There is a growing trend among elderly people to live alone and this trend is expected to increase in the future. Social isolation and limited support can have a negative impact on the physical and mental well-being of older adults. The increasing life expectancy and expanding geriatric population necessitate the development of innovative solutions to support their health, independence, and autonomy. This article addresses the key challenges and issues confronting the elderly and analyzes various IoT technologies and solutions proposed to enhance their lives. Smart home technologies improve the quality of life and enable older adults to live independently in their own homes while their adult children are at work. This article presents a smart home model for the elderly in Kazakhstan, based on their needs, concerns, and financial capabilities. The proposed prototype will be developed using an accessible, open-source intelligent system that includes health monitoring, medication adherence monitoring, alerting family members in case of falls or deteriorating health indicators, and video surveillance. Another advantage of this system is the automation of processes such as automatic lighting control, voice command functionality, home security, and climate control. Preliminary testing of the hardware model shows promising results, with plans for continuous improvement and evaluation as it is deployed. Key criteria for its implementation include affordability, accessibility, and feasibility. Based on Kazakhstan’s unique socio-cultural and economic context, this paper proposes a sophisticated smart home model tailored to the specific needs and financial capabilities of elderly Kazakhs.

Environmental, social and governance (ESG) goes beyond its function as a business to maximize profits for the shareholders to work for societal purposes. Meanwhile, the green credit policy in China is still in its infancy, and the impact of green loans on the efficiency of commercial banks is significantly different. In this context, this paper details the company’s performance in crucial aspects such as low-carbon operations, eco-friendly financial innovation, a sustainable economic system, data security and the development of organizational capabilities to provide a sustainable development paradigm for supply chain finance technology peers. Based on ESG portfolio, we found that adding ESG holdings to a company affects its compliance with delivery or environmental rules, and anode and cathode of ESG combined Dual Carbon (DC) are presented in terms of emission levels. Our further research indicates the implementation of Green Credit Guideline has a positive impact on ESG performance of both green and polluting firms in comparison with others. The result was fully supported by different methods and models including PSM-DID (Propensity Score Matching-Differences-in-Differences), QDID (Quantiles Differences-in-Differences), and Kernel approaches, which can provide more implications and references for policy makers. Investors, politicians, and other essential stakeholders perceive ESG as a strategy to protect enterprises from future risks.