Since the external environment on a global level is very unstable, recovering from various unexpected shocks becomes a challenging question for all countries. Thus, for each country it is necessary to understand its weaknesses and threats. Further, the preparation for any level of uncertainty in various fields must be imperative. Even for the most unpredictable shocks such as pandemic, cyberthreat, or even war. The aim of the article is to evaluate the state resilience of the Baltic States by creating the national resilience index. A state’s resilience is based on four pillars: economic, social, good governance, and defence. The methodology is based the SAW method, data has been collected from NATO and Eurostat databases. As the result of the study, resilience index has been estimated for each year from 2015 to 2022. Results revealed vulnerability and problematic areas of each country.

In order to understand the finishing effect of Waterborne Acrylic Paint under different painting methods and amount, bamboo-laminated lumber for furniture was coated with waterborne acrylic paint, then the effects of different painting methods and amount on the drying rate, smoothness, hardness, adhesion and wear resistance of the paint film were investigated. Further, the mechanism of film formation was described by thermal property analysis using thermogravimetry and differential scanning calorimeter. The results show that different painting methods have little effect on film properties, the drying time of primer and topcoat are not affected by them, which is 8/8.5 min for primer surface/solid and 6.5/7 min for topcoats. The film surface hardness and adhesion can reach B and 0 grade, the best wear resistance of the film is 51.24 mg·100 r⁻¹ when using one-layer primer one-layer topcoat. Different coating amount has great influence on film properties, the drying speed of the film increases with the increase of the painting amount. The film properties reach the best when the painting amount is 80 g/m², while too little painting amount leads to the decrease of hardness, and too much leads to the wear resistance weaken. Thermal analysis of the primer and topcoat show that water decomposition occurs at 100 ℃ and thermal decomposition of organic components occur at 350 ℃. Topcoats have better thermal stability than primers higher than that of topcoat, the topcoat displayed better thermal stability than the primer.

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.

To study the environment of the Kipushi mining locality (LMK), the evolution of its landscape was observed using Landsat images from 2000 to 2020. The evolution of the landscape was generally modified by the unplanned expansion of human settlements, agricultural areas, associated with the increase in firewood collection, carbonization, and exploitation of quarry materials. The problem is that this area has never benefited from change detection studies and the LMK area is very heterogeneous. The objective of the study is to evaluate the performance of classification algorithms and apply change detection to highlight the degradation of the LMK. The first approach concerned the classifications based on the stacking of the analyzed Landsat image bands of 2000 and 2020. And the second method performed the classifications on neo-images derived from concatenations of the spectral indices: Normalized Difference Vegetation Index (NDVI), Normalized Difference Building Index (NDBI) and Normalized Difference Water Index (NDWI). In both cases, the study comparatively examined the performance of five variants of classification algorithms, namely, Maximum Likelihood (ML), Minimum Distance (MD), Neural Network (NN), Parallelepiped (Para) and Spectral Angle Mapper (SAM). The results of the controlled classifications on the stacking of Landsat image bands from 2000 and 2020 were less consistent than those obtained with the index concatenation approach. The Para and DM classification algorithms were less efficient. With their respective Kappa scores ranging from 0.27 (2000 image) to 0.43 (2020 image) for Para and from 0.64 (2000 image) to 0.84 (2020 image) for DM. The results of the SAM classifier were satisfactory for the Kappa score of 0.83 (2000) and 0.88 (2020). The ML and NN were more suitable for the study area. Their respective Kappa scores ranged between 0.91 (image 2000) and 0.99 (image 2020) for the LM algorithm and between 0.95 (image 2000) and 0.96 (image 2020) for the NN algorithm.

This research uses both quantitative and qualitative research methodologies to examine the complex factors affecting community resilience in various settings. In this case, the research explores how social cohesion, governance effectiveness, adaptability, community involvement, and the specified difficulties influence resilience results by using the five pillars of resilience as variables. Descriptive and inferential statistics are used to test hypotheses on the relationships between social cohesion, governance effectiveness, adaptive capacity, and community resilience variables. Qualitative data provides further insights into the quantitative results by providing broader views and experiences of the community. The study shows how social capital is important in increasing community capacity, stressing the importance of social relations and trust in developing community solutions to disasters. Another major factor that stands out is the governance factor that ensures that decisions are made, and actions taken in line with the community’s best interest in improving its ability to prepare for and respond to disasters. Adaptive capacity is seen as a key component of resilience and this paper emphasizes the importance of communities to come up with measures that can be adjusted to the changing circumstances. In summary, this study enriches theoretical understanding and offers practical applications of the processes that can enhance community resilience based on the principles of social inclusion, sound governance, and context-specific solutions.

This study aims to develop a robust prioritization model for municipal projects in the Holy Metropolitan Municipality (Makkah) to address the challenges of aligning short-term and long-term objectives. The research explores How multi-criteria decision-making (MCDM) techniques can prioritize municipal projects effectively while ensuring alignment with strategic goals and local needs. The methodology employs the analytic hierarchy process (AHP) and exploratory factor analysis (EFA) to ensure methodological rigor and data adequacy. Data were collected from key stakeholders, including municipal planners and community representatives, to enhance transparency and reliability. The model’s validity was assessed through latent factor analysis, confirming the relevance of identified criteria and factors. Results indicate that flood prevention projects are the highest priority (0.4246), followed by road projects (0.3532), park construction (0.1026), utility projects (0.0776), and digital transformation (0.0416). The study highlights that certain factors are critical for evaluating and prioritizing municipal projects. “Capacity and Demand” emerged as the most influential factor (0.5643), followed by “Strategic Alignment” (0.2013), “Project Interdependence” (0.1088), “Increasing Investment” (0.0950), and “Risk” (0.0306). These findings are significant as they offer a structured, data-driven approach to decision-making aligned with Saudi Vision 2030. The proposed model optimizes resource allocation and project selection, representing a pioneering effort to develop the first prioritization framework specifically tailored to Makkah’s unique municipal needs. Notably, this is the first study to establish a prioritization method specifically for Makkah’s municipal projects, providing valuable contributions to the field.