Gendered Digital Financing Adoption and Women's Financial Inclusion in Pakistan

This collection of 12 recent CS/CY arXiv papers surveys research across AI governance, privacy, explainability, socio-technical impacts, and applied systems. Key themes: gendered digital finance in Pakistan showing mobile-money adoption improves women’s access to formal financial services; XR in education with concrete privacy/biometric and regulatory (GDPR/FERPA) risks; performance benchmarking of WebGL/WebGPU 3D mapping stacks; ReasonX, a MILP/CLP-based declarative explanation engine for decision trees; a normative proposal to treat personal data as a human right and a Dignity-by-Design治理架构;