Industry 4.0 is revolutionizing businesses’ operations and relationships with the communities to which they cater. The widespread use of computing and network programs compels firms to digitize their operations and offer novel goods, solutions, and business for practice. Universities appear to be slow to adapt to the changes in the education sector. This study suggests using consolidated digital transformation sources to evaluate the level of ability that universities have achieved in the implementation of digital procedures and to compare it to that of other business sectors across all cities and provinces in Vietnam. The text outlines specific factors that universities should consider when implementing the model. Although the objective with the expectation of education from digital transformation is high, compare it with other industries. And the scores achieved in structural agility and create of benefit for the transformative goals are 3.4, but the score of benefit of technologies is 3.0 lower than. Additionally, the organizational component’s scores were primarily focused on leadership and culture, digital strategy, market digitalization, dynamic and digital capabilities, and strengthened logistics within each industry during the digital transformation. Our findings indicate that universities lag behind other industries, perhaps as a consequence of inadequate leadership and cultural shifts. This is exacerbated by a lack of innovation and inadequate financial assistance.

Historically, transportation projects and urban mobility policies overlook the dimension of social sustainability, mainly focusing on economic and environmental criteria. This neglect, seen enhanced in the Global South, leads to long travel times, growing congestion, reliance on motorcycles, high traffic accident rates, and limited access to public transport, jobs, and urban facilities, especially for the more vulnerable population. In light of these issues, this paper proposes the Social Sustainability of Urban Mobility (SSUM) approach as an analytical framework that assesses the state of social sustainability in urban mobility by applying a Systematic Literature Review where three gaps were found. First, by tailoring the SSUM approach to the context of the Global South, it is possible to address the population-focused gap in urban mobility. Second, in the literature review, a theoretical gap defining social sustainability in urban mobility and its three primary categories has yet to reach a consensus among practitioners and academics. Finally, more empirical research should be conducted to discuss methodological aspects of operationalizing the SSUM approach through the three main categories: accessibility, the sustainability of the community, and institutionality. The SSUM approach promotes implementing a sustainable urban agenda that builds inclusive, equitable, and just cities in urban mobility.

 This study employs a virtual reality (VR) game to examine the role of VR gaming in learning Saudi cultural heritage. By creating 3D (Three-dimensional) virtual heritage buildings, the game immerses players in cultural scenes, fostering a lasting appreciation for art history. Objectives include making heritage information dissemination engaging, blending learning and entertainment in a 3D environment, designing a gamified setting for active learning, and igniting interest in culture, tradition, architecture, and art history. This paper further highlights the significance of serious gaming in promoting the Saudi cultural heritage among the younger generation. The research involved immersing 59 participants into a heritage building environment using a VR game and then probing their experience of the environment through a questionnaire. Results indicate positive participant experiences, increased interest in Saudi cultural heritage and appreciation for VR technology. The study demonstrates the potential of VR games to make heritage accessible and enjoyable for the younger generation, motivating further exploration and learning. Valuable resources are provided for individuals and researchers interested in using VR gaming for cultural heritage engagement.

With the characteristics of resisting business cycle, mitigating cash flow, and improving portfolio resilience, special assets usually enter a highly active period in the economic downturn cycle, and gradually become an effective asset allocation means in the transition phase of the business cycle. This article aims to analyze the importance of the development of China's special asset investment industry in the context of high-quality economic development, and explore how to introduce market-oriented mechanisms to build primary and secondary markets for special assets, in order to improve the effective allocation of market resources and maximize returns.

This paper investigates the factors influencing credit growth in Kosovo, focusing on the relationship between credit activity and key economic variables, including GDP, FDI, CPI, and interest rates. Its analysis targets loans issued to businesses and households in Kosovo, employing a VAR model integrated into a VEC model to investigate the determinants of credit growth. The findings were validated using OLS regression. Additionally, the study includes a normality test, a model stability test (Inverse Roots AR Characteristic Polynomial), a Granger causality test for short-term relationships, and variance decomposition to analyze variable shocks over time. This research demonstrates that loan growth is primarily driven by its historical values. The VEC model shows that, in the long run, economic growth in Kosovo leads to less credit growth, showing a negative link between it and GDP. Higher interest rates also reduce credit growth, showing another negative link. On the other hand, more foreign direct investment (FDI) increases credit demand, showing a positive link between credit growth and FDI. The results show that loans and inflation (CPI) are positively linked, meaning higher inflation leads to more credit growth. Similarly, more foreign direct investment (FDI) increases credit demand, showing a positive link between FDI and credit growth. In the long term, higher inflation is connected to greater credit growth. In the short term, the VAR model suggests that GDP has a small to moderate effect on loans, while FDI has a slightly negative effect. In the VAR model, interest rates have a mixed effect: one coefficient is positive and the other negative, showing a delayed negative impact on loan growth. CPI has a small and negative effect, indicating little short-term influence on credit growth. The OLS regression supports the VAR results, finding no effect of GDP on loans, a small negative effect from FDI, a strong negative effect from interest rates, and no effect from CPI. This study provides a detailed analysis and adds to the research by showing how macroeconomic factors affect credit growth in Kosovo. The findings offer useful insights for policymakers and researchers about the relationship between these factors and credit activity.