The need to expand the range of banking services in Ukraine is stipulated with technological progress, the European integration processes and the legal regime of martial law introduced in the country. Under the conditions of war, the need to strengthen the security of banking activities and protect the banking system from the influence of any internal and external factors gains meaning. The topical direction of economic and legal research of scientists today is the possibility to introduce digital technologies with elements of artificial intelligence (AI) into the banking activity in Ukraine to improve its protection. The AI law as an independent branch of the Ukrainian law has not been developed so far. The sources of AI law, its functions, tasks, scope, risks and limits of legal responsibility for prohibited practices of artificial intelligence have not been defined. The purpose of the article is to analyze the theoretical and legal provisions that underpin the regulation of AI application in Ukrainian banking. The comparative legal method made it possible, considering the provisions of the draft law on AI of the European Union, to determine the trends in the development of the legal regulation of AI in Ukraine. Following the study, proposals to the legislation of Ukraine were formulated, which will contribute to the legal regulation of banking activities using digital technologies with elements of AI.

In April 2023, the government of Changshu City, in Jiangsu Province, China, announced that it would officially use digital Chinese Yuan (E-CNY) as a method of wage payment to the government and state-owned enterprises staff starting in May. With the gradual improvement and application of E-CNY technologies, such as no electricity, no internet payment (offline payment), and the programmability of smart contracts, E-CNY will be officially used in China. CNN said China is on the verge of a cashless society. The advantages of E-CNY have a positive role in promoting the Chinese government’s implementation of the development goals of a low-carbon and sustainable economy. However, artificial intelligence (AI) trust concerns are the primary bottleneck in the current development based on intelligent algorithms and digital information technology. AI trust concerns are affecting the scope of use of E-CNY, and it may need to achieve effective scale-use, making it promote low-carbon and sustainable development. From the industry perspective, this article selects the housing rental enterprises, which are challenging to develop and energy-intensive, to analyze the theoretical approach and practical impact of E-CNY in promoting the low-carbon and sustainable development of China’s rental housing economy. Meanwhile, from the perspective of Chinese consumers, the impact of AI trust concerns on E-CNY in promoting low-carbon and sustainable development is analyzed in this article.

We studied the role of industry-academic collaboration (IAC) in the enhancement of educational opportunities and outcomes under the digital driven Industry 4.0 using research and development, the patenting of products/knowledge, curriculum development, and artificial intelligence as proxies for IAC. Relevant conceptual, theoretical, and empirical literature were reviewed to provide a background for this research. The investigator used mainly principal (primary) data from a sample of 230 respondents. The primary statistics were acquired through a questionnaire. The statistics were evaluated using the structural equation model (SEM) and Stata version 13.0 as the statistical software. The findings indicate that the direct total effect of Artificial intelligence (Aint) on educational opportunities (EduOp) is substantial (Coef. 0.2519916) and statistically significant (p < 0.05), implying that changes in Aint have a pronounced influence on EduOp. Additionally, considering the indirect effects through intermediate variables, Research and Development (Res_dev) and Product Patenting (Patenting) play crucial roles, exhibiting significant indirect effects on EduOp. Res_dev exhibits a negative indirect effect (Coef = −0.009969, p = 0.000) suggesting that increased research and development may dampen the impact of Aint on EduOp against a priori expectation while Patenting has a positive indirect effect (Coef = 0.146621, p = 0.000), indicating that innovation, as reflected by patenting, amplifies the effect of Aint on EduOp. Notably, Curriculum development (Curr_dev) demonstrates a remarkable positive indirect effect (Coef = 0.8079605, p = 0.000) underscoring the strong role of current development activities in enhancing the influence of Aint on EduOp. The study contributes to knowledge on the effective deployment of artificial intelligence, which has been shown to enhance educational opportunities and outcomes under the digital driven Industry 4.0 in the study area.

Under the developing trend of artificial intelligence (AI) technology gradually penetrating all aspects of society, the traditional language education industry is also greatly affected ^[1]. AI technology has had a positive impact on college English teaching, but it also presents challenges and negative impacts. On the positive side, AI technology can provide personalized learning experiences, real-time feedback, and autonomous learning opportunities, and so on. However, it may also lead to a lack of communication between students and humans, resulting in a decline in students’ interpersonal skills, and cause students’ dependence on online learning resources as well as possible risks to student data privacy and security, and other negative impacts. To address these challenges, teachers can adopt the following countermeasures: improving teachers’ skills in the use of AI technology incorporated in the classroom, offering personalized instruction to reduce students’ dependence on AI technologies, emphasizing the cultivation of students’ humanistic literacy and interpersonal communication ability. Additionally, colleges and technology providers should strengthen data security and privacy protection to ensure the safety and confidentiality of student data. By implementing comprehensive measures, we can maximize the advantages of AI technology in college English teaching while overcoming potential issues and challenges.

While the rapid development of artificial intelligence has affected people's daily lives, it has also brought huge challenges to high school mathematics teaching, such as restructuring the classroom teaching structure, transforming the role of teachers, and selecting classroom teaching methods. Based on this, the article explores the application strategies of AI technology in improving knowledge introduction, improving mathematics classroom efficiency and stimulating students' learning interest, with a view to optimizing classroom teaching links, improving students' core discipline quality, and promoting the development of high school mathematics teaching informatization.

In the era of rapid information technology development, artificial intelligence (AI) and virtual reality (VR) technologies have gradually infiltrated the field of university English teaching, brought significant applications and impacted to English language learning in listening, speaking, writing, translation, and personalized learning. AI plays a vital role as an auxiliary teaching method in university English instruction, and the integration of VR technology further enhances teaching efficiency. This research will propose relevant recommendations to provide theoretical references for university English education in the age of AI, while also offering insights and guidance to educators in the education industry during the informatization reform of education.