Era Of Technology Research Articles

Evaluation of the fintech era on the performance of Moroccan banks: analysis through non-performing loans

Background This study aims to contribute to a better understanding of the impact of the financial technologies (fintech) era on the performance in the banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is a question of knowing whether banking investment in fintech makes it possible to better evaluate the granting of credits, and therefore makes it possible to reduce overdue credits. Methods To this end, the method used consists of using a regression analysis and a Pearson correlation applied to the financial data of Moroccan banks observed during two distinct periods, namely 2007-2014, considered pre-fintech, and the period 2015-2022, considered as the fintech period. Results With the emergence of the fintech era, the Moroccan banking situation improved slightly compared to the pre-fintech period: bad debts did not increase despite the significant increase in net banking income and the size of banking assets during the fintech era. Conclusions The implementation of fintech has improved customer relationship management, credit risk analysis and loan monitoring services, which ultimately reduces non-performing loans and improves the coverage of non-performing loans by provisions. The main implication of the results allows us to deduce that the implementation of fintech makes it possible to have a positive impact on overdue credits, and they are also likely to serve as a lever for the inclusion of those excluded from banking services.

Need for ICT adoption in the teaching of Christian religious education at the basic education level in Nigeria

The acquisition of essential skills and knowledge is considered a primary aim of education to effectively navigate and succeed in various aspects of life. In modern times, the role involves proactive engagement in a society that is rich in information, where knowledge is considered the primary driver for the socio-cultural and politico-economic progress of nations. The teaching and learning of religious education has not fully utilized the abundant resources available in the Information and Communication Technologies (ICT) era, owing to several limitations. This study analyzed the current status of religious education during this era, as well as the factors that facilitate, inhibit or hinder the integration of ICT in Nigerian basic education level. The research provides recommendations for the effective integration of ICT initiatives in the teaching of Christian religious education within Nigerian basic education level in the contemporary era. The study employed quasi-experimental design. The research suggests that it would be beneficial for Nigerian basic education level to be equipped with contemporary computer laboratories by the appropriate authorities, for the benefit of both basic education level students and teachers.

Improving the functionality of biosensors through the use of periodic and quasi-periodic one-dimensional phononic crystals

Abstract Resonant acoustic band gap materials have steered a new sensing technology era. This study is presented to investigate of the one-dimensional (1D) phononic crystals (PnCs), involving periodic, as well as quasi-periodic 1D layered PnCs represented as a highly sensitive biosensor to detect and monitor the quality of milk. In this regard, the numerical findings show that the examined periodic PnCs structure outperformed the quasi-periodic structure. In particular, it provides a wider phononic band gap and greater sensitivity as well. In addition, the quasi-periodic design (especially Fibonacci sequence S4) introduces multiple resonance peaks via transmission spectra, which may lead to some conflicts during the detection process. The findings reveal that the frequency of the resonant peak can effectively change with varied milk solution concentrations and temperatures. The optimized sensor is capable of differentiating between concentrations ranging between 0 and 50 % with a 10 % step, and it can also differentiate between temperatures, which range between 5 °C and 50 °C. This makes it ideal for precise detection of other liquids and solutions. The sensor performs efficiently for all milk solution concentrations. Here, the findings demonstrated that the examined defective PnC structure exhibited the most favorable sensitivity of the value of 94.34 MHz, so it showed the highest sensitivity when varying milk concentrations. In addition, the configurated sensor provided high QF and FOM values of 3,853.645161 and 157.42, respectively. On the other hand, the sensor performs very well for all temperatures of the milk solution. As such, the S 4 quasi-periodic structure is characterized as the optimal sensor structure when varying temperatures, introducing a sensitivity of 4.78 MHz/°C, QF of 4,278.521, and FOM of 7.48 °C−1.

Time in tight range: A key metric for optimal glucose control in the era of advanced diabetes technologies and therapeutics.

