The advancement of artificial intelligence (AI) technology has transformed the paradigm of shopping experiences on e-commerce platforms. This article examines the future of AI-powered virtual shopping assistants designed to provide personalized solutions in the digital marketplace experience. Virtual shopping assistants, driven by technologies such as chatbots, voice assistants, and machine learning, enable consumers to receive more relevant product recommendations and a shopping experience tailored to their preferences. This study aims to explore how the implementation of AI-powered virtual shopping assistants can enhance customer loyalty, sales conversion, and consumer satisfaction in online marketplaces. Using a mixed-method approach involving in-depth interviews and quantitative surveys, the research identifies consumer perceptions of this technology and its impact on their purchasing decisions. Findings reveal that consumers who engage with AI-powered virtual shopping assistants report more personalized and satisfying shopping experiences, contributing to increased loyalty and sales conversion for e-commerce platforms. This article provides practical insights for marketplace managers to optimize the use of AI in creating more personalized and responsive shopping experiences. Furthermore, this research opens opportunities for further exploration of AI integration across various digital shopping channels.

The increasingly dynamic global financial landscape demands effective risk management strategies to ensure financial stability and institutional sustainability. Two critical approaches, risk financing transfers and risk retention, offer complementary solutions. Risk financing transfers allow institutions to redistribute financial risks to third parties through mechanisms such as securitization and Credit Risk Transfers (CRTs), improving market efficiency. In contrast, risk retention emphasizes accountability by require institutions to retain a portion of the risks, fostering market discipline and investor confidence.This study employs a Semantic Literature Review (SLR) to analyze the interaction between these approaches, focusing on mechanisms like securitization, contract design, and macroprudential policies. By reviewing ten peer reviewed articles published between 2015 and 2024, key themes and challenges related to systemic risks, moral hazards, and regulatory gaps are identified. Thematic analysis, supported by tools like NVivo, reveals the potential of these mechanisms to enhance financial stability when implemented within a robust regulatory framework.The results highlights that while risk financing transfers increase flexibility and market efficiency, they May exacerbate moral hazards without sufficient risk retention. Macroprudential policies and accurate risk pricing is crucial in addressing systemic risks, particularly in sectors like shadow banking and climate vulnerable regions. The study also underscore the importance of transparent contract design and the integration of innovative tools, such as geospatial data and machine learning, to support fair and efficient risk distribution.In conclusion, balancing market efficiency and systemic risk mitigation is imperative.While? risk retention strengths accountability and oversight, effective integration with risk financing transfers is necessary to create a sustainable and resilient financial system.This? review provides valuable insights for policy makers and practitioners in addressing emerging financial challenges.

Financial risk management is an important element in maintaining global economic stability. This study explores the relationship between regulation, technological innovation, and sustainability as three main pillars in modern financial risk management. Using the Semantic approach Literature Review (SLR), this study analyzes the literature from 50 selected scientific articles published between 2018 and 2024. The results of the study show that regulations such as Solvency II and IFRS 17 strengthen transparency and accountability, while innovative technologies such as parametric insurance and resilience bonds increase the efficiency of risk management. In addition, sustainability, which is realized through initiatives such as green insurance and sharia insurance, is a key pillar in mitigating systemic risk.However, the study identified a number of challenges, including fragmentation of regulations across countries, limited access to technology in developing countries, and moral hazard in implementing sustainability. To overcome these obstacles, a collaborative strategy involving governments, the private sector, and the international community is needed to harmonize global regulations, strengthen technology infrastructure, and improve technology and sustainability literacy. This study contributes to presenting a comprehensive financial risk management framework by recommending strengthening the synergy between regulation, technology, and sustainability. This study also provides practical guidance to address global challenges in financial risk management, while also providing a basis for further in-depth research on specific sectors, geographic regions, and the integration of technology and sustainability.

Waste is one of the biggest environmental problems in Indonesia. Based on data from the 2014 Central Statistics Agency (in Angga & Djunaidi, 2017) it shows that Indonesia produces around 187.2 million tons of waste / year and is in second place as the largest waste producer in the world. Waste not only comes from households but also from the school environment. If this waste is left unchecked, it can cause disease. This large amount of waste is also caused by people's lack of concern for the environment. Therefore, it requires an appropriate management strategy, one of which is through recycling. The waste recycling training aims to increase knowledge of dealing with plastic waste and develop the creativity of Purwakarta State Primary School teachers so that they are able to process waste into learning media as well as capital for students to understand learning more easily through waste recycling training. Implementation methods include environmental observation, problem identification, determining service activities, coordinating service activities with prospective participants, implementing training. The waste recycling training activity has been successful and running smoothly, able to develop creativity and increase teachers' knowledge regarding waste managent.

The younger generation is the foundation and capital of the nation's development. For this reason, parents, educators and the government are expected to seriously provide the best education for them. The reality is that all citizens, local governments, families and parents are obliged and responsible for providing protection and guaranteeing the fulfillment of children's human rights in accordance with their duties and responsibilities. Legal rules regarding bullying against children have been regulated by the State in the form of laws, meanwhile, a clear understanding of bullying is not yet owned by some adolescents both within the school environment and outside the school environment. Even though acts of bullying can harm other people and can even cause the loss of the future of a child who is a victim of this act. For this reason, the Serang Raya University Service Team is interested in carrying out community service activities for students of SMP Negri 2 Cikeusal Serang which in this case is given in the form of "Socialization of the Dangers of Bullying for Mental Students". using several methods including delivering material directly or lectures, sharing, discussions, questions and answers, and dialogue. The results obtained from the Socialization of the Dangers of Bullying for students' mentality are: the results of this dedication show that students' knowledge about stopping bullying increases, increase knowledge and understanding of legal regulations related to bullying, the impact of bullying.

The purpose of this dedication for the Young Generation is to provide assistance and counseling to individuals or small entrepreneurs, especially micro and small MSMEs in Drangong Taman Kota Serang about practical and simple knowledge about managing simple finances in accordance with the principles of financial management. The research method used is the classical method with a discussion approach, question and answer, and simulation with the intention that the material can be well received by partners. It is hoped that after this service program is carried out, the participants will have the knowledge and insight as small entrepreneurs who are skilled in managing finances and are also able to look for opportunities to increase family finances as a provision to improve their standard of living for the better.
 

This study aims to continue previous research by adding different variables and knowing the differences in the results of the effect ofcapital structure and activity ratio on profitability with liquidity as a moderating variable. This research is a quantitative research using secondary data. The research object used is the chemical sub-sector companies on the Southeast Asian Stock Exchange in 2012-2020. The sampling method used is purposive sampling, in order to obtain 19 companies that present complete financial statements and annual reports and obtain 171 sample data. The data analysis techniques used were descriptive statistics, classical assumption tests, classical assumption tests, multiple regression analysis, hypothesis testing, namely partial and simultaneous tests and moderated regression analysis (MRA) which were processed using the SPSS 23 application. Based on the results of this study, it is known that the results of the t test for capital structure as proxied by long term debt to equity ratio have no effect on profitability as proxied by return on equity but the activity ratio proxied by total assets turnover has a positive and significant effect on profitability. The results of the F test show that the capital structure and activity ratio have a joint effect on profitability. for the results of the moderation regression test of model 1, it is known that the liquidity proxied by the current ratio is able to moderate but weaken the relationship between capital structure and profitability, but the results of the regression test of model 2 show that liquidity is able to moderate and strengthen the relationship between the ratio of activity to profitability