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.

This article examines how financial technology determines bank performance in different EU countries. The answer to that question would allow banks to choose their development policy. The paper focuses  on the main and most popular bank services that are linked to financial technology. A SWOT analysis of FinTech is also presented to show the benefits and drawbacks of FinTech. FinTech-based services are very diverse and are provided by financial  firms and banks alike. This paper looks at the financial technology provided by banks: internet usage (internet banking), number of ATMs, credit transfers in a country, percentage of the population in a country holding a debit or credit card and whether that population has received or made a digital payment. Using the multi-criteria assessment methods of CRITIC and EDAS, the authors analysed and compared the countries of the European Union and the financial technology used in them. As a result of the application of these methods, the EU countries under consideration were ranked in terms of the use of financial technology. Subsequently, three banks from different countries with different levels of the use of financial technology were selected for the study. For these banks, financial ratios of profitability were calculated to characterise their performance. Correlation and pairwise regression analyses between the banks’ profitability ratios and financial technology were used to assess the relationship and influence between these ratios. The main conclusion of the study focuses on the extent to which financial technology influences the performance of banks in the selected countries. It is likely that further research will try to take into account the size of the country’s population when analysing all financial technologies. Researchers also needed to find out what influence financial technologies have on the such financial indicators as operational efficiency (costs), financial stability, and capital adequacy.

Urban public spaces are the interface of any city that could tell about the city’s dynamic and status quo. In addition, Urban public spaces play a pivotal role in shaping societies’ dynamics and can significantly affect conflict and peacebuilding initiatives. In a context marked by Conflict’s profound impact, this article aims to contribute to the knowledge base for informed urban interventions that foster positive interactions and reconciliation in post-conflict cities. The article seeks to explore the intricate relationship between urban spaces and their influence on war or to promote sustainable peacebuilding through investigating the various roles of the urban public spaces during the war and peacetimes via residents’ experiences of the diverse spaces’ functions that shaped the city’s status quo. In addition, considering the interplay of social dynamics, conflict history, and the mental spatial map of cities in public urban spaces can influence lasting peace or upcoming conflicts. This article focuses on Aleppo as a case study, understanding the positive and negative experiences from the residents’ perspective before and during the current war in Syria, and even distinguishes between two periods during the recent war, which are the active violence and after the end of the direct active violence, where it could inform the decision-makers and urban planners on the areas of focus while developing post-war urban public spaces to ensure its positive role in fostering peace and be able to deal with the social dynamic and the mental spatial map that developed along with the conflict history. The paper utilised a mixed-methods approach, encompassing a case study review of Aleppo City from an urban perspective and fieldwork involving focus group discussions and semi-structured interviews with Aleppian from different backgrounds and geographic areas that represent the social dynamic of the city, as well as approached Aleppian who are still in living in the city and those who flee out of it to ensure the coverage of different political direction in addition field work engaged with academia and technical from the city who shared their knowledge and experiences working in the city. Participants were prompted to reflect on their pre-war familiarity with public places and share their experiences. These experiences were categorized by enabling a comprehensive understanding of how conflict context influenced these spaces. The article results offer an understanding of the peace-guiding functions of the urban public spaces based on the city residents’ experiences that could inform architects and urban planners in designing spaces conducive to sustainable peacebuilding. The article’s findings underscore the importance of strategically designed urban public spaces in promoting peace and social cohesion.

The current era of Industry 4.0, driven by advanced technologies, holds immense potential for revolutionising various industries and fostering substantial economic growth. However, comprehending intricate processes of policy change poses difficulties, impeding necessary adaptations. Public apprehensions are growing about the inertia and efficacy of policy changes, given the influential role of policy environments in shaping development amidst resource constraints. To address these concerns, the study introduces the Kaleidoscope Model of policy change, serving as a roadmap for policymakers to enact effective changes. The study investigates the mediating impact of cultural change within the framework of the Kaleidoscope Model. The study delves into cultural influences by incorporating the Behavior Change Wheel (BCW) Theory. The methodology involves questionnaires survey, analysing using Structural Equation Modelling (SEM). The findings reveal that only the Policy Adoption and Policy Implementation components significantly affect the assessment of the effectiveness of the Construction 4.0 policy. Intriguingly, the final model demonstrates no discernible connection between the Kaleidoscope Model and the cultural influences. This study makes a noteworthy contribution to the realm of political science by furnishing a comprehensive framework and directives for the successful implementation of the Construction 4.0 policy.