Amidst an upsurge in the quantity of delinquent loans, the financial industry is experiencing a fundamental transformation in the approaches utilised for debt recovery. The debt collection process is presently undergoing automation and improvement through the utilisation of Artificial Intelligence (AI), an emergent technology that holds the potential to revolutionise this sector. By leveraging machine learning, natural language processing, and predictive analytics, automated debt recovery systems analyse vast quantities of data, generate forecasts regarding the likelihood of recovery, and streamline operational processes. Debt collection systems powered by AI are anticipated to be compliant, precise, and effective. On the other hand, conventional approaches are linked to increasing expenditures and inefficiencies in operations. These solutions facilitate efficient resource allocation, customised communication, and rapid data analysis, all while minimising the need for human intervention. Significant progress has been made in data analytics, predictive modelling, and decision-making through the application of artificial intelligence (AI) in debt recovery; this has the potential to revolutionize the financial sector’s approach to debt management. The findings of the research underscore the criticality of artificial intelligence (AI) in attaining efficacy and precision, in addition to the imperative of a data-centric framework to fundamentally reshape approaches to debt collection. In conclusion, artificial intelligence possesses the capacity to profoundly transform the existing approaches utilized in debt management, thereby guaranteeing financial institutions’ sustained profitability and efficacy. The application of machine learning methodologies, including predictive modelling and logistic regression, signifies the potential of the system.

Africa has been fighting against colonialism and Eurocentrism for a long time in an attempt to reverse the regime of oppression and socio-economic marginalization and exploitation, and take back control of its cultural identity and right to self-determination. This adventure requires the recognition and revitalisation of indigenous arts, culture, and law—all of which have been subjugated and ignored during colonial rule. Ironically, the situation has not improved much by the dominating presence of post-independent neo-colonial structures and perpetuated Eurocentric phenomenon that have been ingrained into the socio-cultural and economic fabrics of the African state. This research explores the critical need for integrating science on African indigenous arts, culture, and legal systems, as a way of globalizing as well as revitalizing these elements, towards the ultimate emancipation of the continent from the vestiges of colonialism and Eurocentricism. Relying on the postcolonial, and indigenous knowledge systems theoretical frameworks, the study engages the ethnographic, collaborative and interdisciplinary research approaches, subjecting data obtained to thematic analysis. Underscoring the profound interconnectedness of science, indigenous arts, and cultural heritage, the study argues that combining scientific methods with indigenous African epistemology provides a powerful framework for advancing Africa’s true independence from the protracted legacies of colonialism and Eurocentrism. The research concludes that a holistic integration of these elements therefore, is indispensable for fostering a decolonized and inclusive approach to knowledge production, self-determination and sustainable development, against the background of the rich insights and sustainable practices embedded within the African cultural traditions. Ultimately, the research recommends that embracing and integrating science on indigenous epistemologies can propel Africa towards an emancipated, truly independent, and culturally affirming future, transcending the enduring legacies of colonialism and Eurocentrism.

Women play a pivotal role in national development, and it is essential for every country to harness their skills to promote economic growth and comprehensive development. The purpose of the current study is to analyze and evaluation the impact of the most recent legislatives and legal reforms in the Saudi Arabia laws in the women’s empowering and economic growth. In addition, the research method is used is analyzing laws, regulations, and reports documents related to women rights in Saudi Arabia to clarify its impact on the women’s empowerments and economic developments. The study’s results indicate a significant and positive impact of recent legal and legislative reforms in Saudi Arabia on women’s empowerment and economic growth. Legal reforms have expanded employment opportunities and fostered entrepreneurship among women, resulting in increased workforce participation and a rise in women-owned businesses. Social empowerment has been enhanced through greater autonomy and improved access to education and vocational training, equipping women with competitive skills. Additionally, reforms have facilitated women’s participation in governance that creating a safer and more equitable environment. These changes have contributed positively to the economic incomes and diversification that reflecting the efforts undertaken by the Kingdom to enhance women’s empowerment and ensure the sustainability of reforms to achieve the ambitious goals of the Kingdome Vision 2030.

This investigation extends into the intricate fabric of customer-based corporate reputation within the banking industry, applying advanced analytics to decipher the nuances of customer perceptions. By integrating structural equation modeling, particularly through SmartPLS4, we thoroughly examine the interrelations of perceived quality, competence, likeability, and trust, and how they culminate in customer satisfaction and loyalty. Our comprehensive dataset is drawn from a varied demographic of banking consumers, ensuring a holistic view of the sector’s reputation dynamics. The research reveals the profound influence of these constructs on customer decision-making, with likeability emerging as a critical driver of satisfaction and allegiance to the bank. We also rigorously test our model’s internal consistency and convergent validity, establishing its reliability and robustness. While the direct involvement of Business Intelligence (BI) tools in the research design may not be overtly articulated, the analytical techniques and data-driven approach at the core of our methodology are synonymous with BI’s capabilities. The insights garnered from our analysis have direct implications for data-driven decision-making in banking. They inform strategies that could include enhancing service personalization, refining reputation management, and improving customer retention efforts. We acknowledge the need to more explicitly detail the role of BI within the research process. BI’s latent presence is inherent in the analytical processes employed to interpret complex data and generate actionable insights, which are crucial for crafting targeted marketing strategies. In summary, our research not only contributes to academic discourse on marketing and customer perception but also implicitly demonstrates the value that BI methodologies bring to understanding and influencing consumer behavior in the banking sector. It is this blend of analytics and marketing intelligence that equips banks with the strategic leverage necessary to thrive in today’s competitive financial landscape.

Using the United Nations’ Online Services Indicator (OSI) as a benchmark, the study analyzes Jordan’s e-government performance trends from 2008 to 2022, revealing temporal variations and areas of discontent. The research incorporates diverse testing strategies, considering technological, organizational, and environmental factors, and aligns with global frameworks emphasizing usability, accessibility, and security. The proposed model unfolds in three stages: data collection, performing data operations, and target selection using the Generalized Linear Model (GLM). Leveraging web crawling techniques, the data collection process extracts structured information from the Jordanian e-government portal. Results demonstrate the model’s efficacy in assessing accessibility and predicting web crawler behavior, providing valuable insights for policymakers and officials. This model serves as a practical tool for the enhancement of e-government services, addressing citizen concerns and improving overall service quality in Jordan and beyond.

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.