This study evaluated the performance of several machine learning classifiers—Decision Tree, Random Forest, Logistic Regression, Gradient Boosting, SVM, KNN, and Naive Bayes—for adaptability classification in online and onsite learning environments. Decision Tree and Random Forest models achieved the highest accuracy of 0.833, with balanced precision, recall, and F1-scores, indicating strong, overall performance. In contrast, Naive Bayes, while having the lowest accuracy (0.625), exhibited high recall, making it potentially useful for identifying adaptable students despite lower precision. SHAP (SHapley Additive exPlanations) analysis further identified the most influential features on adaptability classification. IT Resources at the University emerged as the primary factor affecting adaptability, followed by Digital Tools Exposure and Class Scheduling Flexibility. Additionally, Psychological Readiness for Change and Technical Support Availability were impactful, underscoring their importance in engaging students in online learning. These findings illustrate the significance of IT infrastructure and flexible scheduling in fostering adaptability, with implications for enhancing online learning experiences.

This study aimed to determine the socio-economic poverty status of those living in rural areas using data surveys obtained from household expenditure and income. Machine learning-based classification and clustering models were proven to provide an overview of efforts to determine similarities in poverty characteristics. Efforts to address poverty classification and clustering typically involve comprehensive strategies that aim to improve socio-economic conditions in the affected areas. This research focuses on the combined application of machine learning classification and clustering techniques to analyze poverty. It aims to investigate whether the integration of classification and clustering algorithms can enhance the accuracy of poverty analysis by identifying distinct poverty classes or clusters based on multidimensional indicators. The results showed the superiority of machine learning in mapping poverty in rural areas; therefore, it can be adopted in the private sector and government domains. It is important to have access to relevant and reliable data to apply these machine learning techniques effectively. Data sources may include household surveys, census data, administrative records, satellite imagery, and other socioeconomic indicators. Machine learning classification and clustering analyses are used as a decision support tool to gain an understanding of poverty data from each village. These strategies are also used to describe the profile of poverty clusters in the community in terms of significant socio-economic indicators present in the data. Village clusters based on an analysis of existing poverty indicators are grouped into high, moderate, and low poverty levels. Machine learning can be a valuable tool for analyzing and understanding poverty by classifying individuals or households into different poverty categories and identifying patterns and clusters of poverty. These insights can inform targeted interventions, policy decisions, and resource allocation for poverty reduction programs.

This research paper aims to benchmark the characteristics of financial systems for 102 countries worldwide from the period of 2005 to 2017. The financial systems’ database encompasses four main dimensions, each consisting of several variables for every indicator: (a) financial depth, (b) financial efficiency, (c) financial access, and (d) financial stability. The objective is to closely analyse the different factors that contribute to the attractiveness of financial and economic systems globally. Furthermore, this paper employs a literature review and an empirical modelling and classification of financial systems worldwide to assess their attractiveness. The modelling process utilizes two statistical analysis methods: discriminant analysis (PCA) and neural analysis. By doing so, this research paper aims to identify the most appropriate measures to strengthen these systems and economies. The main conclusion of the research is to establish a ranking of the world’s best countries and also the validation of the hypothesis that macroeconomic conditions are the effective determinants of the classification dimensions of financial systems.