Fintech as a three-dimensional phenomenon reflects the rapidly changing technological, financial and business environment. The bibliometric analysis of scientific articles allowed us to identify the main themes and create a map of the field of fintech influences. Systematization of scientific articles revealed the influence of economic development and socio-demographic inequality on fintech development. Government regulatory policies can accelerate the digitisation of financial services and financial inclusion and help the fintech sector face geopolitical challenges. Fintech’s impact was divided into three areas: financial stability and sustainable development, the business ecosystem and human behaviour. The research we summarised allowed us to identify the mechanisms through which fintech influences various fields. A complex approach to the influence of fintech enables us to understand the phenomenon and make better decisions.

This study seeks to explore the uses, behaviors and perceptions of university students regarding mobile phones to help elucidate whether there is a relationship between the use of mobiles and the academic performance of university students. A quantitative approach based on an ad hoc questionnaire, applied before the pandemic, was used to gather evidence in this regard, which revealed the uses and educational visions of mobile phones in a convenience sample of 314 university students from nine different degree courses in two Spanish universities. Three major conclusions are formulated as part of future lines of development. First, although there is frequent use of mobile phones, the image of the mobile as a learning resource in the university classroom does not reach one-third of students. Second, although this study does not determine the causal relationship, there is a statistically significant negative relationship between average grades achieved and hours of dedication to the mobile phone. Finally, students who are unable to spend more than one hour without checking their phone obtain a significantly lower average mark than those who can stay more than one hour without checking their phone.

This paper uses quantitative research methods to explore the differences in the impact of virtual influencers on different consumer groups in the context of technological integration and innovation. The study uses DBSCAN (Density-Based Spatial Clustering of Applications with Noise) clustering technology to segment consumers and combines social media behavior analysis with purchase records to collect data to identify differences in consumer behavior under the influence of virtual influencers. Consumers' emotional resonance and brand awareness information about virtual influencers are extracted through sentiment analysis technology. The study finds that there are significant differences in the influence of virtual influencers on different consumer groups, especially in high-potential purchase groups, where the influence of virtual influencers is strong but short-lived. This paper further explores the deep integration of virtual influencer technology with new generation information technologies such as 5G and artificial intelligence, and emphasizes the importance of such technological integration in enhancing the endogenous and empowering capabilities of virtual influencers. The research results show that technological integration and innovation can not only promote the development of virtual influencers, but also provide new technical support for infrastructure construction, especially in the fields of smart cities and industrial production. This paper provides a new theoretical perspective for the market application of virtual influencers and provides practical support for the application of virtual technology in infrastructure construction.

Nickel Oxide (NiO) nanoparticles (NPs), doped with manganese (Mn) and cobalt (Co) at concentrations up to 8%, were synthesized using the composite hydroxide method (CHM). X-ray diffraction (XRD) analysis confirmed the formation of a cubic NiO structure, with no additional peaks detected, indicating successful doping. The average crystallite size was determined to range from 15 to 17.8 nm, depending on the dopant concentration. Scanning electron microscopy (SEM) images revealed mostly spherical, agglomerated particles, likely due to magnetic interactions. Fourier Transform Infrared Spectroscopy (FTIR) confirmed the incorporation of Mn and Co into the NiO lattice, consistent with the XRD results. The dielectric properties exhibited a high dielectric constant at low frequencies, which can be attributed to ion jump orientation and space charge effects. The imaginary part of the dielectric constant decreased with increasing frequency, as it became harder for electrons to align with the alternating field at higher frequencies. Both the real and imaginary dielectric constants showed behavior consistent with Koop’s theory, increasing at low frequencies and decreasing at higher frequencies. Dielectric loss was primarily attributed to dipole flipping and charge migration. AC conductivity increased with frequency, and exhibited higher conductivity at high frequencies due to small polaron hopping. These co-doped NPs show potential for applications in solid oxide fuel cells.

The low economic growth of Gorontalo province and the smallest PDRB ADHK in Indonesia are the reasons why this research needs to be carried out to look at the influence of the number of poor people, human development index and unemployment on economic growth in the districts/cities of Gorontolo Province, as a result, there is a mismatch between empirical and theoretical, this research was conducted to fill the information gap on how the three variables influence economic growth, This research was conducted to determine the effect of the number of poor people, the human development index. and unemployment on economic growth, research population data on the number of poor people, HDI, Unemployment, Economic growth, the sampling technique of this research is non-probability sampling, where the full sampling method is applied, Gorontalo Province with six regencies/cities is sampled in this research, with data taken in 2012–2021, the data analysis technique uses panel data regression, with three-panel data model estimates namely CEM, FEM, REM and model selection techniques, Chow test, Hausmant Test and Lagrange multiplie equipped with classical assumption tests and T hypothesis tests and F, the research Finding show that the number of poor people in the Regency/City of Gorontalo Province does not have a significant effect on economic growth in Gorontalo Province. Rice, which is the staple food for the people of Gorontalo, apart from rice, the high level of cigarette consumption among the people of Gorontalo, apparently also has an impact. large impact on the increase in the number of poor people, the human development index in the Regency/City of Gorontalo Province has a significant influence on the economic growth of Gorontalo Province where every increase that occurs in the HDI results in an increase in economic growth in Gorontalo Province, thirdly, the open unemployment rate in the Regency/City of Gorontalo Province does not have a significant effect on the economic growth of Gorontalo Province, conclusion of this research is only HDI affects economic growth in Gorontalo.

Social media influencer marketing has emerged as an essential marketing strategy in the online interactive environment. This study investigates the impact of influencer-consumer fit (ICF) on behavioral intentions; intention to co-create brand value (ICC) and purchase intention (PI), with the serial mediation of influencer authenticity (IA) and attitude toward brand (ATB). A self-administered questionnaire was distributed to followers of social media influencers in Pakistan. The data were collected from 421 female followers of social media influencers through survey and partial least squares—structural equation modeling was used for data analysis. The findings reveal that ICF impacts IA, while the latter impacts ATB. ATB in turn impacts behavioral intentions. The direct effects suggest that ICF impacts consumers’ PI but not the ICC. However, with the serial mediation of IA and ATB, the relationship becomes significant. The findings of this study may assist managers in building brand strategies to achieve excellence in a highly dynamic and competitive market by leveraging the power of influencer marketing.