Compared to glycated haemoglobin A1c (HbA1c), the rapidly developing continuous glucose monitoring (CGM) technology provides more detailed information about glycemic control. Amongst the new glucose metrics derived from CGM, time in target range of 3.9-10.0 mmol/L (time in range, TIR) has been widely used for the assessment of glucose control. In recent years, the rise of new technologies and therapies including advanced hybrid closed-loop automated insulin delivery systems and new hypoglycemic drugs has made it possible to achieve better glycemic control. In this context, the concept of time in tight range (TITR), defined as the percentage of time spent in target glucose range of 3.9-7.8 mmol/L, has gained increasing attention. Whilst TITR is highly correlated with TIR, there are still differences between the two metrics. These differences make TITR a more appropriate indicator in certain situations, such as when glucose levels are close to normal or when tighter glycemic control is required. This review summarizes recent studies related to TITR.

Spiritual Navigation : The Influence Application Religious to Life Sailors in the Era of Technology 5.0

Spiritual Navigation : The Influence Application Religious to Life Sailors in the Era of Technology 5.0

Contribution to Self-efficacy and Time-management to Enhance Reading Literacy

Reading is a basic knowledge and provides for competitiveness in this globalization and technology era, however, it is challenging for middle school students who are still in the identity crisis phase. This study aims to describe self-efficacy, time management, and reading literacy skills, and also analyze the contribution of self-efficacy and time management towards reading literacy skills of the Indonesian language in middle school students. The research method used a correlational relationship. A total of 372 middle school students participated in the research. The sample was gathered using probability sampling, which was a cluster random sampling technique. Data were collected using a self-efficacy scale, time-management scale, and reading literacy evaluation scores. Then, they were analyzed using multiple linear regression, after the assumption test. Results found that self-efficacy and time management separately aren’t significantly related to reading literacy skills, yet together they significantly contribute to reading literacy skills in the Indonesian language among middle school students. Self-efficacy contributed to 9.1% and time management contributed 8.6% to reading literacy skills. The proposed regression model is adequate for predicting the reading literacy variable. Keywords: reading literacy, self-efficacy, time management

Pelatihan Optimasi Google Search Engine dan Google Lens Untuk Media Pembelajaran Siswa SMK Negeri 18 Samarinda

The era of advanced technology in the world of education, demands adaptation from educators to use technology for learning. Merdeka curriculum also provides learning opportunities not only in class, but also outside the classroom. The smartphone devices used need to be optimized for learning, therefore educators must improve their skills and mastery of the use of technology. SMK Negeri 18 Samarinda already has a laboratory, but the facilities are not adequate, besides that some teacher and student have never used google lens. For the google search engine teacher and student are familiar, but there are several keyword optimization operators that are not yet known. The purpose of the service is to provide training in optimizing google search engine and google lens as a learning media for teachers and students. There are 3 methods used for this training. First, the lecture method in explaining the material. Second, the demonstration method for how to use it. Third, the practice method together with teacher and students practicing the use of google search engine and google lens optimization. The result achieved in this training as a whole from 32 participants who filled in where very satisfied with this training, namely 46,9% and satisfied by 34,4%. The training material also relevant to learning needs with very relevant 46,9% and relevant 34,4%. News skills are also obtained from both the google search engine features and google lens as supporting learning media. Teacher and students are also motivated by the training and can apply it well. This training program is expected to be applied ini classroom learning and outside the classroom using google lens.

The Quiet Quote: Thoughts on Quotation Norms and Plagiarism in the Judeo-Arabic Culture of the High and Late Middle Ages

Abstract In this paper, I strive to emphasize the phenomenology of quotation norms among Medieval Jewish scholars in an Islamicate context. The examined texts shed new light on the theme of plagiarism. The article ponders a fascinating connection raised in Jewish tradition between the legal normativity of quotation and the eschatological doctrine of deliverance. This research is both philological and comparative and stands at the intersection between law, literature, and philosophy. The last parts of the article show that the concept of plagiarism is a later phenomenon and that the discourse in this regard is modern by all means. It is connected with concepts such as intellectual property, which is mostly grounded in human rights discourse. In the appendix, I show the reductio ad absurdum of this phenomenon in modern times and address the heightened complexity of the issue in the technological era, with the promotion and growing influence of artificial intelligence.

