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.

Ignorance of laws and policies creates barriers to the social inclusion of persons with disabilities (PWDs), hindering their full participation in communal life and opportunities. The current study aims to analyze the social inclusion of PWDs in the context of ignorance of laws and policies and how it influences their overall social inclusion. To achieve the study objectives, data were collected from a sample of 488 PWDs, comprising 284 males and 204 females, in the selected six Union Councils (sub-administrative units) of District Malakand, Pakistan. Respondents were chosen through multistage stratified random sampling. In the univariate and multivariate level analyses, the chi-square test and Kendall’s Tau-b test statistics were used to test the relationship between ignorance of laws and policies and the social inclusion of PWDs. Gender and level of disability were used as control variables at the multivariate level. The results of Kendal Tb and chi-square significance values depicted a spurious relation among ignorance of laws and policies and social inclusion of PWDs while controlling respondent’s gender. The results highlighted that ignorance of laws and policies reduced social inclusion in male to a higher extent than female. Additionally, the social inclusion of PWDs with moderate disabilities is more significantly hampered by ignorance of laws and polices than those with severe disabilities.

This study analysed the behaviour of both economic and financial profitability of credit unions belonging to segment 1 in Ecuador, as well as its determinants. For this purpose, data from the financial statements of a sample of 30 credit unions between 2016 and 2022 were used by means of a multiple linear regression methodology using panel data with fixed effects after applying the Hausman test. The findings of this research showed that current liquidity and non-performing loans have a negative and significant effect on both economic and financial profitability while the past due portfolio has a positive and significant impact on the generation of profitability of the financial institutions under study. In addition, it was revealed that the rate of outflow absorption has a negative relationship with economic profitability but a positive relationship with financial profitability. Unlike previous research in the Ecuadorian context, this research is pioneering in presenting results that indicate that the determinants traditionally considered for nonfinancial institutions and banks are also valid for credit unions, even though they are organisations with different characteristics from the rest.

The world has never been more developed, yet humanity is on the brink of irreversible environmental loss. Despite the urgency of the situation, there is a limited body of studies addressing environmental concerns in higher education institution, particularly in developing countries, i.e., Saudi Arabia. Sustainable development is the only viable solution, albeit it requires the courage to initiate and sustain efforts dedicated to preserving the environment for the well-being of future generation. The article delves into this issue and examines the impact of environmental education program (EEP) on environmental performance (EP) via waste minimization behaviour (WMB). The research involved meticulous data collection from a sample of 597 students, representing diverse genders and academic specialties at the esteemed public university—King Faisal University (KFU) in Saudi Arabia. The study used statistical software (including SPSS and AMOS, v 25) for rigorous analysis and revealed significant findings. Firstly, the study showed a significant and positive relationship between EEP and EP. Secondly, it revealed a significant and positive association between EEP and WMB. Thirdly, the study ascertained a significant and positive association between WMB and EP. Finally, the study found that the relationship between EEP and EP remains significant even after presenting WMB as a mediator, proposing that WMB has a partial mediation role between EEP and EP. The results highlighted the significance role of EEP in stimulating WMB and achieving EP in the Saudi universities, which contributes to national initiative of green Saudia.

This study evaluates the aquafeed self-sufficiency sector in Indonesia, aiming to provide policy recommendations for optimizing freshwater aquaculture production. The study engaged 1005 participants, including 204 self-sufficient aquafeed producers and 801 fish farmers, covering 88% of the regions where the Ministry of Marine Affairs and Fisheries promotes aquafeed self-sufficiency, conducted in 30 Indonesian provinces. The majority of on-farm and small-scale feed manufacturers continue to operate successfully (91%), with a minor portion discontinuing (9%). Aquafeed products incorporating local ingredients prove cost-effective and receive high acceptance among fish farmers. The sustainability of the aquafeed self-sufficiency sector is closely linked to local ingredient availability, operational aquafeed manufacturing plants, product quality, human resource capabilities, and government policies. The study presents policy recommendations to address these issues, encompassing measures such as ensuring ingredient supply sustainability, providing a mobile laboratory for ingredient and feed analysis, enhancing human resource quality through training, facilitating easier access to financial support, and strengthening central-local government coordination to optimize the aquafeed self-sufficiency program. The rise of the national fish production target from freshwater aquaculture has attracted great attention in the improvement of the aquafeed sector since the sustainability of aquafeed supply is the main driver for the success of aquaculture production.

This study evaluates the health and sustainability of higher education systems in nine countries: the USA, UK, Australia, Germany, Canada, China, Brazil, India, and South Africa. Using a multi-level analysis model and principal component analysis (PCA), nine key factors—such as international student numbers, academic levels, and graduate employment rates—were identified, capturing over 90% of the cumulative impact on higher education systems. India, scoring 6.2036 initially, shows significant room for improvement. The study proposes policies to increase graduate employment, promote international faculty collaboration, and enhance India’s educational expenditure, which surpasses 9.8% of GDP. Post-policy simulations suggest India’s score could rise to 8.7432. The paper also addresses the impact of COVID-19 on global education, recommending a hybrid model and increased graduate enrollment in China to reduce unemployment by 5.4%. The research aims to guide sustainable development in higher education globally.