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This exploratory study aims to investigate and identify the factors influencing discontinuance intention among past users of local digital wallets in Brunei Darussalam.

This study uses a mixed-method approach that integrates quantitative and qualitative research method. An online survey is distributed via widely used social media platforms, using purposive sampling to target previous users of local digital wallets. Structured questionnaires capture demographic data, whereas open-ended inquiries delve into reasons for discontinuation. Descriptive analysis will extract the demographic profiles of the samples. Inductive thematic analysis, guided by Braun and Clarke's framework, will extract and analyze qualitative responses to unveil emergent themes. Data saturation, anticipated beyond 12 responses, will signify sample adequacy.

Demographic profiles based on gender, age and payment preferences of discontinuers supplement the justification for identified themes influencing digital wallet discontinuation in Brunei Darussalam. These themes include “Acceptability Challenge,” highlighting limited vendor acceptance; “Financial Management and Security Issues,” revealing concerns over impulsive buying behavior and security robustness; “Limited Benefits,” referring to short-term interest driven by promotional benefits; “Technological Inertia,” emphasizing reluctance to change from conventional payment methods and “Technical Challenges,” encompassing internet connectivity and operational functionality issues.

This study acknowledges few limitations, including a limited number of respondents, comprising majorly of the younger age groups and females. Self-reported data usage introduces potential response bias, impacting result validity. The qualitative approach limits comprehensive understanding, suggesting validation through quantitative correlational studies. Additionally, the cross-sectional design restricts insight into the dynamic nature of digital wallet discontinuance in Brunei, suggesting the need for longitudinal studies.

The findings of this study offer valuable insights for digital wallet providers, policymakers and businesses operating within the realm of Brunei Darussalam. By tackling pertinent issues such as vendor acceptance, financial security and promotional incentives, stakeholders can effectively improve user experiences and mitigate intentions of discontinuing usage. Recommended strategies encompass the enlargement of vendor networks, the implementation of stringent security measures and the customization of promotional campaigns. Furthermore, comprehending demographic inclinations enables the tailoring of offerings, thereby fostering enduring adoption rates.

This study’s findings hold social significance for financial inclusion, technological literacy and consumer empowerment in Brunei Darussalam. Overcoming barriers to digital wallet adoption, such as limited vendor acceptance, promotes financial inclusion in the long run. Improved understanding of digital wallets enhances technological literacy and empowers users to make informed decisions. By catering to diverse demographic needs, stakeholders can promote social equity and ensure widespread access to digital payment benefits, thus positively impacting Brunei Darussalam’s socioeconomic landscape.

This study contributes to the existing knowledge gap on digital wallet discontinuance in Brunei Darussalam. By uncovering key themes and factors influencing past users’ decisions, it advances understanding in the context of postadoption dynamics. The study provides valuable insights for local and global fintech adoption strategies.

The purpose of this paper is to investigate the electrical conductivity and corrosion protection properties of a conductive coating composed of epoxy resin and carbon black in a sodium chloride (NaCl) solution.

The conductive coating was prepared by combining epoxy resin, hardener, and carbon black. The electrical conductivity of the paint was studied with a DC current‐voltage meter and field emission scanning electron microscopy. The corrosion protection properties of the paint were characterized by open circuit potential measurements and electrochemical impedance spectroscopy.

The highest conductivity observed was 4.23×10⁻⁴ Scm⁻¹ for the coating containing 20 wt% carbon black. The coating protected mild steel in a 3.0 percent NaCl solution for up to five days.

The results shown in this paper provide an insight into conductive paint and corrosion protection for future industrial applications and development.

Recently, a new concept “digital sustainability” has emerged concerning the sustainability of businesses. Digital sustainability in the business world is related to the existence of businesses that are compatible with rapidly developing technologies. Digital sustainability depends on the ability to businesses to adapt digitally to business environment and successfully transform their internal processes by digitizing their managerial processes. Especially during the COVID-19 pandemic, the deficiencies, glitches, gaps, and weaknesses in various internal and external organizational systems and digital mechanisms of enterprises have become more visible. This section reveals how important digital technologies are for adding social and environmental value to sustainable businesses. Besides, this section discusses how digital business models affect sustainability. For this purpose, in this section, sustainable business models and the sustainable business model components of digital technologies are discussed from a corporate perspective.

