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.

The goal of the project is to investigate and discover tree species abundant in the Mekong Delta Vietnam, and find out species to develop land in southern coastal of Vietnam and based on research to applicated for food and medicinal on part of forest trees. Mekong Delta a amount of alluvium sediments flows from upstream China to Vietnam by the river branches, then get out the Sea. This sediments accumulated gradually elevation the new land. The coastal where mangrove forests with a rich ecosystem of plants and animals. Over time, these forests change, with different plant species succeeding each other. This aims of this study to finding plant species, classification of forest types based on ecological regions, assessement the biodiversity of tree species, and compare the abundance communities, measuring the growth of the forest in these regions. In 2023, a comprehensive survey was conducted by using a systematic approach. Research content and methods. The content is to investigate the situation of woody plant species in mangrove forests in sub-regions with different ecological characteristics. The number of survey plots have done depend on the density of the forest, Base on the width of the forest range, the number of survey plots in sub region set up from 10 to 15 plots. In total, 68 plots have done established in the erea, the area of plot is 100 square meters (10 m x 10 m). Using the statistical software in forestry to survey and analysis data. The results of research is to find the number of species in each ecological region and growth situation, in which the important thing is to evaluate the adaptation of species in each sub-region to propose wich species to choose as the main species in aforestation the fastest land on sea. The result provided a complete picture of the tree species composition, distribution, and community structure characteristics in each ecological sub-region. The result of survey showed in the sub-region one is seven species. In the sub region two is eleven species. In the sub region three is eight species. In the region four is ten species. The total species of the mangrove forest in the Western Mekong Delta have 16 species from 11 plant families have been identified. Among these species have 6 dominant species include Avicennia oficinali),Avicennia alba, Rhizophora apiculata, Excoecaria agallocha, Someratia caseolaris, and Bruguiera yipamoriza. From the investigation have been found two species grow on the best on new land were Avicennia officinalis and Avicennia alba this findings show they can develope on the original new land for the shore of the Western Mekong Delta. The survey results also calculated the average of the height, diameter (D1.3), canopy, health of the nature mangrove tree for each sub region and total region. From these results showed the division of foresty structure, the structure of height, diameter (D1.3), canopy, heathy of the sub region and total region in the Western Mekong Delta. Suggestions after discovering during the investigation that there are Avicennia officinalis and Avicennia alba are two species that can implement development plants to expand natural land by planting on suitable sea surface areas for Mekong Delta of Vietnam. In addition, referring to research documents on these adapted species can exploit food and medicinal herbs in discovering the level biodiversity distribution abundance of these species. This finding can help Vietnam by mearsures using the species Aviecennia be discovered will promote sea reclamation faster instead of letting the natural law of sea reclamation follow.

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 study explores the role of intercultural communicative competence (ICC) and STEM education in building the soft infrastructure necessary for economic development within Kazakhstan’s transforming education system. The authors conducted an interdisciplinary analysis, emphasizing the cognitive and communicative aspects of foreign language education in secondary schools, proposing a model for integrating ICC through the use of information and analytical technologies. The research focuses on personalized education, teacher competencies, and student engagement, with experimental methods applied in a Karaganda-based school. The study aims to identify mechanisms and principles that enhance ICC development, contributing to Kazakhstan’s modernization efforts in fostering globally competitive graduates prepared for the demands of the international arena. This research lays the foundation for further practical experimentation in profiled schools, aligning education with national development goals.