Artificial Intelligence-Enabled Secure Digital Inclusion Framework (AISDIF): A Case Study of Taraba State Jalingo Metropolis

Ajayi, O. O., & Ojo, A. I. (2022). Artificial intelligence and digital transformation in developing economies: Challenges and opportunities. Journal of Information Technology Research, 15(3), 1–18. Branley-Bell, D., Coventry, L., Sillence, E., Briggs, P., & Jeske, D. (2022). Exploring age and gender differences in ICT cybersecurity behaviour. Human Behavior and Emerging Technologies, 2022, Article 2693080. Chakraborty, C., Bhattacharya, M., & Thippa Reddy, G. (2022). Artificial intelligence for cybersecurity: Threats, attacks and mitigation. arXiv. Ciecierski-Holmes, T., Singh, R., Axt, M., Brenner, S., & Jha, A. K. (2022). Artificial intelligence for strengthening healthcare systems in low- and middle-income countries: A systematic scoping review. npj Digital Medicine, 5(162). European Commission. (2024). Digital Economy and Society Index 2024. Federal Government of Nigeria. (2020). National Digital Economy Policy and Strategy (2020– 2030). Federal Ministry of Communications and Digital Economy. Federal Government of Nigeria. (2024). National Artificial Intelligence Strategy. Federal Ministry of Communications, Innovation and Digital Economy. Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2022). Multivariate Data Analysis (9th ed.). Cengage Learning. Heeks, R. (2022). Digital inequality beyond the digital divide: Conceptualising adverse digital incorporation in the Global South. Information Technology for Development, 28(4), 688– 704. Hsu, Y. C., Cross, J., Diriye, A., & Watkins, C. (2022). Empowering local communities using artificial intelligence. Frontiers in Artificial Intelligence, 5, Article 846631. International Telecommunication Union. (2024). Measuring Digital Development: Facts and Figures 2024. Khan, M. A., Salah, K., & Jayaraman, R. (2023). Artificial intelligence for secure digital transformation: A review. IEEE Access, 11, 102341–102368. Mobarak, A. M., & Saldanha, N. (2022). Remove barriers to technology adoption for people in poverty. Nature Human Behaviour, 6(5), 587–589. National Bureau of Statistics. (2024). Nigeria ICT Sector Report 2024. National Information Technology Development Agency. (2023). National Digital Literacy Framework. National Information Technology Development Agency. (2024). Nigeria Digital Economy Report. OECD. (2023). OECD Digital Economy Outlook 2023. OECD Publishing. Peffers, K., Rothenberger, M., Tuunanen, T., & Vaezi, R. (2020). Design science research evaluation. In S. Chatterjee et al. (Eds.), Design Research in Information Systems (pp. 398– 410). Springer. Renaud, K., & Coles-Kemp, L. (2022). Accessible and inclusive cyber security: A nuanced and complex challenge. SN Computer Science, 3, Article 389. Russell, S., & Norvig, P. (2022). Artificial Intelligence: A Modern Approach (4th global ed.). Pearson. Taraba State Government. (2025). Taraba State Digital Economy and ICT Policy (2025–2030). Ministry of Digital Economy and ICT, Jalingo. UNESCO. (2023). Global Education Monitoring Report 2023: Technology in Education. UNESCO. IJCSMT United Nations. (2023). The Sustainable Development Goals Report 2023. United Nations. World Bank. (2022). World Development Report 2022: Finance for an Equitable Recovery. World Bank. World Bank. (2023). Digital Development Overview. World Bank. Xu, H., Li, Y., & Wang, Z. (2023). Machine learning-enabled cybersecurity for smart digital ecosystems: A systematic review. Computers & Security, 127, 103121. Yamin, M. M. (2023). Artificial intelligence applications in cybersecurity: Recent advances and future directions. Journal of Information Security and Applications, 72, 103401. Zhang, Y., Liu, X., & Chen, H. (2024). Artificial intelligence-driven digital inclusion: Challenges and future research directions. Information Systems Frontiers, 26(2), 415–432. Zhou, J., Wang, L., & Li, X. (2023). AI-assisted cybersecurity awareness and digital resilience in developing economies. Computers & Security, 124, 102967.