This study investigates the potential of developing a maritime tourism project within the blue economy of Pakistan and explores the factors influencing blue growth and maritime tourism. A quantitative research approach has been adopted. The research gathered primary data from diverse experts and stakeholders within the maritime sector and related industries. The study’s target population comprised on various entities involved in these sectors. A sample of around 250 individuals was selected using a convenient sampling technique. The collected data underwent analysis using the Statistical Package for the Social Sciences (SPSS) and the Partial Least Square (PLS) method. This approach was chosen to explore and understand the intricate relationships between variables in the context of the maritime industry. Structural Equation Modeling (SEM) and Confirmatory Factor Analysis (CFA) techniques were then employed to scrutinize the data further, allowing for a comprehensive examination of the interconnections among the variables identified in the study. This robust methodological approach enhances the study’s credibility and provides valuable insights into the dynamics of the maritime sector and its associated industries. The findings indicate that a balanced approach, valuing business sustainability, top management support, and enabling innovation structures positively impact blue growth. Additionally, uncertainty avoidance and promoting short-term goals have an appositive impact on the blue economy. Moreover, two potential barriers, Functional strategy, and weak competency, do not significantly affect the blue economy. This study lays the foundation for further exploration and implementation of strategies that promote sustainable growth and development in Pakistan’s blue economy. By integrating the insights gained from this study into policy and decision-making processes, stakeholders can work together to create a vibrant and sustainable maritime tourism sector that benefits both local communities and the environment.

This research explores the intricate relationship between digitalization, economic development, and non-cash payments in the ASEAN-7 countries over a ten-year period from 2011 to 2020. Focusing on factors such as commercial bank branches, broad money, and inflation, the study employs panel data regression analysis to investigate their impact on automated teller machine (ATM) usage. The findings reveal that commercial bank branches significantly influence ATM usage, emphasizing the role of accessibility, services, and technological preferences. Broad money also shows a significant impact on ATM transactions, reflecting the interplay between fund availability and non-cash transactions. However, inflation does not exhibit a direct influence on ATM usage. The research underscores the importance of maintaining service quality and security in the banking sector to enhance digital financial inclusion. Future research opportunities include exploring diverse non-cash payment methods and extending studies to countries with significant global economic impacts. This research contributes valuable insights to policymakers aiming to enhance digital financial inclusion policies, ultimately fostering economic growth through the digital economy in the ASEAN-7 region.

This paper contributes to the understanding of how flexibility in the number of members in a decision-making committee in a multistage project can enhance the accuracy and efficiency of the decisions taken. While most projects typically employ a fixed number of decision makers, the paper demonstrates the advantages of adjusting the committee size according to the project’s varying complexity at different phases of the project. In particular, we show that allowing for flexibility in the size of a committee increases the likelihood of reaching a correct decision under the unanimity rule. We analyze this issue when the decision maker’s competence is independent of the state of nature and when it is not. The results are compared to those under the simple majority rule.

Use of technologies and online presence is now almost inevitable in language learning. The practice of virtual exchanges (VEs) has been receiving a lot of attention among educators at all levels over the past years. This research paper sheds light on 13 VEs carried out in pre-service teacher education in the last six years and proposes its own VE design based on recommendations from the literature with the future perspective of designing a specific VE for the research. The aim of the systematic review was at first to determine the exchange and interaction set-ups and the potential gains in the terms of pre-service teachers’ skills development. Afterwards, we identified areas for improvement and proposed our design of a VE between pre-service teachers of English in Slovakia and Turkey. Some of the expected contributions of the proposed VE design are development of a linguistic and intercultural communicative competence, digital literacy, and other competences relevant for development of VEs.

Amidst the COVID-19 pandemic, the imperative of physical distancing has underscored the necessity for telemedicine solutions. Traditionally, telemedicine systems have operated synchronously, requiring scheduled appointments. This study introduces an innovative telemedicine system integrating Artificial Intelligence (AI) to enable asynchronous communication between physicians and patients, eliminating the need for appointments and providing round-the-clock access from any location. The AI-Telemedicine system was developed utilizing Google Sheets and Google Forms. Patients can receive dietary recommendations from the AI acting as the physician and submit self-reports through the system. Physicians have access to patients’ submitted reports and can adjust AI settings to tailor recommendations accordingly. The AI-Telemedicine system for patients requiring daily dietary recommendations has been successfully developed, meeting all nine system requirements. System privacy and security are ensured through user account access controls within Google Sheets. This AI-Telemedicine system facilitates seamless communication between physicians and patients in situations requiring physical distancing, eliminating the need for appointments. Patients have round-the-clock access to the system, with AI serving as a physician surrogate whenever necessary. This system serves as a potential model for future telemedicine solutions.