The research aims to examine East Nusa Tenggara (NTT) bank service digitalization innovations and examine several implications of bank service digitalization innovations. This research uses a qualitative approach with data collection techniques: in-depth interviews, documentation, and focused discussions. The key informants in this research were the board of commissioners, directors, division heads, and NTT bank employees. The findings of this research are, first, the existence of an existing/generic model in the operational, supporting, and monitoring fields of NTT banks. Second, there is an innovation model for digitizing services and efforts to popularize the digitization of NTT bank services to the government-private sector, including micro, small, and medium enterprises (MSMEs), religious institutions, educational institutions, students and students as well as the broader community to provide easy access to sources of financing for the community, Eliminate regional tax leakage, encourage the development of micro, small, and medium enterprises (MSMEs) and assisted village farmers/breeders, provide entrepreneurial opportunities for the community, namely as a digital agent for NTT bank, minimize fraudulent behavior (shirking) in credit distribution. Third, service digitalization innovation uses a contextual sociolinguistic approach because it incorporates local and global vocabulary such as Bpung Mobile, Bpung Farmer, Lopo Dia Bisa, and Bpinjam. Fourth, service digitalization innovation refers to OJK regulations regarding banking digital transformation contained in RP 21 and PBI number 23/26/2021. Fifth, conventional services (hybrid approach) still accompany the digitalization innovation model. Sixth, Bank NTT is in quadrant III, namely growth. Bank NTT continuously optimizes existing resources by taking advantage of opportunities to increase business growth and continues to mitigate threats into opportunities and strengths. The implications of the innovation in digitizing NTT bank services include updating standard operating procedures (SOP), changing corporate culture from Flobamora to Bintang, and accelerating the increase in human capital capacity. The implications of research on bank management refer to the innovation of procurement of new IT systems. Banks can increase their attention to service quality and maintain customer trust to maintain the quality of digital banks among customers. Moreover, with post-COVID-19 conditions that require people to make digital transactions. With the changes in the financial industry towards digitalization, it is necessary to strengthen risk management in financial service institutions. The implications of the research results for policymakers need to be considered in the transformation towards digital banking related to equitable internet access in Indonesia, cybersecurity, and employment. Recommendations for future research are the importance of studying the determinants of digital service innovation in bank services, such as transformational leadership style, good corporate governance, and organizational commitment.

Housing is one of the most significant components of sustainable development; hence, the need to come up with sustainable housing solutions. Nevertheless, the sales of houses are steadily falling due to the unaffordability of houses to many people. Based on the expanded community acceptance model, this research examines the relationships between sustainable housing and quality of life with the moderating factors of knowledge, technology, and innovation in Shenzhen. Additionally, it aims to delineate the principal dimensions influencing quality of life. The study employs purposive sampling and gathers data from residents of Shenzhen via a Tencent-distributed survey. Analysis was conducted using Smart Partial Least Squares (PLS) 4.0. Results indicate a positive correlation between economic sustainability in housing and quality of life. Contrarily, the social and environmental aspects exhibited negligible impacts on quality of life. Knowledge, technology, and innovation were identified as significant moderators in the correlation among all three sustainable housing dimensions and quality of life. The findings are anticipated to enhance understanding of the perceived impacts of sustainable housing on quality of life in Shenzhen and elucidate the role of knowledge, technology, and innovation in fostering this development.

This empirical inquiry adopts the AutoRegressive Distributed Lag (ARDL) model to meticulously examine the multifaceted interconnections among innovation, globalization, and productivity across a diverse set of 76 nations, encompassing both developed and developing economies. The research employs rigorous econometric techniques within the ARDL framework to discern the short- and long-term effects of innovation and globalization on productivity levels. The findings underscore a robust and statistically significant association between innovation and productivity, as well as a constructive impact of globalization on enhancing productivity. The outcomes underscore the transformative potential of innovation and the facilitating role of globalization in fostering productivity growth. This empirical evidence contributes to the empirical literature by offering a refined understanding of the intricate relationships shaping productivity patterns on a global scale, emphasizing the joint influence of innovation and globalization in driving economic efficiency.

The affectations caused by extreme events of natural origin such as droughts and floods in traditional homes in the province of Gran Chaco, in Bolivia, are frequent. These aspects compromise the habitat of the populations that occupy them, as is the case of the original Weenhayek people, as an alternative for the improvement of the human habitat of this town. Through theoretical and empirical methods, five variables used for the development of the adaptation model were determined, from the bases of planned adaptation as a component of urban-territorial resilience, in search of an improvement of socio-environmental systems in the face of the effects of climate change, exemplified in the Weenhayek native people. The model establishes the improvements of traditional dwellings, from a current trend of deterioration to one of preservation, conservation and growth in the Weenhayek culture, through various features, such as: Respects the cultural design of the house that integrates local patterns of the environment, ecosystem and contemporary construction elements without affecting its image, the materials and construction techniques used are of a traditional nature, but with contemporary elements that improve their application, durability, stability, as an articulated construction system, commits governments in all instances to the technical-constructive study of the rural areas of the human settlements of the Weenhayek people, and establishes a starting point towards new studies focused on native peoples.

This paper analyzes the characteristics and influence mechanisms of financial support for China’s strategic emerging industries. Using a sample of 356 listed companies across nine major industries, we conduct an in-depth analysis of the efficiency of financial support and its influencing factors. In addition, this paper analyzes the influence mechanism of financial support for strategic emerging industries based on the relevant theory of financial support for industry development. It clarifies the internal and external influencing factors. Based on the theoretical analysis, a two-stage empirical investigation was conducted: The data of 356 listed companies in strategic emerging industries from 2010 to 2022 were selected as a sample, and the data envelopment analysis (DEA) method was applied to measure efficiency. The influencing factors were then analyzed using a Tobit regression and an intermediate effects test.