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 idea of a smart city has evolved in recent years from limiting the city’s physical growth to a comprehensive idea that includes physical, social, information, and knowledge infrastructure. As of right now, many studies indicate the potential advantages of smart cities in the fields of education, transportation, and entertainment to achieve more sustainability, efficiency, optimization, collaboration, and creativity. So, it is necessary to survey some technical knowledge and technology to establish the smart city and digitize its services. Traffic and transportation management, together with other subsystems, is one of the key components of creating a smart city. We specify this research by exploring digital twin (DT) technologies and 3D model information in the context of traffic management as well as the need to acquire them in the modern world. Despite the abundance of research in this field, the majority of them concentrate on the technical aspects of its design in diverse sectors. More details are required on the application of DTs in the creation of intelligent transportation systems. Results from the literature indicate that implementing the Internet of Things (IoT) to the scope of traffic addresses the traffic management issues in densely populated cities and somewhat affects the air pollution reduction caused by transportation systems. Leading countries are moving towards integrated systems and platforms using Building Information Modelling (BIM), IoT, and Spatial Data Infrastructure (SDI) to make cities smarter. There has been limited research on the application of digital twin technology in traffic control. One reason for this could be the complexity of the traffic system, which involves multiple variables and interactions between different components. Developing an accurate digital twin model for traffic control would require a significant amount of data collection and analysis, as well as advanced modeling techniques to account for the dynamic nature of traffic flow. We explore the requirements for the implementation of the digital twin in the traffic control industry and a proper architecture based on 6 main layers is investigated for the deployment of this system. In addition, an emphasis on the particular function of DT in simulating high traffic flow, keeping track of accidents, and choosing the optimal path for vehicles has been reviewed. Furthermore, incorporating user-generated content and volunteered geographic information (VGI), considering the idea of the human as a sensor, together with IoT can be a future direction to provide a more accurate and up-to-date representation of the physical environment, especially for traffic control, according to the literature review. The results show there are some limitations in digital twins for traffic control. The current digital twins are only a 3D representation of the real world. The difficulty of synchronizing real and virtual world information is another challenge. Eventually, in order to employ this technology as effectively as feasible in urban management, the researchers must address these drawbacks.

The introduction of artificial intelligence (AI) marks the beginning of a revolutionary period for the global economic environments, particularly in the developing economies of Africa. This concept paper explores the various ways in which AI can stimulate economic growth and innovation in developing markets, despite the challenges they face. By examining examples like VetAfrica, we investigate how AI-powered applications are transforming conventional business models and improving access to financial resources. This highlights the potential of AI in overcoming obstacles such as inefficient procedures and restricted availability of capital. Although AI shows potential, its implementation in these areas faces obstacles such as insufficient digital infrastructure, limited data availability, and a lack of necessary skills. There is a strong focus on the need for a balanced integration of AI, which involves aligning technological progress with ethical considerations and economic inclusivity. This paper focuses on clarifying the capabilities of AI in addressing economic disparities, improving productivity, and promoting sustainable development. It also aims to address the challenges associated with digital infrastructure, regulatory frameworks, and workforce transformation. The methodology involves a comprehensive review of relevant theories, literature, and policy documents, complemented by comparative analysis across South Africa, Nigeria, and Mauritius to illustrate transformative strategies in AI adoption. We propose strategic recommendations to effectively and ethically utilize the potential of AI, by advocating for substantial investments in digital infrastructure, education, and legal frameworks. This will enable Africa to fully benefit from the transformative impact of AI on its economic landscape. This discourse seeks to offer valuable insights for policymakers, entrepreneurs, and investors, emphasizing innovative AI applications for business growth and financing, thereby promoting economic empowerment in developing economies.

The study of authoritarian leadership has undergone significant development, with researchers exploring its different dimensions and consequences. This leadership style, characterized by a top-down approach and centralized decision-making authority, has been extensively examined in psychology, organizational behavior, and management literature. Scholars have delved into the effects of authoritarian leadership on various aspects of organizations such as employee satisfaction, motivation levels, productivity rates, turnover rates, and team dynamics. The research landscape surrounding authoritarian leadership has witnessed a recent surge in interest as scholars strive to understand its intricate connections with different variables. The primary objective of this study is to conduct a comprehensive bibliometric analysis on authoritarian leadership, aiming to identify the key research areas, influential authors, prominent journals in the field, and citation patterns. To our knowledge, no bibliometric analysis on authoritarian leadership can be found in the Scopus database, highlighting the novelty of our research. Through a source-based examination of scholarly articles and their citations pertaining to authoritarian leadership, this analysis offers valuable insights into the current state of research in this domain. By focusing on publications from the past decade onwards, we aim to uncover trends and potential gaps within existing literature while also providing guidance for future research endeavors. Our research findings will provide valuable insights into the phenomenon of authoritarian leadership, contributing to a deeper understanding of its implications. By delving into this topic, we hope to pave the way for future studies and investigations in this field that can build upon our findings and expand knowledge even further.

This paper conducts a bibliometric visual analysis of the application of the Unified Theory of Acceptance and Use of Technology (UTAUT) in education, using CiteSpace software. Drawing on data from the Web of Science, the study explores research trends and influential works related to UTAUT from 2008 to 2023. It highlights the growing use of educational technologies such as mobile learning and virtual reality tools. The analysis reveals the most cited articles, journals, and key institutions involved in UTAUT research. Furthermore, keyword analysis identifies research hot spots, such as artificial intelligence and behavioral intentions. This study contributes to the understanding of how UTAUT has been used to predict technology adoption in education and provides recommendations for future research directions based on emerging trends in the digital learning environment.