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 Circular Economy is one of the most prominent cross-disciplinary and cross-sectoral concepts to emerge in recent decades. It has permeated academia, policymaking, business, NGOs, and the general public, leading to numerous applications of the concept, some of which only partially overlap. In this article, we review recent debates and research trends in the Circular Economy, outlining the ten most common groups of its conceptualizations using the PRISMA (Preferred Items for Systematic Reviews and Meta-Analysis) method. We then propose a post disciplinary and transnational research program on the Circular Economy that would not only combine hard and soft sciences in unprecedented ways but also have important practical applications, such as developing tools to embed the Circular Economy in natural, technical, economic, and socio-cultural settings.

The increase in energy consumption is closely linked to environmental pollution. Healthcare spending has increased significantly in recent years in all countries, especially after the pandemic. The link between healthcare spending, greenhouse gas emissions and gross domestic product has led many researchers to use modelling techniques to assess this relationship. For this purpose, this paper analyzes the relationship between per capita healthcare expenditure, per capita gross domestic product and per capita greenhouse gas emissions in the 27 EU countries for the period 2000 to 2020 using Error Correction Westerlund, and Westerlund and Edgerton Lagrange Multiplier (LM) bootstrap panel cointegration test. The estimation of model coefficients was carried out using the Augmented Mean Group (AMG) method adopted by Eberhardt and Teal, when there is heterogeneity and cross-sectional dependence in cross-sectional units. In addition, Dumitrescu and Hurlin test has been used to detect causality. The findings of the study showed that in the long run, per capita emissions of greenhouse gases have a negative effect on per capita health expenditure, except from the case of Greece, Lithuania, Luxembourg and Latvia. On the other hand, long-term individual co-integration factors of GDP per capita have a positively strong impact on health expenditure per capita in all EU countries. Finally, Dumitrescu and Urlin’s causality results reveal a significant one-way causality relationship from GDP per capita and CO₂ emissions per capita to healthcare expenditure per capita for all EU countries.

Over the last few decades, we have experienced a remarkable evolution of technologies, with a consequent impact on the modes of transport used. These developments have made all modes of transport more accessible. This study examines the evolution of transport in the European Union. To this end, we analysed the international framework, followed by the general legal framework and the type of transport sector at the European level. Furthermore, we examined areas where improvements could be made, facilitating a subsequent review of other key aspects of transport. This enabled us to identify a series of future actions to improve accessible transport in Europe.

This research delves into the correlation between institutional quality and tourism development in a panel of nine Mediterranean countries within the European Union spanning from 1996 to 2021. The study gauges tourism development by examining tourist arrivals, while considering GDP growth rate, inflation, higher education, environmental quality, and trade as control variables representing factors influencing tourism. Institutional quality is measured through indicators such as regulatory quality, rule of law, and control of corruption. Utilizing Fully Modified Ordinary Least Square (FMOLS) and Dynamic Ordinary Least Squares (DOLS) models, the study aims to quantify the impact of these factors on tourism development. The findings indicate a positive relationship between institutional quality and tourism, shedding light on the pivotal role of institutions in tourism management and their influence on the sector. These results have implications for shaping national development strategies.