Impact Of Technology Research Articles

Effect of Fintech on Sustainable Development Goals: An Empirical Analysis

Abstract This paper empirically examines the impact of financial technology (FinTech) and financial inclusion on sustainable development goals (SDGs). The adoption of FinTech has a significant positive effect on key SDGs in developing nations. Specifically, FinTech contributes to reducing income inequality and poverty, while promoting gender equality, access to basic sanitation, clean energy, and education. Additionally, the increasing adoption of FinTech is linked to overall economic growth. To address potential biases from heteroscedasticity and endogeneity, we conduct robustness checks using simultaneous equation modeling and Poisson pseudo-maximum likelihood estimations. Our findings confirm that the benchmark results are robust. JEL Codes: O1, O19, O20, Q01. Keywords: Sustainable Development Goals, SDG, Fintech, Financial Inclusion, Pseudo – Poisson Maximum Likelihood (PPML), Simultaneous Equations Model (SEM).

Case Studies and Parametric Analysis of Heliostat Performance with a Tradeoff-informed Technoeconomic Analysis Metric

Abstract The Heliostat Consortium (HelioCon) was launched in 2021 to advance heliostat technology. This work presents a collection of baseline case studies for the technoeconomic analysis (TEA) of candidate heliostat improvements for concentrating solar power (CSP) and concentrated solar thermal (CST) systems that employ central receivers. The case studies we develop include a large-scale CSP plant, a smaller, modular CSP plant, and a small CST plant used for industrial process heat. In this work, we propose a novel metric for TEA of a plant component technology that recasts relative changes in levelized system costs into component-specific capital cost budgets. This measure, which we refer to as the equivalent breakeven installed cost, is the maximum budget for the technology component that leads to improved levelized costs. Finally, we perform a parametric analysis to show the impact of candidate technologies on levelized cost of heat and, by extension, equivalent breakeven installed cost.

Augmenting supply chain resilience through AI and big data

PurposeNatural calamities like earthquakes, floods and epidemics/pandemics like COVID-19 significantly disrupt almost all the supply networks, ranging from medicines to numerous daily/emergency use items. Supply Chain Resilience is one such option to overcome the impact of the disruption, which is achieved by developing supply chain factors with Artificial Intelligence (AI) and Big Data Analytics (BDA).Design/methodology/approachThis research examines how organizations using AI and BDA can bring resilience to supply chains. To achieve the objective, the authors developed the methodology to gather useful information from the literature studied and developed the Total Interpretive Structural Modeling (TISM) by consulting 44 supply chain professionals. The authors developed a quantitative questionnaire to collect 229 responses and further test the model. With the analysis, a conceptual and comprehensive framework is developed.FindingsA major finding, this research advocates that supply chain resilience is contingent upon utilizing supply chain analytics. An empirical study provides further evidence that the utilization of supply chain analytics has a positive and favorable effect on the flexibility of demand forecasting to inventory management, resulting in increased efficiency.Originality/valueFew studies demonstrate the impact of advanced technology in building resilient supply chains by enhancing their factors. To the best of the authors' knowledge, no earlier researcher has attempted to infuse AI and BDA into supply chain factors to make them resilient.

Research on Cooperative Learning in College English Listening Course Empowered by Digital Intelligence

With the rapid development of information technology and the continuous integration of the global economy, the digital era has arrived, which has had a profound impact on educational models. The introduction of the digitally empowered cooperative learning model in college English listening course not only enriches teaching methods but also enhances students' independent learning abilities and teamwork skills. This research paper delves into the integration of digital intelligence in the enhancement of cooperative learning within college English listening course. The study aims to explore the impact of digital tools and technologies on the efficiency and effectiveness of English listening instruction, focusing on the collaborative learning process among students. The research underscores the trans-formative potential of digital intelligence in empowering cooperative learning in college English listening course. By leveraging the strengths of technology, educators can create more interactive, adaptive, and student-centered learning experiences that enhance language proficiency and prepare students for the demands of the digital age.

