept of nationalism. The intellectual elite, via the state, uphold colonial, patriarchal ideologies, where the primary identity of a cis-gendered female child is actualized through her marriage. The cis-gendered female child’s life is a vehicle to unify the state’s two-fold “Pakistani-Muslim” agenda, by implementing a ‘singular statist narrative’. A narrative that attempts to resolve two major tensions: First, it seeks to wipe out the possibility of a nation connecting with and exploring its own immense, internal ethnocultural diversity. It does this by imposing an imagined “homogenous Muslim” identity — which doesn’t exist — and is instead imported from multiple countries to reinforce a ‘singular statist narrative’, Second, it aims to control the mixing of local, sociocultural narratives by bridging any disjuncture between them by labelling colonial institutional patriarchy concepts as inherently “Pakistani”; in service of its preferred ‘singular statist narrative’.

Background Obesity is a major healthcare challenge worldwide. Recently, glucagon-like peptide-1 receptor agonists (GLP-1RAs) have emerged as a promising pharmacological option for managing type 2 diabetes mellitus (T2DM) and obesity in diabetic patients. Objective This systematic review aims to evaluate the efficacy and safety of GLP-1RAs in nondiabetic patients. Methods We systematically reviewed 2356 published articles from the past ten years (2013 to November 22, 2023). After rigorous screening, 11 articles were selected for an in-depth review. The analysis focused on the efficacy and safety of GLP-1RAs in nondiabetic patients, considering various baseline characteristics and subgroups. Results The review found that GLP-1RAs, including exenatide, liraglutide, semaglutide, and the dual glucose-dependent insulinotropic polypeptide and glucagon-like peptide-1 receptor agonist (GIP/GLP-1RA) tirzepatide, significantly promoted weight loss in obese/overweight nondiabetic patients. Additionally, these agents positively affected cardiovascular risk factors such as blood pressure, glycemic control, nephropathy, lipid levels, serum insulin levels, and C-reactive protein (CRP) profiles. However, GLP-1RAs, including tirzepatide, were associated with gastrointestinal adverse drug reactions such as nausea, diarrhea, vomiting, and constipation. These adverse events were typically transient, mild-to-moderate in severity, and subsided over time. Conclusion GLP-1RAs are effective and relatively safe for weight management and improving cardiovascular risk factors in nondiabetic patients, despite the occurrence of some gastrointestinal side effects. Further research is warranted to optimize the use of these agents in nondiabetic populations.

The field of financial literacy is intricate and developing. This systematic review of the literature provides a thorough overview of financial literacy. It examines the sample of 3182 papers of the period 1990 to 2023 from different databases such as Scopus, Web of Science, IEEE, Science Direct, and JSTOR and identifies important publications, knowledge gaps, and rising themes. The four major topics that emerged are the degree of financial literacy among various groups of people, gender disparity in financial literacy, the influence of financial literacy on financial behavior and planning, and the impact of financial education on day-to-day decisions. Groups with lower levels of financial literacy include adults, women, people in the lower-income band, rural people, etc. Financial planning and financial behavior are positively associated with financial literacy. Financial literacy could be enhanced with financial education; however, output depends upon program design and experimental group. The review also discusses financial literacy in the context of gender disparity, including its definition, difficulties encountered, and possible solutions. This systematic study will help researchers, practitioners, and policymakers by providing insightful information on financial literacy and its ramifications.

The novel coronavirus disease (COVID-19) pandemic has resulted in over 720 million confirmed cases and 7 million deaths worldwide, with insufficient treatment options. Innumerable efforts are being made around the world for faster identification of therapeutic agents to treat the deadly disease. Postacute sequelae of SARS-CoV-2 infection or COVID-19 (PASC), also called Long COVID, is still being understood and lacks treatment options as well. A growing list of drugs are being suggested by various in silico, in vitro and ex vivo models, however currently only two treatment options are widely used: the RNA-dependent RNA polymerase (RdRp) inhibitor remdesivir, and the main protease inhibitor nirmatrelvir in combination with ritonavir. Computational drug development tools and in silico studies involving molecular docking, molecular dynamics, entropy calculations and pharmacokinetics can be useful to identify new targets to treat COVID-19 and PASC, as shown in this work and our recent paper that identified alendronate as a promising candidate. We have now investigated all bisphosphonates which can bind competitively to nidovirus RdRp-associated nucleotidyl (NiRAN) transferase domain, and systematically down selected seven candidates (CHEMBL608526, CHEMBL196676, CHEMBL164344, CHEMBL4291724, CHEMBL4569308, CHEMBL387132, CHEMBL98211), two of which closely resemble the approved drugs minodronate and zoledronate. This work and our recent paper together provide an in silico mechanistic explanation for alendronate and zoledronate users having dramatically reduced odds of SARS-CoV-2 testing, COVID-19 diagnosis, and COVID-19-related hospitalizations, and indicate that similar observational studies with minodronate could be valuable.

