The research analyzes digital literacy effects on Global South media audience behavior through an assessment of digital tools and proficiency levels on platform interactions. The 21st-century media environment underwent a substantial transformation due to digital technology advancements but this change still affects people differently. Countries in Africa, Latin America, and parts of Asia face unique challenges due to limited technology access, high data costs, and low digital literacy levels. This research centers on Kenya together with India and Brazil as its subject area through which investigators conducted interviews and distributed questionnaires to 600 participants. Observations demonstrate that people with advanced digital competency tend to activate social networking sites (SNS) with internet service and contrastingly inexperienced users depend on conventional media tools such as television and radio. The findings demonstrate how Global South countries need improved digital resources and awareness as a solution to close their digital divide.

This study investigates the role of digital technologies in enhancing student engagement in science education at the higher secondary level, focusing on institutions in Multan. Using a quantitative research design, data were collected from 203 students through a structured questionnaire based on a 5-point Likert scale. The results indicate that digital tools such as simulations, virtual labs, and multimedia resources significantly improve students' motivation, participation, and conceptual understanding. Female students demonstrated slightly higher engagement levels compared to males. A strong positive correlation was found between enabling factors and engagement (r = 0.60), while challenges showed a negative correlation (r = 0.42). The findings underscore the need for strategic investments in digital infrastructure, teacher training, and curriculum-aligned content. This research contributes to developing effective digital teaching strategies and provides actionable insights for educators and policymakers aiming to enhance science education through technology integration in secondary schools.

The international monetary landscape is undergoing rapid transformation as a result of the increasing emphasis placed on sustainability, transparency, and cutting-edge technology. Blockchain technology has become a game-changing tool in the field of energy savings, especially in the field of ecological financial assets. This study considers the relationship between customer satisfaction and BCT, explained through PDQ, using two dimensions of GBP as a mediating variable. This study based on the (TOE) approach, employs a quantitative methodology to gather information from 399 banking industry professionals. The findings suggest that PDQ which also indirectly impacts CS through GBP, has a significant impact on the adoption of blockchain technology. The mediating role of GBP shows how technological innovation advances sustainable finance goals and improves customer-centric consequences. This study adds to the burgeoning literature on eco-fintech by filling a critical gap.

Digital financial inclusion enables the integration of millions of underprivileged individuals into the financial system, making poverty alleviation increasingly achievable. In a developing country like Pakistan, which has a large unbanked population, this presents a significant opportunity for economic empowerment through mobile banking, digital wallets, and fintech innovations. These tools enhance financial participation by improving access to savings, credit, and financial literacy. This research highlights how digital financial inclusion can significantly contribute to poverty alleviation. However, key challenges remain, including limited digital infrastructure, gender disparities, cybersecurity risks, and low trust in digital systems. By examining both policy frameworks and grassroots initiatives, this study offers actionable insights into how these barriers can be addressed. It emphasizes that digital finance, when effectively implemented, can promote sustainable development and help bridge economic disparities in Pakistan’s rapidly evolving digital economy.

Supermarket industry in Pakistan is growing at a fast pace, technology-driven retail experiences regarding customer reactions in emerging-market contexts is not verified. This research examines effects of technological improvement on behavioral outcomes. Based on technology acceptance model and stimulus organism response viewpoint, study uses a cross-sectional survey of 226 customers in Pakistan supermarkets. PLS-SEM was used to evaluate data. Findings showed significant mediating role of experiential factors mediated by satisfaction on behavioral outcomes. Direct influences indicate that channel integration leads to willingness to pay and technological advancement and engagement/interactivity lead to loyalty.  Work contributes to existing body of knowledge in digital retail by providing a practical suggestion on how supermarkets can enhance advocacy and value perception by designing experience with interactive and integrated experience.

The AI is transforming how countries learn by providing adaptable, data-driven learning experiences that respond to learners' cognitive states, behavioral patterns, and educational paths. This paper explores the convergence of AI and educational psychology, investigating how an AI-assisted learning system operationalizes recent psychological concepts, such as cognitive load theory, self-regulated learning (SRL), and Vygotsky's Zone of Proximal Development, to maximize the instructional process. Based on recent empirical data from meta-analyses and randomized controlled trials, this research reports that AI-supported learning significantly increases academic performance (cohensions d = 0.68, 95% CI [0.41, 0.95]) compared with traditional learning. Moreover, AI-personalized learning systems reduce additional cognitive load by 34 percent among learners with cognitive deficits. The evidence indicates that AI is useful for learning when it provides purposeful practice and profound thinking that align with learners' cognitive development.