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.

This study aims to develop a robust prioritization model for municipal projects in the Holy Metropolitan Municipality (Makkah) to address the challenges of aligning short-term and long-term objectives. The research explores How multi-criteria decision-making (MCDM) techniques can prioritize municipal projects effectively while ensuring alignment with strategic goals and local needs. The methodology employs the analytic hierarchy process (AHP) and exploratory factor analysis (EFA) to ensure methodological rigor and data adequacy. Data were collected from key stakeholders, including municipal planners and community representatives, to enhance transparency and reliability. The model’s validity was assessed through latent factor analysis, confirming the relevance of identified criteria and factors. Results indicate that flood prevention projects are the highest priority (0.4246), followed by road projects (0.3532), park construction (0.1026), utility projects (0.0776), and digital transformation (0.0416). The study highlights that certain factors are critical for evaluating and prioritizing municipal projects. “Capacity and Demand” emerged as the most influential factor (0.5643), followed by “Strategic Alignment” (0.2013), “Project Interdependence” (0.1088), “Increasing Investment” (0.0950), and “Risk” (0.0306). These findings are significant as they offer a structured, data-driven approach to decision-making aligned with Saudi Vision 2030. The proposed model optimizes resource allocation and project selection, representing a pioneering effort to develop the first prioritization framework specifically tailored to Makkah’s unique municipal needs. Notably, this is the first study to establish a prioritization method specifically for Makkah’s municipal projects, providing valuable contributions to the field.

In response to the challenges of climate change, this study explores the use of moringa pod powder as reinforcement in the manufacture of compressed earth bricks to promote sustainable building materials. The objective is to evaluate the impact of African locust bean pod powder on the mechanical properties of the bricks. Two types of soils from Togo were characterized according to geotechnical standards. Mixtures containing 8% African locust bean pod powder at various particle sizes (0.08 mm, 2 mm, and between 2 and 5 mm) were formulated and tested for compression and tensile strength. The results show that the addition of African locust bean pod reduces the mechanical strength of the bricks compared to the control sample without pods, with strengths ranging from 0.697 to 0.767 MPa, compared to 0.967 to 1.060 MPa for the control. However, the best performances for the mixtures were obtained with a fineness of less than 2 mm. This decrease in performance is attributed to several factors, including inadequate water content and suboptimal preparation and compaction methods. Optimizing formulation parameters is necessary to maximize the effectiveness of African locust bean pods. This work highlights the valorization of agro-industrial waste, paving the way for a better understanding of bio-based materials and future research for sustainable construction.

This study conducts a systematic review to explore the applications of Artificial Intelligence (AI) in mobile learning to support indigenous communities in Malaysia. It also examines the AI techniques used more broadly in education. The main objectives of this research are to investigate the role of Artificial Intelligence (AI) in support the mobile learning and education and provide a taxonomy that shows the stages of process that used in this research and presents the main AI applications that used in mobile learning and education. To identify relevant studies, four reputable databases—ScienceDirect, Web of Science, IEEE Xplore, and Scopus—were systematically searched using predetermined inclusion/exclusion criteria. This screening process resulted in 50 studies which were further classified into groups: AI Technologies (19 studies), Machine Learning (11), Deep Learning (8), Chatbots/ChatGPT/WeChat (4), and Other (8). The results were analyzed taxonomically to provide a structured framework for understanding the diverse applications of AI in mobile learning and education. This review summarizes current research and organizes it into a taxonomy that reveals trends and techniques in using AI to support mobile learning, particularly for indigenous groups in Malaysia.

The major goal of decisions made by a business organization is to enhance business performance. These days, owners, managers and other stakeholders are seeking for opportunities of modelling and automating decisions by analysing the most recent data with the help of artificial intelligence (AI). This study outlines a simple theoretical model framework using internal and external information on current and potential clients and performing calculations followed by immediate updating of contracting probabilities after each sales attempt. This can help increase sales efficiency, revenues, and profits in an easily programmable way and serve as a basis for focusing on the most promising deals customising personal offers of best-selling products for each potential client. The search for new customers is supported by the continuous and systematic collection and analysis of external and internal statistical data, organising them into a unified database, and using a decision support model based on it. As an illustration, the paper presents a fictitious model setup and simulations for an insurance company considering different regions, age groups and genders of clients when analysing probabilities of contracting, average sales and profits per contract. The elements of the model, however, can be generalised or adjusted to any sector. Results show that dynamic targeting strategies based on model calculations and most current information outperform static or non-targeted actions. The process from data to decision-making to improve business performance and the decision itself can be easily algorithmised. The feedback of the results into the model carries the potential for automated self-learning and self-correction. The proposed framework can serve as a basis for a self-sustaining artificial business intelligence system.

This research aims to identify the development of research theme trends that were carried out from 1999 to 2024. Thus, the study’s results can provide recommendations regarding research themes that can be developed to meet theoretical and practical needs. Researchers use bibliometric analysis to obtain the appropriate analysis. This analysis method can be developed to support the dynamic development of public health science with settings and researchers from developing countries, both through quantitative and qualitative interpretation. The analysis results show that over 25 years, public health science, from the perspective of researchers and developing countries, has experienced dynamic development. This change was driven by the emergence of various issues in society itself. For example, the 1999–2009 shows that lifestyle changes have resulted in multiple diseases. In the following period, the concept of sustainability emerged, which encouraged awareness of sustainable development and resource scarcity that would affect public health quality. As for the 2020–2024 period, the emergence of Covid 19 changed the previous research paradigm.