ABSTRACT: 

Despite the numerous benefits offered by Artificial Intelligence (AI) applications, recent developments have also revealed their misuse as a significant enabler of various forms of cybercrime, particularly in the creation of so-called deep fake content. Deep fake technology refers to advanced AI-driven techniques capable of generating highly realistic static images, videos, and audio recordings that closely resemble authentic human appearance and behavior. In light of the rapid and remarkable advancements in artificial intelligence, producing convincingly forged visual and auditory content has become increasingly accessible and sophisticated. This research addresses the challenges posed by artificial intelligence and deep fake technologies, focusing on the algorithms and techniques used to generate manipulated videos and audio recordings that have demonstrated a substantial capacity to influence public opinion, decision-making processes, and public policies. Such fabricated content is often exploited for malicious purposes, including election manipulation, financial fraud, and the defamation of public figures.  The researchers adopted a descriptive methodology to systematically explain the nature and implications of deep fake technologies, alongside an analytical approach to examine existing tools, techniques, and applications used to detect forgery and mitigate its associated risks. Based on this methodological framework, the study presents practical findings and proposes a set of recommendations aimed at addressing deep fake attacks and digital forgery crimes.

Keywords:  Artificial Intelligence Applications, Cybercrimes, Deep Fake, Cybercrime, Information Technology.

ABSTRACT: 

This study aims to examine the smart branch experience in electronic banking services within Jordanian Islamic banks. The research addresses the concept of electronic banking services, their types, and specifically explores the electronic banking services offered by Jordanian Islamic banks, with particular focus on their smart branch initiatives. The study employs both descriptive and inductive methodologies to achieve its objectives. Findings reveal that Jordanian Islamic banks have actively adopted smart branch technologies, with Jordan Islamic Bank and Safwa Islamic Bank being pioneers in implementing this innovation. These smart branches offer customers a diverse range of banking services through automated, self-service platforms. The study recommends that Jordanian Islamic banks continue to adopt innovative banking services and technologies to enhance customer satisfaction and ensure sustainability in a competitive market.

Keywords: Banking Services, Electronic Banking, Smart Branches, Islamic Banks, Jordan.

ABSTRACT: 

Addressing the environmental burden of cement production, this study explores sustainable concrete solutions to enhance durability, with a particular focus on mitigating chloride-induced reinforcement corrosion. We investigated the incorporation of steel slag into cementitious materials, analyzing its effects on morphology, hydration, and overall durability. Furthermore, the synergistic impact of a steel slag and nano biochar composite was evaluated using advanced techniques, including X-ray Diffraction (XRD), FTIR spectra, Zeta sizer, Scanning Electron Microscopy (SEM), Workability, Compressive strength and Rapid Chloride Permeability Test (RCPT). Our findings indicate that steel slag, especially when combined with nano biochar, significantly reduces chloride permeability and increases compressive strength. SEM analysis confirmed that these additives refine the hydration product morphology, leading to improved microstructural characteristics. Notably, a remarkable 50% reduction in chloride permeability and 42% improvement in compressive strength was achieved with the combined application of the steel slag-biochar composite (SP) and polyaniline (PANI). This research highlights the potential of industrial by-products to enhance both the environmental profile and long-term performance of concrete, contributing to more sustainable construction practices..

Keywords:  Corrosion; Concrete Structures; Polymer-Cement blends; RCPT; SEM; Compressive Strength.

ABSTRACT: 

The study compares two automated photovoltaic (PV) energy systems designed for domestic use in Iraq, a region with high solar irradiation (>1800 kWh/m²/year) but persistent grid instability. It presents the first simulation-based comparison of hybrid versus off-grid PV systems in this context. utilizing various modeling software platforms and technologies. A grid-connected photovoltaic battery system located in Baghdad was analyzed through the SAM program. By contrast, in Basra, the PVsyst program enabled modeling of a standalone, off-grid system using high-efficiency silicon heterojunction (HJT) panels. Both relevant performance parameters, including Performance Ratio (PR), Solar Fraction (SF), Levelized Cost of Energy (LCOE), Net Present Value (NPV), and Initial Capital Investment (ICOE), were evaluated. The 5 kW hybrid system located in Baghdad had a PR of 0.75, an LCOE of $0.0766/kWh, and an NPV of $4,649, indicating strong economic viability with a payback period of 6.2 years. In contrast, the standalone HJT system at Basra, having a 3 kW of maximum output as well as 20 kWh of daily energy production, had a performance ratio of 0.72 as well as a higher solar fraction of 0.93. This work provides significant inputs into policy development as well as investment decisions for the Iraqi energy sector, while highlighting the trade-offs inherent in grid connection against standalone autonomy through the utilization of superior photovoltaic technology.

Keywords: HJT technology, Photovoltaic systems, SAM software, PVSYST.

ABSTRACT: 

The intersection of cyber insurance and cybersecurity protection has emerged as a cornerstone of modern governance. As information security becomes inextricably linked to national security, government institutions face escalating threats to critical infrastructure, including communication networks and electronic systems. These cyberattacks often transcend national borders, posing systemic risks to regional stability and public service continuity. This research explores how cybersecurity functions as a vital safeguard for sensitive data and national interests while maintaining public trust in digital governance. Furthermore, it examines the role of insurance as a strategic tool for risk mitigation. The study concludes that ensuring operational resilience requires a synergistic approach, combining robust technical defenses, comprehensive governance frameworks, and coordinated national strategies to counter sophisticated cyber threats.

Keywords:  Cybersecurity; Cyber Insurance; Government Institutions; National Security; Digital Governance.