Using the Resource Advantage Theory approach, this research aims to examine the gap between entrepreneurial opportunities and marketing performance, with market-based innovation capability acting as a mediating variable. The data collection method used non-probability sampling with a purposive sampling technique. The data that was eligible to be processed were 250 respondents. Hypothesis testing was used using the AMOS application. The research results show that market-based innovation capability can improve marketing performance as a mediating variable. In addition, market penetration strength can also improve marketing performance. As a strategic variable, market-based innovation capability (MBIC) converts entrepreneurial opportunities into competitive advantages relevant to market needs. In addition, business actors become more adaptive and responsive to market dynamics, increasing competitiveness sustainably. MBIC, rooted in the Resource Advantage Theory of competition, contributes to developing market-based innovation strategies in the UMKM sector.

This study analyzes the perception of university students regarding the use of virtual reality (VR) in higher education, focusing on their level of knowledge, usage, perceived advantages and disadvantages, as well as their willingness to use this technology in the future. Using a mixed-methods approach that combines questionnaires and semi-structured interviews, both quantitative and qualitative data were collected to provide a comprehensive view of the subject. The results indicate that while students have a basic understanding of VR, its use in the educational context is limited. A considerable number of students recognize VR’s potential to enhance the learning experience, particularly in terms of immersion and engagement. However, significant barriers to adoption were identified, such as technical issues, the high cost of equipment, and inadequate access to technological infrastructure. Additionally, there is a need for broader training for both students and faculty to ensure the effective use of this technology in academic environments. The semi-structured interviews confirmed that perceptions of VR vary depending on prior exposure to the technology and access to resources. Despite the challenges, most students appreciate VR’s potential to enrich learning, although its effective adoption will depend on overcoming the identified barriers. The study concludes that strategies must be implemented to facilitate the integration of VR into higher education, thus optimizing its impact on the teaching-learning process.

As the global ecological and environmental problems become more and more serious, the concept of green finance and sustainable development has been advocated by more and more domestic and foreign experts, scholars and investors, and the Environmental Responsibility, Social Responsibility, and Corporate Governance (ESG) rating has gradually become a hotspot of attention. ESG is a kind of investment concept and a comprehensive assessment criterion of corporate performance for systematic evaluation of enterprises, and it has become an important indicator of the ability of measuring the sustainable development of enterprises. It has become an important indicator of corporate sustainable development capability. In this paper, we investigate the relationship between ESG ratings and cumulative abnormal returns of listed companies’ stocks under the impact of sudden risk events. The outbreak of the New Crown epidemic as an exogenous risk event provides an opportunity for this paper. This paper examines the role of firms’ ESG ratings and the three sub-dimensions of ratings on the cumulative abnormal returns of listed firms’ stocks during the New Crown Epidemic outbreak and verifies the role of ESG ratings on firms in times of crisis. The final regression results prove that under the impact of sudden exogenous risk events, listed firms’ ESG ratings have a positive effect on the cumulative abnormal stock returns during the event window. Finally, this paper provides recommendations to help firms and investors prevent and mitigate risks.

The advent of Artificial Intelligence (AI) has transformed Learning Management Systems (LMSs), enabled personalized adaptation and facilitated distance education. This study employs a bibliometric analysis based on PRISMA-2020 to examine the integration of AI in LMSs from an educational perspective. Despite the rapid progress observed in this field, the literature reveals gaps in the effectiveness and acceptance of virtual assistants in educational contexts. Therefore, the objective of this study is to examine research trends on the use of AI in LMSs. The results indicate a quadratic polynomial growth of 99.42%, with the years 2021 and 2015 representing the most significant growth. Thematic references include authors such as Li J and Cavus N, the journal Lecture Notes in Computer Science, and countries such as China and India. The thematic evolution can be observed from topics such as regression analysis to LMS and e-learning. The terms e-learning, ontology, and ant colony optimization are highlighted in the thematic clusters. A temporal analysis reveals that suggestions such as a Cartesian plane and a league table offer a detailed view of the evolution of key terms. This analysis reveals that emerging and growing words such as Learning Style and Learning Management Systems are worthy of further investigation. The development of a future research agenda emerges as a key need to address gaps.

There is fast growth of digital banking services in Saudi Arabia clearly shows the necessity of well-considered legal decisions. However, there is an obscurity with respect to protecting consumers’ rights and creating a reliable atmosphere for digital finance through legal framework in the digital banking sector in the Kingdom. The primary aims and objectives of this research is to scrutinize the digital banking consumers’ protection legal framework being overseen in Saudi Arabia, analyzing its content, mechanisms, and impact on different stakeholders. Similarly, the study tires to determine its efficacy as well as identify the roadblocks which can prevent its success. Through an extensive review and examination, the evaluation defines key issues, difficulties and finalizes statements about the legal field. The content analysis methodology was used to help address issues emanating from the existing literature. Various scholarly articles, policy documents, and regulatory guidelines were explored. In other words, data for this study were collected through different search sources such as journals, traditional articles of Google Scholar, policy documents, and library sources. A total of 25 articles were explored and contributed immensely to unveiling various aspects of the legal framework of digital banking as well as consumers’ protection in the Kingdom. The findings of this investigation have identified three basic themes on the domestic legal regulation of consumers’ protection in the digital banking system in Saudi Arabia. First, the study has analyzed various legislations such as: consumer protection law, sector-specific regulations, among others concerning the rights and duties of consumer protection. Second, legal obligations in seeking remedies when there is a discriminatory treatment in digital banking services. Third, it has been established that Saudi Arabia have taken a proactive step towards a robust safety cushion to protect the consumer rights and minimizing the risks involved in cybersecurity in the context of Saudi Arabia. Theoretically, on one hand, the study highlights the paramount significance to consumers’ protection legislations in the Kingdom. On the other hand, practically, the Kingdom’s witness of rapid economic growth and technological advancement, ensuring robust consumer protection measures becomes increasingly paramount to foster trust, promote fair business practices, and enhance consumer confidence in the marketplace. Nonetheless, some limitations such as insufficient consumers’ education and regulatory inadequacies were noted which need national coordination between stakeholders. Notwithstanding the fact that the legal framework exhibits strong points especially in addressing vital issues, its timely evaluation, amendment, and enforcement is deemed as a key to solve the emerging challenges and obtain confidence of consumers when it comes to digital banking.

Fire hazard is often mapped as a static conditional probability of fire characteristics’ occurrence. We developed a dynamic product for operational risk management to forecast the probability of occurrence of fire radiative power in the locally possible near-maximum fire intensity range. We applied standard machine learning techniques to remotely sensed data. We used a block maxima approach to sample the most extreme fire radiative power (FRP) MODIS retrievals in free-burning fuels for each fire season between 2001 and 2020 and associated weather, fuel, and topography features in northwestern south America. We used the random forest algorithm for both classification and regression, implementing the backward stepwise repression procedure. We solved the classification problem predicting the probability of occurrence of near-maximum wildfire intensity with 75% recall out-of-sample in ten annual test sets running time series cross validation, and 77% recall and 85% ROC-AUC out-of-sample in a twenty-fold cross-validation to gauge a realistic expectation of model performance in production. We solved the regression problem predicting FRP with 86% r² in-sample, but out-of-sample performance was unsatisfactory. Our model predicts well fatal and near-fatal incidents reported in Peru and Colombia out-of-sample in mountainous areas and unimodal fire regimes, the signal decays in bimodal fire regimes.