Vol. 10 No. 3 (2025)

Highlighting the growing intersection of technology and business innovation, this published issue examines the multifaceted impact of artificial intelligence, machine learning, and social media data on digital marketing strategies, consumer behaviour, and brand loyalty. It also explores the application of AI in English language learning and virtual assistant technologies that influence decision‑making processes. In addition, the issue addresses sustainable performance practices within the banking sector through total quality management approaches, evaluates the contribution of pension fund administration to national economic development, and emphasises the strategic importance of workforce digital literacy in enhancing human capital development in the 21st‑century digital economy.