In this section, respectively, digitalization and digitalization in businesses under the light of sustainability, and digital sustainability in businesses are discussed. Then, basic concepts of digital sustainability in businesses, the relationship between digital sustainability and e-commerce, the positive impacts of digital sustainability on businesses, digital sustainability by countries and digital sustainability in various sectors are discussed accordingly. Many of the businesses with sustainable business models and strategies use digital technologies to design innovative business models and to provide a relatively unique competitive advantage among their rivals. Thus, by optimizing at every digital stage of business, companies can achieve digital sustainability. Companies could add unique value that cannot be imitated from any other businesses by only maintaining digital sustainability.

In this chapter, the integration of diverse discussions from preceding chapters converges into a comprehensive exploration of four pivotal challenges facing Islamic finance both presently and in the future. The chapter systematically addresses these challenges, commencing with a focused analysis on augmenting the role of Islamic finance in fostering financial inclusion. It scrutinizes innovative strategies to broaden access to financial services. Moving forward, the narrative navigates the intricate intersection of Islamic finance and sustainability, unraveling the potential synergy between these two domains and their collective contribution to Sustainable Development Goals (SDGs). The exploration extends to the realm of digitalization, probing how modern technologies such as artificial intelligence and blockchain can serve as catalysts for the progression of Islamic finance. Finally, the chapter delves into the imperative of harmonizing the Islamic financial industry (IFI), tackling challenges and proposing solutions to enhance uniformity and coherence in practices. These nuanced discussions not only address contemporary challenges but also underscore their critical role in achieving the SDGs and aligning with the targets of the Paris Agreement by 2030, providing valuable insights for scholars, practitioners, and policymakers in the field of Islamic finance.

Researchers, business professionals, and policymakers are now focusing on how disruptive innovations affect markets and business performance in the quickly changing business landscape of today. This study investigates the complexity of disruptive innovations and how they alter established organizational strategies and market structures. The study explores the core traits of disruptive innovations and looks at how they upend established business models and alter the structure of entire industries. This study employs a comprehensive literature review to identify the primary motivators behind disruptive innovations and their diverse impacts on market dynamics. It looks into how disruptive change is sparked by evolving consumer behavior, flexible business models, and emerging technologies. Additionally, research examines how businesses use internal reorganizations and strategic alliances among other tactics to capitalize on and adjust to disruptive innovations. It also examines how market leaders deal with these difficulties in an effort to stay competitive, shedding light on the possible risks and uncertainties related to disruptive innovations. It also highlights how crucial it is for organizations to have innovative cultures and proactive adaptation in order to prosper in a time of swift technological advancements.

The purpose of this study is to delve into the intricate terrain of assimilating sustainability practices into digital accounting and finance, centring on the transformative dynamics introduced by artificial intelligence (AI)-enabled FinTech. The primary objective is to scrutinize critical lacunae in existing literature, exploring how organizations can meticulously construct comprehensive sustainability frameworks. Simultaneously, the study investigates the protracted repercussions of AI-enabled FinTech on the enduring sustainability paradigms.

Executing a systematic literature review, the research engaged in the meticulous identification and assessment of a voluminous pool of 1,158 articles. Using a judicious two-phase strategy, the scrutiny distilled a mere 64 pertinent articles, subjecting them to rigorous evaluation encompassing methodologies, contributions and overall quality. The Fuzzy Delphi method was used to elicit expert opinions and facilitate consensus-building, leveraging fuzzy logic to accommodate uncertainties in the data.

The review navigates the convoluted impact of AI across diverse sectors, accentuating its transformative imprint on realms such as health care, finance and transportation. Specifically, in the financial domain, the discerning eye of AI-enabled FinTech optimizes investment portfolios, augments risk assessment, propels financial inclusion and streamlines the intricate landscape of sustainability reporting. The study meticulously pinpoints research gaps encompassing investment optimization, risk management, financial inclusion, sustainability reporting and ethical considerations within the intricate milieu of AI-enabled FinTech. This research contributes to the existing body of knowledge by synthesizing intricate thematic strands, discerning overarching trends and spotlighting critical voids in the synthesis of sustainability practices and AI-enabled FinTech. The findings resonate with far-reaching implications, emphasizing the exigency of comprehensive investigations into the longitudinal sustainability ramifications instigated by AI-enabled FinTech.

