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.

The government’s increased cigarette tariff aims to lower smoking rates and avoid adverse impacts. This study’s goal was to offer process innovation for lowering Asian’ smoking behavior. The participants were chosen by stratified random selection from a total of 738 people residing in Pathum Thani Province, Thailand. The instrument was a questionnaire. A software programmer was used to examine descriptive and inferential statistics using EFA and one-way ANOVA techniques. A strategic framework guideline using a SWOT analysis and TOWS matrix to encourage smoking reduction was proposed. The findings revealed two components: smoking behavior change and continues smoking that were based on SWOT analysis and TOWs matrix. There were nine strategies for the excise department to consider for the adjustment of the next policy in terms of reducing the number of smokers. The practical and policy suggestions could help reduce the negative impact of the cigarette industry on public health and increase government revenue while addressing weaknesses and threats in the industry.

The problem of the current study is to study the moderating role of Blockchain technology on the impact of the use of financial technology (FinTech) on the competitive advantage of Jordanian banks. Quantitative analysis is appropriate. The study population consists of (600) employees in three banks at Jordan (Arab Bank, Islamic Bank, Ahli Bank) with its branches in various governorates. A questionnaire was developed to collect study data and distributed electronically. The number of participants was (240) respondents. The study confirms that there is an impact of the mediating role of Blockchain technology in the impact of the use of financial technology (FinTech) on competitive advantage. The study recommends increasing spending on financial technology applications to improve banking services provided to customers, especially through electronic applications and technologies. The study also recommends rebuilding current banking systems using Blockchain technology, which will remove the central database structure and replace it with a decentralized data environment via the blockchain, thus reducing the risk of database hacking. Since transactions via blockchain technology are verified by every node of the chain, it will make transactions more secure which will make the world’s banking systems faster and more secure.

A new method has been proposed to estimate top heat losses of vertical flat plate liquid/air collectors with double glazing. Empirical relations have been developed for the temperatures of glass covers, thus facilitating the calculation of individual heat transfer coefficients. The values of individual heat transfer coefficients therefore obtained can be used in the proposed analytical equation for the estimation of the top heat loss coefficient of the vertical collector with double glazing. The analytical equation has been developed for collector tilt angle of 60 to 90 degrees, plate temperature of 323 K to 423 K, absorber coating emittance of 0.1 to 0.95, air gap spacing of 20 mm to 50mm between the plate and inner glass cover, air gap spacing of 20 mm to 50mm between glass covers, wind heat transfer coefficient of 5 W/m2K to 30 W/m2K, and ambient temperature of 263K to 313K. The accuracy of the analytical equation has been validated for the said range of variables in comparison to numerical solutions, and the values of the top heat loss coefficient are found to be within 2.5 percent compared to numerical solutions.

There are numerous studies reported on the usage of the sapindus emarginatus (SE) fruit in cancer and other treatments in the past few years. In this study, crude SE fruit extract was prepared and it was further used to synthesis gold nanoparticles (Au Nps). The synthesized Au Nps were left embedded in the SE fruit extract. The Au Nps embedded in the SE fruit extract (SE-Au Nps) were characterized using UV-Visiable Spectroscopy, Centrifugal Particle Size analyzer (CPS), Scanning Electron Microscope (SEM) and Fourier Transform Infrared Spectroscopy (FTIR). MTT assay was carried out for both SE fruit extract and SE-Au Nps on MCF7 breast cancer cell line and thus compared. The UV-Visible Absorbance for the SE-Au Nps was obtained at 543 nm. The centrifugal particle size analysis of the Au Nps embedded in SE fruit extract showed the size of the nanoparticles to be widely varying with higher fraction of particles between the size ranges of 15 to 20 nm. The morphology of the Au Nps embedded in SE fruit extract was observed using SEM. The presence of Au Nps in SE fruit extract was confirmed using FTIR. The results of the MTT assay on MCF7 breast cancer cell line proved that the % cell viability was less for SE-Au Nps than that of the SE fruit extract alone. Thus, the antiproliferative activity of the SE fruit extract was significantly enhanced by embedding it with Au Nps and it can be effectively used in therapeutic applications after further studies.

The scarcity of the insulators that are required for refrigeration has made it necessary to use locally available materials that can achieve the desired refrigeration. This work presents the performance evaluation of a refrigerator utilizing a locally available material, which is wood particles that have been converted to particle board, as one of its insulators. A vapor compression refrigeration system was designed and fabricated to chill and preserve agricultural products, which are eggs, yogurt, and tomatoes. The various temperatures at which the agricultural products became chilled were compared with their theoretical preservation temperatures obtainable in literature, thereby evaluating the performance of the refrigerator. The temperature of 11 ℃, which was recorded for the egg in the present experiment, is lower than the theoretical preservation temperatures of 18 ℃ to 21 ℃ for an egg. The temperature of 7 ℃, which was recorded for the yogurt, is approximately equal to its theoretical preservation temperature of 5 ℃. The temperature of 8 ℃, which was recorded for the tomato, is lower than the theoretical preservation temperatures of 7 ℃ to 10 ℃ of tomato. This work has revealed that wood particles have the potential to achieve refrigeration, as well as chill and preserve agricultural products.