The purpose of this article is to address two questions that will aid researchers in understanding FinTech’s inception, development, and potential impact on the stability of the financial system. First, it explains why financial technology is a current phenomenon. While many of the underlying technology for FinTech breakthroughs have been around for some time, it is only recently that financial institutions and entrepreneurs have begun to apply them to financial goods and services. Supply and demand factors in "conventional" financial innovation have been studied, and they have been found to converge, leading to a high rate of innovation. And second, this article explains why FinTech is being covered in greater depth than other types of innovation. This study introduces the concept of "depth" of innovation as a means of answering this question. The more fundamental the innovation, the more it will affect the financial sector. In this paper, we demonstrate that many recent developments in the field of financial technology (FinTech) are truly revolutionary advances, with far-reaching implications for the financial services industry. In addition to the benefits of more adaptability, higher transformational potential might bring increased risk to economic security.

The aim of innovations in road safety is to contribute to better protection of road users and to minimize damage to their property. The main objective of the article is to identify disparities in the perception of an innovation element in road safety by road users based on their type of employment and the number of kilometers driven per year. The research will evaluate the attitudes of selected groups of road users based on the number of kilometers driven in a calendar year and whether driving a motor vehicle is their main job duty. The analysis involved 239 respondents using a paper questionnaire. Disparities in the perception of innovations in road safety were evaluated using contingency tables, chi-square tests, non-parametric tests, and Cramer's V. Road users feel much safer with a front braking light when crossing traffic of vehicles and pedestrians (71%); at pedestrian crossings (74%); when turning left (63.4%); as well as when crossing traffic of multiple vehicles (62.5%). Disparities among respondents based on the type of employment of the road user were not confirmed. Conversely, road users with a higher number of kilometers driven per year have a more positive perception of the innovation element at pedestrian crossings.

Digital transformation of agriculture can support economic growth and food and nutri-tion security in Africa. This study provides an overview of the status of digital agriculture in five west African countries, analyzing their efforts in developing the enabling environment and inno-vations while formulating recommendations based on the identified gaps for the effective trans-formation of the sector. Information was retrieved through a literature search from various sources, including web pages and databases of national agricultural and digital transformation institutions and start-ups of the five target countries (Benin, Burkina Faso, Côte d'Ivoire, Ghana, Nigeria) and regional/international institutions. There have been increasing agri-digital initia-tives in the five countries, which were grouped into seven categories based on their objectives. Steady progress was also observed in mobile internet adoption, despite the differences in deploy-ing crucial infrastructure to promote digital agriculture. The mobile connectivity index (MCI) in all five countries is below 60. Nonetheless, Ghana and Cote d'Ivoire demonstrated more efforts in internet and electricity access, especially in rural areas. Benin and Nigeria have developed sep-arate documents depicting the roadmap for Digital Agriculture, while the other countries are working to create one or have it embedded in their national development plans. Similarities and specificities exist among countries for laws and processes protecting Agri-digital innovators. To be competitive and self-reliant in the global e-economy, these countries must reposition them-selves to accelerate changes in digital agriculture through effective governance and synergy of actions in different sectors and across nations.

Addressing the urgent sustainability challenges in the wine industry, this study explores the efficacy of sustainability-oriented innovations (SOIs) and smart farming technologies (SFTs) across wine value chains in Cyprus and Italy. Employing KPIs for a rigorous assessment, the research delves into the environmental, economic, and social impacts of these technologies. In Cyprus (SIP7), the integration of digital labelling and smart farming solutions led to a substantial reduction in pesticide usage by up to 75% and enhanced the perceived quality of wine by an average of 8%. Italy's SIP10 witnessed a 33.4% decrease in greenhouse gas emissions, with an additional benefit of a 5.3% improvement in intrinsic product quality. Notably, SIP10 also introduced a carbon credit system, potentially generating an average annual revenue of €4,140 per farm. These findings highlight the transformative potential of SOIs and SFTs in promoting sustainable practices within the wine industry, demonstrating significant advancements in reducing environmental impact, improving product quality, and enhancing economic viability. The study underscores the critical role of innovative technologies in achieving sustainability goals and provides a compelling case for wider adoption within the agricultural sector.

