A legend at the bottom explains that red arrows indicate “Insignificant effect” and blue arrows indicate “Significant effect”. The model places a central rectangular block labeled “Load Capacity Factor”, surrounded by five rectangular blocks: “Fintech” at the upper left, “Renewable energy consumption” at the lower left, “Government Effectiveness” at the bottom, “Industrialization” at the lower right, and “Economic Growth” at the upper right. A blue arrow connects “Fintech” to the central block through a small block labeled “positive”. A red arrow connects “Renewable energy consumption” to the central block through a block labeled “negative”. A blue arrow links “Government Effectiveness” upward to the central block through a block labeled “positive”. A blue arrow connects “Industrialization” to the central block through a block labeled “negative”. A blue arrow labeled “U shape” links “Economic Growth” to the central block. The text at the top reads: Examining the impact of fintech, economic growth, renewable energy consumption, government effectiveness, and industrialization on Load Capacity Factor.