This study examines the impact of innovation governance and policies on government funding for emerging science and technology sectors in Saudi Arabia, addressing key bureaucratic, regulatory, and cultural barriers. Using a mixed-methods approach, the research integrates qualitative insights from stakeholder interviews with quantitative survey data to provide a comprehensive under-standing of the current innovation landscape. Findings indicate a high level of policy awareness among stakeholders but reveal significant challenges in practical implementation due to bureaucratic inefficiencies and stringent regulations. Cultural barriers, such as a risk-averse mindset and traditional business practices, further impede innovation. Successful initiatives like the National Transformation Program (NTP) demonstrate the potential for well-coordinated efforts, highlighting the importance of regulatory reform and cultural shifts towards entrepreneurship. Strategic recommendations include streamlining bureaucratic processes, enhancing policy coordination, and fostering a culture of innovation through education and stakeholder engagement. This study contributes to the existing literature by offering actionable insights to enhance innovation governance, supporting Saudi Arabia’s Vision 2030 goals.

During property renovations, sustainability is increasingly playing a crucial role in reducing environmental impacts, utilizing resources efficiently, and improving the quality of living environments. In our research, we examined the environmentally conscious thinking of potential clients for sustainable renovations, including their requirements for materials, which encompass enhancing energy efficiency, the importance of waste reduction, the significance of using alternative energy, and the application of eco-friendly, durable, and local materials. According to the results of our quantitative survey, respondents recognized the importance of sustainability considerations and expressed their commitment towards energy-efficient and eco-friendly solutions, although costs and payback periods continued to be decisive factors. We found that advocates of sustainable property renovations in our sample displayed environmentally conscious characteristics, and environmentally conscious consumers are willing to spend more for significant and long-term results. As part of our research, we conducted in-depth interviews with real estate agents and general contractors to understand sustainability considerations in the decision-making process of property renovations. The key lesson from the interviews was that buyers can be segmented into different groups, with those prioritizing environmental awareness being of significant importance. Based on the findings, sustainability is increasingly coming to the forefront in property renovations. Thus, our publication offers a detailed insight into market trends and practices.

The rapid advancement of artificial intelligence (AI) technology is profoundly transforming the information ecosystem, reshaping the ways in which information is produced, distributed, and consumed. This study explores the impact of AI on the information environment, examining the challenges and opportunities for sustainable development in the age of AI. The research is motivated by the need to address the growing concerns about the reliability and sustainability of the information ecosystem in the face of AI-driven changes. Through a comprehensive analysis of the current AI landscape, including a review of existing literature and case studies, the study diagnoses the social implications of AI-driven changes in information ecosystems. The findings reveal a complex interplay between technological innovation and social responsibility, highlighting the need for collaborative governance strategies to navigate the tensions between the benefits and risks of AI. The study contributes to the growing discourse on AI governance by proposing a multi-stakeholder framework that emphasizes the importance of inclusive participation, transparency, and accountability in shaping the future of information. The research offers actionable insights for policymakers, industry leaders, and civil society organizations seeking to foster a trustworthy and inclusive information environment in the era of AI, while harnessing the potential of AI-driven innovations for sustainable development.

This article examines how financial technology determines bank performance in different EU countries. The answer to that question would allow banks to choose their development policy. The paper focuses  on the main and most popular bank services that are linked to financial technology. A SWOT analysis of FinTech is also presented to show the benefits and drawbacks of FinTech. FinTech-based services are very diverse and are provided by financial  firms and banks alike. This paper looks at the financial technology provided by banks: internet usage (internet banking), number of ATMs, credit transfers in a country, percentage of the population in a country holding a debit or credit card and whether that population has received or made a digital payment. Using the multi-criteria assessment methods of CRITIC and EDAS, the authors analysed and compared the countries of the European Union and the financial technology used in them. As a result of the application of these methods, the EU countries under consideration were ranked in terms of the use of financial technology. Subsequently, three banks from different countries with different levels of the use of financial technology were selected for the study. For these banks, financial ratios of profitability were calculated to characterise their performance. Correlation and pairwise regression analyses between the banks’ profitability ratios and financial technology were used to assess the relationship and influence between these ratios. The main conclusion of the study focuses on the extent to which financial technology influences the performance of banks in the selected countries. It is likely that further research will try to take into account the size of the country’s population when analysing all financial technologies. Researchers also needed to find out what influence financial technologies have on the such financial indicators as operational efficiency (costs), financial stability, and capital adequacy.

Water pollution has become a serious threat to our ecosystem. Water contamination due to human, commercial, and industrial activities has negatively affected the whole world. Owing to the global demanding challenges of water pollution treatments and achieving sustainability, membrane technology has gained increasing research attention. Although numerous membrane materials have focused, the sustainable water purification membranes are most effective for environmental needs. In this regard sustainable, green, and recyclable polymeric and nanocomposite membranes have been developed. Materials fulfilling sustainable environmental demands usually include wide-ranging polyesters, polyamides, polysulfones, and recyclable/biodegradable petroleum polymers plus non-toxic solvents. Consequently, water purification membranes for nanofiltration, microfiltration, reverse osmosis, ultrafiltration, and related filtration processes have been designed. Sustainable polymer membranes for water purification have been manufactured using facile techniques. The resulting membranes have been tested for desalination, dye removal, ion separation, and antibacterial processes for wastewater. Environmental sustainability studies have also pointed towards desired life cycle assessment results for these water purification membranes. Recycling of water treatment membranes have been performed by three major processes mechanical recycling, chemical recycling, or thermal recycling. Moreover, use of sustainable membranes has caused positive environmental impacts for safe waste water treatment. Importantly, worth of sustainable water purification membranes has been analyzed for the environmentally friendly water purification applications. There is vast scope of developing and investigating water purification membranes using countless sustainable polymers, materials, and nanomaterials. Hence, value of sustainable membranes has been analyzed to meet the global demands and challenges to attain future clean water and ecosystem.

Synthetic membranes play a crucial role in a wide range of separation processes, including dialysis, electrodialysis, ultrafiltration, and pervaporation, with growing interest in synthetic emulsion membranes due to their precision, versatility, and ion exchange capabilities. These membranes enable tailored solutions for specific applications, such as water and gas separation, wastewater treatment, and chemical purification, by leveraging their multi-layered structures and customizable properties. Emulsion membrane technology, particularly in pressure-driven methods like reverse osmosis (RO) and nanofiltration (NF), has shown great potential in overcoming traditional challenges, such as fouling and energy inefficiency, by improving filtration efficiency and selectivity. This review explores the latest advancements in emulsion membrane development, their adaptability to various industrial needs, and their contribution to addressing long-standing limitations in membrane separation technologies. The findings underscore the promise of emulsion membranes in advancing industrial processes and highlight their potential for broader applications in water treatment, environmental management, and other key sectors.