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.

In the process of forest recreation value development, there are some characteristics, such as large amount of investment capital, long financing recovery cycle and high potential risks, which lead to limited capital source and prominent financing risks. To achieve sustainable development, forest recreational value development enterprises must solve the financing dilemma, therefore, it is very urgent to identify the financing risk factors. The research constructed financing risk evaluation index system through WSR (Wuli-Shili-Renli) methodology (from affair law, matter principle and human art dimensions), taking S National Forest Park at Fujian Province as a case study, the analytic hierarchy process (AHP) and fuzzy comprehensive evaluation method were used for empirical analysis. The results showed that for the first level indicators, operational risk should be paid close attention to, followed by political risk and environmental risk. Among the secondary level indicators, policy changes, financing availability and market demand need attention, which are consistent with the result of field survey. Based on that, countermeasures were put forward such as the multiple collaborative linkage and effective internal control; reduction on operating costs and broaden financing channels; encouragement diversification of investment entities and improvement of financial and credit support; strengthening government credit supervision, optimizing financing risk evaluation, and building a smart tourism financing information platform, to reduce and control financing risks, then promote the development of forest recreation value projects.

Background: Despite China’s 1.4 billion population and massive investment in improving medical education, there is no transformational national or international course focused on emergency trauma care. In order to overcome recognized deficiencies, we developed an affordable knowledge and skills workshop called Essential Trauma Critical Care China (ETCCC). Methods: Pre-course and post-course MCQs were used to test knowledge and simulation scenarios quantified clinical competence. Structured feedback was obtained. To evaluate the effect of ETCCC on staff performance, we analyzed the clinical records and questioned resuscitation team peers for trauma patients requiring resuscitation room intervention in the 10 consecutive patients before and after the workshops. Results: During 2022–2023, five workshops were delivered to participants from six hospitals in two Chinese provinces. Cost per participant did not exceed US$125. Fifty-eight doctors and 37 nurses participated. For all delegates pre-course knowledge scores increased from mean 35% to 70% post-course. 99% (n = 82/83) participants reached the required standard in the post-course written test. Post-course skills tests scores were mean 67% for doctors and 84% for nurses. Nurses demonstrated significant improvements in the rate and quality of trauma history acquisition as well as triage skills after the course (all p < 0.01). Doctors scored significant improvement in the areas of leadership and teamwork, care of cervical spine, circulation assessment and fluid resuscitation (all p < 0.02). Conclusion: Essential Trauma Critical Care China (ETCCC) is the first economically developed medical educational tool shown to improve performance of emergency room staff. Its success may have relevance for trauma-care education in similar medium-resource environments.

Low-cost housing homeownership funding for junior staffers is challenging in private sector organisations, especially in developing countries. Motivating private sector investment in junior staffers’ homeownership via a developed expanded corporate social responsibility (ECSR) may promote achieving Sustainable Development Goal 11 (SDG 11). Therefore, the study investigates the role of the ECSR framework in improving Nigeria’s private sector junior staffers’ homeownership and achieving SDG 11. Data were collected via face-to-face interviews with selected participants in six of Nigeria’s geo-political zones. The study adopted thematic analysis to analyse the collected data. Six variables emerged from the 18 re-clustered sub-variables. This includes institutionalising ECSR in low-income homeownership, housing finance for junior staffers’ homeownership, and housing incentives and stakeholders’ participation for low-income earners. The research employed six variables and 18 sub-variables to develop the improved private sector’s junior staffers’ homeownership via ECSR and achieving SDG 11 (sustainable cities and communities) and their targets. The research presents a novel approach by attempting to integrate SDG 11 with Corporate Social Housing, an extension of corporate social responsibility, especially to align the SDGs with evolving perspectives on Expanded Corporate Social Responsibility in Nigeria.

The urban solid waste (USW) emanating from the increasing urbanisation calls for concern. Integrating cart pushers into the private sector participation (PSP) may bridge the lacuna in sub-urban planning and PSP truck inefficiencies, especially in developing countries. There is a paucity of studies concerning cart pushers’ role in sub-urban and issues hindering them from achieving Sustainable Development Goals (1 and 11) in developing countries. Thus, the study seeks to appraise cart pushers’ role in Nigeria’s sub- and urban areas, investigate their challenges, and propose measures to improve the achievement of the Goals by integrating them into PSP waste management systems. The researchers utilised a qualitative approach using face-to-face interviews and observation. The study covered seven of Nigeria’s major cities, including Lagos, Kano, and Abuja. Forty semi-structured interviews were conducted. The participants include selected waste managers, NGOs in waste-related matters, cart pushers, legislators, households, environment and housing experts, and solid waste government agencies/regulators. The researchers adopted a thematic approach to analyse the collected data and presented it in a theme pattern. Findings reveal that despite the significance of cart pushers to the three pillars of sustainable development, including stimulating support for potential employment creation and sustainable cities and communities in Nigeria, they face challenges in their daily operation. The study proposed a revised USWM policy, where the informal waste sector should be embraced and recognised with specific rules and regulations. This is germane to improve achieving SDGs 1 and 11. This study holds significant implications for USWM policymakers and other stakeholders in embracing and integrating cart pushers into the formal waste collection process supported by statutory regulations to enhance practice. Also, this concept will increase employment opportunities and improve achieving Goals 1 and 11 in Nigeria.