The Influence of Job Satisfaction and Employee Engagement on Turnover Intention at PT. Dayamitra Telekomunikasi, Tbk. (Study of Mitratel Employees)

The rapid advancement of business in the seamless technology era has disrupted nearly every industry. Amidst this disruption, PT. Dayamitra Telekomunikasi (also known as/abbreviated as “Mitratel”) has encountered challenges, particularly an increasing rate of employee turnover. This turnover is thought to be driven by employee dissatisfaction with various internal and external company factors, along with low engagement levels. Previous research suggests that poor job satisfaction often results in higher turnover intentions, whereas strong employee engagement can help reduce turnover. This study explores the relationship between job satisfaction, employee engagement, and turnover intention at PT Dayamitra Telekomunikasi. The study employed a questionnaire based on an ordinal Likert scale, with data analyzed using the Partial Least Square (PLS) model, which doesn’t require a normal distribution and uses bootstrap techniques to examine correlations between latent variables. The results show that job satisfaction significantly impacts turnover intention, with 76.1% of job satisfaction indicators negatively influencing turnover intentions. However, employee engagement has minimal influence, with only 3.2% of engagement indicators affecting turnover intention. Therefore, while higher job satisfaction reduces turnover, employee engagement does not substantially affect turnover intentions. In summary, the study confirms that job satisfaction is crucial in lowering turnover intention, consistent with previous research, while employee engagement has a negligible effect on turnover rates.

Pengaruh Digital Financial Literacy Terhadap Perilaku Keuangan Masyarakat Kota Gresik

Financial literacy can be generally defined as a person's ability to understand, analyze, manage and communicate personal finances. Technological advances can have an impact on people's financial behavior. So financial literacy in this era of sophisticated digital technology and virtualization is very important for society, so digital financial literacy needs to be understood by the public. Digital financial literacy (DFL) is financial literacy in the form of digital financial technology. Demographic factors also influence financial behavior in society. Demographic factors can have an influence because the older you get, the more experience you have, including your financial intelligence, which also increases. This research used a sample of 125 respondents and obtained data from the results of a questionnaire distributed using the Likert scale assessment method. The analysis method uses structuralEquation Modeling Partial Least Square (SEM PLS) analysis. The results of this research conclude that Digital Financial Literacy (DFL) has been proven to have a good and significant effect on the financial behavior of the people of Gresik City. And educational demographics are proven to have a good and significant effect in moderating the influence of DFL on financial behavior.

Good Practices Pemanfaatan Media Internet dan Media Sosial dalam Pembelajaran

Learning media is very important as a means of describing information and the essence of the learning process. Learning media provides benefits so that students more quickly understand the essentials of learning objectives that have been well designed. In the current technology and information-based era, the development of media that supports technology-based or digital learning processes has been very massive. The aim of this study is to identify best practices in the use of technology and information used in learning media specifically related to the diversity of types of internet-based learning media that are already commonly used. The method used in this scientific work is qualitative analysis using literature review studies, namely collecting various sources of information from scientific journals, books, articles and so on. The results of this study are learning media using media. The internet and social media make it easier for educators to understand learning material better, besides that digital-based learning media can be studied repeatedly so that students understand the lesson material better. Types of internet-based learning media that have benefits for students include interactive multimedia, digital video and animation, podcasts, augmented reality and virtual reality, game based learning, and several other methods.

