Fintech as a three-dimensional phenomenon reflects the rapidly changing technological, financial and business environment. The bibliometric analysis of scientific articles allowed us to identify the main themes and create a map of the field of fintech influences. Systematization of scientific articles revealed the influence of economic development and socio-demographic inequality on fintech development. Government regulatory policies can accelerate the digitisation of financial services and financial inclusion and help the fintech sector face geopolitical challenges. Fintech’s impact was divided into three areas: financial stability and sustainable development, the business ecosystem and human behaviour. The research we summarised allowed us to identify the mechanisms through which fintech influences various fields. A complex approach to the influence of fintech enables us to understand the phenomenon and make better decisions.

This paper presents a coupling of the Monte Carlo method with computational fluid dynamics (CFD) to analyze the flow channel design of an irradiated target through numerical simulations. A novel series flow channel configuration is proposed, which effectively facilitates the removal of heat generated by high-power irradiation from the target without necessitating an increase in the cooling water flow rate. The research assesses the performance of both parallel and serial cooling channels within the target, revealing that, when subjected to equivalent cooling water flow rates, the maximum temperature observed in the target employing the serial channel configuration is lower. This reduction in temperature is ascribed to the accelerated flow of cooling water within the serial channel, which subsequently elevates both the Reynolds number and the Nusselt number, leading to enhanced heat transfer efficiency. Furthermore, the maximum temperature is observed to occur further downstream, thereby circumventing areas of peak heat generation. This phenomenon arises because the cooling water traverses the target plates with the highest internal heat generation at a lower temperature when the flow channels are arranged in series, optimizing the cooling effect on these targets. However, it is crucial to note that the pressure loss associated with the serial structure is two orders of magnitude greater than that of the parallel structure, necessitating increased pump power and imposing stricter requirements on the target container and cooling water pipeline. These findings can serve as a reference for the design of the cooling channels in the target station system, particularly in light of the anticipated increase in beam power during the second phase of the China Spallation Neutron Source (CSNS Ⅱ).

In this study, the development of rinnenkarren systems is analyzed. During the field studies, 36 rinnenkarren systems were investigated. The width and depth were measured at every 10 cm on the main channels and then shape was calculated to these places (the quotient of channel width and depth). Water flow was performed on artificial rinnenkarren system. A relation was looked for between the density of tributary channels and the average shape of the main channel, between the distance of tributary channels from each other and the shape of a given place of the main channel. The density and total length of the tributary channels on the lower and upper sections of the main channels being narrow at their lower end (11 pieces) and being wide at their lower end (10 pieces) of the rinnenkarren systems were calculated as well as their average proportional distance from the lower end of the main channel. The number of channel hollows was determined on the lower and upper sections of these main channels. It can be stated that the average shape of the main channel calculated to its total length depends on the density of the tributary channels and on the distance of tributary channels from each other. The main channel shape is smaller if less water flows on the floor for a long time because of the small density of the tributary channels and the great distance between the tributary channels. In this case, the channel deepens, but it does not widen. The width of the main channel depends on the number and location of the rivulets developing on channel-free relief. The main channel becomes narrow towards its lower end if the tributary rivulets are denser and longer on the upper part of the main rivulet developing on the channel-free, plain terrain and their distance is larger compared to the lower end. The channel hollows develop mainly at those places where the later developing tributary channels are hanging above the floor of the main channel. Thus, the former ones are younger than the latter ones. It can be stated that the morphology of the main channels (shape, channel hollows, and width changes of the main channel) is determined by the tributary channels (their number, location and age).