This article aims to measure and identify the factors influencing the decision to use Chatbot in e-banking services for GenZ customers in Vietnam through 292 customers. Testing methods: Cronbach’s Alpha trust factor, EFA discovery factor analysis, and regression analysis have shown that 07 factors directly affect GenZ’s decision to use Chatbot. Those factors include (1) Customer attitude; (2) Useful perception; (3) Perception of ease of use; (4) Behavioral control perception; (5) Risk perception; (6) Subjective norms and (7) Trust. On that basis, the article has set out management implications for Vietnamese commercial banks to approach and increase the decision of customers aged 18–24 years in Vietnam.

The proportion of national logistics costs to Gross Domestic Product (NLC/GDP) serve as a valuable indicator for estimating a country’s overall macro-level logistics costs. In some developing nations, policies aimed at reducing the NLC/GDP ratio have been elevated to the national agenda. Nevertheless, there is a paucity of research examining the variables that can determine this ratio. The purpose of this paper is to offer a scientific approach for investigating the primary determinants of the NLC/GDP and to advice policy for the reduction of macro-level logistics costs. This paper presents a systematic framework for identifying the essential criteria for lowering the NLC/GDP score and employs co-integration analysis and error correction models to evaluate the impact of industrial structure, logistics commodity value, and logistics supply scale on NLC/GDP using time series data from 1991 to 2022 in China. The findings suggest that the industrial structure is the primary factor influencing logistics demand and a significant determinant of the value of NLC/GDP. Whether assessing long-term or short-term effects, the industrial structure has a substantial impact on NLC/GDP compared to logistics supply scale and logistics commodity value. The research offers two policy implications: firstly, the goals of reducing NLC/GDP and boosting the logistics industry’s GDP are inherently incompatible; it is not feasible to simultaneously enhance the logistics industry’s GDP and decrease the macro logistics cost. Secondly, if China aims to lower its macro-level logistics costs, it must make corresponding adjustments to its industrial structure.

This study is considered one of the few studies that attempted to explore the relationship between exports and foreign direct investment in the Kingdom of Saudi Arabia. The study aims to determine the nature of the relationship between exports and foreign direct investment in the Kingdom of Saudi Arabia during the period between (1990–2023). Employing Ender’s methodology using cointegration and error correction model. The study also relies on data on Saudi exports and foreign direct investment inflows from the World Bank databases. The results indicate the existence of Cointegration between foreign direct investment (FDI) inflows and the Saudi exports in the period (1990–2023), as for the causal relationship between the two variables, the results showed the causal relation between exports and FDI inflows from the direction of exports only, which means that Saudi exports cause FDI inflows in Saudi Arabia, and the study recommends giving more incentives to attract foreign investors in different sector rather than oil sector, besides improving the logistical services which is vital to any investment attraction strategy.

Rapid global warming and continuous climate change threaten the construction industry and human existence, especially in developing countries. Many developed countries are engaging their professional stakeholders on innovation and technology to mitigate climate change on humanity. Studies concerning inclusive efforts by developing countries’ stakeholders, including Nigeria, are scarce. Thus, this study investigates the construction industry’s practitioners’ preparedness to mitigate climate change through pre- and post-planning. Also, the study appraises climate change’s impact on construction activities and proffered measures to mitigate them. The research employed face-to-face data collection via a qualitative approach. The researchers engaged 33 knowledgeable participants. The study covered Abuja, Benin City, Owerri, and Lagos and achieved saturation at the 30th participant. The research employed a thematic approach to analyse the collected data. Findings reveal that Nigerian construction practitioners cannot cope with climate change impacts because of lax planning and inadequate technology to mitigate the issues. Also, the government’s attitude towards climate change has not helped matters. Also, the study suggested measures to mitigate the impact of climate change on construction activities in Nigeria. Therefore, as part of the research contributions, all-inclusive and integrated regulatory policies and programmes should be tailored toward mitigating climate change. This includes integrated stakeholder sensitisation, investment in infrastructure that supports anti-climate change, prioritising practices in the industry to achieve sustainable project transformation, and integration of climate change interventions into pre- and post-contract administration.

Fruits are a source of vitamins. Mango is one of the abundantly nutritional fruits. Vitamin B9, or folic acid, is one of the important vital amines due to its role in preventing neural deficiency. Several beneficial micro-organisms are used for the synthesis of folic acid. In this study, Lactobacillus acidophilus, Leuconostoc mesenteroides, Streptococcus thermophilus, and Saccharomyces cerevisiae were used. Saccharomyces cerevisiae synthesized folic acid as compared to other organisms. There were five different concentrations of mango pulp that were analyzed for folic acid synthesis (5%, 10%, 15%, 20%, and 30%). The initial concentration of pulp was 133.37 mg kg⁻¹, but after fermentation with four micro-organisms it got reduced. As compared to the other three organisms, Saccharomyces cerevisiae synthesizes 17.15 mg kg⁻¹, 30.14 mg kg⁻¹, 28.62 mg kg⁻¹, 21.70 mg kg⁻¹, and 21.78 mg kg⁻¹, respectively, at different pulp concentrations of 5%, 10%, 15, 20%, and 30%. Vitamin C increased to 320 mg as compared to the control, and there was no significant difference between the four micro-organisms. Antioxidants also showed positive results at different concentrations of pulp. There was an increase in titratable acidity and a decrease in pH recorded for the 24 h fermentation period. In this variety, the color of mango pulp slightly changes to yellow shades due to the breakdown of pigments, so this effects the *b value in between the pulp concentrations. Data supports the enrichment of folic acid, which will further support the utilization of beneficial micro-organisms in food beverages.