In the process of climate change mitigation and adaptation, the focus on climate risk driven by transition innovations has received widespread attention from governments, regulators, and investors. Based on the identification of low-carbon patents through the Green and Low-carbon Technology Inventory in China, this study constructs low-carbon innovation measurements of listed firms in China from 2015 to 2021. Then, an empirical model is used to investigate the impact and mechanism of climate transition innovations on the default risk. The baseline regression model shows that low-carbon innovations can mitigate the default risk of listed firms. Moreover, our findings are supported by instrumental variable regressions that use the time costs of innovation. Finally, the mediation effect demonstrates that investor attention, total factor productivity, and technology spillovers are paths through which transition innovations can affect the default risk. This study reveals that low-carbon technological advances have a positive effect on climate transition risks.

The pace of implementation of renewable electricity storage in Europe is disappointingly slow. Several factors influence it, but there is a need to speed up the rate and increase the volumes in order to promote a 100% transition to renewable energy resources, expand the practice of using renewable energy, and contribute to the improvement of the user's quality of life. Also, an important factor is significantly reducing the global impact on the environment and climate change. Electricity from renewable energy sources such as solar and wind has a seasonal nature that cannot provide the necessary electricity consumption and cover peak loads. Also, the so-called "energy resource crisis" is a very topical problem at the moment, which reinforces the global need to increase the share of renewable energy resources in the overall balance of primary energy resources. It is precisely the wider integration of renewable electricity storage in practice that can help stimulate this. The availability of renewable electricity is constantly increasing and the level of technological innovation is rapidly developing, therefore it is valuable to analyze, look for connections and at the same time the main differences in the ways of accumulation in order to promote its availability from a private house to the national and European scale as a whole. Therefore, this article analyses and compares the different options for renewable electricity storage, from small batteries to large storage systems, arriving at the best solution according to needs, using analysis methods such as multicriteria decision analysis (MCDA) and TOPSIS. After comparing nine criteria, such as the amount of investment required, existing power density, efficiency, duration of operation and others, in both groups, it was concluded that lithium-ion batteries are currently the best solution among batteries, while in the group of large accumulation systems – pumped hydro storage.

Weighted Student Funding (WSF) systems have been implemented in various countries to give schools more autonomy over how to allocate their funding. School principals use funding to maintain school operations and foster innovation for achieving educational goals. However, despite the importance of this process, scholarly research has largely overlooked how principals make decisions about their financial resources. Accordingly, this study seeks to provide practical insights into the strategies used by one school by highlighting their staff’s perceptions about using their WSF to maintain school operations and spur innovation. Using a case study approach, we investigated a principal who effectively used a school’s WSF to transform a failing school into an innovative one. The findings revealed that the principal strategically implemented financial management mechanisms in a way that inspired teachers to deeply consider how a school's WSF can help achieve educational goals. The principal fostered consensus on the school's direction, encouraged innovation through hands-on experiential learning and strategic planning, and facilitated funding for innovative teachers by guiding proposal development. Insights into the shifting cultural and practical landscape of financial resource utilization within schools are discussed.

This study is grounded on evidence-based decision-making in the implementation of devolved functions in Kenya. Promulgation of the constitution of Kenya 2010 set stage for devolution of functions, power, resources, and representation closer to the people. The researcher applies principles of technology acceptance modelling to investigate the extrinsic factors, Perceived-Ease-Of-Use, Perceived-Usefulness, attitudes, behavioural-intention and actual use of Research findings, Innovations and Technologies. Furthermore, the researcher applies contingent valuation technique to investigate cost-benefit analysis of using research findings, innovations and technologies. Multi-stage cluster sample of 156 managers from ten counties, randomly distributed in the six devolved functions that were randomly selected, including: agriculture, county health service, early childhood education and village polytechnic, natural resources and environment, county administration and governance, and county public works and services, took part in this study. Building on basic statistical analysis, structural equation modelling was employed to explain the adoption process. Results proved that all TAM model constructs were decisive in the adoption process. Furthermore, managers were willing to pay extra to optimize decision making and for accrued benefits on service delivery. Findings from this study are critical for stimulating the uptake of research findings, innovations, and technologies in making informed decisions for improved service delivery.

