This study investigates the evolution of monetary policy in Ghana and explores the potential of Central Bank Digital Currencies (CBDCs), specifically the e-Cedi, as a tool to enhance financial inclusion and modernize the country’s financial system. Ghana’s monetary policy framework has undergone significant transformations since the establishment of the Bank of Ghana in 1957, with notable achievements in stabilizing the economy and managing inflation. However, large segments of the population, particularly in rural areas, remain unbanked or underbanked, highlighting the limitations of traditional monetary tools. The introduction of the e-Cedi presents an opportunity to bridge these gaps by providing secure, efficient, and accessible financial services to underserved communities. The study employs a qualitative research design, integrating historical analysis, case studies, and thematic analysis to assess the potential benefits and challenges of CBDCs in Ghana. Key findings indicate that while the e-Cedi could significantly enhance financial inclusion, challenges related to technological infrastructure, cybersecurity, and public trust must be addressed. The study concludes that a balanced approach, which prioritizes digital infrastructure development, strong cybersecurity measures, and collaboration with financial institutions, is essential for maximizing the potential of CBDCs in Ghana. Recommendations for future research include a deeper exploration of the impact of CBDCs on financial stability and further analysis of rural adoption barriers.

Scientists have harnessed the diverse capabilities of nanofluids to solve a variety of engineering and scientific problems due to high-temperature predictions. The contribution of nanoparticles is often discussed in thermal devices, chemical reactions, automobile engines, fusion processes, energy results, and many industrial systems based on unique heat transfer results. Examining bioconvection in non-Newtonian nanofluids reveals diverse applications in advanced fields such as biotechnology, biomechanics, microbiology, computational biology, and medicine. This study investigates the enhancement of heat transfer with the impact of magnetic forces on a linearly stretched surface, examining the two-dimensional Darcy-Forchheimer flow of nanofluids based on blood. The research explores the influence of velocity, temperature, concentration, and microorganism profile on fluid flow assumptions. This investigation utilizes blood as the primary fluid for nanofluids, introducing nanoparticles like zinc oxide  and titanium dioxide (. The study aims to explore their interactions and potential applications in the field of biomedicine. In order to streamline the complex scheme of partial differential equations (PDEs), boundary layer assumptions are employed. Through appropriate transformations, the governing partial differential equations (PDEs) and their associated boundary conditions are transformed into a dimensionless representation. By employing a local non-similarity technique with a second-degree truncation and utilizing MATLAB’s built-in finite difference code (bvp4c), the modified model’s outcomes are obtained. Once the calculated results and published results are satisfactorily aligned, graphical representations are used to illustrate and analyze how changing variables affect the fluid flow characteristics problems under consideration. In order to visualize the numerical variations of the drag coefficient and the Nusselt number, tables have been specially designed. Velocity profile of -blood and -blood decreases for increasing values of  and , while temperature profile increases for increasing values of  and . Concentration profile decreases for increasing values of , and microorganism profile increases for increasing values of . For rising values of  and  the drag coefficient increases and the Nusselt number decreases for rising values of  and  The model introduces a novel approach by conducting a non-similar analysis of the Darchy-Forchheimer bioconvection flow of a two-dimensional blood-based nanofluid in the presence of a magnetic field.

Fraudulence in cosmetic ingredients is becoming increasingly prevalent, alongside the rising demand and utilization of cosmetics within the populace. One of the whitening agents still utilized in cosmetics is mercury, present in forms such as mercury chloramide (HgNH₂Cl₂) and mercury chloride (HgCl₂). Prolonged mercury exposure can have adverse health effects. To address this issue, alternative mercury analysis methods in samples have been developed, including the utilization of silver nanoparticles amalgamated with sweet potato starch as a stabilizing agent. This paper aims to delve into the roles of silver nanoparticle AgNO₃ and sweet potato starch (as a stabilizer) as a sensor for mercury detection, which can be applied in cosmetic products. Detection of mercury utilizing nanoparticles is based on the Surface Plasmon Resonance phenomenon, which endows a high level of selectivity and sensitivity toward the presence of mercury metal ions. When interaction occurs between mercury metal and silver nanoparticles, the liquid undergoes a color change from yellowish-brown to transparent. This phenomenon arises from the oxidation of AgO (yellow) to Ag⁺ ions (transparent) by the mercury metal. Consequently, a silver nanoparticle sensor utilizing sweet potato starch as a stabilizing agent exhibits the potential to detect mercury metal within a substance with high efficacy.

Given the eclectic and localized nature of environmental risks, planning for sustainability requires solutions that integrate local knowledge and systems while acknowledging the need for continuous re-evaluation. Social-ecological complexity, increasing climate volatility and uncertainty, and rapid technological innovation underscore the need for flexible and adaptive planning. Thus, rules should not be universally applied but should instead be place-based and adaptive. To demonstrate these key concepts, we present a case study of water planning in Texas, whose rapid growth and extreme weather make it a bellwether example. We review historic use and compare the 2002, 2007, 2012, 2017 and 2022 Texas State Water Plans to examine how planning outcomes evolve across time and space. Though imperfect, water planning in Texas is a concrete example of place-based and adaptive sustainability. Urban regions throughout the state exhibit a diversity of strategies that, through the repeated 5-year cycles, are ever responding to evolving trends and emerging technologies. Regional planning institutions play a crucial role, constituting an important soft infrastructure that links state capacity and processes with local agents. As opposed to “top-down” or “bottom-up”, we frame this governance as “middle-out” and discuss how such a structure might extend beyond the water sector. 

With the advancement of modernization, commoditization and grassroots governance have become important terms. Community governance not only promotes modern democracy but plays a key role in improving community governance capabilities and modernizing the governance system, which is receiving much attention. Despite the expanding number of articles on community governance, few evaluations investigate its evolution, tactics, and future goals. As a result, the particular goal of this study is to provide the findings of a thematic analysis of community governance research. Investigating the skills and procedures needed for practice-based community government. Data for this study were gathered through a thematic assessment of 66 papers published between 2018 and 2023. The pattern required by the researchers was provided by the ATLS.ti23 code used to record the review outcomes. This study proposes six central themes: 1) rural advancement, 2) community (social) capital, 3) public health and order governance, 4) governance technology, 5) sustainable development, and 6) governance model. The research results show that the research trend of community governance should focus on rural advancement, taking rural community governance as the starting point, the dilemma and adjustment of the governance model, community public health and order governance, and digital governance. It will yield new insights into new community governance standards and research trends.