In the Fourth Industrial Revolution (4IR) era, the rapid digitalisation of services poses both opportunities and challenges for the banking sector. This study addresses how adopting artificial intelligence (AI) and online and mobile banking advancements can influence customer satisfaction, particularly in Kaduna State, Nigeria. Despite significant investments in AI and digital banking technologies, banks often struggle to align these innovations with customer expectations and satisfaction. Using Structural Equation Modeling (SEM), this research investigates the impact of customer satisfaction with online banking (C_O) on AI integration (I_A) and mobile banking convenience (C_M). The SEM model reveals that customer satisfaction with online banking significantly influences AI integration (path coefficient of 0.40) and mobile banking convenience (path coefficient of 0.68). These results highlight a crucial problem: while technological advancements in banking are growing, their effectiveness is highly dependent on customer satisfaction with existing digital services. The study underscores the need for banks to prioritise enhancing online banking experiences as a strategic lever to improve AI integration and mobile banking convenience. Consequently, the research recommends that Nigerian banks develop comprehensive frameworks to evaluate and optimise their technology integration strategies, ensuring that technological innovations align with customer needs and expectations in the rapidly evolving digital landscape.

This study aims to identify key strategies and tactics necessary to effectively implement national social security in a democratic Indonesia. Indonesia established the Law on the National Social Security System in 2004. However, the national social security programs did not commence until 2014. The national social security implementation has faced significant obstacles. These challenges include recurring delays, legal disputes, appeals, judicial reviews, and deviations from the original policy objectives, all threatening the long-term viability of the national social security programs. This article applies a qualitative approach by critically analyzing regulations, government reports, and publicly available data and observing open public meetings and hearings concerning implementing national social security programs. Our findings indicate that implementing national social security policies in a democratic Indonesia depends on effectively managing the dynamic processes involved in policy formulation and adoption. We propose a risk-based decision-making model to assist policymakers in mitigating policy-related risks and enhance the effectiveness of future policy agendas in social security.

This study evaluated the development and validation of an integrated operational model for the Underground Logistics System (ULS) in South Korea’s metropolitan area, aiming to address challenges in urban logistics and freight transportation by highlighting the potential of innovative logistics systems that utilize underground spaces. This study used conceptual modeling to define the core concepts of ULS and explored the system architecture, including cargo handling, transportation, operations and control systems, as well as the roles of cargo crews and train drivers. The ULS operational scenarios were verified through model simulation, incorporating both logical and temporal analyses. The simulation outcomes affirm the model’s logical coherence and precision, emphasizing ULS’s pivotal role in boosting logistics efficiency. Thus, ULS systems in Korea offer prospects for elevating national competitiveness and spurring urban growth, underscoring the merits of ULS in navigating contemporary urban challenges and championing sustainability.

This research aims to develop a Synergy Learning Model in the context of science learning.  This research was conducted at Islamic Junior High School, Madrasah Tsanawiyah Negeri 2 Medan, involving 64 students of Grade 7 as the research subject. The method used in this research refers to the development research approach (R&D). In collecting the data, the research employed test and non-test techniques. The results prove that the Synergy learning model developed is effective in improving student learning outcomes. This is evident through the t-test statistical test where the t-count of 4.26 is higher than the t-table of 1.99. In addition, the level of practicality with a score of 3.39 is categorized as practical. This learning model emphasizes the learning process that supports the development of science skills and develops students' competencies in planning, collaborating, and critically reflecting. The findings of this study contribute to pedagogical practices and literature in the field of science learning.

This paper investigates the implementation of ijarah muntahiyah bittamlik (IMBT) as an infrastructure project financing scheme within the Public-Private Partnership (PPP) models from a collaborative governance perspective. This paper follows a case study methodology. It focuses on two Indonesian non-toll road infrastructure projects, i.e., the preservation of the East Sumatra Highway projects, each in South Sumatra province and Riau province. The findings revealed that Indonesia’s infrastructure development priorities and its vision to become a global leader in Islamic finance characterized the system context that shaped the implementation of IMBT as an infrastructure project financing scheme within the PPP-AP model. Key drivers include leadership from the government, stakeholder interdependence, and financial incentives for the partnering business entity to adopt off-balance sheet solutions. Principled engagement, shared motivation, and the capacity for joint action characterized the collaboration dynamics, leading to detailed collaborative actions crucial for implementing IMBT as a financing scheme.

Retinal disorders, such as diabetic retinopathy, glaucoma, macular edema, and vein occlusions, are significant contributors to global vision impairment. These conditions frequently remain symptomless until patients suffer severe vision deterioration, underscoring the critical importance of early diagnosis. Fundus images serve as a valuable resource for identifying the initial indicators of these ailments, particularly by examining various characteristics of retinal blood vessels, such as their length, width, tortuosity, and branching patterns. Traditionally, healthcare practitioners often rely on manual retinal vessel segmentation, a process that is both time-consuming and intricate, demanding specialized expertise. However, this approach poses a notable challenge since its precision and consistency heavily rely on the availability of highly skilled professionals. To surmount these challenges, there is an urgent demand for an automatic and efficient method for retinal vessel segmentation and classification employing computer vision techniques, which form the foundation of biomedical imaging. Numerous researchers have put forth techniques for blood vessel segmentation, broadly categorized into machine learning, filtering-based, and model-based methods. Machine learning methods categorize pixels as either vessels or non-vessels, employing classifiers trained on hand-annotated images. Subsequently, these techniques extract features using 7D feature vectors and apply neural network classification. Additional post-processing steps are used to bridge gaps and eliminate isolated pixels. On the other hand, filtering-based approaches employ morphological operators within morphological image processing, capitalizing on predefined shapes to filter out objects from the background. However, this technique often treats larger blood vessels as cohesive structures. Model-based methods leverage vessel models to identify retinal blood vessels, but they are sensitive to parameter selection, necessitating careful choices to simultaneously detect thin and large vessels effectively. Our proposed research endeavors to conduct a thorough and empirical evaluation of the effectiveness of automated segmentation and classification techniques for identifying eye-related diseases, particularly diabetic retinopathy and glaucoma. This evaluation will involve various retinal image datasets, including DRIVE, REVIEW, STARE, HRF, and DRION. The methodologies under consideration encompass machine learning, filtering-based, and model-based approaches, with performance assessment based on a range of metrics, including true positive rate (TPR), true negative rate (TNR), positive predictive value (PPV), negative predictive value (NPV), false discovery rate (FDR), Matthews's correlation coefficient (MCC), and accuracy (ACC). The primary objective of this research is to scrutinize, assess, and compare the design and performance of different segmentation and classification techniques, encompassing both supervised and unsupervised learning methods. To attain this objective, we will refine existing techniques and develop new ones, ensuring a more streamlined and computationally efficient approach.