This study investigates the evolution of monetary policy in Ghana and explores the potential of Central Bank Digital Currencies (CBDCs), specifically the e-Cedi, as a tool to enhance financial inclusion and modernize the country’s financial system. Ghana’s monetary policy framework has undergone significant transformations since the establishment of the Bank of Ghana in 1957, with notable achievements in stabilizing the economy and managing inflation. However, large segments of the population, particularly in rural areas, remain unbanked or underbanked, highlighting the limitations of traditional monetary tools. The introduction of the e-Cedi presents an opportunity to bridge these gaps by providing secure, efficient, and accessible financial services to underserved communities. The study employs a qualitative research design, integrating historical analysis, case studies, and thematic analysis to assess the potential benefits and challenges of CBDCs in Ghana. Key findings indicate that while the e-Cedi could significantly enhance financial inclusion, challenges related to technological infrastructure, cybersecurity, and public trust must be addressed. The study concludes that a balanced approach, which prioritizes digital infrastructure development, strong cybersecurity measures, and collaboration with financial institutions, is essential for maximizing the potential of CBDCs in Ghana. Recommendations for future research include a deeper exploration of the impact of CBDCs on financial stability and further analysis of rural adoption barriers.

The central government of China has intensively guided regional integration and policy coordination towards the development of digital governance in the last ten years. The Guangdong-Hong Kong-Macao Greater Bay was one of the most important regions of China expected to accelerate regional development through policy coordination and establishment of digital infrastructures. This article adopted the method of content analysis to explore the policy transitions of digital governance in the Greater Bay including policy contents (in terms of policy objectives and instruments) and policy networks. Based on our empirical analysis, we found that top-down guidance from the central government did not necessarily generate regional coordination. Different governments of the same region could start policy coordination from shared policy objectives and policy instruments and establish innovative governance frameworks to achieve consensus. Therefore, regional coordination could be fulfilled.

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.

Facing the digital economy era, considerable attention is paid to the importance of understanding the fundamental impact on the information and development of blended teaching methods regarding the higher education. For this reason, the purpose of this study is to answer the challenges brought by the digital economy era, identify the effective teaching methods which would be used in English Correspondence course in the era of digital economy, aiming to form the patterns of learning, provide high motivation, strength and knowledge, and most importantly contribute to the complex competences of future working. For further research, it is expected to be able to prove that using the blended teaching methods will effectively improve students’ communication skills and learning efficiency, enhance students’ learning experience and critical thinking skills.

This contribution aims to appraise, analyze and evaluate the literature relating to the interaction of electromagnetic fields (EMF) with matter and the resulting thermal effects. This relates to the wanted thermal effects via the application of fields as well as those uninvited resulting from exposure to the field. In the paper, the most popular EMF heating technologies are analyzed. This involves on the one hand high frequency induction heating (HFIH) and on the other hand microwave heating (MWH), including microwave ovens and hyperthermia medical treatment. Then, the problem of EMF exposure is examined and the resulting biological thermal effects are illuminated. Thus, the two most common cases of wireless EMF devices, namely digital communication tools and inductive power transfer appliances are analyzed and evaluated. The last part of the paper concerns the determination of the different thermal effects, which are studied and discussed, by considering the governing EMF and heat transfer (or bio heat) equations and their solution methodologies.