Credit risk assessment is one of the most important aspects of financial decision-making processes. This study presents a systematic review of the literature on the application of Artificial Intelligence (AI) and Machine Learning (ML) techniques in credit risk assessment, offering insights into methodologies, outcomes, and prevalent analysis techniques. Covering studies from diverse regions and countries, the review focuses on AI/ML-based credit risk assessment from consumer and corporate perspectives. Employing the PRISMA framework, Antecedents, Decisions, and Outcomes (ADO) framework and stringent inclusion criteria, the review analyses geographic focus, methodologies, results, and analytical techniques. It examines a wide array of datasets and approaches, from traditional statistical methods to advanced AI/ML and deep learning techniques, emphasizing their impact on improving lending practices and ensuring fairness for borrowers. The discussion section critically evaluates the contributions and limitations of existing research papers, providing novel insights and comprehensive coverage. This review highlights the international scope of research in this field, with contributions from various countries providing diverse perspectives. This systematic review enhances understanding of the evolving landscape of credit risk assessment and offers valuable insights into the application, challenges, and opportunities of AI and ML in this critical financial domain. By comparing findings with existing survey papers, this review identifies novel insights and contributions, making it a valuable resource for researchers, practitioners, and policymakers in the financial industry.

This study investigates the role of Chat-GPT with augmented reality applications in enhancing tourism experiences in Thailand, focusing on behavioral intentions and innovation adoption to reduce stress in the tourism industry. The research addresses two key objectives: identifying factors driving consumers' behavioral intentions to adopt AR apps and evaluating the robustness of a modified innovation framework for analyzing these intentions. A conceptual model integrating innovativeness, attitudes, perceived enjoyment, and revisit intentions was developed and tested using Structural Equation Modeling with data from 430 Thai tourists who have one to three years of mobile application experience. The findings highlight that service and technology innovation significantly influence perceived enjoyment and attitude, which in turn mediate the impact on behavioral intention to adopt augmented reality applications. At a significance level of p < 0.001, perceived enjoyment and attitude were identified as critical determinants of BI, underscoring the importance of intrinsic user experiences. Tourists are more likely to adopt augmented reality technologies based on personal perceptions and enjoyment rather than external recommendations. This research provides actionable insights for stakeholders in the tourism technology ecosystem, including technology providers, marketers, and policymakers. By emphasizing the interplay of social, emotional, and hedonic factors in shaping user attitudes, the study introduces a robust framework for advancing augmented reality applications in tourism. The findings underscore the importance of user-centric design to drive technology adoption and offer strategic guidance for developers and entrepreneurs aiming to enhance tourism experiences through innovative augmented reality solutions.

The global climate governance process will have a profound impact on geopolitical relations, and, at the same time, these will determine the direction of cooperation in international climate governance. The European Union and the United States are the most important players in the global governance of climate change, and their competing policy orientations and dynamics have a major impact on trends in this field. In this context, Africa is the region most vulnerable to climate change, and the climate issue in Africa has become one of the frontiers of competition between major powers. Indeed, major powers are increasingly competing in Africa, primarily in the areas of climate leadership, program provision, and capacity building. The study is based on the review of articles and research works regarding the global climate change strategies, especially in AFRICA (2020–2024); it also collected information and statistics from the websites and reports of world banks. In the future, the European Union and Africa should work together to build a new era of strategic partnerships to fight climate change. To do this, they should strengthen their strategic collaboration in global climate governance, look for new ways to work together in old ways, and make their cooperation more effective and efficient.

This study examines how Artificial Intelligence (AI) enhances Sharia compliance within Islamic Financial Institutions (IFIs) by improving operational efficiency, ensuring transparency, and addressing ethical and technical challenges. A quantitative survey across five Saudi regions resulted in 450 validated responses, analyzed using descriptive statistics, ANOVA, and regression models. The findings reveal that while AI significantly enhances transparency and compliance processes, its impact on operational efficiency is limited. Key barriers include high implementation costs, insufficient structured Sharia datasets, and integration complexities. Regional and professional differences further underscore the need for tailored adoption strategies. It introduces a novel framework integrating ethical governance, Sharia compliance, and operational scalability, addressing critical gaps in the literature. It offers actionable recommendations for AI adoption in Islamic finance and contributes to the global discourse on ethical AI practices. However, the Saudi-specific focus highlights regional dynamics that may limit broader applicability. Future research could extend these findings through cross-regional comparisons to validate and refine the proposed framework. By fostering transparency and ethical governance, AI integration aligns Islamic finance with socio-economic goals, enhancing stakeholder trust and financial inclusivity. The study emphasizes the need for targeted AI training, the development of structured Sharia datasets, and scalable solutions to overcome adoption challenges.

This study validates the Intercultural Competence and Inclusion in Education Scale (ICIES), a novel instrument designed to assess students’ perceptions of inclusivity and intercultural competence in multiethnic secondary schools. Using a sample of 276 high school students from Western Romania, the ICIES identified three dimensions: ethnic appreciation and support, intercultural engagement and integration, and school unity and cohesion. Exploratory factor analysis confirmed the scale’s structural validity, while network analysis revealed key interconnections among its components. Findings highlight the critical role of inclusive teaching strategies and school cohesion in fostering intercultural competence. The ICIES provides educators and policymakers with actionable insights for designing interventions that promote empathy, mutual respect, and a sense of belonging in diverse school settings. These results contribute to the development of educational policies aimed at fostering inclusion and addressing the needs of increasingly multicultural classrooms.

In this research, we employed multivariate statistical methods to investigate the perspectives of small and medium-sized enterprises (SMEs) concerning the Extended Producer Responsibility (EPR) regulation and their apprehensions related to EPR compliance. The EPR regulation, which places the responsibility of waste management on producers, has significant financial and administrative implications, particularly for SMEs. A sample of 114 businesses was randomly selected, and the collected data underwent comprehensive analysis. Our findings highlight that a notable proportion of businesses (44.7%) possess knowledge of the EPR regulation’s provisions, whereas only a marginal fraction (1.8%) lacks sufficient familiarity. We also explored the interplay between opinions on the EPR regulation and concerns regarding its financial and administrative implications. Our results establish a significant correlation between EPR regulation opinions and concerns, with adverse opinions prominently influencing concerns, particularly regarding financial burdens and administrative workloads. These outcomes, derived from the application of multivariate statistical techniques, provide valuable insights for enhancing the synergy between environmental regulations and business practices. EPR regulation significantly affects SMEs in terms of financial, administrative, and legal obligations, thus our study highlights that policymakers may need to consider additional support mechanisms to alleviate the regulatory burden on SMEs, fostering a more effective and sustainable implementation of the EPR regulation.

This study aims to explore the research on Chinese higher education policy from 2005 to 2024 through a bibliometric analysis. It is revealed that a continuous growth trend and sustained academic interest in this field. Mainland China leads in publication quantity, showcasing the active involvement of Chinese scholars in higher education policy research. Institutions like Peking University, the University of Hong Kong, and Beijing Normal University play significant roles in this research domain. The focus of research has shifted from student attitudes to international students, teachers, innovation models, changing demands, and urban education development, reflecting a growing emphasis on sustainability and internationalization. The study highlights the positive development trajectory of Chinese higher education policy research, with expanding research focuses and deepening concerns for sustainability and internationalization.