The objective of this research is to assess the current state of e-banking in Saudi Arabia. The banking industry is rapidly evolving to use e-banking as an efficient and appropriate tool for customer satisfaction. Traditional banks recommend online banking as a particular service to their customers in order to provide them with faster and better service. As a result of the rapid advancement of technology, banks have used e-banking and mobile banking to both accumulate users and conduct banking transactions. Nonetheless, the primary challenge with electronic banking is satisfying customers who use Internet banking. Thus, the current study seeks to determine what factors affect e-payment adoption with e-banking services. mobile banking, e-wallets, and e-banking, as well as the mediating role of customer trust, can drive e-payment adoption. We distributed the survey online and offline to a total of 336 participants. A convenience sampling technique was used; structure equation modeling (SEM), convergence and discriminant validity; and model fitness were achieved through Smart PLS 3. The findings have shown that mobile banking, e-banking, and e-wallets are three significant independent variables that mediate the role of customer trust in influencing e-payment adoption when using Internet banking services. They should emphasize trust-building activities, specifically in relation to the new ways of e-payment such as e-banking, m-payments, NFC, and e-proximity, which will further help reduce consumer perceptions of risk. The system developers should design user-friendly applications and e-payment apps to enhance consumers’ belief in using them for payment purposes over any Internet-enabled device. They should promptly respond to consumers in cases of failed e-payment transactions and be able to promptly demonstrate transparency in settling claims for such failed transactions. Future studies could benefit from implementing probability sampling to facilitate comparisons with non-probability sampling studies. This study selected responses from only Saudi Arabian adopters of mobile payment technology. We need to conduct research on non-adopters and analyze the results using the model we proposed in this study. Due to time and resource constraints, in depth research using a mixed-methods approach could not be conducted. Future studies can utilize a mixed-methods approach for further understanding.

In this review are developed insights from the current research work to develop the concept of functional materials. This is understood as real modified substrates for varied applications. So, functional and modified substrates focused on nanoarchitectures, microcapsules, and devices for new nanotechnologies highlighting life sciences applications were revised. In this context, different types of concepts to proofs of concepts of new materials are shown to develop desired functions. Thus, it was shown that varied chemicals, emitters, pharmacophores, and controlled nano-chemistry were used for the design of nanoplatforms to further increase the sizes of materials. In this regard, the prototyping of materials was discussed, affording how to afford the challenge in the design and fabrication of new materials. Thus, the concept of optical active materials and the generation of a targeted signal through the substrate were developed. Moreover, advanced concepts were introduced, such as the multimodal energy approach by tuning optical coupling from molecules to the nanoscale within complex matter composites. These approaches were based on the confinement of specific optical matter, considering molecular spectroscopics and nano-optics, from where the new concept nominated as metamaterials was generated. In this manner, fundamental and applied research by the design of hierarchical bottom-up materials, controlling molecules towards nanoplatforms and modified substrates, was proposed. Therefore, varied accurate length scales and dimensions were controlled. Finally, it showed proofs of concepts and applications of implantable, portable, and wearable devices from cutting-edge knowledge to the next generation of devices and miniaturized instrumentation.

This research explores the advancement of Artificial Intelligence (AI) in Occupational Health and Safety (OHS) across high-risk industries, highlighting its pivotal role in mitigating the global incidence of occupational incidents and diseases, which result in approximately 2.3 million fatalities annually. Traditional OHS practices often fall short in completely preventing workplace incidents, primarily due to limitations in human-operated risk assessments and management. The integration of AI technologies has been instrumental in automating hazardous tasks, enhancing real-time monitoring, and improving decision-making through comprehensive data analysis. Specific AI applications discussed include drones and robots for risky operations, computer vision for environmental monitoring, and predictive analytics to pre-empt potential hazards. Additionally, AI-driven simulations are enhancing training protocols, significantly improving both the safety and efficiency of workers. Various studies supporting the effectiveness of these AI applications indicate marked improvements in risk management and incident prevention. By transitioning from reactive to proactive safety measures, the implementation of AI in OHS represents a transformative approach, aiming to substantially reduce the global burden of occupational injuries and fatalities in high-risk sectors.

