This study investigates the evolution of monetary policy in Ghana and explores the potential of Central Bank Digital Currencies (CBDCs), specifically the e-Cedi, as a tool to enhance financial inclusion and modernize the country’s financial system. Ghana’s monetary policy framework has undergone significant transformations since the establishment of the Bank of Ghana in 1957, with notable achievements in stabilizing the economy and managing inflation. However, large segments of the population, particularly in rural areas, remain unbanked or underbanked, highlighting the limitations of traditional monetary tools. The introduction of the e-Cedi presents an opportunity to bridge these gaps by providing secure, efficient, and accessible financial services to underserved communities. The study employs a qualitative research design, integrating historical analysis, case studies, and thematic analysis to assess the potential benefits and challenges of CBDCs in Ghana. Key findings indicate that while the e-Cedi could significantly enhance financial inclusion, challenges related to technological infrastructure, cybersecurity, and public trust must be addressed. The study concludes that a balanced approach, which prioritizes digital infrastructure development, strong cybersecurity measures, and collaboration with financial institutions, is essential for maximizing the potential of CBDCs in Ghana. Recommendations for future research include a deeper exploration of the impact of CBDCs on financial stability and further analysis of rural adoption barriers.

From the rich results generated by the combination of psychology and education in universities, it can be seen that the experimental education school that emerged in Europe and the United States in the late 19th century was a purely empirical spirit influenced experimental behavior in education and teaching; He pioneered a scientific educational experimental model, which is a milestone in the development history of education. It first introduces scientific experimental models into educational experiments through psychology, thereby promoting the development of educational experiments towards a scientific and standardized direction. This educational experiment of positivism paradigm, which evolved from the experimental research of psychology, is also the research paradigm advocated by psychological education in colleges and universities after the combination of college psychology and scientific education.

This article is a study of the institutional governance of farmers in Bukit Batu District, Bengkalis Regency using the concept of Society 5.0 and the governance paradigm for analysis in peat area studies. This study aims to determine the form of institutional governance of smallholder agriculture in peat areas and determine the truth of the influence of community economic management and development indicators on Society 5.0, which results from empirical studies in the field. This study uses the mixed methods method, which combines quantitative and qualitative data analysis to measure the truth of information. The results of the study illustrate that the question study first finds existing forms of institutional governance walk, however still passive; this is caused by constraints of knowledge management plant horticulture in the region peat, utilization process nutrients, and management techniques group sustainable farming in aspect regulation government and empowerment company around through CSR; on the question, it has been furthermore found that management variables and community economic development have a positive influence on Society 5.0. This study uses quantitative analysis and calculation results from the SPSS analysis test to support this conclusion. From this study, it formulated recommendation from the synergy between economic development and management of peat areas to socio-economic and environmental impacts that must be considered by interested stakeholders, as well as maximizing function technology in making it easy to manage horticulture plants in peat areas as a form of Society 5.0 to minimize behind.

With the development and progress of the era, digital construction has become an important topic for enterprise development in the new era. Practice has shown that by actively carrying out corresponding digital construction work, enterprises can more comprehensively and systematically analyze the industry development and market prospects, which helps to promote the reasonable adjustment
of internal and external management work modes and the improvement of management efficiency, and has a positive guiding role for the healthy development cycle of enterprises. In this article, the author combines a large amount of research cases to conduct research on the effect of digital construction on enterprise development in the new era and proposes corresponding optimization measures, hoping to further promote the full play of information technology value, in order to safeguard the development of enterprises.

This paper provides a disaster resilience-based approach. For the definition of the approach, a three-step method (definition of components, analysis of the resilience pillars and definitions of resilience-based actions) has been followed. To validate the approach, an application scenario for mitigating the COVID-19 pandemic is provided in the paper. The proposed approach contributes to stimulating the co-responsibility quadruple helix of actors in the implementation of actions for disaster management. Moreover, the approach is adaptable and flexible, as it can be used to manage different kinds of disasters, adjusting or changing itself to meet specific needs.