This research attempts to model the association of crude oil imports with several macroeconomic factors such as renewable energy, transport services, trade, industrial value-added, and patents, using Germany’s annual data covering the period of 1990–2020. Employing the Autoregressive Distributed Lag model, this study finds a significant co-integration relationship among targeted variables. Moreover, this study provides empirical evidence on the influence of given macroeconomic factors in determining crude oil imports of Germany. Results reveal that transport services and industrial value-added positively and significantly influence crude oil imports in the long and short run. Similarly, trade is discovered to have a significant positive impact on oil imports only in the long run. In contrast, findings reveal a significant negative association of renewable energy with crude oil imports. Hence, this research implies that the transportation sector and industrial production strongly depend on crude oil consumption. At the same time, promoting renewable energy in these segments could significantly help economies control crude oil demand and achieve sustainability by reducing the economic burden and protecting the environment.

The aim of this research study is to investigate the influence of artificial intelligence (AI) on digital financial inclusion (DFI). The involvement of economically disadvantaged individuals in the financial sector has emerged as a pivotal subject of discourse concerning approaches to enhance digital financial inclusion. The Financial Technology sector is employing artificial intelligence and its various tools to foster engagement and improve participation among low-income individuals, marginalized communities, women, youth, and small business owners in conventional financial activities. The methodological approach of the study involved a thorough examination of perceptional and research journals, an analysis of papers authored by co-researchers, and a review of other authoritative sources pertinent to the subject, aimed at assessing the impact of AI on digital financial inclusion. This study proved that artificial intelligence has a major impact on digital financial inclusion in several ways. It helps with risk assessment and mitigation, solves the problem of disorganized data, improves cyber security and fraud detection, and uses chatbots to help users with desktop tasks. The study argues that governments throughout the world, together with financial and non-financial organizations, should embrace AI on a massive scale.