Graphene has been ranked among one of the most remarkable nanostructures in the carbon world. Graphene modification and nanocomposite formation have been used to expand the practical potential of graphene nanostructure. The overview is an effort to highlight the indispensable synthesis strategies towards the formation of graphene nanocomposites. Consequently, graphene has been combined with useful matrices (thermoplastic, conducting, or others) to attain the desired end material. Common fabrication approaches like the in-situ method, solution processing, and melt extrusion have been widely involved to form the graphene nanocomposites. Moreover, advanced, sophisticated methods such as three- or four-dimensional printing, electrospinning, and others have been used to synthesize the graphene nanocomposites. The focus of all synthesis strategies has remained on the standardized graphene dispersion, physical properties, and applications. However, continuous future efforts are required to resolve the challenges in synthesis strategies and optimization of the parameters behind each technique. As the graphene nanocomposite design and properties directly depend upon the fabrication techniques used, there is an obvious need for the development of advanced methods having better control over process parameters. Here, the main challenging factors may involve the precise parameter control of the advanced techniques used for graphene nanocomposite manufacturing. Hence, there is not only a need for current and future research to resolve the field challenges related to material fabrication, but also reporting compiled review articles can be useful for interested field researchers towards challenge solving and future developments in graphene manufacturing.

In recent times, there has been a surge of interest in the transformative potential of artificial intelligence (AI), particularly within the realm of online advertising. This research focuses on the critical examination of AI’s role in enhancing customer experience (CX) across diverse business applications. The aim is to identify key themes, assess the impact of AI-powered CX initiatives, and highlight directions for future research. Employing a systematic and comprehensive approach, the study analyzes academic publications, industry reports, and case studies to extract theoretical frameworks, empirical findings, and practical insights. The findings underscore a significant transformation catalyzed by AI integration into Customer Relationship Management (CRM). AI enables personalized interactions, fortifies customer engagement through interactive agents, provides data-driven insights, and empowers informed decision-making throughout the customer journey. Four central themes emerge: personalized service, enhanced engagement, data-driven strategy, and intelligent decision-making. However, challenges such as data privacy concerns, ethical considerations, and potential negative experiences with poorly implemented AI persist. This article contributes significantly to the discourse on AI in CRM by synthesizing the current state, exploring key themes, and suggesting research avenues. It advocates for responsible AI implementation, emphasizing ethical considerations and guiding organizations in navigating opportunities and challenges.

This work investigated the photocatalytic properties of polymorphic nanostructures based on silica (SiO₂) and magnetite (Fe₃O₄) for the photodegradation of tartrazine yellow dye. In this sense, a fast, easy, and cheap synthesis route was proposed that used sugarcane bagasse biomass as a precursor material for silica. The Fourier transform infrared (FTIR) spectroscopy results showed a decrease in organic content due to the chemical treatment with NaOH solution. This was confirmed through the changes promoted in the bonds of chromophores belonging to lignin, cellulose, and hemicellulose. This treated biomass was calcined at 800 ℃, and FTIR and X-ray diffraction (XRD) also confirmed the biomass ash profile. The FTIR spectrum showed the formation of silica through stretching of the chemical bonds of the silicate group (Si-O-Si), which was confirmed by DXR with the predominance of peaks associated with the quartz phase. Scanning electron microscopy (SEM) and energy dispersive X-ray spectroscopy (EDS) confirmed the morphological and chemical changes due to the chemical and thermal treatments applied to this biomass. Using the coprecipitation method, we synthesized Fe₃O₄ nanoparticles (Np) in the presence of SiO₂, generating the material Fe₃O₄/SiO₂-Np. The result was the formation of nanostructures with cubic, spherical, and octahedral geometries with a size of 200 nm. The SEM images showed that the few heterojunctions formed in the mixed material increased the photocatalytic efficiency of the photodegradation of tartrazine yellow dye by more than two times. The degradation percentage reached 45% in 120 min of reaction time. This mixed material can effectively decontaminate effluents composed of organic pollutants containing azo groups.