The integration of chatbots in the financial sector has significantly improved customer service processes, providing efficient solutions for query management and problem resolution. These automated systems have proven to be valuable tools in enhancing operational efficiency and customer satisfaction in financial institutions. This study aims to conduct a systematic literature review on the impact of chatbots in customer service within the financial sector. A review of 61 relevant publications from 2018 to 2024 was conducted. Articles were selected from databases such as Scopus, IEEE Xplore, ARDI, Web of Science, and ProQuest. The findings highlight that efficiency and customer satisfaction are central to the perception of service quality, aligning with the automation of the user experience. The bibliometric analysis reveals a predominance of publications from countries such as India, Germany, and Australia, underscoring the academic and practical relevance of the topic. Additionally, essential thematic terms such as “artificial intelligence” and “advanced automation” were identified, reflecting technological evolution in this field. This study provides significant insights for future theoretical, practical, and managerial developments, offering a framework to optimize chatbot implementation in highly regulated environments.

Introduction: Chest trauma has a high incidence and pneumothorax is the most frequent finding. The literature is scarce on what to do with asymptomatic patients with pneumothorax due to penetrating chest trauma. The aim of this study was to evaluate what are the findings of the control radiography of patients with penetrating chest trauma who are not initially taken to surgery, and their usefulness in determining the need for further treatment. Methods: A retrospective cohort study was performed, including patients older than 15 years who were admitted for penetrating chest trauma between January 2015 and December 2017 and who did not require initial surgical management. We analyzed the results of chest radiography, the time of its acquisition, and the behavior decided according to the findings in patients initially left under observation. Results: A total of 1,554 patients were included, whose average age was 30 years, 92.5% were male and 97% had a sharp weapon wound. Of these, 186 (51.5%) had no alterations in their initial X-ray, 142 had pneumothorax less than 30% and 33 had pneumothorax greater than 30 %, hemopneumothorax or hemothorax. Closed thoracostomy was required as the final procedure in 78 cases, sternotomy or thoracotomy in 2 cases and discharged in 281. Conclusion: In asymptomatic patients with small or moderate pneumothorax and no other significant lesions, longer observation times, radiographs and closed thoracostomy may be unnecessary.

Land use changes have been demonstrated to exert a significant influence on urban planning and sustainable development, particularly in regions undergoing rapid urbanization. Tehran Province, as the political and economic capital of Iran, has undergone substantial growth in recent decades. The present study employs sophisticated Geographic Information System (GIS) instruments and the Google Earth Engine (GEE) platform to comprehensively track and analyze land use change over the past two decades. A comprehensive analysis of Landsat images of the Tehran metropolitan area from 2003 to 2023 has yielded significant insights into the patterns of land use change. The methodology encompasses the utilization of GIS, GEE, and TerrSet techniques for image classification, accuracy assessment, and change detection. The Kappa coefficients for the maps obtained for 2016 and 2023 were 0.82 and 0.87 for four classes: built-up, vegetation cover, barren land, and water bodies. The findings suggest that, over the past two decades, Tehran Province has undergone a substantial decline in ecological and vegetative areas, amounting to 2.4% (458.3 km²). Concurrently, the urban area and the barren lands have expanded by 287.5 and 125.5 km², respectively. The increase in water bodies during this period is likely attributable to the reduction of vegetation cover and dam construction in the region. The present study demonstrates that remote sensing and GIS are excellent tools for monitoring environmental and sustainable urban development in areas experiencing rapid urbanization and land use changes.

For centuries, stem cuttings harvested from sexually mature trees have been recognized to be more difficult to root than those from juvenile shoots. This has been poorly understood and attributed to a combination of ontogenetic and physiological ageing. The recent suggestion that micro-RNA may play a key role in phase change has stimulated a re-examination of some old data that identified pre-severance light x nutrient interactions affecting the rooting ability of stem cuttings. This was linked to vigorous growth and active photosynthesis without constraint from accumulated starch. Support for the prime importance of physiological factors was also obtained when seeking to induce physiological youth in the crowns of ontogenetically mature trees by the induction of roots within the tree crown. Meanwhile, at the other end of the phase change spectrum, floral initiation occurred when the opposite set of environmental conditions prevailed so that growth was stunted, and carbohydrates accumulated in leaves and stems. A re-examination of this literature suggests that rooting ability is driven at the level of an individual leaf and internode emerging from the terminal bud affecting both morphological and physiological activity. In contrast, flowering occurs when internode elongation and assimilate mobilization were hindered. It is therefore suggested that the concepts of juvenility and ageing are not relevant to vegetative propagation and should instead be replaced by physiological and morphological ‘fitness’ to root.

The direct expansion heat pump with solar energy is an energy conversion system used for water heating applications, air heating for air conditioning buildings, water desalination, solar drying, among others. This paper reviews the main designs and analysis of experiments in order to identify the fundamental objectives of any experiment which may be: to determine the factors that have a significant influence, to obtain a mathematical model and/or to optimize performance. To achieve this task, the basic and advanced configuration of this system is described in detail in order to characterize its thermal performance by means of energy analysis and/or exergy-based analysis. This review identifies possible lines of research in the area of design and analysis of experiments to develop this water heating technology for industrial applications.

We investigate the impact on intertemporal distribution caused by a change of policy from tax to deficit financing of public investment, using a simple theoretical framework which combines the one-period McGuire-Olson economy with the conventional long-run Solow economy. This theoretical framework provides a simple way to highlight some significant interdependencies between private and public investments as well as the negative impact of taxation on aggregate productivity, and to trace some possible transmission mechanisms between deficit financing policies and the long-run path of consumption per head. The main tentative (theoretical) result is that although under fairly acceptable assumptions the likely impact of a deficit financing policy is to benefit the present at the expense of the future, under equally acceptable assumptions concerning the possibility of an excessive macro private saving–investment propensity, and/or of a significant productivity loss due to the excess burden of taxation, the adverse intertemporal distributional impact of deficit financing might become negligible, or even disappear altogether.