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.

The growth of buildings in big cities necessitates Design Review (DR) to ensure good urban planning. Design Review involves the city community in various forms; however, community participation remains very limited or even non-existent. There are indications that the community has not been involved in the Design Review process. Currently, DR tends to involve only experts and local government, without including the community. Therefore, this research aimed to analyze the extent of opportunities for community participation by exploring DR analysis in developed countries and related policies. In-depth interviews were also carried out with experts and Jakarta was selected as a case study since the city possessed the most intensive development. The results showed that the implementation of DR did not consider community participation. A constructivist paradigm was also applied with qualitative interpretive method by interpreting DR data and community participation. The strategy selected was a case study and library research adopted by examining theories from related literature. Additionally, the data was collected by reconstructing different sources such as books, journals, existing research, and secondary data from related agencies. Content and descriptive analysis methods were also used, where literature obtained from various references was analyzed to support research propositions and ideas.

Piano sight-reading competency, which is highly important for an aspiring musician who needs to face diverse musical problems, is an integral part of becoming a smooth performer. The aims of this systematic literature review concerning piano sight-reading pedagogy approaches between 2019 and 2024 are to determine the strengths and weaknesses of the peer-reviewed literature. The article examines cognitive, behavioral, and technological methods and tools of enhancing learning outcomes, based on the concept of cognitive load, constructivism, and behaviorist perspective. The cognitive strategies highlight the role of hand-eye coordination, short-term memory, and visual process; while the behavioral ones emphasize the importance of daily practice and feedback from the teacher. Emerging technologies, like VR and AI-driven platforms, are redefining education and offering unique ways of learning and forgetting. While achievements of the past are notable, challenges such as access and efficacious long-term approaches remain. The next step of research should be to focus on sustainable teaching methods and international perspectives to achieve homogeneous and effective sight-reading teaching worldwide. This essay provides an overview of integrated and adaptable teaching strategies that combine both traditional and modern tools for the development of versatile and confident musicians’ skills.

Adult obesity is a significant health problem, with nearly a quarter of Hungarian citizens aged 15 years and older being obese in 2019 (KSH, 2019a). The use of mobile devices for health purposes is increasing, and many m-health apps target weight-related behaviours. This study uniquely examines the effectiveness and user satisfaction of health-oriented apps among Hungarian adults, with a focus on health improvement. Using a mixed-methods approach, the study identifies six key determinants of health improvement and refines measurement tools by modifying existing parameters and introducing new constructs. The principal objective was to develop a measurement instrument for the usability of nutrition, relaxation and health promotion applications. The research comprised three phases: (1) qualitative content analysis of 13 app reviews conducted in June 2022; (2) focus group interviews involving 32 students from the fields of business, economics and health management; and (3) an online survey (n = 348 users) conducted in December 2023 that included Strava (105 users), Yazio (109 users) and Calm (134 users). Six factors were identified as determinants of health improvement: physical activity, diet, weight loss, general well-being, progress, and body knowledge. The LAUQ (Lifestyle Application Usability Questionnaire) scale was validated, including ‘ease of use’ (5 items), ‘interface and satisfaction’ (7 items) and ‘modified usefulness and effectiveness’ (9 items), with modifications based on qualitative findings. This research offers valuable insights into the factors influencing health improvement and user satisfaction with healthy lifestyle-oriented applications. It also contributes to the refinement of measurement tools such as the LAUQ, which will inform future studies in health psychology, digital health, and behavioural economics.