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 review provides an overview of the importance of nanoparticles in various fields of science, their classification, synthesis, reinforcements, and applications in numerous areas of interest. Normally nanoparticles are particles having a size of 100 nm or less that would be included in the larger category of nanoparticles. Generally, these materials are either 0-D, 1-D, 2-D, or 3-D. They are classified into groups based on their composition like being organic and inorganic, shapes, and sizes. These nanomaterials are synthesized with the help of top-down bottom and bottom-up methods. In case of plant-based synthesis i.e., the synthesis using plant extracts is non-toxic, making plants the best choice for producing nanoparticles. Several physicochemical characterization techniques are available such as ultraviolet spectrophotometry, Fourier transform infrared spectroscopy, the atomic force microscopy, the scanning electron microscopy, the vibrating specimen magnetometer, the superconducting complex optical device, the energy dispersive X-ray spectrometry, and X-ray photoelectron spectroscopy to investigate the nanomaterials. In the meanwhile, there are some challenges associated with the use of nanoparticles, which need to be addressed for the sustainable environment.

Business organizations use job advertisements to find and attract the high-quality workforce they need. Skillfully crafted job advertisements not only provide job-related information to job seekers but also help develop a strong employer brand in the employee market. Based on signaling theory and person-environment fit theory, we propose that the content and specificity of information provided in job advertisements influence job advertisement effectiveness through various mechanisms. In a scenario-based experiment on 310 young job seekers, we probed the direct and indirect effects of job advertisement informativeness on job pursuit intentions. Using structural equations modelling and multi-group path analysis, the mediating roles of perceived job appropriateness and ad truthfulness, along with the moderating role of previous employment experience, were examined. By manipulating the information content of a hypothetical job advertisement, we demonstrated that: a) both advertisement informativeness and perceived job appropriateness had positive direct effects on application intentions, while the latter had a greater effect; b) perceived job appropriateness mediated the relationship between advertisement informativeness and job pursuit intentions; c) the indirect (mediated) effect of advertisement informativeness on application intentions was moderated by previous employment experience; d) perceived ad truthfulness did not exert any significant effect on application intentions. These findings imply that HR practitioners should provide specific information in job postings to help candidates, especially those with less work experience, evaluate how well the job suits them and increase their motivation to apply.

Poly(methyl methacrylate) (PMMA) is a versatile and widely used polymer that has gained significant attention in various industries due to its unique combination of properties and ease of processing. PMMA, also known as acrylic or plexiglass, is a transparent thermoplastic with exceptional optical clarity, high-impact resistance, and excellent weatherability. This scholarly article endeavors to offer an exhaustive examination of the composition, characteristics, and broad utilization of poly(methyl methacrylate) (PMMA). This study aims to conduct an in-depth analysis of the molecular composition and chemical attributes inherent to PMMA. Furthermore, it intends to examine the mechanical and physical attributes exhibited by PMMA meticulously. Additionally, an exploration of varied methodologies employed in the processing and fabrication of PMMA will be undertaken. The extensive array of applications of PMMA spanning multiple industries will be underscored, followed by a comprehensive discourse on its merits, constraints, contemporary advancements, and prospective avenues. Understanding the properties and applications of PMMA is crucial for engineers, scientists, and professionals working in fields such as automotive, aerospace, medical, and signage, where PMMA finds extensive use.

In recent times, there has been a surge of interest in the transformative potential of artificial intelligence (AI), particularly within the realm of online advertising. This research focuses on the critical examination of AI’s role in enhancing customer experience (CX) across diverse business applications. The aim is to identify key themes, assess the impact of AI-powered CX initiatives, and highlight directions for future research. Employing a systematic and comprehensive approach, the study analyzes academic publications, industry reports, and case studies to extract theoretical frameworks, empirical findings, and practical insights. The findings underscore a significant transformation catalyzed by AI integration into Customer Relationship Management (CRM). AI enables personalized interactions, fortifies customer engagement through interactive agents, provides data-driven insights, and empowers informed decision-making throughout the customer journey. Four central themes emerge: personalized service, enhanced engagement, data-driven strategy, and intelligent decision-making. However, challenges such as data privacy concerns, ethical considerations, and potential negative experiences with poorly implemented AI persist. This article contributes significantly to the discourse on AI in CRM by synthesizing the current state, exploring key themes, and suggesting research avenues. It advocates for responsible AI implementation, emphasizing ethical considerations and guiding organizations in navigating opportunities and challenges.