This study aimed to analyze government policies in education during the Covid-19 pandemic and how teachers exercised discretion in dealing with limitations in policy implementation. This research work used the desk review method to obtain data on government policies in the field of education during the Covid-19 pandemic. In addition, interviews were conducted to determine the discretion taken in implementing the learning-from-home policy. There were three learning models during the pandemic: face-to-face learning in turns (shifts), online learning, and home visits. Online learning policies did not work well at the pandemic’s beginning due to limited infrastructure and human resources. To overcome various limitations, the government provided internet quota assistance and curriculum adjustments and improved online learning infrastructure. The discretion taken by the teachers in implementing the learning-from-home policy was very dependent on the student’s condition and the availability of the internet network. The practical implication of this research is that street-level bureaucrats need to pay attention to discretionary standards when deciding to provide satisfaction to the people they serve.

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.

Low levels of financial literacy cause people to have lower savings rates, higher transaction costs, larger debts and the loans acquisition with higher interest rates, therefore it becomes relevant to analyze the determinants of financial literacy. The aim of this research is to identify whether there is an association between the financial literacy level and sociodemographic characteristics. The Mexican Petroleum Company (Pemex) employees is the population analyzed. Pemex is the state-owned oil and natural gas producer, transporter, refiner and marketer in Mexico. A non-probabilistic convenience sampling was performed and 404 responses were obtained. The analysis of data was carried out with the Bayesian method. The results show that there is an association between Pemex employees’ level of financial literacy and their level of education, income, age and type of retirement saving. No association was found between their level of financial literacy and gender, marital status and whether or not they have children.

With the continuous development of science and technology, network technology has been applied to various fields, and the education model of universities has also made innovations with the application of network technology. In ideological and political education in universities, influenced by traditional educational models and other factors, the quality of education is uneven, and the learning effectiveness of students needs to be improved. Therefore, integrating network technology and innovating teaching methods in ideological and political education in universities is very important. Conducting online ideological and political education in universities can enhance students' interest in learning, while also helping them develop good moral qualities and providing assistance for their future development. This article focuses on the research goal of ideological and political education models in universities, exploring the importance and methods of integrating online ideological and political education in universities, hoping to provide some help for relevant universities.

Ancestral knowledge is essential in the construction of learning to preserve the sense of relevance, transmit and share knowledge according to its cultural context, and maintain a harmonious relationship with nature and sustainability. The objective of this research is to study and analyze the management of ancestral knowledge in the production of the Raicilla to provide elements to rural communities, producers, and facilitators in decision-making to be able to innovate and be more productive, competitive, sustainable, and improve people’s quality of life. The methodological strategy was carried out through Bayesian networks and Fuzzy Logic. To this end, a model was developed to identify and quantify the critical factors that impact optimally managed technology to generate value that translates into innovation and competitive advantages. The evidence shows that the optimal and non-optimal management of knowledge, technology, and innovation management and its factors, through the causality of the variables, permits us to capture the interrelationship more adequately and manage them. The results show that the most relevant factors for adequate management of ancestral knowledge in the Raicilla sector are facilitators, denomination of origin, extraction and fermentation, and government. The proposed model will support these small producers and help them preserve their identity, culture, and customs, contributing greatly to environmental sustainability.

This research focuses on the construction of the competency of “Double-qualified” teachers in higher vocational colleges. Through comprehensive literature analysis, in-depth interviews and questionnaire surveys, a competency model covering three dimensions, namely personality charm, teaching literacy and practical skills, has been successfully established. This model provides a scientific basis for higher vocational colleges in teacher selection, performance evaluation and professional training, and particularly emphasizes the importance of teachers’ cultivation of students’ practical abilities and professional qualities in the context of vocational education. The research reveals that these three competency dimensions are interdependent and jointly influence teachers’ educational and teaching achievements as well as students’ career development.