Presence detection is essential in many applications, including smart homes, office automation, and public space management. Traditional technologies like infrared sensors and cameras frequently encounter obstacles due to privacy concerns, high costs, and complexity. The study provides a novel way to detect presence based on Wi-Fi signals and machine learning algorithms, utilizing the ESP8266 microcontroller. The suggested system attempts to reliably detect the presence of people in a given place by evaluating fluctuations in Wi-Fi signal strength and patterns. The theoretical basis of this strategy is investigated, including the ESP8266’s capabilities for Wi-Fi data gathering and the use of machine learning methods for data analysis. The methodology includes data collecting with the ESP8266, preprocessing, feature extraction, and training and evaluating machine learning models. This system’s potential uses include smart home automation, office occupancy tracking, and crowd management in public settings. The paper also discusses potential issues such as signal interference, data privacy concerns, and the limitations of Wi-Fi detection. Future work is also mentioned, including the suggested system’s installation and testing and enhancement proposals to improve accuracy and scalability. This research aims to provide a cost-effective, non-intrusive, and scalable presence detection system by harnessing the power of Wi-Fi signals and machine learning, enhancing intelligent environments

The space exploration landscape has transformed dramatically over the past several decades, with a significant rise in the number of annual launches. Key factors driving this increase include technological advancements, the miniaturization of satellites, and the surge in commercial satellite deployments for communication, Earth observation, and remote sensing. This paper examines the evolution of space activities from the launch of Sputnik 1 in 1957 to recent developments in commercial spaceflight and international collaborations. The paper discusses notable milestones in space exploration history, including early space missions, Apollo Moon landings, and the development of space stations like the International Space Station. It highlights the shift from state-led space programs to a more diverse landscape, characterized by private sector involvement and international partnerships. The "Space 4.0" phase, beginning around 2006, has seen the entry of commercial players like SpaceX, leading to a significant upsurge in orbital launches. Statistical data reveals an upward trend in launch activity, with over 200 launches in 2023 alone, driven by large satellite constellations like SpaceX's Starlink and the steady growth of China's space program. The increasing launch rate poses challenges such as space debris, emphasizing the need for mitigation strategies. Looking ahead, the paper projects a continued increase in launch activity, with over 150 launches expected annually by 2026 and 200-300 launches by 2040. Commercial space ventures, deep space exploration, lunar activities, and space tourism drive this growth. The paper concludes by emphasizing the importance of addressing space debris and promoting the long-term sustainability of space activities, which is crucial as humanity's presence in space continues to expand.

The rapid evolution of financial technology (fintech) has significantly transformed the financial services landscape, creating opportunities for innovation and introducing new risks. Traditional financial institutions and fintech companies operate under different paradigms, resulting in disparate risk management practices. This paper proposes a comprehensive framework for integrating operations and risk management practices between traditional financial institutions and fintech companies. By leveraging advanced technologies such as artificial intelligence (AI) and machine learning (ML), the framework aims to ensure consistent and effective risk assessment across the financial sector. The financial services industry is characterized by rapid innovation, primarily driven by fintech companies offering various services that enhance efficiency, accessibility, and customer satisfaction. However, the growth of fintech brings substantial risks, including cyber threats, data privacy concerns, regulatory compliance challenges, and operational vulnerabilities. Traditional financial institutions prioritize stability, security, and compliance within established risk management frameworks. The divergence in operational models and risk management approaches creates a fragmented risk landscape, posing significant challenges to the financial system's stability and security. This paper identifies the critical need for a unified framework integrating the risk management practices of traditional financial institutions and fintech companies. The proposed framework leverages AI and ML to enhance the accuracy and comprehensiveness of risk assessments, utilizing a centralized data repository for real-time risk assessment. Unified risk management policies covering cybersecurity, operational risk, regulatory compliance, financial crime, and real-time monitoring and reporting tools ensure robust risk management protocols and prompt response to potential risks. Aligning with regulatory requirements and incorporating best practices from both sectors, the integrated risk management approach enhances the financial ecosystem's stability, security, and public confidence.