Blockchain Espousal in Legal Compliance with Corporate Governance

There is much exhilaration about blockchain technology in practically every business, including financial, and significant investments are being made worldwide. In order to uncover critical criteria for blockchain espousal in corporate governance, we undertook a systematic examination of a sample of 52 articles (10 industrial and 42 academics) through a preliminary research period from 2012 to 2020. We perform textual and empirical research to build a paradigm for decentralised autonomous governance. Additionally, we relate classic corporate governance theories to blockchain espousal using this framework. Our research also focuses on how blockchain technology may be used to improve the way corporations are run, now and in the future, as well as its possible consequences. By doing a systematic study and conducting an analysis of the text, we uncovered other gaps in the earlier academic and industrial literature and common tendencies. In addition, as part of our empirical research, we are compiling a one-of-a-kind blockchain investment database to make future investment projections. In addition, in the course of and after the COVID-19 conference, we researched the many ways blockchain technology may be used to improve corporate governance. According to our findings, previous academic publications prefer to concentrate on regulation and Initial Coin Offerings (ICOs). In contrast, previous publications in the sector have focused on exchanges and cryptocurrencies. Final thoughts on the impact of blockchain technology on corporate governance from the perspectives of behaviour, law & regulatory requirements, ethical considerations and managerial practices.

Impact of bank financial technology on the performance of banks in the European Union

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.

Ensuring Cybersecurity in Action Electronic Commerce Enterprises in the Conditions of Implementation of the Sustainable Development Model

Objective: The article analyzes modern trends and prospects for the development of e-commerce enterprises in the modern digital world in the conditions of implementation of the sustainable development model. Theoretical Framework: The main attention is paid to the issues of ensuring the cybersecurity of the work of such enterprises, taking into account the active development of digital technologies, including and in the field of cyber fraud. Method: The following were the main research methods in the work: content analysis, generalization, description, forecasting, statistical methods. Results and Discussion: The prerequisites for the creation and features of the functioning of e-commerce enterprises were specified, the impact of digital technologies on individual business processes of such enterprises, including primarily their marketing activities, was described. The article also identifies the reasons for the importance of e-commerce enterprises forming their own information security systems, and describes the role of such systems in ensuring the effective operation of these economic entities in the conditions of implementation of the sustainable development model. Research Implications: Accordingly, the main directions of ensuring the reliability of the cyber protection system of e-commerce enterprises in the modern world were also analyzed and determined. Originality/Value: Special attention was paid to the study of modern trends in cyber protection in the world, the forecast of the further development of cyber fraud in the economic sphere.

Didactic video game prototype with recognization of geometric figures in augmented reality

The goal is to offer an educational and entertaining experience through pattern recognition and with the help of Artificial intelligence (AI) and Augmented reality (AR), classified in 2D and 3D that encourages the learning of geometric figures while playing. Technology has made students active participants who can manipulate and explore figures in a virtual environment. It encourages a deeper understanding, as they can see how the shapes interact with each other and with their environment (Toledo, 2017). However, there is still a world to investigate with the behavior demonstrated by 3rd grade primary school students. The pedagogical methodology of Local Theoretical Models (LTM) and the Prototyping methodology that is used to design and develop software systems or applications by building simplified and experimental versions. Currently you can get easy access to Software that helps create video games. Beginning to consolidate theoretical and cognitive knowledge that benefits stimulation in their learning and in attention, perception, interest, memory, thinking and reasoning with the help of AI and AR. The research helps 3rd grade primary school students understand the impact of technology to improve study and learning. The large number of applications implemented to strengthen the learning of basic level students has increased, converging between gaming technology and education, offering a new way to learn and practice mathematical skills in a fun and interactive way.

The Impact of Computer-aided Detection Technology in Adenoma Detection Rate Among Experienced Endoscopists in the Community Setting.

Adenoma detection rate (ADR) is a key quality metric in screening colonoscopies. An adenoma detection rate of greater than 30% reduces the incidence of colorectal carcinoma (CRC). Furthermore, studies have demonstrated an inverse relationship between ADR and the incidence of CRC. Computer aided detection (CAD) can improve ADR, but these studies have largely been in major medical centers. In this retrospective single center observational study, screening colonoscopies in average-risk patients were compared among 5 experienced endoscopists in the year before and the year after implementation of the CAD (GI Genius). Training for GI Genius was completed in December 2021 and the technology was implemented the beginning of January 2022. We evaluated the adenoma detection rate (ADR) for 1838 screening colonoscopies in 2021 (before CAD incorporation) and 2629 screening colonoscopies in 2022 (after CAD incorporation) to assess efficacy of AI-assisted colonoscopy. Our study demonstrates that the incorporation of CAD technology in a group of experienced endoscopists in a community setting significantly improved ADR. The ADR of the entire group increased significantly (p < 0.05) following the implementation of CAD technology. The improvement in ADR was attributed to an increased detection of small (<6 mm) polyps. The clinical significance of improved detection of small polyps is uncertain, and further investigation should be done on the economical benefit of incorporating an AI model in the community setting.