Agriculture is the primary source of economic growth in many countries in West Africa. It provides food and livelihoods for the population. The purpose of this study is to review the digital agriculture status in five countries, namely Benin, Burkina Faso, Coˆte d’Ivoire, Ghana, and Nigeria. The study consisted of a bibliometric analysis using a database exported from the web of science through a well-defined search string. Additionally, the cases of digital technology deployment in the countries were assessed through a systematic review approach comparing the technologies used in the target countries. Representative articles from the bibliometric review published in the last five years were selected for the comparative analysis. The bibliometric analysis based on 3,249 publications revealed that the research interests have significantly increased since 2014. The top two countries in terms of authors’ nationality were Nigeria and Ghana, respectively. Climate change, Machine Learning (ML) and adoption were the hot topics of discussion. The digital agriculture survey showed that publications in Nigeria were focused on Internet of Things (IoT), Wireless Sensors Networks, blockchain, and Artificial Intelligence (IA) technologies. Ghana also has a strong interest in blockchain, AI, and big data, while Burkina Faso focused on IoT and AI. Cote d’Ivoire and Benin focused only on AI.

Objectives The aim of the study is to evaluate the effectiveness of extra virgin olive oil (EVO) and fruity oil for the treatment of gingivitis. Materials and Methods. A sample of 75 patients with gingivitis induced by plaque bacteria, over 18 years of age, was divided into three groups: a study group A with extra virgin olive oil, a study group B with fruity oil and a control group C. In the two study groups, Evo oil was administered as a mouthwash in patients with gingival inflammation. The protocol included a daily application of the product for 30 days, with three recalls 15 days apart. Clinical parameters of plaque formation and gingivitis - plaque index (PI), bleeding index (BI) were assessed at each recall and scored on a specific periodontal chart. The control group re-ceived no mouthwash treatment to normal daily oral hygiene procedures, and the same clinical parameters as the study group were evaluated. Data were evaluated using SPSS 27.0 software for Windows (SPSS Inc., Chica-go, IL, USA). Then, the pre- and post-treatment values of the groups were compared using the t-student test, set-ting P < 0.05 as the significance level. Results Comparison with the three groups showed that extra virgin olive oil was an adjuvant in the treatment of gingival inflammation, improving PI and BI. In group A, mean plaque index had a 48% reduction and bleeding index 64% reduction, after 30 days. In group B, the mean plaque index had a 35% reduction and a bleeding index reduction of 43%, after 30 days. Conclusion The collected data showed significant improvements in the formation of bacterial plaque and gingi-vitis. the exact mechanism of such treatment is still to be elucidated. As a result of this, further studies with a different sample of patients to those used and a comparison with other products need to be addressed to verify and demonstrate the antibacterial and anti-inflammatory effect of the components of this natural product.

Recently, the world has experienced severe food insecurity problems with most countries having inadequate access to affordable, nutritious and safe foods. Consequently, many food innovations and technologies have been approved to secure sustainable access to food for millions of people. This study investigated the implementation of two technologies to address food insecurity, namely genetically modified foods (GMOs) and the use of antibiotics in crops and animal production. In particular, the study explored how their implementation can be governed responsibly through approved legislation. Therefore, the knowledge, attitudes and practices as well as the governance of antibiotic resistance risks and GMO foods were assessed. In-depth key interviews were conducted for the qualitative survey with triangulation with quantitative data sources. The findings showed that 46% of the population have little knowledge about GMOs with about 79% indicating that food with GM ingredients were being consumed in the country. The main concerns reported on GM foods by most respondents were impact on environment, human health and adverse effects on traditional farming practices with 36% indicating that it intensifies contamination and 32% indicating that it contributes to loss of biodiversity. Notably, 64%) reported that GMOs are a solution to food security and that they are safe. On the use of antimicrobials mainly meant to prevent diseases and access better markets, respondents perceived their use to be associated with antimicrobial resistance a “large level of risk” (score 2 in a scale of 1-3) (M = 1.85, SD = 1.06). Overall, the study found that efforts towards promoting awareness on antibiotic resistance risks and response in human health is relatively limited as reported by 56% of the respondents. Findings show that most of the respondents have only seen minimal or small-scale awareness campaigns. On governance of the two technologies, 71% and 50% of the respondents reported that scientists and elected officials respectively have the greatest role in governance of GMOs with small scale farmers playing a negligible role. Further, it was noted that all the respondents were knowledgeable in AMR and GMO technologies and these findings are crucial to the advancement of food innovations that are geared towards achieving food security in Kenya. This study highlights the risks associated with the poor governance and implementation of technologies and the need for a framework for technological risk governance that is sensitive to local values and socio-economic circumstances that will benefit the achievement.