The study underscores the imperative of crafting robust ethical frameworks for the equitable and transparent deployment of AI solutions within the intricate landscape of FinTech. Moreover, this research stands poised to shape organizational strategies, inform regulatory frameworks and guide investment decisions, thereby catalyzing the cultivation of conscientious and sustainable financial practices.

Corrosion is a major concern for many industries that use metals as structural or functional materials, and the use of corrosion inhibitors is a widely accepted strategy to protect metals from deterioration in corrosive environments. Moreover, the toxic nature, non-biodegradability and price of most conventional corrosion inhibitors have encouraged the application of greener and more sustainable options, with natural and synthetic drugs being major actors. Hence, this paper aims to stress the capability of natural and synthetic drugs as manageable and sustainable, environmentally friendly solutions to the problem of metal corrosion.

In this review, the recent developments in the use of natural and synthetic drugs as corrosion inhibitors are explored in detail to highlight the key advancements and drawbacks towards the advantageous utilization of drugs as corrosion inhibitors.

Corrosion is a critical issue in numerous modern applications, and conventional strategies of corrosion inhibition include the use of toxic and environmentally harmful chemicals. As greener alternatives, natural compounds like plant extracts, essential oils and biopolymers, as well as synthetic drugs, are highlighted in this review. In addition, the advantages and disadvantages of these compounds, as well as their effectiveness in preventing corrosion, are discussed in the review.

This survey stresses on the most recent abilities of natural and synthetic drugs as viable and sustainable, environmentally friendly solutions to the problem of metal corrosion, thus expanding the general knowledge of green corrosion inhibitors.

The purpose of this study is to develop a green corrosion inhibitor (GCI) from the parthenium hysterophorus (PHS) leaf and identifying its efficiency in corrosion inhibition of AZ31 alloy.

GCI from PHS leaf is extracted with the aid of Soxhlet apparatus and analysed through Fourier transform infrared spectroscopy (FTIR) and phytochemical tests to identify the functional groups and chemical compounds present. Inhibition efficiency (IE) of PHS extract is identified through polarization analysis and immersion tests in which concentration of PHS extract (0–300 ppm) and temperature (303–353 K) is varied.

Maximum IE of 84% is exhibited by the prepared PHS extract at a concentration of 250 ppm at 303 K and further addition diminishes IE. The developed GCI is found effective in room temperature (303 K) as it exhibits lower IE when temperature increased. Both physical and chemical absorption mechanisms were identified for PHS extract over AZ31 surface, whereas FTIR and SEM analysis confirms the development of passivation layer.

Development of GCI from the leaf of a weed (PHS) that disturbs the ecosystem and identifying its efficiency in preventing corrosion of AZ31 under saline environment.

The use of digital technologies in the financial service industry has brought new complexities to the corporate governance in banks. Relying on the agency perspective of the shareholder, debtholder and societal governance in banks, this research examines the impact of financial technology innovation (FinTech) on banks' performance by enlightening the monitoring role of female independent directors.

Relying on a sample of Italian banks observed during the period 2016–2020, the authors hand-collected data on the use of FinTech by considering (1) the in-house provisions of FinTech solutions, (2) the collaboration with external FinTech firms and (3) a combination of both measures. The authors run a panel data regression analysis with fixed effects, measuring bank performance through bank competitiveness and bank riskiness.

The authors find that FinTech increases bank competitiveness in gathering money from depositors and that independent women on board mitigate the negative relationship between FinTech and the riskiness of banks' assets, ameliorating the conflicting interests among shareholders, debtholder and societal governance.

This study emphasizes the complexities of bank governance when dealing with FinTech in the wider perspective of equity governance, debt governance and the societal governance spotlighting the importance of appointing female directors in independent positions to enhance the bright sides of financial innovation. The authors enrich the literature on FinTech with a finer understanding of the drivers and implications of in-house provisions of FinTech solutions versus the collaboration with external FinTech firms.