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.

In response to the prevailing energy crisis, this research focuses on elevating the potential of lithium niobate (LN) thin films for advanced optoelectronic applications. Employing electron beam evaporation, films undergo precise annealing (700°C to 1100°C), revealing a structural evolution through X-ray diffraction—crystallite sizes transition from 69.34 nm (unannealed) to 47.90 nm (1100°C). Scanning electron microscopy captures the transformation from coarse grains to photonic crystal clusters, while energy dispersion X-ray analysis discloses LN's composition (97.27 wt.% oxygen, 2.73 wt.% niobium). Rutherford backscattering spectroscopy illustrates surface damage post-Helium ion implantation, proportionate to depth. UV-VIS spectrophotometry highlights a significant blue shift in the optical band gap (3.70 eV to 2.52 eV), with further reduction at 700°C (2.48 eV) and a climactic shift at 1100°C (2.68 eV). This study not only addresses the pressing energy crisis but also emphasizes the indispensable role of lithium niobate in shaping the future of optoelectronics. It provides insights into tailoring LN properties for sustainable advancements in optoelectronic devices, marking a crucial chapter in our collective journey towards energy resilience. The urgency of innovation in the face of global challenges is underscored, marking a crucial chapter in our collective journey towards energy resilience.

In the past twenty years, market dynamics have had a substantial impact on different industrial sectors, ultimately influencing their level of competitiveness. The field of operation management in terms of halal logistics has gained considerable attention and recognition among scholars and researchers in the academic community, as evidenced by the growing body of literature in the field of management. This article presents a bibliometric examination of scholarly literature pertaining to the halal supply chain in the domain of business. In addition, bibliographic material is organized and analyzed through the utilization of software tools such as VOSviewer, R Studio, and Microsoft Excel. A comprehensive analysis was conducted on a dataset comprising 278 scholarly papers that had been indexed by Scopus. The process of identifying and categorizing relevant research on the topic was carried out using certain criteria, including journal publications, articles, authorship, and geographical origin. The results suggest a significant rise in scholarly investigations carried out in this specific domain during the previous two decades. Our study also acknowledges several countries as the most productive domains of halal supply chain studies. It is imperative to recognize, though, that scientific advancement continues in this field, as well as in all other areas of study, and that data undergoes significant changes over time. This article examines potential avenues for future research, incorporating quantitative analysis and collaborative inquiry undertaken by researchers.

Investment growth in many emerging market and developing economies (EMDEs) has slowed sharply since 2010. Investment growth performance has varied significantly across different regions, however. This paper examines the evolution of investment growth in six EMDE regions, documents remaining investment needs, especially for infrastructure, and presents a set of region-specific policy responses to address these needs. It reports three main findings. First, investment growth has been particularly weak in EMDE regions hosting a large number of commodity exporters. In regions with a substantial number of commodity-importing economies, investment growth has been somewhat resilient but has also declined steadily since 2010. Second, sizable investment needs remain in most EMDE regions to make room for expanding economic activity and rapid urbanization. A large portion of these investment needs is in infrastructure and human capital. Finally, while specific policy priorities vary across regions, several policy options to address remaining investment needs apply universally. These include more, and more efficient, public investment and measures to improve overall growth prospects and the business climate. Improved project selection and monitoring, as well as better governance, may enhance the efficiency and benefits from public investment.