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The purpose of this paper is to propose a model that will demonstrate how the integration of Salam (exclusive agricultural commodity trade) with Takaful (micro-Takaful – a subdivision of Islamic insurance) and value chain can address major challenges facing the agricultural sector in Kano State, Nigeria.

The study conducted a thorough and critical analysis of relevant literature and existing models of financing agriculture in Nigeria to come up with the proposed model.

The findings indicate that measures undertaken to address the major challenges fail. In view of this, this study proposed Bay-Salam with Takaful and value chain model to solve a number of challenges such as poor access to financing, poor marketing and pricing, delay, collateral requirement and risk issues in order to avail farmers with easy access to finance and provide effective security to financial institutions.

The paper is limited to using secondary data. Therefore, empirical investigation can be carried out to strengthen the validation of the model.

The study outcome seeks to improve the productivity of the farmers through enhancing their access to finance. This will increase their level of production and provide more employment opportunities. In addition, it will boost financial inclusion, income generation, poverty alleviation, standard of living, food security and overall economic growth and development.

The novelty of this study lies in the integration of classical Bay-Salam with Takaful and value chain and create a unique model structure which the researchers do not come across in any research that presented it in Nigeria.

The objective of this research is to examine the accelerated adoption mechanisms of emerging technologies in information systems. Its goal is to comprehend the drivers behind the prompt assimilation of technology trends such as TikTok, ChatGPT, mobile payment schemes, cryptocurrency and VR.

The study follows the systematic literature review methodology (using the PRISMA protocol to guide the selection of scholarly materials from Google Scholar, Scopus and Springer). Specifically, the research draws on identified literature on the adoption trajectories of technologies (ChatGPT, TikTok, cryptocurrency, mobile payment systems, and virtual reality) to systematically assess pertinent insights, and draws on theoretical lenses of Disruptive Innovation Theory to reach interpretations.

The study indicates that the prompt assimilation of technology is shaped by several variables such as user-centered design, network effects, content powered through algorithms, viral trends, ease-of-use and accessibility features, engagement levels and retention rates.

The selection of specific platforms may limit the generalizability of findings.

The emergence of new technologies is causing a shift in societal behaviors and norms, which has significant social implications. While platforms such as TikTok offer opportunities for community-building, there are concerns regarding digital divide and privacy issues that need to be addressed. So understanding the impact of these changes becomes vital for achieving fairness in access and making technology's potential transformation practicalized effectively.

This research enhances the current body of literature by presenting a thorough examination of the non-linear patterns involved in adopting advanced technologies. By combining knowledge from numerous fields, this study delivers an integrated comprehension regarding what factors prompt swift adoption.

This paper aims to examine the alternative financing available for sustainable infrastructure development in Nigeria’s sub-nations. Specifically, the study question is: what financial vehicles do sub-nations seek most, and what are the underlying reasons for their preferences?

The study used a two-round Delphi method, using a questionnaire to gather data from high-ranking government officials in states that have localised sustainable development projects in Nigeria.

Results show that fundamental to sub-national sustainable infrastructure projects are federal allocations, pension funds, private equity, bonds and concessionary grants. Sub-nationals prefer these options, especially the emphasis on private equity, and the concessional funding through catalytic or blended finance because of their relatively lower or below-market interest rates.

The practical significance of this study is that the state’s policymakers can now identify appropriate strategies that enhance the shift towards these sustainable financing options, which will serve as a key catalyst in their 2030 and beyond vision to accelerate their state's infrastructure climate complaint. Equally, investors possessing funds with such attributes will gain an understanding of a prospective market within Nigeria’s sub-nation.

This study aims to improve the development of sustainable infrastructure in Nigeria’s sub-nations, which would have a beneficial effect on society by mitigating the effects of climate change.

The recommendations of this study can contribute to the development of innovative financial models for sub-national infrastructure development, thereby reducing reliance on revenue generated from fossil fuels.