In small animal models of severe acute respiratory syndrome coronaviruses (SARS-CoV and SARS-CoV-2) infection, ferrets (Mustela putorius furo) have been used to investigate the pathogenesis. Podoplanin (PDPN) is an essential marker in lung type I alveolar epithelial cells, kidney podocytes, and lymphatic endothelial cells. Monoclonal antibodies (mAbs) against ferret PDPN (ferPDPN) are useful for the pathological analyses of those tissues. We previously established an anti-ferPDPN mAb, PMab-292 using the Cell-Based Immunization and Screening (CBIS) method. In this study, we determined the critical epitope of PMab-292 using flow cytometry. The N-terminal ferPDPN deletion mutants analysis revealed that the Val34 is located at the N-terminus of the PMab-292 epitope. Furthermore, the PA tag-substituted analysis (PA scanning) showed that Asp39 is located at the C-terminus of PMab-292 epitope. The epitope sequence (₃₄-VRPEDD-₃₉) also exists between Val26 and Asp31 of ferPDPN, indicating that PMab-292recognizes the tandem repeat of the VRPEDD sequence of ferPDPN.

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.

This paper aims to explore the potential application of Extreme Learning Machines (ELM) in stock price prediction and optimise the ELM model by combining the Crown Porcupine Optimisation Algorithm and the Adaptive Bandwidth Kernel Function Density Estimation Algorithm. Specifically, the model's root mean square error (RMSE) on the test set is 0.018, which shows its good prediction accuracy. Meanwhile, the correlation coefficient R reaches 0.968, proving the model's effectiveness in predicting stock prices. In addition, the coefficient of determination R² of the training set and test set are 0.987 and 0.954, respectively, which are not much different, indicating that the model has good generalisation ability and is not prone to overfitting. This is crucial for practical application, as it implies that the model fits the existing data well and makes accurate predictions for future data. In terms of other evaluation metrics such as Mean Absolute Error (MAE), Root Mean Square Error (RMSE) and Mean Absolute Percentage Error (MAPE), the performance is excellent in both the training and test sets. Together, these results indicate that after optimising the ELM by introducing the crown porcupine optimisation algorithm and the adaptive bandwidth kernel function density estimation algorithm, the model can effectively capture the changing stock price pattern, thus achieving efficient and accurate stock price prediction. In summary, this study not only demonstrates the great potential of ELM in stock price prediction but also highlights the importance of improving the model performance through advanced algorithm optimisation, which provides a new way of thinking and methodology for financial market analysis. This strongly supports investors' decision-making and lays the foundation for related research.

The paper discusses the experience of implementing an efficient economic management system at the University of Vigo in Spain. This system, which focuses on managing secondments, aims to minimize bureaucracy and standardize economic procedures for various staff groups. By adopting a qualitative methodology and utilizing content analysis, the study compares the University of Vigo's fully digital administrative procedure with other universities in the CRUE network. The results show significant time and cost savings due to this implementation. The improved traceability and information for users support the administrative change, and the positive environmental impacts highlight the commitment to a more sustainable approach. The paper's originality lies in demonstrating how this approach enhances efficiency, reduces costs, and improves sustainability within a Spanish public administration setting.

Purpose: This study's primary objective was to demonstrate a link between managerial traits and their significant impact on the financial performance of NIFTY 50-listed firms. These traits were age, gender, educational background, total time spent working. These criteria were seen as independent of the investigation. Design/ Method/ Approach: The data were collected from the official company websites, where the financial reports of the company have been published for the common people's access, and the traits of the management in terms of age, gender, and educational qualification have been covered from the Nifty 50 company’s websites.Findings: Regression analysis in terms of the multiple linear regression method has been applied to highlight the different managerial traits, i.e., gender as a trait of management personnel, that have a significant impact on the financial performance of the Nifty 50 companies, i.e., ROE and ROA.Originality/ Value: This study provided meaningful insights in terms of the different human traits that are prevailing in the management officials, which have a significant impact on the management decisions on the various parameters and have a significant impact on the financial performance of the companies in the Nifty 50.

This study explores the use of Generative Artificial Intelligence (GAI) in assessing pilot fatigue risk by integrating facial recognition and physiological signals with Inertial Measurement Units (IMUs). By leveraging IMU technology's precise, real-time data on movement and combining it with GAI's advanced data analysis capabilities, the study aims to enhance the accuracy of fatigue prediction models. The analysis reveals that while traditional classifiers like Extreme Random Trees and Random Forests offer modest performance, advanced models such as Support Vector Machines and Naive Bayes demonstrate superior recall rates, highlighting their potential to identify true positives. This integration of AI and IMUs offers a promising approach to developing comprehensive, real-time fatigue monitoring systems, improving safety and efficiency in aviation by providing actionable insights and facilitating more effective fatigue management.