Forest ecosystems provide diverse services and values that contribute to human well-being. Although high proportion of species is still undiscovered, tropical forests alone are thought to host more than 50% of the world’s biodiversity. Beyond supporting via direct use of products like timber, fiber and biomass energy, they play an important role in providing a wide range of ecosystem services such as regulating water flow and quality, water purification, improving infiltration, fresh water, erosion control, carbon sequestration and sedimentation control. They are one of the important parts of terrestrial and the largest carbon pool, occupying an integral position in the global carbon cycle. However, these days, deterioration of nature and forest biodiversity is a severe danger to the global environment. This will be accompanied by increased strains on food supply, causing increased pressure on already delicate ecological systems. Thus, better forest management strategies are necessary for managing forests sustainably. Nevertheless, little is known regarding the existing forest management approaches and their associated benefits and challenges. Multidisciplinary approaches are needed to achieve sustainable management of forests. These can be accomplished if suitable forest management innovations are put in place. Various technologies can also be adopted through applying different forest assessment tools like remote sensing using light detection and ranging technology (LiDAR) in forest management. Harnessing such technologies will definitely result in providing increased socio-economy as well as improved environmental sustainability. However, the speed of transformation depends much on level of commitment of stakeholders including policy makers. As a result, this review is intended to explore existing forest management innovations which are suitable both ecologically as well as socio-economically. This shows that while there is a lot to be improved, there are already developed forest management innovations that are already in use including PFM and MFM, which helps to achieve SFM.

The agricultural sector's progress towards climate neutrality is of great importance not only in the climate but also in the economic and social context. The agricultural sector is the 3rd largest emission-generating sector both in Latvia and Europe, and it directly and/or indirectly affects all other sectors. Climate-neutral agriculture is highly dependent on innovations that ensure maximum efficient farming, which not only reduces emissions but also ensures competitiveness in the market, but all of this is fundamentally influenced by well considered policies. Although the goals of the Green Deal are united, each country's situation must be thoughtfully considered individually to evaluate the best action plan for integrating the EU's common agricultural policy without reducing harvest. In addition, due to the complicated structure of the sector, it tends to be very difficult or even impossible to determine the real obstacles and mistakes that delay the progress of sustainable farming. Therefore, this research aims to create a system dynamics model using Latvia as a case study, which would not only provide an insight into the system’s structure but also identify the system's weak links and allow for the development of recommendations. The results could help policymakers in any country to make rational, non-controversial decisions simultaneously in the context of economic and Green Deal objectives. The results of the study demonstrate that to increase economic competitiveness and reduce emissions in agriculture, the most important aspect is the ability to invest in innovations and new technologies that would achieve not only the lowest emissions, but also the highest productivity and competitiveness in the market. It was found that by investing in the level of manure management it is possible to reduce GHG emissions in dairy farming by 8%, while by improving feed quality, manure management and thermoregulation all together, resulted in 60% GHG emission reduction. In addition, in a comprehensive improvement of the new innovations, the case study company managed to increase milk yield by 69%.

The article was devoted to topics related to the courier market, electromobility and renewable energy sources. This is the direction in which the car market is currently heading. The current situation of transport in Poland and the electrification trends of the courier market in Poland and beyond were presented and discussed. The article presents the conducted research and analyzes it for a selected company, which at the same time constituted the achievement of the goal and the solution of the research problem. Much attention was focused on conducting AHP analysis and simulating route changes for selected regions. The study contains an introduction and a summary discussing the most important conclusions.

Forest education is pivotal for achieving the Sustainable Development Goals and promoting sustainable forest management in the face of global challenges. However, existing programs struggle to keep up with rapidly changing crises and uncertainties that contribute to deforestation and forest degradation. To address these challenges, integrating innovative approaches into forest education is crucial. This paper demonstrates the transformative use of a role-playing game as an innovative teaching method for integrated forest management. The game provides students with practical experience and a comprehensive understanding of landscape approaches, using the Congo Basin as a case study. Our research focuses on sustainable forest governance, stakeholder roles, and valuing natural assets and ecosystem services, supporting the transformation of economic, political, and social/cultural relationships at various scales. We highlight the potential of innovative forest education to foster sustainability, trigger critical thinking, resolve conflicts, and prevent costly forest losses.

