Housing is one of the most significant components of sustainable development; hence, the need to come up with sustainable housing solutions. Nevertheless, the sales of houses are steadily falling due to the unaffordability of houses to many people. Based on the expanded community acceptance model, this research examines the relationships between sustainable housing and quality of life with the moderating factors of knowledge, technology, and innovation in Shenzhen. Additionally, it aims to delineate the principal dimensions influencing quality of life. The study employs purposive sampling and gathers data from residents of Shenzhen via a Tencent-distributed survey. Analysis was conducted using Smart Partial Least Squares (PLS) 4.0. Results indicate a positive correlation between economic sustainability in housing and quality of life. Contrarily, the social and environmental aspects exhibited negligible impacts on quality of life. Knowledge, technology, and innovation were identified as significant moderators in the correlation among all three sustainable housing dimensions and quality of life. The findings are anticipated to enhance understanding of the perceived impacts of sustainable housing on quality of life in Shenzhen and elucidate the role of knowledge, technology, and innovation in fostering this development.

The problem of the current study is to study the moderating role of Blockchain technology on the impact of the use of financial technology (FinTech) on the competitive advantage of Jordanian banks. Quantitative analysis is appropriate. The study population consists of (600) employees in three banks at Jordan (Arab Bank, Islamic Bank, Ahli Bank) with its branches in various governorates. A questionnaire was developed to collect study data and distributed electronically. The number of participants was (240) respondents. The study confirms that there is an impact of the mediating role of Blockchain technology in the impact of the use of financial technology (FinTech) on competitive advantage. The study recommends increasing spending on financial technology applications to improve banking services provided to customers, especially through electronic applications and technologies. The study also recommends rebuilding current banking systems using Blockchain technology, which will remove the central database structure and replace it with a decentralized data environment via the blockchain, thus reducing the risk of database hacking. Since transactions via blockchain technology are verified by every node of the chain, it will make transactions more secure which will make the world’s banking systems faster and more secure.

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.

The covid-19 pandemic has adversely affected the sustainability of micro and small enterprises (MSEs), with a particularly pronounced impact in Central Java. Entrepreneurs who struggle to adapt to reduced consumer purchasing power and the increasing reliance on digital technology are at heightened risk of business closure. Despite these challenges, inclusivity remains a crucial element for MSEs in fostering local economic development. Accordingly, this study seeks to examine the role of inclusivity in the sustainability of MSEs that are based on digital technology. Data were collected through the use of questionnaires and focus group discussions. Respondents were digital-based MSEs entrepreneurs from five selected regions, with Central Java having the largest number of digital media users. Key informants included experts from Diponegoro University, the International Council of Small Business (ICSB), the Department of Cooperatives and Micro, Small and Medium Enterprises at the provincial and district levels, and non-governmental organizations. The collected data was analyzed using the Rapid Appraisal for Micro and Small Enterprises (Rap-MSE’s) method. To assess the sustainability status, the study utilized several dimensions, including economic, environmental, social, institutional, technological, and inclusivity factors. Both multidimensional and individual analyses indicated that the sustainability status was relatively robust. MSEs that integrated digital technology into their operations were able to withstand the challenges posed by covid-19 and adapt to the new normal. In conclusion, the inclusivity dimension in the adoption of digital technology has gained increased importance in driving local economic development.

There is insufficient consideration of Generation Z’s cultural and generational needs in the implementation of biometric attendance systems in Arabic educational settings. This study delves into Generation Z’s discipline, exploring their perspectives on attendance systems and aligning commitment with their interests. The primary aim is to gauge biometric systems’ impact on productivity. Google Form questionnaires collected data from young employees, ages 25 to 35, who belong to Generation Z’s working in the higher education system. Structural equation modeling and descriptive analysis assessed the data. While biometric systems enhance discipline, they may dampen morale. Implementing systems fairly and maintaining flexibility is vital. The study underscores the importance of evaluating employees based on achievements. It sheds light on biometric systems’ role in attendance management and organizational performance, aiding HR practices. The results showed no significant effect of Employee Management Practices (EMP) on organization performance through Biometric Attendance Technology (BAT) (B = 0.049, t = 1.330, p = 0.184). Nor significant effects of Organizational Performance Metrics (OPM) (B = 0.019, t = 0.608, p = 0.543). Technological Infrastructure (TI) (B = 0.019, t = 0.2461, p = 0.645), or Satisfaction and Engagement (ESE) (B = 0.057, t = 1.381, p = 0.167) on organization performance through Biometric Attendance Technology. The mediator impact was also found to be not significant (P > 0.05). Therefore, both direct and specific indirect effects were not significant. Indicating that Biometric Attendance Technology does not mediate the relationship between these variables and organizational performance.