This research explores the factors influencing consumers’ intentions and behaviors toward purchasing green products in two culturally and economically distinct countries, Saudi Arabia and Pakistan. Drawing on Ajzen’s Theory of Planned Behavior (TPB), the study examines the roles of altruistic and egoistic motivations, alongside environmental knowledge, in shaping green consumer behavior. Altruistic motivation, driven by concern for societal well-being and environmental sustainability, is found to have a stronger impact on green purchase intention and behavior in both countries, particularly in Pakistan. Egoistic motivation, which focuses on personal benefits like health and cost savings, also contributes but with a lesser influence. The research employs a cross-sectional survey design, collecting data from 1000 respondents (500 from each country) using a stratified random sampling technique. The collected data were analyzed using structural equation modeling (SEM) to examine the relationships between variables and test the moderating effects of environmental knowledge. The results reveal that environmental knowledge significantly moderates the effect of both altruistic and egoistic motivations on green purchase intention, enhancing the likelihood of eco-friendly consumption. These findings underscore the importance of environmental education in promoting sustainable consumer behavior. The originality of this study lies in its comparative analysis of green consumerism in two distinct contexts and its exploration of motivational factors through the TPB framework. Practical implications suggest that policymakers and marketers can develop strategies that appeal to both altruistic and egoistic drivers while enhancing consumer knowledge of environmental issues. The study contributes to the literature by expanding TPB to include the moderating role of environmental knowledge in understanding green consumption behavior across diverse cultures.

Financial literacy is an essential life skill today and plays a crucial role in business success. This study examined the relationship between college students’ financial literacy, financial management behavior, and entrepreneurial opportunity recognition. A survey was conducted among college students in the Busan and Gyeongnam regions, and a total of 272 responses were analyzed using SPSS 28.0. The results showed that financial literacy partially positively affects financial management behavior. Furthermore, financial management behavior positively influences entrepreneurial opportunity recognition. Financial management behavior partially mediates the relationship between financial literacy and entrepreneurial opportunity recognition. Improving the financial literacy of college students during adolescence serves as a motivation for entrepreneurship and significantly impacts their exploration and practice of various income activities to achieve their expected future living standards. The study’s findings indicate that for potential entrepreneurs, recognizing and promoting entrepreneurship as a source of innovation and growth requires incorporating financial literacy and desirable financial management behavior education into university curricula.

Communication is considered to be significant to universities: provide students updated information to make appropriate choices and decisions during their learning process; and promptly feedback to contribute to building a better educational and training environment; improve institutional governance efficiency. Communication tools used in universities are diverse in forms and contents. This study focuses on two popular forms, which are policy communication (communication of policies and laws on higher education) and internal communication (communication about professional activities and community activities of the university). The theoretical framework has been developed and a survey was conducted to collect opinions of 450 students from many universities representing 3 regions of Vietnam, including: Vietnam National University, Hanoi (VNU) (Northern region); The University of Danang (UD) (Central region); Vietnam National University, Ho Chi Minh City (VNU-HCM) (Southern region). The results show that the policy communications of these universities are not effectively implemented. The findings suggest innovations for managers to improve communication effectiveness and governance efficiency in these higher education institutions.

Amidst an upsurge in the quantity of delinquent loans, the financial industry is experiencing a fundamental transformation in the approaches utilised for debt recovery. The debt collection process is presently undergoing automation and improvement through the utilisation of Artificial Intelligence (AI), an emergent technology that holds the potential to revolutionise this sector. By leveraging machine learning, natural language processing, and predictive analytics, automated debt recovery systems analyse vast quantities of data, generate forecasts regarding the likelihood of recovery, and streamline operational processes. Debt collection systems powered by AI are anticipated to be compliant, precise, and effective. On the other hand, conventional approaches are linked to increasing expenditures and inefficiencies in operations. These solutions facilitate efficient resource allocation, customised communication, and rapid data analysis, all while minimising the need for human intervention. Significant progress has been made in data analytics, predictive modelling, and decision-making through the application of artificial intelligence (AI) in debt recovery; this has the potential to revolutionize the financial sector’s approach to debt management. The findings of the research underscore the criticality of artificial intelligence (AI) in attaining efficacy and precision, in addition to the imperative of a data-centric framework to fundamentally reshape approaches to debt collection. In conclusion, artificial intelligence possesses the capacity to profoundly transform the existing approaches utilized in debt management, thereby guaranteeing financial institutions’ sustained profitability and efficacy. The application of machine learning methodologies, including predictive modelling and logistic regression, signifies the potential of the system.

In today’s digital education landscape, safeguarding the privacy and security of educational data, particularly the distribution of grades, is paramount. This research presents the “secure grade distribution scheme (SGDS)”, a comprehensive solution designed to address critical aspects of key management, encryption, secure communication, and data privacy. The scheme’s heart lies in its careful key management strategy, offering a structured approach to key generation, rotation, and secure storage. Hardware security modules (HSMs) are central to fortifying encryption keys and ensuring the highest security standards. The advanced encryption standard (AES) is employed to encrypt graded data, guaranteeing the confidentiality and integrity of information during transmission and storage. The scheme integrates the Diffie-Hellman key exchange protocol to establish secure communication, enabling users to securely exchange encryption keys without vulnerability to eavesdropping or interception. Secure communication channels further fortify graded data protection, ensuring data integrity in transit. The research findings underscore the SGDS’s efficacy in achieving the goals of secure grade distribution and data privacy. The scheme provides a holistic approach to safeguarding educational data, ensuring the confidentiality of sensitive information, and protecting against unauthorized access. Future research opportunities may centre on enhancing the scheme’s robustness and scalability in diverse educational settings.

The intensification of urbanization worldwide, particularly in China, has led to significant challenges in maintaining sustainable urban environments, primarily due to the Urban Heat Island (UHI) effect. This effect exacerbates urban thermal stress, leading to increased energy consumption, poor air quality, and heightened health risks. In response, urban green spaces are recognized for their role in ameliorating urban heat and enhancing environmental resilience. This paper has studied the microclimate regulation effects of three representative classical gardens in Suzhou—the Humble Administrator's Garden, the Lingering Garden and the Canglang Pavilion. It aims to explore the specific impacts of water bodies, vegetation and architectural features on the air temperature and relative humidity within the gardens. With the help of Geographic Information System (GIS) technology and the Inverse Distance Weighted (IDW) spatial interpolation method, this study has analyzed the microclimate regulation mechanisms in the designs of these traditional gardens. The results show that water bodies and lush vegetation have significant effects on reducing temperature and increasing humidity, while the architectural structures and rocks have affected the distribution and retention of heat to some extent. These findings not only enrich our understanding of the role of the design principles of classical gardens in climate adaptability but also provide important theoretical basis and practical guidance for the design of modern urban parks and the planning of sustainable urban environments. In addition, the study highlights GIS-based spatial interpolation as a valuable tool for visualizing and optimizing thermal comfort in urban landscapes, providing insights for developing resilient urban green spaces.