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.

This study explores the influence of digital technologies, including media, on pre-service teachers’ interactions and engagement patterns. It underscores the significance of promoting digital competence to empower pre-service teachers to navigate the digital world responsibly, make informed decisions, and enhance their digital experiences. The objective is to identify key themes and categories in research studies related to pre-service teachers’ digital competence and skill preparations. Conducting a systematic literature review, we searched databases such as SCOPUS, ScienceDirect, and Taylor & Francis, including forty-three articles in the dataset. Applying qualitative content analysis, we identified four major themes: digital literacy, digital competencies, digital skills, and digital thinking. Within each theme, categories and their frequencies were examined. Preliminary findings reveal a growing prevalence of digital competence and literacy articles between 2019 and 2024. The paper concludes by offering recommendations for further research and implementations, with specific criteria used for article selection detailed in the paper. A digital literacy policy for teacher education preparedness is included.

This research aims to determine the strategy of the Jakarta Provincial Government in increasing the resilience and growth of small and medium enterprises (SMEs) within a collaborative governance framework post-COVID-19. This study explores the effectiveness of SMEs and facilities in accessing financing and fostering collaborative partnerships between SMEs, government agencies, and financial institutions by utilizing USAID’s Theory of Change (TOC). This research uses a qualitative approach supported by in-depth interviews and Focus Group Discussions to enrich the insights of SME stakeholders, large companies, and SME actors and assess the impact of their roles. The results of this research highlight the critical role of SME Cooperative Banks (SCB) in improving SMEs’ access to credit and financial services, including collaborative governance frameworks and partnerships between SMEs, government agencies, and banks, which were identified as necessary to improve policy coherence and encourage conducive SME business environment conditions. The main findings of this research underscore the importance of the SCB model, demonstrating its potential to improve SME resilience and economic sustainability. This SCB model enriches the TOC indicators introduced by USAID. The study identifies gaps in digital infrastructure and market access that hinder SME growth and recommends targeted interventions to address these challenges. This study shows that SCB offers a promising pathway to increase the resilience and growth of SMEs in Indonesia, especially if accompanied by effective collaborative governance strategies. These initiatives can encourage inclusive economic development and strengthen the role of SMEs as drivers of the local economy. Recommendations include expanding the SCB model to other regions, encouraging digitalization, facilitating market access, advocating for a supportive policy framework, and integrating these strategies to advance the principles of USAID’s Theory of Change, fostering sustainable SME development and economic resilience.

The increasing domains of digital technology in educational settings urgently require digital leadership (DL) to ensure the sustainability of school improvement initiatives in the digital era and to facilitate the digital transformation of educational institutions. DL emerges as an urgent and evolving topic of significant public interest. However, there is a notable lack of consensus persists regarding its definition and constructs within educational settings, hindering the advancement of DL theory. To address this gap, a systematic literature review was conceived, employing the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) methodology. The primary aim was to enhance comprehension of the geographical and temporal distribution of relevant publications, as well as to elucidate prevalent definitions and constructs of digital leadership in educational contexts. This article endeavors to synthesize the extant scientific literature on DL, focusing on studies published between 2019 and 2024. Inclusion criteria encompassed scientific research publications sourced from Scopus and the Web of Science (WoS) databases, available in English, and centered on educational settings. Initial database queries yielded 578 papers, subsequently refined to 35 studies through meticulous screening for duplicity and adherence to inclusion criteria. Notably, the reviewed publications predominantly characterize DL as a multifaceted process, amalgamation, or integration, with a predominant emphasis on functional aspects of leadership. Noteworthy constructs frequently encountered include digital age learning culture, visionary leadership, excellence in professional practice, systemic improvement, and digital citizenship. This review contributes to the enrichment of theoretical conceptualizations surrounding DL. It underscores the imperative for future research to explore into the measurement of DL, thereby presenting promising avenues for evaluating principal DL within educational institutions.

Cancer is the 3rd leading cause of death globally, and the countries with low-to-middle income account for most cancer cases. The current diagnostic tools, including imaging, molecular detection, and immune histochemistry (IHC), have intrinsic limitations, such as poor accuracy. However, researchers have been working to improve anti-cancer treatment using different drug delivery systems (DDS) to target tumor cells more precisely. Current advances, however, are enough to meet the growing call for more efficient drug delivery systems, but the adverse effects of these systems are a major problem. Nanorobots are typically controlled devices made up of nanometric component assemblies that can interact with and even diffuse the cellular membrane due to their small size, offering a direct channel to the cellular level. The nanorobots improve treatment efficiency by performing advanced biomedical therapies using minimally invasive operations. Chemotherapy’s harsh side effects and untargeted drug distribution necessitate new cancer treatment trials. The nanorobots are currently designed to recognize 12 different types of cancer cells. Nanorobots are an emerging field of nanotechnology with nanoscale dimensions and are predictable to work at an atomic, molecular, and cellular level. Nanorobots to date are under the line of investigation, but some primary molecular models of these medically programmable machines have been tested. This review on nanorobots presents the various aspects allied, i.e., introduction, history, ideal characteristics, approaches in nanorobots, basis for the development, tool kit recognition and retrieval from the body, and application considering diagnosis and treatment.