Background: People who are financially literate are able to make sound decisions regarding their money since they have a firm grasp of the fundamentals of money and financial products. The significance of financial literacy has been acknowledged by numerous nations, prompting the formation of task teams to assess their populations and develop educational and outreach programs. The requirement to make educated decisions about ever-increasing financial goods necessitates a higher level of financial literacy. Aim: Being able to make sense of one’s personal financial situation is becoming an increasingly valuable skill in today’s world. One of the most essential components for making sure and successful decisions is having a good grip on one’s financial status. By contrast, financial literacy refers to an individual’s level of knowledge and awareness regarding financial matters, whereas investors’ decision-making is characterised by their understanding, prediction, investigation, and assessment of the various stages and transactions involved in making an investment decision. Risk, a decision-making framework and process, and investing itself are all components of investing. Method: Researchers will conduct a cross-sectional survey of Saudi Arabian investors. We used a structured questionnaire to gather data. Using “Cronbach’s a and confirmatory factors” analysis, we checked whether the data is reliable. The links between financial literacy and investment decisions was demonstrated using structural equation modeling (SEM) in IBM-SPSS and SmartPLS. Purpose: The purpose of this research is to look at how the investment choices of Saudi Arabians are correlated with their degree of financial literacy. Consequently, research on the connection between financial literacy, knowledge, behaviour, and investment choices is lacking. Researchers on this subject have already acknowledged the problem’s importance and intended to devote substantial time and energy to solving it. Findings: The study concluded that there was a significant relationship between financial literacy and financial knowledge with respect of investment decision of investors. Similarly, there was a significant relationship between financial behaviour and financial knowledge with respect of investment decision of investors. The discovery of the outcomes will enable regulatory authorities to aid investors in preventing financial losses by furnishing them with sufficient financial information.

This study aims to examine the pathways through which the user experience (UX) of ChatGPT, a representative of generative artificial intelligence, affects user loyalty. Additionally, it seeks to verify whether ChatGPT’s UX varies according to a user’s need for cognition (NFC). This research proposed and examined how ChatGPT’ UX affect user engagement and loyalty and used mediation analysis using PROCESS Macro Model 6 to test the impact of UX on web-based ChatGPT loyalty. Data were collected by an online marketing research company. 200 respondents were selected from a panel of individuals who had used ChatGPT within the previous month. Prior to the survey, the study objective was explained to the respondents, who were instructed to answer questions based on their experiences with ChatGPT during the previous month. The usefulness of ChatGPT was found to have a significant impact on interactivity, engagement, and intention to reuse. Second, it was revealed that evaluations of ChatGPT may vary according to users’ cognitive needs. Users with a high NFC, who seek to solve complex problems and pursue new experiences, perceived ChatGPT’s usefulness, interactivity, engagement, and reuse intentions more positively than those with a lower NFC. These results have several academic implications. First, this study validated the role of the UX in ChatGPT. Second, it validated the role of users’ need for cognition levels in their experience with ChatGPT.

The rapid advancement of information and communication technology has greatly facilitated access to information across various sectors, including healthcare services. This digital transformation demands enhanced knowledge and skills among healthcare providers, particularly in comprehensive midwifery care. However, midwives in rural areas face numerous challenges such as limited resources, cultural factors, knowledge disparities, geographic conditions, and technological adoption. This research aims to evaluate the impact of AI utilization on midwives’ knowledge and behavior to optimize the implementation of healthcare services in accordance with Delima Midwife Service standards in rural settings. The analysis encompasses competencies, characteristics, information systems, learning processes, and health examinations conducted by midwives in adopting AI. The research methodology employs a cross-sectional approach involving 413 rural midwives selected proportionally. Results from Partial Least Squares Structural Equation Modeling indicate that all reflective evaluation variables meet the required criteria. Fornell-Larcker criterion demonstrates that the square root of AVE is greater than other variables. The primary findings reveal that information systems (0.029) and midwives’ competencies (0.033) significantly influence AI utilization. Furthermore, midwives’ competencies (0.002), characteristics (0.031), and AI utilization (0.011) also significantly impact midwives’ knowledge and behavior. Midwives’ characteristics also significantly affect their competencies (0.000), while midwives’ learning influences health examinations (0.000). Midwives’ knowledge and behavior affect the transformation of healthcare services in rural midwifery (0.022). The model fit results in a value of 0.097, empirically supporting the explanation of relationships among variables in the model and meeting the established linearity test.

This study systematically examines the literature of electric vehicle (EV) purchase intention and consumer behavior using a bibliometric method to unveil three main research questions: 1) identifying influential publications, authors, and journals; 2) analyzing the thematic evolution of research over time; and 3) identifying emerging research directions. The main objective is to provide a comprehensive understanding of the current state of knowledge and to guide future research in this evolving field. A comprehensive bibliometric analysis was conducted, using Scopus statistics analysis, R-Studio Biblioshiny and VOSviewer, comprising 687 publications authored by 1743 researchers representing 34 different countries with the dataset sourced from the Scopus database from 2010 to 2023. To achieve a nuanced understanding of the research landscape, a multifaceted approach was adopted, including detailed citation analysis, author co-citation analysis, keyword analysis, and thematic mapping. Through meticulous analysis, this study identifies the most influential publications, authors, and journals in the domain of EV purchase intentions and consumer behaviors. It also traces the evolution of themes over time and identifies emerging research directions, providing valuable insights into the trajectory and future avenues of inquiry within this field. The findings contribute to a deeper understanding of the dynamics shaping research in the realm of EVs. The insights gained contribute significantly to advancing knowledge in this crucial domain, offering theoretical insights and practical implications for policymakers, businesses, manufacturers, and academics.

The Akit tribe fishermen on Rupat Island, Riau, Indonesia, are a remote indigenous community with a low level of education. They have experienced cultural acculturation after the influx of outsiders and the government built road infrastructure to break the isolation. The government also provides internet facilities to speed up the process of modernizing communications between them. The research aim is to analyze the role of government support as a mediator in the influence of education and acculturation on communication modernization among Akit fishermen. The research used a survey method, involving 165 of the 763 Akit fishermen as respondents. This number determine used the Sample Size Calculator technique. Respondents were selected using a purposive random sampling technique. The variables studied consisted of education, acculturation, government support (as mediator), and communication modernization. Data collection was carried out through a closed questionnaire containing statements, which were measured with a 5-point Likert scale. The data were analyzed using the Structural Equation Modeling method with the help of SmartPLS 4 software. The research results show that acculturation and government support have a positive and significant influence on communication modernization, while education plays a negative influence. Government support as a mediator plays a positive and significant role in the influence of education on communication modernization, while it does not play any role in the influence of acculturation. The most implication of this research is that the government must further increase its role in organizing the acculturation process for Akit fishermen to accelerate the communication modernization process.

Digital transformation is a significant phenomenon that affects almost every business sector, particularly the telecommunications industry, which is closely intertwined with information technology. This study is grounded in McLuhan’s concept of technological determinism and Martin Heidegger’s philosophy of technology, which asserts that media and technology shape human thoughts and interactions, benefiting individuals, society, and culture alike. The primary objective of this research is to investigate the environmental factors that influence digital transformation and to assess its impact on the strategic renewal of a company. This research employs exploratory qualitative methods, collecting in-depth information through interviews with the respondents from Indonesia’s leading telecommunications operator who can provide comprehensive and contextual insights into digital transformation. The findings reveal specific environmental factors that drive digital transformation. The major identified components of strategic renewal include advancements in information technology, the role of human resources, and interactions with external parties, including customers and partners.