This study investigates how financial literacy affects the financial health of Saudi Arabian banking industry workers in Saudi Arabia. The study uses a sample of 183 individuals and a comprehensive framework that includes components like financial behaviour, risk management, financial planning, financial knowledge, financial confidence, financial communication, and overall financial pleasure. The study finds strong positive correlations between many aspects of financial well-being and financial literacy through correlation and regression analysis. Notably, risk management, financial behaviour, overall financial contentment, and financial confidence are all positively impacted by financial literacy. The results underscore the multifaceted character of financial well-being and underscore the critical function of financial literacy in moulding favourable financial consequences. Furthermore, the study pinpoints particular domains in which focused financial literacy initiatives might be executed to augment the general financial welfare of banking industry staff members. The study sheds light on the relationship between financial literacy and well-being in a particular occupational context, which is significant information for both the academic and practical domains. The banking industry needs customized financial education programs because of the social and management ramifications. These programs will help the community’s overall financial health in addition to providing benefits to individual employees. In its conclusion, the study makes recommendations for other research directions, such as longitudinal studies and examinations of the function of digital financial literacy in the changing banking environment.

Personal data privacy regulation and mitigation are critical in implementing financial technology (fintech). Problems with fintech users’ data might result from data breaches, improper usage, and trade. Issues with personal data will result in financial losses, crimes, and violations of personal information. This legal research used three approaches: conceptual, comparative, and statute-based. In order to implement the statutory method, all laws and regulations pertaining to the legal concerns of information technology, fintech, personal data security, and protection are reviewed. Due to the nature of the sources of data, this study mainly used literature study and document observation to collect the data. Then, legal interpretation, legal reasoning, and legal argumentation are all included in the qualitative juridical analysis. This article recommends two strategies that Indonesia should take to provide personal data protection, including: 1) establishing the Personal Data Protection Commission (PDPC); and 2) improving the financial literacy of consumers.

Nowadays, customer service in telecommunications companies is often characterized by long waiting times and impersonal responses, leading to customer dissatisfaction, increased complaints, and higher operational costs. This study aims to optimize the customer service process through the implementation of a Generative AI Voicebot, developed using the SCRUMBAN methodology, which comprises seven phases: Objectives, To-Do Tasks, Analysis, Development, Testing, Deployment, and Completion. An experimental design was used with an experimental group and a control group, selecting a representative sample of 30 customer service processes for each evaluated indicator. The results showed a 34.72% reduction in the average time to resolve issues, a 33.12% decrease in service cancellation rates, and a 97% increase in customer satisfaction. The implications of this research suggest that the use of Generative AI In Voicebots can transform support strategies in service companies. In conclusion, the implementation of the Generative AI Voicebot has proven effective in significantly reducing resolution time and markedly increasing customer satisfaction. Future research is recommended to further explore the SCRUMBAN methodology and extend the use of Generative AI Voicebots in various business contexts.

This paper discusses the construction strategy of innovation and entrepreneurship education path for college students under the background of digital economy. Firstly, this paper analyzes the characteristics of digital economy and its influence on higher education, and then puts forward four core construction paths for college students' innovation and entrepreneurship education: integrating digital skills and knowledge, promoting practice and innovative thinking, interdisciplinary integration and collaborative learning, and linking industry and academia. Each path discusses the specific implementation and expected effect in detail. The purpose of this study is to provide higher education institutions with effective methods and strategies to cultivate students with innovative spirit and entrepreneurial ability in the era of digital economy.

With the rapid development of modern AI painting, Chinese university fine arts education is facing numerous challenges and opportunities. This paper analyzes the impact of modern AI painting on traditional art creation and its implications for student skill development. Additionally, it explores the key areas where Chinese university fine arts education needs to transform, including curriculum, teaching methods, and teacher training, while proposing corresponding strategies.

Currently, no academic work examines the history of the legality of roads in Chile during its independent existence as a sovereign country. Addressing this gap in the literature, this paper focuses specially on the period from 1842 to 1969, when different actors articulated a set of guiding ideas about the duties of the state and the legal powers of the administrative authority in terms of planning, construction and management of road infrastructure that would allow connectivity between population centers and across regions, according to the ideas and resources available at their historical time. This historical overview of Chilean “road law” is done in the light of insights and questions of contemporary intellectual history and institutional history. In this regard, it is argued that the evolution of road infrastructure norms and institutions during the period under study can be divided into three historical regimes, based on their fundamental legislative milestones, guiding ideas, institutional settings, and strategies of state action: from 1842 to 1887, a period of a decentralized “minimal road state” with precarious roads characterized by both material and juridical uncertainty; from 1887 to 1920, the emergence of a “proto-developmentalist road state” intent on strengthening its grip on the nationwide road infrastructure; and from 1920 to 1969, a period of a “techno-developmentalist road state” that created a nationwide paved road network for the new technology of mobile vehicles.