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.

This paper aims to show the crisis of contemporary criminal systems, however legislative excess of stipulating the penalty of imprisonment, as a penalty depriving freedom, while sometimes stipulating the penalty of imprisonment is mandatory, rather combining it with other penalties, and more than that, depriving the judge of his discretionary power in determining the punishment, this threatens the theory of individualized punishment in a fatal way, so as a result, prisons are overcrowded with inmates, which places a heavy burden on the state from an economic perspective that exhausts and drains its budget, while there is also a social cost of the prison sentence, paid by the prisoner’s family and close circle, moreover the greatest cost is the failure of the penal system to perform its role towards the prisoner by reforming and rehabilitating, therefore, this paper focuses on presenting the causes of the problem and its negative repercussions, trying to find some solutions, by presenting alternatives to the prison sentence, while expanding the view to include some criminal systems, such as the Islamic criminal system and its decision on the penalty of exile.

Over 90% of cancer-related mortality worldwide is due to metastatic disease since the dynamic tumor microenvironment poses huge challenges in preventing the spread of metastatic cancer. Introducing the advent of advance biomaterials and their swift evolution, this review highlights the great potential of innovative biomaterials to proficiently tackle the metastatic tumor environment. Focusing on four distinct categories of biomaterials systems, action mechanism of biomaterials utilized in anti-tumor therapy is explained in detail: 1. Nanoplatforms sensitive to biochemical cues including pH, redox, and enzymes are known as stimuli-responsive nanoplatforms that react according their environment, 2. Smart nanoplatforms changing their morphology to penetrate impermeable physical barriers at tumor site, 3. Ingenious biomaterial participating in tumor normalization, and 4. Nanoplatforms with real-time theranostic capabilities due to innate feedback-loop mechanism. Ingeniously structured biomaterials with extensive evidence in preclinical efficacy encourage their inclusion in metastatic tumor therapy however, their utilization in medical settings is prevented due to various challenges; impractical manufacturing cost, regulatory and safety issues as well as large-scale production are major challenges restraining their widespread use. A concrete framework is proposed in this review to accelerate the biomaterial structure standardization process, following the GMP and other regulatory guidelines with the aim of implementing biomaterial-based tumor diagnostics and therapies. Since incorporating advancing technologies in tumor therapy such AI-driven, autonomous biomaterial structure or patient-specific tumor models would enable confront the proliferating metastatic tumor cases.