This research quantitatively examines how technology-mediated formative assessment techniques affect student learning outcomes in middle school education. The research investigates the correlation between instructors’ technology use, attitudes, and student performance in several academic disciplines using surveys and evaluations conducted with teachers and students. Results show strong positive connections between how often technology is used, the specific digital tools used, how effective technology-mediated formative assessment is judged to be, and the results of student learning. On the other hand, obstacles to implementation were shown to have a negative relationship with student accomplishment. The research emphasizes that technology-mediated formative assessment is more successful in some subjects, emphasizing the necessity to customize teaching methods for each subject’s requirements. The study revealed a positive correlation between student learning outcomes and the frequency of technology use, the types of digital tools used, and the perceived effectiveness of technology-mediated formative assessment. These results suggest ways to improve the use of technology and formative assessment in middle school instruction.

Given its insular geographic location, Taiwan inherently benefits from a natural advantage in developing its shipping industry, positioning it as a critical sector for the nation’s economic advancement. The shipping industry operates within a highly competitive maritime market, wherein ocean freight forwarders provide services on a global scale, thus classifying them within the international transportation and logistics industry. The global competition from logistics peers renders the services highly substitutable. This study breaks new ground by integrating the SERVQUAL scale with advanced methodologies such as the Analytic Hierarchy Process (AHP) and Decision-Making Trial and Evaluation Laboratory (DEMATEL) to assess and enhance service quality in the shipping industry. By segmenting the five dimensions of SERVQUAL, the study delineates 19 specific evaluation indicators. The expert questionnaires developed and analyzed through AHP and DEMATEL reveal a previously unidentified link between specific service quality dimensions and customer satisfaction. The findings from this analysis offer crucial insights into the critical success factors (CSFs) of service quality and their causal interrelationships, thereby establishing a model for service standards. By leveraging the identified CSFs and understanding the causal relationships among these key factors, ocean freight forwarders can enhance and optimize their value propositions and resources. This proactive approach is expected to significantly improve service quality, fortify core competitiveness, and elevate customer support and satisfaction levels, ultimately leading to an increased market share and ensuring sustainable business operations.

The Middle East and North Africa (MENA) region faces unique challenges and opportunities in integrating sustainability into sovereign credit assessments. This research study examines environmental, social, and governance (ESG) factors embedded in the lending policies of jurisdictional institutions in MENA. By analyzing existing literature and case studies, we identify key drivers and barriers to ESG integration in sovereign lending. Our findings suggest a growing recognition of sustainability’s importance in financial stability and credit, driven by global climate guarantees and local socio-economic development. However, challenges such as data availability, regulatory frameworks, and market acceptance persist. This paper provides an overview of current practices, highlights best practices, and offers recommendations to enhance ESG integration in sovereign debt reviews in the MENA region. The study concludes that a robust ESG framework is necessary to accurately reflect the long-term risks and opportunities associated with sovereign debt, ultimately contributing to sustainable economic growth regionally.

Poverty, as a phenomenon, remains an obstacle to global sustainable development. Although a universal malaise, it is more prevalent in underdeveloped countries, including Nigeria. However, because of its devastating impacts on the Nigerian economy, such as increasing death rates, high crime rates, insecurity difficulties, threats to national cohesion, and so on, successive administrations have implemented poverty alleviation programs to mitigate the consequences of this disease. Worryingly, despite a multiplicity of projects and massive human and natural resources invested to match global standards, Nigeria remains impoverished. The curiosity at how these programs fail, either because of implementation hiccups or because elites’ wealth and power influence these programs spurred the paper to assess poverty alleviation policies and elitist approaches in Nigeria. The study employed the desk study approach, as it examined secondary sources such as books, journals, articles, and magazines. Its theoretical underpinning was the elite theory. The paper discovered that several factors such as corruption, the elitist nature of the policies which in disguise reflect public interests, lack of continuity, lack of coordination and monitoring system, misappropriation of public resources, and others, led to the poor performances of government in alleviating poverty in Nigeria. The paper concludes that, while the rate of poverty index in Nigeria rises year after year, poverty alleviation efforts in Nigeria have had little or no influence on the Nigerian economy, since most of these projects are purely reflective of the elites’ interests rather than the masses. Therefore, the paper recommends that for there to be a reduction in poverty incidence in Nigeria, a holistic developmental approach should be adopted, the policies formulated and implemented should sync with the needs of the citizens, and quality and viable programs should be sustained and financed irrespective of change in government; public accountability should be instilled; proper coordination and monitoring system should be domesticated, etc.

Political representation is responsible for choices regarding the supply and the management of transport infrastructure, but its decisions are sometimes in conflict with the will and the general interest expressed by citizens. This situation has progressively prompted the use of specific corrective measures in order to obtain socially sustainable decisions, such as the deliberative procedures for the appraisal of public goods. The standard Stated Choice Modelling Technique (SCMT) can be used to estimate the community appreciation for public goods such as transport infrastructure; but the application of the SCMT in its standard form would be inadequate to provide an estimation that expresses the general interest of the affected community. Hence the need to adapt the standard SCMT on the basis of the operational conditions imposed by deliberative appraisal procedures. Therefore, the general aim of the paper is to outline the basic conditions on which a modified SCMT with deliberative procedure can be set up. Firstly, the elements of the standard SCMT on which to make the necessary adjustments are identified; subsequently, modifications and additions to make to the standard technique are indicated; finally, the contents of an extensive program of experimentation are outlined.

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.