In the Fourth Industrial Revolution (4IR) era, the rapid digitalisation of services poses both opportunities and challenges for the banking sector. This study addresses how adopting artificial intelligence (AI) and online and mobile banking advancements can influence customer satisfaction, particularly in Kaduna State, Nigeria. Despite significant investments in AI and digital banking technologies, banks often struggle to align these innovations with customer expectations and satisfaction. Using Structural Equation Modeling (SEM), this research investigates the impact of customer satisfaction with online banking (C_O) on AI integration (I_A) and mobile banking convenience (C_M). The SEM model reveals that customer satisfaction with online banking significantly influences AI integration (path coefficient of 0.40) and mobile banking convenience (path coefficient of 0.68). These results highlight a crucial problem: while technological advancements in banking are growing, their effectiveness is highly dependent on customer satisfaction with existing digital services. The study underscores the need for banks to prioritise enhancing online banking experiences as a strategic lever to improve AI integration and mobile banking convenience. Consequently, the research recommends that Nigerian banks develop comprehensive frameworks to evaluate and optimise their technology integration strategies, ensuring that technological innovations align with customer needs and expectations in the rapidly evolving digital landscape.

The native peoples of the State of Mexico, especially the Mazahua community, present a high degree of marginality and food vulnerability, causing their inhabitants to be classified within the poor and extremely poor population. The objective of the research is to propose a food vulnerability index for the Mazahua community of the State of Mexico through the induction-deduction method, contrasting the existing literature with a semi-structured exploratory interview to identify the main factors that affect the native peoples. The study population was selected taking into account the number of inhabitants and poverty levels. The sources of information, in addition to documentary sources, were key informants and visits to Mazahua families that facilitated information about the different variables: natural, economic, social, cultural component, degree of adaptability and resilience for the creation and better understanding of the food vulnerability index in the communities under study.

The major goal of decisions made by a business organization is to enhance business performance. These days, owners, managers and other stakeholders are seeking for opportunities of modelling and automating decisions by analysing the most recent data with the help of artificial intelligence (AI). This study outlines a simple theoretical model framework using internal and external information on current and potential clients and performing calculations followed by immediate updating of contracting probabilities after each sales attempt. This can help increase sales efficiency, revenues, and profits in an easily programmable way and serve as a basis for focusing on the most promising deals customising personal offers of best-selling products for each potential client. The search for new customers is supported by the continuous and systematic collection and analysis of external and internal statistical data, organising them into a unified database, and using a decision support model based on it. As an illustration, the paper presents a fictitious model setup and simulations for an insurance company considering different regions, age groups and genders of clients when analysing probabilities of contracting, average sales and profits per contract. The elements of the model, however, can be generalised or adjusted to any sector. Results show that dynamic targeting strategies based on model calculations and most current information outperform static or non-targeted actions. The process from data to decision-making to improve business performance and the decision itself can be easily algorithmised. The feedback of the results into the model carries the potential for automated self-learning and self-correction. The proposed framework can serve as a basis for a self-sustaining artificial business intelligence system.

Under the background of new curriculum reform, the purpose of secondary education and cultivation has been changed to cultivate students' comprehensive and professional abilities. Applying lifelike teaching to the English classroom of secondary education arts and sports students is an effective means to stimulate students' learning interests and improve their English proficiency. Based on the analysis of the current situation of English teaching for arts and physical education students in secondary education, the article puts forward several strategies of English lifelike teaching in order to better improve the English quality of students in secondary institutions and promote the development of English education in secondary institutions.

The need to expand the range of banking services in Ukraine is stipulated with technological progress, the European integration processes and the legal regime of martial law introduced in the country. Under the conditions of war, the need to strengthen the security of banking activities and protect the banking system from the influence of any internal and external factors gains meaning. The topical direction of economic and legal research of scientists today is the possibility to introduce digital technologies with elements of artificial intelligence (AI) into the banking activity in Ukraine to improve its protection. The AI law as an independent branch of the Ukrainian law has not been developed so far. The sources of AI law, its functions, tasks, scope, risks and limits of legal responsibility for prohibited practices of artificial intelligence have not been defined. The purpose of the article is to analyze the theoretical and legal provisions that underpin the regulation of AI application in Ukrainian banking. The comparative legal method made it possible, considering the provisions of the draft law on AI of the European Union, to determine the trends in the development of the legal regulation of AI in Ukraine. Following the study, proposals to the legislation of Ukraine were formulated, which will contribute to the legal regulation of banking activities using digital technologies with elements of AI.

There are several factors that generate postharvest losses of Citrus sinensis, but none have been focused on the central jungle of the Junín region of Peru. The objective of this research was to evaluate postharvest losses of Citrus sinensis in the province of Satipo, Junín region of Peru, considering the stages of the production chain. The methodology was applied to descriptive and cross-sectional design. A sample of 10 orange trees, 3 transport intermediaries and 5 traders selected for compliance with minimum volume and quality requirements were used. The °Brix, pH and acidity characteristics of the fruit were determined. Subsequently, absolute and percentage losses were quantified through direct observation, surveys and interviews. The main postharvest losses of Citrus sinensis were 1.50% in harvesting and detaching, 1.75% in transport to the collection center, 2.23% in storage and transport by intermediaries, and 2.90% in storage and sale by retailers. The overall loss was 8.12% throughout the production chain and US$5.75 per MT of C. sinensis harvested. The main damages found were mechanical and biological, caused by poor harvesting and packaging techniques, precarious storage and careless transport of the merchandise.