Genetic engineering in oncology based on CRISPR-Cas9 technology

Purpose of the study: analysis of modern scientific data on the molecular mechanisms of the CRISPR-Cas9 system in gene editing, advantages and disadvantages in cancer research and the development of new treatment methods. Material and Methods. A comprehensive electronic search of relevant published studies was conducted in the scientific databases PubMed/MEDLINE, ScienceDirect, Wiley and Google Scholar published between 2014 and 2024. The search was tailored to the specific requirements of each database based on the following keywords: CRISPR-Cas9, sgRNA, genome editing, cancer immunotherapy, CAR-T. The search yielded 487 studies on the topic of interest, of which 54 were used to write the literature review. Additionally, the article discretely highlights the importance and challenges of CRISPR-Cas9 in the production of genetically engineered T cells for potential use in treating certain types of cancer. Results. Accordingly, CAR-T (chimeric antigen receptor T-cell) therapy is widely used as one of the main components of immunotherapy in the treatment of leukemia, lymphoma and some solid tumors. The development of programmed single guide RNAs (sgRNAs) and new modifications of the Cas9 protein has made the technology flexible and universal. CRISPR-Cas9 is often used to modify T and NK cells by designing antigen receptors to improve their sensory circuits with complex functionality capable of recognizing and killing tumor cells. At the same time, delivery of the finished ribonucleoprotein (Cas9+sgRNA) complex into the cell avoids the constitutive processes of transcription and translation, which ensures the fastest possible gene editing. Conclusion. In this review, we reviewed the scientific evidence highlighting the promising impact of CRISPR technologies in cancer research and treatment. CRISPR-Cas9 is considered a unique and effective technology in the field of genetic and biomolecular engineering.

The Role and Impact of Information Technology in the World of Education in Indonesia

Technological developments impact various sectors, one of which is the education sector. Information technology has an important role and greatly impacts education in Indonesia. This study aims to determine the role and impact of information technology in Indonesia’s education world. This study used a qualitative research method with a descriptive approach. At the same time, the data collection technique was carried out using a literature study through exploration of journals, books and other information relevant to the study. The results of the study show that the role of information technology in education is as a source of information, a substitute for the human role in task automation, a means of increasing competence, educational infrastructure, education management and a means of presenting ideas. Meanwhile, the impacts that information technology has on education in Indonesia include that the information needed will be more quickly and easily accessed for educational purposes, innovation in learning is growing, the development of virtual classes or teleconference-based classes does not require the educator and students to be in one room, the administrative system in an educational institution will be easier and smoother due to the application of information and communication technology systems. Meanwhile, information technology in education has negative impacts, including violations of Intellectual Property Rights, because easier access to data causes plagiarism to commit fraud.

أثر تكنولوجيا المعلومات والاتصالات في تعزيز مشاركة المرأة اليمنية في التنمية في ضوء مؤشرات أهداف التنمية المستدامة 2030

The study aimed to determine the impact of information and communications technology on the participation of Yemeni women in development in light of the indicators of the Sustainable Development Goals 2030. To achieve the objectives of the study, the study depends on the descriptive analytical approach, where a non-random, intentional sample is used that depends on the criterion of women’s participation in development and represents the institutions and governmental bodies in the governorates of Sana’a &amp; Aden. A questionnaire was designed as a tool for collecting data and was distributed to the study sample, which numbered (230) individuals distributed among those entities participating in the study (215) valid questionnaires were retrieved that are capable of statistical analysis, Where the SPSS statistical program was used data analysis and hypothesis testing. The study reached to existence of a statistically significant effect of ICT in the participation of Yemeni women in development in the light of the indicators of SDGs of skills and costs dimensions and no impact of the infrastructure dimension. The results also showed significant impact on the impact of access to ICT on women's use of ICT regarding achieving SDGs. The study presented recommendations as enhancing the participation of Yemeni women in development by exploiting the opportunities provided by ICT in achieving SDGs by spreading awareness among Yemeni women of the importance of acquiring and developing their technological skills through various media to highlight the importance of technology in the economic, educational, cultural, health, community participation, decision support and other development fields.

