This research was conducted using a survey research method to investigate the influence of Artificial Intelligence (AI) on Nigerian students' academic performances in tertiary institutions. Nigerian tertiary institutions have an estimated population of about 2.5 million students across the universities, polytechnics, monotechnics, and colleges of education. A sample size of 509 was used. The researchers adopted an online questionnaire (Google Form) to administer questions to respondents across Nigeria to elicit responses from the respondents bordering on their awareness and the use of AI and its attendant impacts on their academic performance. Five research objectives were raised for the proper investigation of this study. From the findings of the study, the researchers found that the majority of Nigerian students use AI and that AI has positive impacts on the educational performance of Nigerian students. It was also found that Nigerian students have training on the use of AI for educational purposes and that they are more familiar with Snapchat AI and ChatGPT. Conclusively, AI is useful to students in the sense that it enhances their knowledge of their courses, improves their learning and speaking skills, and helps them to have a quick understanding of their course by way of simplifying technical aspects of their courses. The researchers therefore recommend as follows: Nigerian tertiary institutions should formally train students as well as teachers on the use of AI for academic purposes so that they can understand the ethical implications of the use of AI. Using AI for writing could be interpreted to mean examination malpractice, and this should not be condoned in the educational sector; however, at the moment, a small number of students used AI for examinations. Albeit, the appropriate use of AI should be fully integrated into Nigerian tertiary institutions' curricula.

This research aims to analyze the relationship between financial literacy variables and financial inclusion, the relationship between financial literacy variables and financial technology, and the relationship between financial technology variables and financial inclusion. The analysis of this research is to learn more about how financial literacy and the use of financial technology influence financial inclusion. This type of research is associative quantitative. Next, the relationship between these variables is explained using statistical formulas. Consequently, the term for this research is “quantitative research”. The study population is the number of people who use financial services. For this sampling, the purposive random sampling method was used. The following criteria are determined in sampling: 1) Minimum age 17 years, this is intended to take the minimum age standard in sampling and is considered capable of understanding the contents of the questionnaire statements. 2) Have ever used financial services. In this study, 11 question items were used to measure 3 variables, so this study used the largest range, namely 231 respondents. The intervention variable will be used as a reference for the Partial Least Square (PLS) method to analyze this research data. This study uses a causal model (causal modelling, relationships, and influence) or path analysis. The hypothesis that will be discussed in this research is tested using the Structural Equation Model (SEM), which is operated with Smart PLS. The results of this research show that financial literacy has a positive and significant impact on financial inclusion in society. Financial literacy has a positive and significant impact on financial technology. financial technology has a positive and significant impact on financial inclusion, financial technology can offset the impact of financial literacy on financial inclusion. The results of this research are used as input for the community so that they pay more attention to their internal human resources related to financial products that can be used for investment. With knowledge of the right financial products, it is hoped that they can create good financial behaviour so that an awareness of the importance of carrying out good financial planning. For financial institutions, it is hoped that this can increase easy access to financial products and services, in particular credit for businesses as additional capital for the community.

In marginalized ecosystem-dependent rural communities, access to ecosystem services plays a crucial role in achieving sustainable livelihoods. This study was conducted to find out the influence of various livelihood capital components on the access mechanism for forest-based Provisioning Services (PS) in some selected villages of the Gosaba Block on the fringes of the Sundarban. The contribution of the livelihood capitals to gain access to Provisioning Services (PS) was identified using factor analysis on 160 households, selected through cluster random sampling. The sustainability levels of livelihood capitals were analyzed using the Prescott-Allen method (2001). The natural, financial, social, and physical capitals were significantly below average, while the human capital was close to average. Enhancement of human, physical, financial, and social capital, ease in issuing Biometric Fisherman cards for entering forests, flexibility in borrowing loans, and ecotourism by involving local villagers must be encouraged to enhance forest-based provisioning services in the near future.

This study aimed to examine the compliance of post-disaster emergency assembly areas with their planning criteria in the Battalgazi district of Malatya province. This district is one of the settlements that was most affected by the two big earthquakes that occurred in Türkiye on 6 February 2023. The emergency assembly areas were evaluated qualitatively based on the criterion of “appropriateness”, with the sub-variables of “usability”, “accessibility”, and “safety”. They were also evaluated quantitatively based on the criterion of “adequacy” with the sub-variable “per capita m²”. There are a total of 103 neighborhoods in the district. However, there are only eight emergency assembly areas in total within its boundaries. According to the results of this study, only 7.5% of the current population of the district resides within 500 m of the emergency assembly areas. The fact that four emergency assembly areas (Hürriyet Park, Şehit Kemal Özalper High School, the Community Garden, Battalgazi Municipality) are situated next to each other and there are emergency assembly areas in only six of the 103 neighborhoods within the municipal boundaries shows that were significant problems in the decisions made regarding their locations. In addition, it was determined that there were disadvantages in terms of accessibility and usability within the criterion of appropriateness, while there were some positive aspects in terms of safety. When examined with regard to the criterion of adequacy, it was determined that the emergency assembly areas at Mişmiş Park, the Community Garden, Battalgazi Municipality, and Şehit Kemal Özalper High School were most adequate, while the emergency assembly areas at Hürriyet Park, Fırat Neighborhood Mukhtar, Nevzat Er Park, and 100 Yıl İmam Hatip Secondary School were least adequate.

The purpose of this study is to explore factors influencing the blockchain adoption in agricultural supply chains, to make a particular focus on how security and privacy considerations, policy support, and management support impact the blockchain adoption intention. it further investigates perceived usefulness as a mediating variable that potentially amplifies the effects of these factors on blockchain adoption intention, and sets perceived cost as a moderating variable to test its influence on the strength and direction of the relationship between perceived usefulness and adoption intention. through embedding the cost-benefit theory into the integrated tam-toe framework and utilizing the partial least squares structural equation modeling (PLS-SEM) method, this study identifies the pivotal factors that drive or impede blockchain adoption in the agricultural supply chains, which fills the gap of the relatively insufficient research on the blockchain adoption in agriculture field. the results further provide empirical evidence and strategic insights that can guide practical implementations, to equip stakeholders or practitioners with the necessary knowledge to navigate the complexities of integrating cutting-edge technologies into traditional agricultural operations, thereby promoting more efficient, transparent, and resilient agricultural supply chains.

The cars industry has undergone significant technological advancements, with data analytics and artificial intelligence (AI) reshaping its operations. This study aims to examine the revolutionary influence of artificial intelligence and data analytics on the cars sector, particularly in terms of supporting sustainable business practices and enhancing profitability. Technology-organization-environment model and the triple bottom line technique were both used in this study to estimate the influence of technological factors, organizational factors, and environmental factors on social, environmental (planet), and economic. The data for this research was collected through a structured questionnaire containing closed questions. A total of 327 participants responded to the questionnaire from different professionals in the cars sector. The study was conducted in the cars industry, where the problem of the study revolved around addressing artificial intelligence in its various aspects and how it can affect sustainable business practices and firms’ profitability. The study highlights that the cars industry sector can be transformed significantly by using AI and data analytics within the TOE framework and with a focus on triple bottom line (TBL) outputs. However, in order to fully benefit from these advantages, new technologies need to be implemented while maintaining moral and legal standards and continuously developing them. This approach has the potential to guide the cars industry towards a future that is environmentally friendly, economically feasible, and socially responsible. The paper’s primary contribution is to assist professionals in the industry in strategically utilizing Artificial Intelligence and data analytics to advance and transform the industry.