Web-Based Expert System Chatbot Determines The Best Cheap Camera For New Users Using The Vikor Method

In this technological era, a variety of new products have emerged, including in transportation, industry, health, entertainment and business. Cameras are an example of an increasingly diverse range of products, especially in mobile devices. However, the wide variety of cameras can be confusing. The VIKOR method is an approach to ranking the closest solution to the ideal solution in ranking. This is useful in situations where criteria conflict with each other, helping to find the optimal solution through a multicriteria ranking index. Especially in discrete decision making, VIKOR helps determine the ideal solution from conflicting alternatives. Testing this method is used in assessing cameras to help beginners choose the best type of camera based on user answers. By processing camera data through the VIKOR method and filter questions,

TEACHING ENGLISH LEXICON BASED ON COMPETENCY APPROACH IN A DIGITAL EDUCATIONAL ENVIRONMENT

This article discusses the issues of teaching English lexicon based on a competency approach in a digital educational environment during the current era of advanced science and technology.

Perceived Shopping Value in the Era of New Information and Communication Technologies (NICT): An Exploratory Study

Based on a literature review and the results of an exploratory qualitative study, this research examines the dimensions of the perceived value of retail stores in the era of new information and communication technologies (NICT). The results validated the dimensions of Holbrook's typology (1999) and identified new consumer expectations in relation to the integration of NICT in retail stores. These expectations significantly enrich the sub-dimensions of this Holbrook typology and encourage managers who intend to improve their commercial performance to make the shopping experience more immersive and digitalized.

HOW DIGITAL MARKETING DRIVES SALES FOR SMALL BUSINESSES?

In this article, we discuss how digital marketing is important to small businesses based on our survey. We will see factors that help small businesses increase their sales without spending a big amount of resources as businesses did. What are the privileges of digital marketing in the the technologies era and what are the difficulties of online marketing that small businesses face? According to statistics, we will see how methods like content marketing, social media, Facebook ads, and PPC influenced businesses in numbers. So, from this article, you can learn different digital marketing approaches, their importance, and how to overcome challenges.

Machine learning technology for good health and well-being for sustainable human security in South Africa

The failure to achieve sustainable development in South Africa is due to the inability to deliver quality and adequate health services that would lead to the achievement of sustainable human security. As we live in an era of digital technology, Machine Learning (ML) has not yet permeated the healthcare sector in South Africa. Its effects on promoting quality health services for sustainable human security have not attracted much academic attention in South Africa and across the African continent. Hospitals still face numerous challenges that have hindered achieving adequate health services. For this reason, the healthcare sector in South Africa continues to suffer from numerous challenges, including inadequate finances, poor governance, long waiting times, shortages of medical staff, and poor medical record keeping. These challenges have affected health services provision and thus pose threats to the achievement of sustainable security. The paper found that ML technology enables adequate health services that alleviate disease burden and thus lead to sustainable human security. It speeds up medical treatment, enabling medical workers to deliver health services accurately and reducing the financial cost of medical treatments. ML assists in the prevention of pandemic outbreaks and as well as monitoring their potential epidemic outbreaks. It protects and keeps medical records and makes them readily available when patients visit any hospital. The paper used a qualitative research design that used an exploratory approach to collect and analyse data.

Strategy for Supervision of Islamic Religious Education in the Era of Information Technology Iin Banggai Regency

The impact of information technology has permeated various aspects of human life, including social, cultural, economic, political, and even educational elements. The education sector, influenced by technology, significantly affects the quality of education, including Islamic Education, where one crucial element is the presence of Islamic Education Supervisors. The role and responsibilities of Islamic Education Supervisors are to enhance the quality of Islamic Education and to exhibit adequate professionalism. Therefore, this study addresses the professionalism of Islamic Education Supervisors and the implementation of information technology in the duties of Islamic Education supervision in Banggai Regency. This study uses a qualitative approach. Data collection techniques include direct observation, in-depth interviews, and written document analysis. Data was analyzed using three stages: data reduction, presentation, and verification. This study found that the professionalism of Islamic Education supervision in the era of information technology in Banggai Regency is outstanding. This is proven by the research findings, which show that supervisors consistently carry out their duties despite many challenges and obstacles. The extensive supervisory area, the large number of supervised teachers, and the need for more supervisors present real challenges in performing their duties professionally. On the other hand, Islamic Education Supervisors still need to improve in aspects of information technology and discipline. Other findings indicate that in performing their supervisory duties, Islamic Education Supervisors in Banggai Regency use information technology in various strategies and methods.