The development of 'Petanque match statistics': an android-based application for petanque matches analysis

The accelerated pace of technological advancement necessitates that many disciplines align themselves with these developments, whether directly engaged in the process or not. The field of sports provides an illustrative example of the profound impact of modern technology on various disciplines. This research aimed to develop an Android-based statistical application, designated "Petanque Match Statistic," which was designed to analyze Petanque matches. The research and development (R&amp;D) methodology was employed to undertake six project stages. The application, constructed on the Kodular platform, offers real-time data capture, sophisticated statistical analysis, interactive visualization, and comprehensive performance reporting. The application was subjected to rigorous alpha and beta testing to ensure its accuracy, reliability, and usability. Following its deployment, user training and a support system were established. Continuous evaluation and user feedback facilitated ongoing improvements. The application significantly enhances match analysis, benefiting players, coaches, analysts, and fans by providing accurate, real-time data and comprehensive insights, thereby promoting the growth and development of the sport of petanque. Keywords: Android Application, Match Statistics, Statistical Analysis, Real-Time Data, Sports Technology

The Impact of Information Technology towards Logistics Performance

The Impact of Information Technology towards Logistics Performance

The impact of financial technology on employment: Protection or disruption?

This study examines the impact and underlying mechanisms of financial technology (FinTech) on corporate labor demand by utilizing microdata from Chinese listed companies between 2011 and 2019. The results indicate that FinTech significantly enhances firms' overall labor demand and demand for skilled labor. Mechanistic analysis reveals that FinTech alleviates firms' financing constraints, increasing research and development (R&D) investments, which subsequently stimulates labor demand. Heterogeneity tests have revealed that the impact of FinTech on firms' labor demand varies depending on their stage of growth, ownership attributes, and level of financial development in the regions in which they are located. Furthermore, we reveal that FinTech can concurrently increase labor demand for workers with varying skill levels and educational backgrounds and increase the share of labor income. We provide new insights with theoretical and practical implications for studying the intrinsic linkages between financial and labor markets.

Do Technical Implementations Help Physicians: An Evaluation of a New Procedure Documentation Tool on Provider Efficiency in the Electronic Health Record

Introduction. Provider time spent in the electronic health record (EHR) continues to increase, adding stress to an already demanding field. This study quantified the impact of a new EHR procedure documentation tool designed to reduce charting burden. Methods. This retrospective cohort study was conducted at the University of Kansas Health System and involved ambulatory physicians from all hospitals who were granted access to a new procedural documentation tool. Data on time spent per chart and clicks per chart per office visit were gathered from the hospital's EHR system. The cohort also completed a survey regarding their self-perceived efficiency in the EHR and charting burden. Results. The procedure documentation tool was used for 68% (25/37) of eligible procedures at one-month post-implementation. There was no significant difference in minutes per chart between the group that used the tool and the group that did not, although the group using the tool had lower charting time (median difference [MD] = 5.517; 95% CI, -0.283 to 13.317; p = 0.066). A similar trend was seen with clicks per chart, with an MD of 4 (95% CI, -3 to 11; p = 0.25). Conclusions. While the difference was not significant, this study achieved its goal of quantifying the impact of a health information technology (HIT) project and indicates the need for further examination of how to quantify future projects. It lays the groundwork for future evaluation of similar tools and studies.

Strategizing the industrial core of the national economy

Strategic provision of technological sovereignty and economic security for the long term are of the highest importance for any state. The availability of its own critically important technologies and high-tech production of products in priority economic areas increase the state’s resilience to external challenges and threats, as well as orient the economy towards the realization of national values and the interests of innovative development of emerging strategic opportunities. The formation of an industrial core as a vector for the implementation of a strategy to ensure technological sovereignty and economic security is a critically important strategic goal of Russia. At the national level, the need to strengthen and strategize the industrial core is confirmed, in which the industry should be based, not only ensuring stable dynamics of the national economy, but also stimulating its development focused on innovative priorities. However, the results of the strategic diagnosis indicate the existing imbalance in the sectoral structure of the national economy caused by premature processes of deindustrialization and primitivization of production capacities. The consequence of this is an increase in the negative impact of outdated technologies and organizational systems on the functioning and development of Russian industries. The study of the regulatory environment and methodological base of modern strategizing of priority industries in Russia conducted in this article indicates the presence of systemic errors in the preparation and implementation of strategic documents for long-term industrial development. In the article, the authors come to the conclusion about the imperfection and fragmentation of the applied methodology for the development and implementation of strategies for the development of industries, including errors of an essential, structural and methodological nature, or the lack of a methodology for strategizing in general. As a solution, the author proposes the use of industrial strategizing methodology, based on the theory of strategy and strategizing methodology of the Russian scientific school developed by the Center for Strategic Research at the Institute of Mathematical Research of Complex Systems and the Economic and Financial Strategy Department at Moscow School of Economics at Lomonosov Moscow State University, and has a number of advantages for the targeted development of industrial sectors and the formation of the industrial core of the national economy based on focusing on the search and implementation of strategic opportunities and the use of existing and newly created competitive advantages.