The study addresses the challenge of efficiently peeling pineapples, which have a distinct elliptical form, thick skin, and small eyes that are difficult to detect with conventional automated methods. This results in significant flesh waste. To improve the process, the researchers developed an integrated system combining an enhanced BlendMask method, termed SAAF-BlendMask, and a PCP method. SAAF-BlendMask improves the detection of small pineapple eyes, while PCP ensures accurate posture adjustment for precise path planning. The system uses 3D vision and deep learning technologies, achieving an average precision (AP) of 73.04% and a small object precision (APs) of 62.54% in eye detection, with a path planning success rate reaching 99%. The fully automated electromechanical system was tested on 110 real pineapples, demonstrating a reduction in flesh waste by 11.7% compared to traditional methods. This study highlights the potential of advanced machine vision and robotics in enhancing the efficiency and precision of food processing.

In this paper, we investigate the proftability of investing in movies for retail investors, focusing on the return on investment (ROI) metric, which is calculated as revenue divided by budget. Our analysis encompasses 5000 movies from the movie database TMDB, examining factors such as production scale, genres, key actors, directors, and more. Additionally, we employ textual analysis techniques like Latent Semantic Analysis (LSA) on movie overviews and tags to incorporate movie themes. We then evaluate various supervised classifcation models including Logistic Regression, Random Forest, and Light Gradient Boosting (LightGBM), comparing their performance. Our fndings highlight the signifcance of production scale, team structure, and movie themes in identifying potential high-return opportunities for investors.

This article seeks to strengthen efforts in technological developments based on the classification of PET plastic that positively impacts sustainable development and contributes to suitable solutions in collection centers in Mexico. Three experiment designs and machine learning tools for data processing were developed. For the experimentation, three factors were considered: the bottle's size, the amount of liquids inside the bottle, and the label on the bottle. The first experiment was to identify the distance of the sensor from post-consumer PET bottles. The second experiment was to determine the detection ability of the sensor with different levels of liquids inside the bottles, and the third was to determine the detection ability on the bottle labels. A digital lux meter on a microcontroller was developed to monitor illuminance on post-consumer PET plastic when it contains liquid as it passes through a conveyor belt for processing at an average rate of three bottles per second. With the implemented methodology, liquids were satisfactorily detected inside the transparent PET bottles when they had beverages between 25% and 100% of their capacity. Finally, this paper highlights that it is possible to implement an affordable design to identify bottles with liquids for collection centers.

The ordinary 3D wave equation for nondissipative, homogeneous, isotropic media admits solutions where the point sources are permitted to move, but it does not admit solutions where the receiver is allowed to move. To overcome this limitation, the new wave equation is derived, permitting both the receiver and the source to move. This new wave equation is a generalization of the standard wave equation, and it reduces to the standard wave equation when the receiver is at rest. To derive this new wave equation, we first mathematically define a diverging spherical wave caused by the stationary point source. From this purely mathematical definition, the wave equation for the stationary source and the moving receiver is derived together with the corresponding free-space Green's function. Utilizing the derived Green's function, it was shown that this new wave equation also permits the solutions where both the receiver and the source are permitted to move. In conclusion, this paper demonstrates that, instead of an ordinary wave equation, the wave equation for the moving source and the moving receiver governs the waves emitted by the moving point sources and received by the moving receivers.

The future index prices are viewed as a critical issue for any trader and investor. For this craving, various models have shown up in the literature. The Geometric Brownian motion (GBM) is one of the popular models. This work examines four types of GBM as per the presence of memory or kind of volatility. These models include classical GBM with memoryless and constant volatility assumptions, SVGBM with memoryless and stochastic volatility assumption, GFBM with memory and constant volatility assumption, and SVGFBM with memory and stochastic volatility assumption. These models are utilized in an empirical study to forecast the future index price of Energy Sector in the Saudi Stock Exchange Market. The assessment was led by utilizing two error standards, mean square error (MSE) and mean absolute percentage error (MAPE). The outcomes showed that the SVGFBM occupies the highest level of accuracy according to smallest values of MSE and MAPE. While the accuracy of GBM come in the tail of the list models under study. These results have affirmed the positive affection of combining memory and stochastic volatility assumption into the GBM model, which agreed findings of numerous earlier works. Furthermore, the findings showed the GFBM models are more accurate than GBM models regardless of the type of volatility. While, under the same type of memory, the models with stochastic volatility assumption are more accurate than the corresponding models of constant volatility assumption. In general, all models considered in this work uncovered high accuracy through the value of MAPE ≤ 10%. This indicates of the ability of applying these models in a real financial environment. Through this empirical study, we can say that the Energy Sector in Saudi Arabia is predictable and stable and afterward we urge financial investors and stockholder to trade and invest in this sector.