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.

Arabic rhetoric has traditionally relied on ancient texts and human interpretation for teaching purposes. The study investigates ChatGPT’s ability to analyze and interpret Arabic rhetorical devices, specifically examining its capacity to handle cultural and contextual elements in rhetorical analysis. Drawing on institutional implementation frameworks and recent educational technology research, this study examines policy considerations for Arabic rhetoric education in an AI-driven environment, with a particular focus on sustainable digital infrastructure development and systematic reforms needed to support AI integration. The study employed the comparative approach to analyze eight rhetorical examples, including metaphors (“Zaid is a lion”), similes (“Someone is a sea”), and metonymy (“A person full of ash”), then compare ChatGPT’s interpretations with traditional explanations from classical Arabic rhetoric texts, particularly “Dala’il al-I’jaaz” by al-Jurjani. The results demonstrate that ChatGPT can provide basic interpretations of simple rhetorical devices, but it struggles with understanding cultural contexts and multiple layers of meaning inherent in Arabic rhetoric. The findings indicate that AI tools, despite their potential for modernizing rhetoric education, currently serve best as supplementary teaching aids rather than replacements for traditional interpretative methods in Arabic rhetoric instruction.

In a context of refugee precarity, the article highlights the significance of inclusive economic models for sustainable resilience amidst protracted crises, examining the interplay between humanitarian aid and economic development within the Minawao camp. Initially established as a temporary solution, the camp now shelters over 76,000 Nigerians fleeing Boko Haram violence. The study focuses on analyzing initiatives implemented to promote economic empowerment and resilience for refugees within a sustainable humanitarian framework. Through a combination of survey data, document reviews, and interviews, findings reveal that while these initiatives align with Sustainable Development Goal 8, they remain limited and insufficiently adapted to the skills and needs of the refugees. The camp’s geographic isolation and the passive involvement of the Cameroonian government further exacerbate the refugees’ dependency on humanitarian aid. Consequently, the study advocates for greater host-state involvement beyond theoretical agreements, the diversification of economic opportunities beyond the camp, adjustment of empowerment programs to meet refugee needs, and strengthened funding through innovative partnerships.

Night tourism, increasingly recognized as integral to the travel experience, has gained attention for its impact on overall tourist satisfaction. This article offers a comprehensive analysis of night tourism development in Vietnam’s coastal cities, focusing on Nha Trang and Quang Ngai, as representative cases of mature and emerging destinations, respectively. Utilizing the Importance-Performance Analysis (IPA) tool, the study aims to provide practical insights for sustainable night tourism. Surveys with 524 domestic tourists were conducted to evaluate perceptions and satisfaction levels. Nha Trang emphasizes accessibility and vibrant nightlife, with a focus on the night market and outdoor shows. Conversely, Quang Ngai highlights its night landscape, dining options, and shopping areas. Recommendations for both destinations include enhancing entertainment offerings and reassessing priorities based on tourist preferences. The study underscores the need for tailored strategies to foster sustainable night tourism development that aligns with evolving tourist demands in coastal cities like Nha Trang and Quang Ngai.

Poverty is a major challenge caused by various situations as well as cultural, social, economic, and political interactions. Therefore, poverty alleviation programs and strategies require an integrated approach carried out in consistent and organized stages. It required the participation of all parties, both regional heads, Regional People’s Representative Assembly (RPRA) members, entrepreneurs, and other elements of society. This study aimed to investigate the effect of local spending efficiency on public welfare in Indonesia, using a quantitative and explanatory method. The analysis method used in this study is the panel data regression model. The research population in all provinces in Indonesia was 34 provinces, and a purposive sampling method was used, where a total of 26 provinces were selected. The research period is 2017–2021. The efficiency of local spending (education, health, and infrastructure) is estimated using the Stochastic Frontier Analysis (SFA) cost function approach. The results showed that the higher the efficiency of education spending, the more it will increase public welfare in Indonesia. Meanwhile, the health spending efficiency and the infrastructure spending efficiency do not affect public welfare. The implications of this study for the development of science are that the efficient allocation of education spending will be able to improve the quality of education which is a long-term solution to overcome poverty in Indonesia and for policymakers to be able to optimize education spending to achieve the expected educational goals.

This study seeks to examine the factors affecting the intention of Indonesian MSMEs to adopt QRIS. It leverages variables from the Technology Acceptance Model (TAM), customizing the TAM framework to address the unique perceptions of risk and cost among MSMEs in Indonesia. Data were gathered from 212 MSME participants in Brebes Regency through convenience sampling, a non-probability sampling technique, using Google Forms for survey distribution. The findings indicate that perceived ease of use positively and significantly influences attitudes, which, in turn, positively and significantly impact the intention to continue using QRIS. However, perceived benefits, perceived risks, and perceived costs did not significantly affect the intention to continue use.