LPSRUA–MIoT: Lightweight and Provable Secure Remote User Authentication Scheme for Multi‐Gateway Computing Framework in Internet of Things

ABSTRACTInternet of Things (IoT) has evolved into a new era of information and communication technology where several day‐to‐day usable physical objects have been interconnected to form an intelligent ad‐hoc network that is deployed into various hostile environments to monitor, gather and process the surveillance data. However, there is a huge potential gap between communication in traditional wired network and wireless IoT network. IoT network is susceptible to several security threats due to their distributed and decentralized architecture, open nature of communication channel, dynamic nodal infrastructure, high possibilities of malicious penetrations, and so forth. In this scenario, a secure, efficient, and lightweight remote user authentication and key agreement scheme can play a significant role to mitigate the above‐mentioned issues and to provide well‐protected communication between the communicating entities in the IoT environment. Therefore in this paper, we have proposed a provable secure, robust and lightweight biometric‐enabled mutual authentication scheme for a multi‐gateway IoT environment using an irreversible hash function and fuzzy extractor. To support our claim, we have formally verified our scheme using the broadly accepted Random Oracle Model (ROM) and further simulated using the widely used AVISPA simulation tool. Additionally, the performance analysis in terms of computation and communication overheads of the proposed scheme is compared with other existing relevant authentication schemes that clearly shows that the proposed protocol maintains an acceptable efficiency security trade‐off for implementation in real‐life scenarios.

Entrepreneurship-Based Education: Teaching Students to Think Creatively and Innovatively

Entrepreneurship-based education in the era of globalization and fast-developing technology is becoming increasingly important for the younger generation to face the challenges of a dynamic world of work. The purpose of this study is to explore the effectiveness of entrepreneurship education in shaping an innovative mindset among students. The methods used in this study include qualitative analysis through a literature review approach to analyze and summarize various relevant sources on entrepreneurship education and the development of creative and innovative thinking skills in students. The results showed that entrepreneurship-based education successfully improved students' skills in identifying opportunities, solving problems creatively, and adapting to change. The implication of this study confirms that the integration of entrepreneurship education in the curriculum can significantly contribute to the development of relevant skills for students, as well as encourage innovation and economic growth in society. Further research is recommended to explore different approaches in teaching entrepreneurship and their impact on students' long-term development.

Micromechanical and Tribological Characterization of Fabricated Ti–6Al–4V Alloy Using Laser Powder Bed Fusion

Abstract In the dynamic era of advanced manufacturing technology, laser powder bed fusion (L-PBF) have gained popularity in different domains due to its capability to build parts from bulk to miniature size with higher efficiency and precision. Ti–6Al–4V, a bio-inert metal alloy, possesses a unique blend of profound mechanical and biocompatibility attributes, making it highly suitable for implant applications. This study reports the fabrication of Ti–6Al–4V alloy for implant application via the L-PBF process. The objective is to enhance the micromechanical and tribological properties of the fabricated Ti–6Al–4V component by identifying the optimal processing conditions. The fabricated component exhibited a maximum hardness of 395.26 HV and a minimum frictional coefficient of 0.3193 at 195 W laser power, 900 mm/s scanning speed, and 70 μm hatching distance. The wear-rate and absorbed wear volume were measured as 1.265 × 10−5 mm3 N−1 min−1 and 0.3162 mm3, respectively, under sliding conditions. At optimal processing state, the printed surface displayed an alpha-phase morphology with homogeneous microstructural features due to uniform melting of powder particles that improved bond strength and minimized defects. This study offers an experimental insight into operational attributes, paving the way for accelerated production of Ti–6Al–4V alloy components using the L-PBF method and tailoring tribological properties to meet specific functional requirements.