Credit risk assessment is one of the most important aspects of financial decision-making processes. This study presents a systematic review of the literature on the application of Artificial Intelligence (AI) and Machine Learning (ML) techniques in credit risk assessment, offering insights into methodologies, outcomes, and prevalent analysis techniques. Covering studies from diverse regions and countries, the review focuses on AI/ML-based credit risk assessment from consumer and corporate perspectives. Employing the PRISMA framework, Antecedents, Decisions, and Outcomes (ADO) framework and stringent inclusion criteria, the review analyses geographic focus, methodologies, results, and analytical techniques. It examines a wide array of datasets and approaches, from traditional statistical methods to advanced AI/ML and deep learning techniques, emphasizing their impact on improving lending practices and ensuring fairness for borrowers. The discussion section critically evaluates the contributions and limitations of existing research papers, providing novel insights and comprehensive coverage. This review highlights the international scope of research in this field, with contributions from various countries providing diverse perspectives. This systematic review enhances understanding of the evolving landscape of credit risk assessment and offers valuable insights into the application, challenges, and opportunities of AI and ML in this critical financial domain. By comparing findings with existing survey papers, this review identifies novel insights and contributions, making it a valuable resource for researchers, practitioners, and policymakers in the financial industry.

This study examines how Artificial Intelligence (AI) enhances Sharia compliance within Islamic Financial Institutions (IFIs) by improving operational efficiency, ensuring transparency, and addressing ethical and technical challenges. A quantitative survey across five Saudi regions resulted in 450 validated responses, analyzed using descriptive statistics, ANOVA, and regression models. The findings reveal that while AI significantly enhances transparency and compliance processes, its impact on operational efficiency is limited. Key barriers include high implementation costs, insufficient structured Sharia datasets, and integration complexities. Regional and professional differences further underscore the need for tailored adoption strategies. It introduces a novel framework integrating ethical governance, Sharia compliance, and operational scalability, addressing critical gaps in the literature. It offers actionable recommendations for AI adoption in Islamic finance and contributes to the global discourse on ethical AI practices. However, the Saudi-specific focus highlights regional dynamics that may limit broader applicability. Future research could extend these findings through cross-regional comparisons to validate and refine the proposed framework. By fostering transparency and ethical governance, AI integration aligns Islamic finance with socio-economic goals, enhancing stakeholder trust and financial inclusivity. The study emphasizes the need for targeted AI training, the development of structured Sharia datasets, and scalable solutions to overcome adoption challenges.

Artificial intelligence (AI) has rapidly evolved, transforming industries and addressing societal challenges across sectors such as healthcare and education. This study provides a state-of-the-art overview of AI research up to 2023 through a bibliometric analysis of the 50 most influential papers, identified using Scopus citation metrics. The selected works, averaging 74 citations each, encompass original research, reviews, and editorials, demonstrating a diversity of impactful contributions. Over 300 contributing authors and significant international collaboration highlight AI’s global and multidisciplinary nature. Our analysis reveals that research is concentrated in core journals, as described by Bradford’s Law, with leading contributions from institutions in the United States, China, Canada, the United Kingdom, and Australia. Trends in authorship underscore the growing role of generative AI systems in advancing knowledge dissemination. The findings illustrate AI’s transformative potential in practical applications, such as enabling early disease detection and precision medicine in healthcare and fostering adaptive learning systems and accessibility in education. By examining the dynamics of collaboration, geographic productivity, and institutional influence, this study sheds light on the innovation drivers shaping the AI field. The results emphasize the need for responsible AI development to maximize societal benefits and mitigate risks. This research provides an evidence-based understanding of AI’s progress and sets the stage for future advancements. It aims to inform stakeholders and contribute to the ongoing scientific discourse, offering insights into AI’s impact at a time of unprecedented global interest and investment.

This paper uses existing studies to explore how Artificial Intelligence (AI) advancements enhance recruitment, retention, and the effective management of a diverse workforce in South Africa. The extensive literature review revealed key themes used to contextualize the study. This study uses a meta-narrative approach to literature to review, critique and express what the literature says about the role of AI in talent recruitment, retention and diversity mapping within South Africa. An unobtrusive research technique, documentary analysis, is used to analyze literature. The findings reveal that South Africa’s Human Resource Management (HRM) landscape, marked by a combination of approaches, provides an opportunity to cultivate alternative methods attuned to contextual conditions in the global South. Consequently, adopting AI in recruiting, retaining, and managing a diverse workforce demands a critical examination of the colonial/apartheid past, integrating contemporary realities to explore the potential infusion of contextually relevant AI innovations in managing South Africa’s workforce.

This study conducts a systematic literature review to analyze the integration of artificial intelligence (AI) within business excellence frameworks. An analysis of the findings in the reviewed articles yielded five major themes: AI technologies and intelligent systems; impact of AI on business operations, strategies, and models; AI-driven decision-making in infrastructure and policy contexts; new forms of innovation and competitiveness; and the impact of AI on organizational performance and value creation in infrastructure projects. The findings provide a comprehensive understanding of how AI can be integrated into organizational excellence emerged frameworks to address challenges in infrastructure governance, and sustainable development. Key questions addressed include: how AI affects consumer behavior and marketing strategies. What AI’s capabilities for businesses, especially marketing and digital strategies? How can organizations address the drivers and barriers to help make better use of AI in these business operations? Should organizations even do anything with these insights? These questions and more will be tackled throughout this discussion. This paper attempts to derive a comprehensive conceptual framework from several fields of human resources, operational excellence, and digital transformation, that can help guide organizations and policymakers in embedding AI into infrastructure and development initiatives. This framework will help practitioners navigate the complexities of AI integration, ensuring profitability and sustainable growth in a highly competitive landscape. By bridging the gap between AI technologies and development-related policy initiatives, this research contributes to the advancement of infrastructure governance, public management, and sustainable development.

This study comprehensively evaluates the system performance by considering the thermodynamic and exergy analysis of hydrogen production by the water electrolysis method. Energy inputs, hydrogen and oxygen production capacities, exergy balance, and losses of the electrolyzer system were examined in detail. In the study, most of the energy losses are due to heat losses and electrochemical conversion processes. It has also been observed that increased electrical input increases the production of hydrogen and oxygen, but after a certain point, the rate of efficiency increase slows down. According to the exergy analysis, it was determined that the largest energy input of the system was electricity, hydrogen stood out as the main product, and oxygen and exergy losses were important factors affecting the system performance. The results, in line with other studies in the literature, show that the integration of advanced materials, low-resistance electrodes, heat recovery systems, and renewable energy is critical to increasing the efficiency of electrolyzer systems and minimizing energy losses. The modeling results reveal that machine learning programs have significant potential to achieve high accuracy in electrolysis performance estimation and process view. This study aims to contribute to the production of growth generation technologies and will shed light on global and technological regional decision-making for sustainable energy policies as it expands.