Purpose: The purpose of this paper is to explore the impact of Artificial Intelligence on the performance of Indian Banks in terms of financial metrics. The study focused specifically on the NIFTY Bank Index. The paper also advocates that a greater transparency in disclosing AI related information in a Bank’s annual report is required even if it is voluntary. Design/Methodology/Approach: The paper uses a mixed method approach where quantitative and qualitative analysis is combined. A dynamic panel data model is used to understand the impact of AI of Return on Equity (RoE) of 12 Indian Banks in the NIFTY Bank Index over a five-year period. In addition to that, Content analysis of annual reports of banks was conducted to examine AI related disclosure and transparency. Findings: The paper highlights that the integration of Artificial Intelligence (AI) significantly influences the financial performance of sample banks of India. Return on Equity the specific parameter positively influenced with adoption of AI. The profitability of banks is positively impacted by reduced errors and improved operational efficiency. The content analysis of annual reports of the banks indicates different approach for AI disclosure where some banks give detailed information and some are not transparent about AI initiatives. The findings suggest that a higher level of transparency could enhance confidence of all stakeholders. Theoretical Implications: The positive relation between adoption of AI and financial performance, specifically ROE, gives a foundation for academic research to explore the dynamics of emerging technology and financial systems. The study can be extended to explore the impact on other performance indicators in different sectors. Practical Implications: The findings of this study emphasize the importance of transparent AI related disclosures. A detailed reporting about integration of AI helps in enhanced stakeholders’ confidence in case of banking industry. The regulatory framework of banks may also consider making mandatory AI disclosure practices to ensure due accountability to maximize the benefits of AI in banking.

In order to diversify a portfolio, find prices, and manage risk, derivatives products are now necessary. There is a lack of understanding of the true influence of derivatives on the behavior of the underlying assets, their volatility consequences, and their pricing as complex instruments. There is a dearth of empirical research on how these instruments impact company risk exposures and inconsistent findings. This study examines corporate derivatives’ impact on stock price exposure and systematic risk in South African non-financial firms. Using a dataset of listed firms from 2013 to 2023, we employ Generalized Autoregressive Conditional Heteroscedasticity (GARCH) models to assess the effect of derivatives on return volatility and beta, a measure of systematic risk. Additionally, we apply the Generalized Method of Moments (GMM) to address potential endogeneity between firm characteristics and derivatives use. Our findings suggest that firms using derivatives experience lower overall volatility and reduced systematic risk compared to non-users. The results are robust to various control factors, including firm size, leverage, and macroeconomic conditions. This study fills a gap in the literature by focusing on an underrepresented emerging market and provides insights relevant to global risk management practices.

This study fills a significant need in the literature by exploring the efficacy of wearable technologies as helpful aids for special needs students in Saudi Arabia. This 12-month quantitative study used a purposive sample of 150 kids representing a range of disability classifications. This study examines the effects of wearable technology, such as smartwatches and augmented reality goggles, on students’ concentration and performance in the classroom. Wearable technology offers great promise, as descriptive statistics show that the experimental group had better involvement and academic achievement. The experimental and control groups vary significantly in terms of academic performance and engagement, as shown by independent samples t-tests. Wearable technology’s distinct benefits are further shown by regression analysis, which shows a favorable correlation with academic achievement after the intervention. According to the results, wearable tech has great promise for inclusive education in Saudi Arabia. Strategic integration, teacher professional development, ongoing research, better accessibility, and wearable gadget customization are some of the suggestions. Stakeholders may use these recommendations as a road map to build a welcoming and technologically sophisticated classroom. This study adds to the growing body of knowledge on assistive technology, especially in Saudi Arabia, and has important implications for academics, politicians, and educators.

The menace of road traffic accidents (RTAs) has become a major constraint to development in most developing countries because of driving behaviour. This study examines the effects of road users’ education programmes on driving behaviour toward RTA reduction in Nigeria. Data for the study were collected by random sampling of 287 respondents. The respondents comprising road safety officers and drivers were selected at six (6) zonal headquarters of the Federal Road Safety Commission. The questionnaire presented seventeen (17) statements in a 5-point Likert scale for the respondents to rank in order of importance as they have influenced driving behaviour. The data collected were analysed using exploratory factor analysis to identify the most significant effects of road user education on driving behaviour. The study found that road user education programmes have influenced driving behaviour by improving bad driving acts, maintaining good vehicle conditions, and obeying road communication signs. The finding implies that appropriate driving behaviour will reduce road traffic accidents.

Ticket revenues are crucial for the financial success of sports teams. To maximize these revenues, teams continuously explore effective ticket promotional strategies. One such strategy includes partial season plans, which mirror bundle offers common across various industries. Another widespread promotional strategy across industries is offering discounted credit (i.e., store credit purchased at a lower price than its face value). However, its application in sports (e.g., providing a $500 credit for tickets at $450) remains limited. Therefore, this study explores critical questions such as: “How effective is offering discounted credit compared to partial season plans?” and “What factors influence ticket promotion preferences?” Consequently, the study employed a 2 × 2 × 2 experimental designs, considering three independent variables: promotion type (discounted credit vs. partial season plans), promotion flexibility (predefined vs. customizable), and the consumer’s distance to the venue (near vs. distant). Results indicated that partial season plans generated significantly higher perceived value and purchase intentions  while presenting lower perceived risks than discounted credit . Promotion flexibility did not significantly influence the three dependent variables , but the distance to the venue did . Both practical and theoretical implications of these findings are discussed.

The COVID-19 pandemic has significantly restricted household resilience, particularly in developing countries. The study investigates the correlation between livelihood capital and household resilience amid uncertainties due to the COVID-19 pandemic, specifically in Bekasi Regency, West Java Province, Indonesia. Livelihood capital encompasses social, human, natural, physical, and financial, which are crucial in shaping household resilience. This study used the SEM-PLS method and utilized a survey of 120 respondents (household heads) from four villages in two districts (Muaragembong and South Tambun) in Bekasi Regency to identify critical factors that either enhance or impede rural household resilience during and after the pandemic. Findings reveal that households possessing human capital, financial capital, and empowerment are more adept at navigating socioeconomic difficulties during and after the pandemic. However, this research stated that trust and social networks enhance household resilience during the pandemic, whereas social norms are crucial for rebuilding household resilience in the post-pandemic phase. The finding revealed that social cohesion adversely affected household resilience during and after the pandemic, while trust diminished household resilience in the post-pandemic COVID-19 phase. These findings offer insight to policymakers, scholars, and other stakeholders aiming to foster household resilience during and in recovery efforts after the pandemic.