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.

This review provided a detailed overview of the different synthesis and characterization methods of polymeric nanoparticles. Nanoparticles are defined as solid and colloidal particles of macromolecular substances ranging in size under 100 nm. Different types of nanoparticles are used in many biological fields (bio-sensing, biological separation, molecular imaging, anticancer therapy, etc.). The new features and functions provided by nano dimensions are largely different from their bulk forms. High volume/surface ratio, improved resolution and multifunctional capability make these materials gain many new features. 

This research examines three data mining approaches employing cost management datasets from 391 Thai contractor companies to investigate the predictive modeling of construction project failure with nine parameters. Artificial neural networks, naive bayes, and decision trees with attribute selection are some of the algorithms that were explored. In comparison to artificial neural network’s (91.33%) and naive bays’ (70.01%) accuracy rates, the decision trees with attribute selection demonstrated greater classification efficiency, registering an accuracy of 98.14%. Finally, the nine parameters include: 1) planning according to the current situation; 2) the company’s cost management strategy; 3) control and coordination from employees at different levels of the organization to survive on the basis of various uncertainties; 4) the importance of labor management factors; 5) the general status of the company, which has a significant effect on the project success; 6) the cost of procurement of the field office location; 7) the operational constraints and long-term safe work procedures; 8) the implementation of the construction system system piece by piece, using prefabricated parts; 9) dealing with the COVID-19 crisis, which is crucial for preventing project failure. The results show how advanced data mining approaches can improve cost estimation and prevent project failure, as well as how computational methods can enhance sustainability in the building industry. Although the results are encouraging, they also highlight issues including data asymmetry and the potential for overfitting in the decision tree model, necessitating careful consideration.

This review comprehensively summarizes various preparatory methods of polymeric bone scaffolds using conventional and modern advanced methods. Compilations of the various fabrication techniques, specific composition, and the corresponding properties obtained under clearly identified conditions are presented in the commercial formulations of bone scaffolds in current orthopedic use. The gaps and unresolved questions in the existing database, efforts that should be made to address these issues, and research directions are also covered. Polymers are unique synthetic materials primarily used for bone and scaffold applications. Bone scaffolds based on acrylic polymers have been widely used in orthopedic surgery for years. Polymethyl methacrylate (PMMA) is especially known for its widespread applications in bone repair and dental fields. In addition, the PMMA polymers are suitable for carrying antibiotics and for their sustainable release at the site of infection.

Carbon based materials are really an integral component of our lives and widespread research regarding their properties was conducted along this process. The addition of dopants to carbon materials, either during the production process or later on, has been actively investigated by researchers all over the world who are looking into how doping can enhance the performance of materials and how to overcome the current difficulties. This study explores synthesis methods for nitrogen-doped carbon materials, focusing on advancements in adsorption of different pollutants like CO₂ from air and organic, inorganic and ions pollutants from water, energy conversion, and storage, offering novel solutions to environmental and energy challenges. It addresses current issues with nitrogen-doped carbon materials, aiming to contribute to sustainable solutions in environmental and energy sciences. Alongside precursor types and synthesis methods, a significant relationship exists between nitrogen content percentage and adsorption capacity in nitrogen-doped activated carbon. Nitrogen content ranges from 0.64% to 11.23%, correlating with adsorption capacities from 0.05 mmol/g to 7.9 mmol/g. Moreover, an electrochemical correlation is observed between nitrogen atom increase and specific capacity in nitrogen-doped activated carbon electrodes. Higher nitrogen percentage corresponds to increased specific capacity and capacity retention. This comprehensive analysis sheds light on the potential of nitrogen-doped carbon materials and highlights their significance in addressing critical environmental and energy challenges.

China’s annual government work report (GWR) contains terms with Chinese characteristics (TCC), reflecting unique policy frameworks. Translating these terms into English poses significant challenges due to cultural disparities between China and the West. This paper examines the English translation methods used for such terms, using the 2020 GWR as a case study, aiming to provide valuable insights for future translation practices.