The transformative potential of blockchain technology in developing green supply chain: An evolutionary perspective on complex networks

Distrust is the main obstacle to the green transformation of the supply chain. Blockchain can rebuild trust among multiple participants by employing distributed information technologies. Based on complex network evolutionary game models, this paper tries to reveal the transformative potential of blockchain in promoting the green transformation of the supply chain. Simulation experiments with real electric vehicle data show that if adopting blockchain technology: i) the greenness of the supply chain can increase by 200% even without government policy intervention; by 75% when jointly optimizing the intensity of rewards and penalties; by 40% when exclusively adjusting the reward or penalty intensity; ii) the profits of both suppliers and manufacturers can be improved when they adopt green investment strategies, creating a “win-win” scenario. Besides, optimal government rewards and penalties are provided to accomplish various high levels of greenness in a blockchain supply chain network. This study not only quantifies the significant impact of blockchain technology on enhancing the greenness of supply chains, but also reveals the decision-making mechanisms of enterprises and government under varying degrees of greenness, providing theoretical guidance for enterprises and government to manage green blockchain supply chains.

Enhancing climate action in OECD countries: the role of environmental policy stringency for energy transitioning to a sustainable environment

Climate change affects the world economy, environment, and human well-being, jeopardizing overall sustainability. The escalating impacts of climate change emphasize the necessity to assess the moderating influence of environmental policy stringency (EPS) on the association of energy transition (ET) and GHG emissions from 1990 to 2020 across 36 OECD countries. Further, this study incorporates the direct impact of energy transition (ET), environmental-related technology (ERTs), green innovation (INV), and Gross Domestic Product (GDP) on GHG emission. For this purpose, study employs an extensive range of econometric techniques, including DOLS, FMOLS, CCR, and MMQR approaches to evaluate data attributes. The findings of MMQR demonstrate that interaction of ET*EPS contributes to lower GHG emissions from −0.271% to −0.300% across all quantiles (20th to 80th). This indicates that the implementation of environmental policies fosters adoption of energy transitions to mitigate the negative effects of climate change, particularly to reduce GHG emissions. Further, environmental-related technologies (ERTs) and green innovation (INV) decrease GHG emissions by 0.15%–0.13% and 0.967%–2.049%, respectively, across all quantiles, thus encouraging environmental sustainability. The heterogeneous effect of ERTs is due to varying levels of adoption of environmental technologies in sample countries. The findings highlight the crucial need for integrating environmental policy strictness and energy transition measures to effectively mitigate GHG emissions. It highlights the significance of adaptive, responsive policies that are in line with SDGs 7 & 13, which concentrate on sustainable energy practices and integrated climate action in OECD economies.Graphical

FOSTERING INNOVATION ECOSYSTEMS: THE ROLE OF KNOWLEDGE ECONOMY IN REGIONAL DEVELOPMENT

This study investigates the impact of the knowledge economy on regional economic development, focusing on the role of human capital, innovation, and collaborative networks in fostering growth. Employing a desk research on literature related to the topic, the research highlights the importance of education and skill development in enhancing economic performance. Key findings reveal that knowledge-based strategies, supported by academia-industry-government collaborations, significantly contribute to creating vibrant innovation ecosystems. The research acknowledges limitations, such as the scope of regions studied, and suggests future directions, including exploring the impact of digital technologies and policy interventions on regional disparities. The study's originality lies in its comprehensive approach to integrating the knowledge economy's principles into regional development strategies, offering insights for policy formulation and strategic planning to leverage intellectual assets and innovation for sustainable growth.