The significance of financial literacy is garnering worldwide attention across all age groups. Financial literacy has been defined by certain scholars as a necessary skill for individuals to possess in order to effectively navigate their future financial endeavors. The aim of this article is to perform a bibliometric analysis and systematic literature review in order to investigate the present corpus of scholarship on the application of Financial Literacy. The present study entailed a comprehensive analysis of existing research papers to ascertain the principal contributors to this specific domain, noteworthy subthemes, and prospective directions for further investigation. There has been a noticeable rise in the quantity of literature pertaining to this topic during the period spanning from 2020 to 2023. Furthermore, the utilization of network analysis was employed to chart research clusters. The aforementioned discovery yielded a cumulative total of 84 scholarly publications. The findings of the analysis indicate that there exists a gap in the comprehensive research of the keywords “Financial Behavior”, “Financial Attitude”, and “Financial Inclusion”.

This study investigated the utilization of Artificial Intelligence (AI) in the Recruitment and Selection Process and its effect on the Efficiency of Human Resource Management (HRM) and on the Effectiveness of Organizational Development (OD) in Jordanian commercial banks. The research aimed to provide solutions to reduce the cost, time, and effort spent in the process of HRM and to increase OD Effectiveness. The research model was developed based on comprehensive review of existing literature on the subject. The population of this study comprised HR Managers and Employees across all commercial banks in Jordan, and a census method was employed to gather 177 responses. Data analysis was conducted using Amos and SPSS software packages. The findings show a statistically significant positive impact of AI adoption in the Recruitment and Selection Process on HR Efficiency, which in turn positively impacted OD Effectiveness. Additionally, the study indicated that the ease-of-use of AI technologies played a positive moderating role in the relationship between the Recruitment and Selection Process through AI and HR Efficiency. This study concludes that implementing AI tools in Recruitment is vital through improving HR Efficiency and Organization Effectiveness.

The modification of the Turia River’s course in the 1960s marked a pivotal transformation in Valencia’s urban landscape, evolving from a flood protection measure into a hallmark of sustainable urban development. However, recent rainfalls and flooding events produced directly by the phenomenon known as DANA ((Isolated Depression at High Levels) in October 2024 have exposed vulnerabilities in the infrastructure, particularly in the rapidly urbanized southern areas, raising questions about the effectiveness of past solutions in the context of climate change and urban expansion. As a result of this fragility, more than 200 deaths have occurred, along with material losses in 87 municipalities, whose industrial infrastructure accounts for nearly one-third of the economic activity in the Province of Valencia, valued at 479.6 million euros. This paper presents, for the first time, a historical-document-based approach to evaluate the successes and shortcomings of Valencia’s flood management strategies through policy and spatial planning analysis. Also, this paper remarks the ongoing challenges and potential strategies for enhancing Valencia’s urban resilience, emphasizing the need for innovative water management systems, improved drainage infrastructure, and the renaturalization of flood-prone areas. The lessons learned from Valencia’s experience in 1957 and 2024 can inform future urban planning efforts in similar contexts facing the dual pressures of environmental change and urbanization.

Investment growth in many emerging market and developing economies (EMDEs) has slowed sharply since 2010. Investment growth performance has varied significantly across different regions, however. This paper examines the evolution of investment growth in six EMDE regions, documents remaining investment needs, especially for infrastructure, and presents a set of region-specific policy responses to address these needs. It reports three main findings. First, investment growth has been particularly weak in EMDE regions hosting a large number of commodity exporters. In regions with a substantial number of commodity-importing economies, investment growth has been somewhat resilient but has also declined steadily since 2010. Second, sizable investment needs remain in most EMDE regions to make room for expanding economic activity and rapid urbanization. A large portion of these investment needs is in infrastructure and human capital. Finally, while specific policy priorities vary across regions, several policy options to address remaining investment needs apply universally. These include more, and more efficient, public investment and measures to improve overall growth prospects and the business climate. Improved project selection and monitoring, as well as better governance, may enhance the efficiency and benefits from public investment.

The present research is on the propagation of Rayleigh waves in a homogenous thermoelastic solid half-space by considering the compact form of six different theories of thermoelasticity. The medium is subjected to an insulated boundary surface that is free from normal stress, tangential stress, and a temperature gradient normal to the surface. After developing a mathematical model, a dispersion equation is obtained with irrational terms. To apply the algebraic method, this equation must be converted into a rational polynomial equation. From this, only those roots are filtered out, which has satisfied both of the above equations for the propagation of waves decaying with depth. With the help of these roots, different characteristics are computed numerically, like phase velocity, attenuation coefficient, and path of particles. Various particular cases are compared graphically by using phase velocity and attenuation coefficient. The elliptic path of surface particles in Rayleigh wave propagation is also presented for the different theories using physical constants of copper material for different depths and thermal conductivity.

The characteristics of agricultural products are influenced by the ecosystem, from the perspective of biotic and abiotic factors, which produce in the plant physiological responses and in turn in the fruit unique physicochemical properties, which are the basis for designations of origin and strategies to add value to the product in the current market. In the present work, ten cocoa materials (Theobroma cacao L.) were selected for their outstanding productivity (FSV41, FLE3, FEAR5, FSA12, FEC2, SCC23, SCC80, SCC55, ICS95 and CCN51), which were established in the departments of Santander (931 m a.s.l.), Huila (931 m a.s.l.), Huila (931 m a.s.l.), Huila (931 m a.s.l.), Huila (931 m a.s.l.), Huila (931 m a.s.l.) and Huila (931 m a.s.l.). These were established in the departments of Santander (931 m a.s.l.), Huila (885 m a.s.l.) and Arauca (204 m a.s.l.), the main cocoa-producing areas in Colombia. For the evaluation of the physical characteristics of the collected materials, 21 quantitative descriptors were used to determine the physical variability of the fruit according to clone and place of collection. The data collected were analyzed by means of Pearson’s correlation matrix and principal component analysis, it was possible to identify those descriptors that contribute most to the variability among materials (ear index, diameter length ratio, seed weight and diameter, and fruit weight and length). In addition, it was possible to verify the effect of the place of harvest on the physical characteristics of the materials, high-lighting the importance of the adaptation study prior to the planting of the cocoa material, with the objective of guaranteeing a premium, productive and quality cocoa crop for the industry, which is competitive in the market.