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.

This study provides empirical data on the impact of generative AI in education, with special emphasis on sustainable development goals (SDGs). By conducting a thorough analysis of the relationship between generative AI technologies and educational outcomes, this research fills a critical gap in the literature. The insights offered are valuable for policymakers seeking to leverage new educational technologies to support sustainable development. Using Smart-PLS4, five hypotheses derived from the research questions were tested based on data collected from an E-Questionnaire distributed to academic faculty members and education managers. Of the 311 valid responses, the measurement model assessment confirmed the validity and reliability of the data, while the structural model assessment validated the hypotheses. The study’s findings reveal that New Approaches to Learning Outcome Assessment (NALOA) significantly contribute to achieving SDGs, with a path coefficient of 0.477 (p < 0.001). Similarly, the Use of Generative AI Technologies (UGAIT) has a notable positive impact on SDGs, with a value of 0.221 (p < 0.001). A Paradigm Shift in Education and Educational Process Organization (PSEPQ) also demonstrates a significant, though smaller, effect on SDGs with a coefficient of 0.142 (p = 0.008). However, the Opportunities and Risks of Generative AI in Education (ORGIE) study did not find statistically significant evidence of an impact on SDGs (p = 0.390). These findings highlight the potential opportunities and challenges of using generative AI technologies in education and underscore their key role in advancing sustainable development goals. The study also offers a strategic roadmap for educational institutions, particularly in Oman to harness AI technology in support of sustainable development objectives.

This study explores the critical role of the retail sector in the global economy and the importance of working capital management within retail businesses. Recognizing retail’s influence beyond just income generation, the research examines its impact on economic stability, job creation, and national GDP, and how it links industries such as manufacturing and logistics. Employing a blended-methods approach, the study integrates quantitative analysis using AMOS software with qualitative insights from interviews with financial managers and retail experts. Key focus areas include cash flow management, market demand, and supplier relationship management in the context of working capital management. Findings highlight the necessity of effective working capital management in maintaining financial stability, optimizing shareholder wealth, and ensuring long-term business viability in the retail sector. Strategies for enhancing profitability, such as improving supplier relationships and adapting to market demands, are identified. This research contributes to understanding the economic impact of the retail sector and the intricacies of working capital management. It offers insights for policymakers, retail managers, and academics, emphasizing the need for supportive retail industry measures and effective financial management practices. The study fills a gap in literature and sets a foundation for future research in this critical area of economic studies and retail management.

Polyurethane is a multipurpose polymer with valuable mechanical, thermal, and chemical stability, and countless other physical features. Polyurethanes can be processed as foam, elastomer, or fibers. This innovative overview is designed to uncover the present state and opportunities in the field of polyurethanes and their nanocomposite sponges. Special emphasis has been given to fundamentals of polyurethanes and foam materials, related nanocomposite categories, and associated properties and applications. According to literature so far, adding carbon nanoparticles such as graphene and carbon nanotube influenced cell structure, overall microstructure, electrical/thermal conductivity, mechanical/heat stability, of the resulting polyurethane nanocomposite foams. Such progressions enabled high tech applications in the fields such as electromagnetic interference shielding, shape memory, and biomedical materials, underscoring the need of integrating these macromolecular sponges on industrial level environmentally friendly designs. Future research must be intended to resolve key challenges related to manufacturing and applicability of polyurethane nanocomposite foams. In particular, material design optimization, invention of low price processing methods, appropriate choice of nanofiller type/contents, understanding and control of interfacial and structure-property interplay must be determined.

The digital era has ushered in significant advancements in Generative Artificial Intelligence (GAI), particularly through Generative Models and Large Language Models (LLMs) like ChatGPT, revolutionizing educational paradigms. This research, set against the backdrop of Society 5.0 and aimed at sustainable educational practices, utilizes qualitative analysis to explore the impact of Generative AI in various learning environments. It highlights the potential of LLMs to offer personalized learning experiences, democratize education, and enhance global educational outcomes. The study finds that Generative AI revitalizes learning methodologies and supports educational systems’ sustainability by catering to diverse learning needs and breaking down access barriers. In conclusion, the paper discusses the future educational strategies influenced by Generative AI, emphasizing the need for alignment with Society 5.0’s principles to foster adaptable and sustainable educational inclusion.

This research article explores the intricate relationship between cultural impacts and leadership styles in social science management. It emphasizes the importance of cultural-informed decision-making, highlighting its role in fostering inclusive managerial choices. The study also delves into how diverse leadership styles enhance team dynamics and collaboration, contributing to an innovative work environment. While recognizing the potential benefits, challenges like miscommunications are acknowledged, with recommendations for leadership development programs. The research underscores the significance of leadership flexibility in managing diverse teams. In conclusion, the article emphasizes the positive impact of cultural awareness on decision-making, collaboration, and innovation in social science management.