Our study focusses on the sustainable finance framework of the European Union. Given that the concept, target system and practical implementation of sustainability have become one of the top priorities, we consider it important to present in an understandable and simple form what activities and regulations have been created in this regard within the scope of the European Union’s common policy. Starting from the concept of sustainability, we analyse its significance. We examine the economic, social, corporate governance and environmental pillars and the European Green Deal based on them as foundations, as well as some prominent elements of sustainable finance: the Taxonomy, the Corporate Sustainability Reporting Directive, the Sustainable Finance Disclosure Regulation and the Union’s Corporate Sustainability Due Diligence Directive. We review the relationships and interactions of the above elements. We describe the sustainability objectives of the European Green Deal and the resources related to them, as well as the Sustainable Finance package of the European Commission. We also provide an overview of the regulatory details of the above-mentioned elements of EU law, thereby making the complex and complicated process of regulation transparent. These issues are relevant to Hungary and other EU member states located in Central and Eastern Europe and they have an effect on their policies.

Over the past twenty years, service organizations have adopted total quality management to enhance their service quality, significantly impacting business performance, customer satisfaction, and profitability. This study delves into policy development of sustainable quality management theory, benefits, and various service components, while reviewing its implementation in services industries and policy innovation. The concept of Sustainable Quality Management 4.0 (SQM 4.0) integrates sustainable management, traditional quality management, and Quality 4.0 principles to optimize resources, reduce environmental impacts, and enhance decision-making through Industry 4.0, IoT, AI, and big data analytics. The findings offer valuable framework and policy insights for managers and practitioners on quality management and service systems, providing an implementation framework for Sustainable Quality Management in the service sector. The paper outlines comprehensive elements and strategies for implementation as a SQM framework for attaining sustainable quality management in the services industry.

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.

The construction industry is responsible for over 40% of global energy consumption and one-third of global greenhouse gas emissions. Generally, 10%–20% of energy is consumed in the manufacturing and transportation stages of materials, construction, maintenance, and demolition. The way the construction industry to deal with these impacts is to intensify sustainable development through green building. The author uses the latest Green Building Certification Standard in Indonesia as the Green Building Guidelines under the Ministry of Public Works and People’s Housing (PUPR) Regulation No. 01/SE/M/2022, as a basis for evaluating existing office buildings or what is often referred to as green retrofit. Structural Equation Modeling-Partial Least Squares (SEM-PLS) is used by the authors to detail the factors influencing the application of green building by analyzing several variables related to the problem studied, which are used to build and test statistical models of causal models. From this study, it is concluded that the most influential factors in the implementation of green retrofitting on office buildings are energy savings, water efficiency, renewable energy use, the presence of green building socialization programs, cost planning, design planning, project feasibility studies, material cost, use of the latest technology applications, and price fluctuations. With the results of this research, there is expected to be shared awareness and concern about implementing green buildings and green offices as an initiative to present a more energy-efficient office environment, save operating costs, and provide comfort to customers.

The state delivery of affordable and sustainable housing continues to be a complicated challenge in Africa, and there is a need to encourage private sector participation. As a result, this study examines the risks associated with private sector participation in affordable housing and supporting infrastructure investment and the strategies towards mitigating the risks from an Afrocentric perspective. The evidence from a systematic literature review was coupled with the opinion of an international expert panel to address the paper’s aim and provide recommendations for developing improved housing and supporting infrastructure in Sub-Saharan Africa. The review outcomes and the qualitative data from the panel discussion were analysed using thematic analysis. The results revealed that market dynamics, land supply and acquisition constraints, cost of construction materials, unsupportive policies, and technical and financial factors constitute risks to affordable housing in the region. Mitigation strategies include leveraging joint efforts, strengths, and resource bases, increasing access to land and finance for private sector participation, developing a supportive government framework to promote an enabling environment for easy access to land acquisition and development finance, local production of building materials, research and technology adoption. In line with the United Nations (UN) Agenda 2030 targets and principles, reforms are required across the housing value chain, involving the private sector and community. Application of the study’s recommendations could minimise the risks of affordable housing delivery and enhance private sector participation.