Cotton is the most ubiquitous and profitable fiber with diverse industrial and domestic applications. Grown in over 100 countries, it has a global market value of about $40 billion and employs over 350 million people from fields to textile mills, contributing about 7% of total labor-force recruitment in developing economies. Cotton has an indeterminate growth habit and an extensive tap root system affected by soil physicochemical and environmental conditions. There is a consensus among experts that conventional cotton cultivation still has a long way to attain sustainability, which is essential if cotton will maintain its competitive edge over other natural and synthetic fibers like hemp, polyesters, and rayon. Despite several efforts already committed to growing cotton sustainably, sustainability has eluded cotton cultivation globally because of the intense farm inputs (freshwater, pesticides, and heavy-duty equipment) needs, especially in developing economies. Some of the technological advancements towards achieving the goal of sustainable cotton cultivation include the development of new varieties, improved irrigation and mulching and precision agriculture techniques, application of remote sensing and Unmanned Aerial Systems (UAS) combined with image processing, and the introduction of autonomous and multi-purpose robotic platforms for growing and harvesting cotton. This review attempts to evaluate the successes already achieved by stakeholders in moving cotton towards sustainable production and identify areas where efforts are still needed to reach sustainable production and improved profitability goals for cotton with projections for future research directions.

Alternative fuel vehicles, such as battery electric vehicles and hydrogen fuel cell vehicles, support the imperative to decarbonise the transport sector, but are not yet at a stage in their development where they can successfully compete with conventional fuel vehicles. This paper examines the influence of knowledge and persuasion on the decision to adopt or reject alternative fuel vehicles, underpinned by Rogers’ Diffusion of Innovations theory. A household questionnaire survey was undertaken with respondents in the Sutton Coldfield suburb of the United Kingdom city of Birmingham. This suburb was previously identified as having a strong spatial cluster of potential early adopters of alternative fuel vehicles. The results confirm that among respondents the knowledge of alternative fuel vehicles was limited and perceptions have led to the development of negative attitudes towards them. The reasons largely relate to three problems: purchase price, limited range, and poor infrastructure availability. The majority of respondents have passively rejected alternative fuel vehicles, such that they have never given consideration to adoption. This confirms that a concerted effort is required to inform the general public about alternative fuel vehicles.

The growing dependence on large language models (LLM)s highlights the urgent need to deepen trust in these technologies. Regular, rigorous validation of their expertise, especially in nuanced and intricate scenarios, is essential to ensure their readiness for clinical applications. Our study pioneers the exploration of LLM utility in the field of cardiology. We stand at the cusp of a transformative era where mature AI and LLMs, notably ChatGPT, GPT-4, and Google Bard, are poised to influence healthcare significantly. Recently, we put three available LLMs, OpenAI's ChatGPT-3.5, GPT-4.0, and Google's Bard, to the test against a significant Polish medical special-ization licensing exam (PES). The exams cover the scope of completed specialist training, focusing on diagnostic and therapeutic procedures, excluding invasive medical procedures and interven-tions. In our analysis, GPT-4 consistently outperformed the others, ranking first, with and Google Bard and ChatGPT- 3.5 following, respectively. The performance metrics underscore GPT-4's no-table potential in medical applications. Given a score improvement of over 23.5 % between two AI models released just four months apart, clinicians must stay informed and up-to-date about these rapidly evolving tools and their potential applications to clinical practice. Our results provide a snapshot of the current capabilities of these models, highlighting the nuanced performance dif-ferences when confronted with identical questions

Construction Design Management (DM) involves the coordination of design process and activity to ensure quality project design, yet it involves many challenges. This work reports on a collaborative Knowledge Transfer Project (KTP) that tackled several challenges faced by construction design management practitioners. Employing a design science research methodology (DSRM), qualitative analysis of semi-structured interviews with purposively identified design managers first uncovered real world concerns around design coordination, and designer performance monitoring. Then to address these concerns, a web-based design management prototype dashboard was developed which uses typical project data to aid the management of design coordination activity and facilitate design management task prioritization and reporting functionalities. By digitalizing selected design management processes to improve efficiency, and productivity, the visual reporting capability of the dashboard enables design production to be monitored at project and portfolio levels; trends in designer performance to be assessed and focus to be retained on technical queries (TQs) and requests for information (RFIs). By reporting on the development of this web-based Design Management prototype dashboard and illustrating how it can enhance design management productivity in construction firms, this work also provides further evidence of how employing a design science research methodology in construction can produce practical solutions that address real world construction concerns.