This research explores the intricate relationship between digitalization, economic development, and non-cash payments in the ASEAN-7 countries over a ten-year period from 2011 to 2020. Focusing on factors such as commercial bank branches, broad money, and inflation, the study employs panel data regression analysis to investigate their impact on automated teller machine (ATM) usage. The findings reveal that commercial bank branches significantly influence ATM usage, emphasizing the role of accessibility, services, and technological preferences. Broad money also shows a significant impact on ATM transactions, reflecting the interplay between fund availability and non-cash transactions. However, inflation does not exhibit a direct influence on ATM usage. The research underscores the importance of maintaining service quality and security in the banking sector to enhance digital financial inclusion. Future research opportunities include exploring diverse non-cash payment methods and extending studies to countries with significant global economic impacts. This research contributes valuable insights to policymakers aiming to enhance digital financial inclusion policies, ultimately fostering economic growth through the digital economy in the ASEAN-7 region.

The coupling coordination degree model is used to analyze the change law of the inherent coupling relationship between the forest economy and the ecological environment system in Heilongjiang Province from 2006 to 2018 and its causes. The results show that by combining the coupling relationship with the relative priority of under-forest economic development, the coupling relationship change can be divided into three stages, the coupling coordination degree from 2006 to 2009 is mainly on the verge of imbalance, and the under-forest economic development lags behind the development of the ecological environment. From 2010 to 2012, the coupling coordination degree changed from the reluctant coupling stage to the stage on the verge of imbalance, and the forest economy was ahead of the ecological environment development. From 2013 to 2018, the degree of coupling and coordination was in the reluctant coupling stage, and the under-forest economy and the ecological environment continued to develop in synchronize and in harmony. Therefore, according to the research results, it is proposed to establish the principle of ecological priority, adhere to the development of characteristics, improve the level of science and technology, and rationally develop the under-forest economic industry, so as to promote the coupling and coordinated development of the under-forest economy and ecological environment system in Heilongjiang Province.

This paper provides a comparative perspective on infrastructure provision in developing Asia's three largest countries: China, India, and Indonesia. It discusses their achievements and shortfalls in providing network infrastructure (energy, transport, water, and telecommunications) over the past two decades. It documents how three quite distinct development paths—and very different levels of national saving and investment—were manifested in different trajectories of infrastructure provision. The paper then describes the institutional, economic, and policy factors that enabled or hindered progress in providing infrastructure. Here, contrasting levels of centralization of planning played a key role, as did countries’ differing abilities to mobilize infrastructure-related revenue streams such as user charges and land value capture. The paper then assesses future challenges for the three countries in providing infrastructure in a more integrated and sustainable way, and links these challenges with the global development agenda to which the three countries have committed. The concluding recommendations hope to provide a platform for further policy and research dialogue.

Agroforestry holds the key in providing alternative economically viable livelihood development and to support mountainous farmers to adapt to climate change. Innovative agroforestry interventions integrating animal production, horticulture etc into cropping systems exist that can help farmers improve yields and build resilience for supporting livelihoods particularly among marginal communities. But, the lack of knowledge, technical know-how and other information among the farmers are major barriers in adoption of agroforestry. Millions of the farmers of mountainous regions are already wrestling with water scarcity, which would be more severe in climate change scenario. The Himalayan regions are have been considered to be highly sensitive to climate change. Indeed, Innovative agroforestry interventions have the potential to conserve natural resources, improve productivity and provide resilience to climate change. The present paper highlights the need for developing innovative agroforestry interventions to promote various alternate livelihood options through diversification, adoption of high yielding varieties and development of innovative products from forest resources.  Of these spice based agroforetry, silvi-medicinal systems, Van silk cultivation, bamboo and ringal cultivation  and development and use of farm resources based products like  bamboo based composite structures, Seabuckthorn herbal tea, Ghingaroo juice  (Crataegus crenulata) and incense products etc holds a promising potential to be explored as better options for future scenario.

Nanoparticle drug delivery systems are engineered technologies that use nanoparticles for the targeted delivery and controlled release of therapeutic agents. Cisplatin-loaded nanoparticle formulations were optimized utilizing response surface methods and the central composite rotating design model. This study employed a central composite rotatable design with a three-factored factorial design with three tiers. Three independent variables namely drug polymer ratio, aqueous organic phase ration, and stabilizer concentration were used to examine the particle size, entrapment efficiency, and drug loading of cisplatin PLGA nanoparticles as responses. The results revealed that this response surface approach might be able to be used to find the best formulation for the cisplatin PLGA nanoparticles. A polymer ratio of 1:8.27, organic phase ratio of 1:6, and stabilizer concentration of 0.15 were found to be optimum for cisplatin PLGA nanoparticles. Nanoparticles made under the optimal conditions found yielded a 112 nm particle size and a 95.4 percent entrapment efficiency, as well as a drug loading of 9 percent. The cisplatin PLGA nanoparticles tailored for scanning electon microscopy displayed a spherical form. A series of in vitro tests showed that the nanoparticle delivered cisplatin progressively over time. According to this work, the Response Surface Methodology (RSM) employing the central composite rotatable design may be successfully used to simulate cisplatin-PLGA nanoparticles.