The rise of fintech in the financial sector presents a transformative shift towards digitalisation and sustainability on a global scale, leveraging technologies like AI to minimise environmental footprint. Neobanks not only challenge traditional banking models but also offer innovative solutions that align with sustainable objectives. The purpose of this paper is to analyse the impact of neobanks on global sustainability from economic, environmental, and social points of view. A comprehensive literature review of existing literature and current sustainable practices of neobanks was conducted. Results reveal that neobanks significantly positively contribute towards environmental sustainability with reduced paper use and logistics requirements of banking services. By offering more accessible and affordable banking services they importantly contribute towards higher financial inclusion, and with innovative products towards more competitive and innovative financial markets. AI-based tools they employ are increasing financial literacy and social inclusion. This article also highlights concerns regarding electronic waste management, potential high energy consumption, required digital literacy and cybersecurity risks. In conclusion, despite the mentioned risks, neobanks importantly contribute to global sustainability in many ways and will even more in the future. These findings can help neobanks shape sustainable practices and guide policymaking, as well as spread awareness of the sustainable impact of banking services.

The Moroccan economy has undergone significant structural changes since the 1980s. Attracting Foreign Direct Investment (FDI) has been a key strategy for the country’s economic growth and development, particularly in some specific high value-added sectors, such as the automotive supply industry. This paper uses the results of a survey to examine the reasons why multinational enterprises (MNEs) in the automotive supply sector set up in Morocco. Our findings show that proximity to Europe and labor costs and skills are the most important considerations for investing in this sector in Morocco. However, some institutional issues are still of concern to these MNEs.

This study uses dynamic capability theory and a resource-based view to examine whether intellectual capital (human, relational, and structural capital) mediates entrepreneurial leadership and innovation success. Drawing on data from 422 senior-level employees working in Peruvian I.T. companies, the proposed relationships were analyzed using SmartPLS 4. Entrepreneurial leadership was found to foster employees’ innovative performance through the mediating role of human capital, relational capital, and structural capital. Practically, businesses often rely on innovation for survival and growth, so they should consider entrepreneurial leadership to create intellectual capital (human capital, relational capital and structural capital) for innovation performance. Businesses should provide entrepreneurial training that emphasizes role modeling intellectual capital and encourages employees to recognize and pursue entrepreneurial opportunities. With significantly limited research, the study contributes by investigating the interrelationship of entrepreneurial leadership, intellectual capital, and innovation performance. The study contributes to the Resource Based View and Dynamic Capability Theory by demonstrating how entrepreneurial leadership contributes to innovation performance through human capital, relational capital, and structural capital.

This study investigates the performance assessment of methanol and water as working fluid in a solar-powered vapour absorption refrigeration system. This research clarifies the system’s performance across a spectrum of operating conditions. Furthermore, the HAP software was utilized to determine and scrutinize the cooling load, facilitating a comparative analysis between software-based results and theoretical calculations. To empirically substantiate the findings, this research investigates methanol-water as a superior refrigerant compared to traditional ammonia- water and LiBr-water systems. Through experimental analysis and its comparison with previous research, the methanol-water refrigeration system demonstrated higher cooling efficiency and better environmental compatibility. The system’s performance was evaluated under varying conditions, showing that methanol-water has a 1% higher coefficient of performance (COP) compared to ammonia-water systems, proving its superior effectiveness in solar-powered applications. This empirical model acts as a pivotal tool for understanding the dynamic relationship between methanol concentration (40%, 50%, 60%) and system performance. The results show that temperature of the evaporator (5–15 ℃), condenser (30 ℃–50 ℃), and absorber (25 ℃–50 ℃) are constant, the coefficient of performance (COP) increases with increase in generator temperature. Furthermore, increasing the evaporator temperature while keeping constant temperatures for the generator (70 ℃–100 ℃), condenser, and absorber improves the COP. The resulting data provides profound insights into optimizing refrigerant concentrations for improved efficiency.

Low temperature is one of the most significant environmental factors that threaten the survival of subtropical and tropical plant species. By conducting a study, which was arranged in a completely randomized design with three replicates, the relative freezing tolerance (FT) of four Iranian pomegranate cultivars, including ‘Alak Torsh’, ‘Tabestaneh Torsh’, ‘Poost Sefid’, and ‘Poost Syah’, as well as its correlation with some biochemical indices, were investigated. From each cultivar, pieces of one-year-old shoot samples were treated with controlled freezing temperatures (−11, −14, and −17 ℃) to determine lethal temperatures (LT₅₀) based on survival percentage, electrolyte leakage, phenolic leakage, and tetrazolium staining test (TST) methods. Results showed that FT was higher in the second year with a lower minimum temperature and a higher concentration of cryoprotectants. The stronger correlation of electrolyte leakage with survival percentage (r = 0.93***) compared to the other three indices explained that this index could be the most reliable injury index in determining the pomegranate FT to investigate freezing effects. Of all four cultivars, ‘Poost Syah’ was the hardest by presenting a higher FT than ~ −14 ℃ in mid-winter. Accordingly, this pomegranate cultivar seems to be promising to grow in regions with a higher risk of freezing and to be involved in breeding programs to develop novel commercial cultivars.

In 1859, the French invasion of Gia Dinh marked the beginning of their acquisition of Cochinchina. Shortly after their arrival, France brought printers on their ships, along with firearms and artillery. The printers were intended to quickly disseminate the policies of the invading army to the inhabitants of the occupied territory. At the end of 1861, the inaugural official newspaper in Cochinchina, ‘Le Bulletin officiel de l’expédition française de la Cochinchine’, had been published. The Royal Printing House (l’Imprimerie Impériale), the first printing facility in Cochinchina, was also established at the end of 1861 to accommodate printing tasks, particularly the production of gazettes. In 1873, various private printing houses emerged in Saigon-Cho Lon. Printing and publishing efforts gradually assimilated into the social fabric of Cochinchina after serving as a tool of the invaders. They transformed into political and cultural institutions within colonial society, notably in Saigon-Cho Lon. The progression of these activities during the process was observable, at least for those granted permission to participate. The requirements of the colonial environment and the vitality of the private sector fuelled these new activities, although the colonial authorities deemed it necessary to exert control over them. This article offers additional information on the printing and publishing activities in Saigon-Cho Lon, Vietnam, highlighting the accomplishments of some distinguished printers.