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21 pages, 886 KB  
Article
Person-Centered Exploration of Neonatal Intensive Care Unit Stressors and Social Support in Parenting Very Preterm Infants: A Cross-Sectional Study on Risks and Resources in Italy and Portugal
by Federica Vallone, Carmine Vincenzo Lambiase, Mariana Amorim, Susana Silva, Milton Severo, Francesco Raimondi and Maria Clelia Zurlo
Children 2026, 13(6), 832; https://doi.org/10.3390/children13060832 (registering DOI) - 18 Jun 2026
Viewed by 203
Abstract
Objective: Based on the Person-Centered Approach, this study targeted parents of very preterm (VPT) infants in Neonatal Intensive Care Units (NICUs) from Italy and Portugal. The primary aim was to classify parents by identifying latent classes of perceived risks (NICU stressors) and resources [...] Read more.
Objective: Based on the Person-Centered Approach, this study targeted parents of very preterm (VPT) infants in Neonatal Intensive Care Units (NICUs) from Italy and Portugal. The primary aim was to classify parents by identifying latent classes of perceived risks (NICU stressors) and resources (sources of social support). Potential specificities in class membership according to Country of Belonging and sociodemographic factors were also investigated. Methods: Overall, 303 parents (92 Italian; 211 Portuguese) completed a survey including sociodemographic factors, Parental-Stressor-Scale-NICU, and Multidimensional-Scale-of-Perceived-Social-Support. Data were analyzed by multigroup latent class analysis and multinomial logistic regression. Results: Three statistically valid and cross-country classes were identified and labelled as Class 1, Adjusted/Beneficial-and-Supported-System, Class 2, Stressed-and-Supported-System, and Class 3, Parental-Role-Alteration-with-Family-Supported-System. Portuguese parents were mainly grouped in Classes 1 and 2, while Italian parents were in Class 3. Men were less likely to belong to Classes 2 and 3, while older parents having another child were more likely to belong to Class 3. Conclusions: The experience of parents of VPT infants in NICUs is inherently challenging, yet identifying specific risk profiles featured by the unique nuances of stressors and sources of support while accounting for further factors (Country of Belonging, Gender, Age, Having another child) can foster the customization of interventions aimed at providing parents with the necessary resources for adjusting to this extremely demanding experience. Full article
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23 pages, 332 KB  
Article
Exploring Nonlinear Relationships Between Individual-Level Bank Customer Satisfaction and Revenue
by Cecilia Hermansson, Kent Eriksson and Carin Segerlind
J. Risk Financial Manag. 2026, 19(6), 397; https://doi.org/10.3390/jrfm19060397 - 30 May 2026
Viewed by 419
Abstract
This study examines the nonlinear relationship between customer satisfaction (CS) and both the levels and growth of customer revenue (CR) at the individual level in the banking sector. Utilizing a unique data on 19,054 Swedish bank customers (2013–2017), the analysis combines subjective satisfaction [...] Read more.
This study examines the nonlinear relationship between customer satisfaction (CS) and both the levels and growth of customer revenue (CR) at the individual level in the banking sector. Utilizing a unique data on 19,054 Swedish bank customers (2013–2017), the analysis combines subjective satisfaction measures with objective financial and demographic register data. Regression models test for diminishing returns at high satisfaction levels while assessing the persistence of these effects over a four-year period. The findings indicate that while CS is positively associated with both revenue level and revenue growth, the relationship with revenue level is nonlinear. Specifically, customers scoring 80–89 generate higher revenues than those scoring 90–100, providing weak evidence of a ceiling effect (at the 10% significance level) that is notably absent for revenue growth. Furthermore, CS explains less than 1% of revenue variation, highlighting the inherent limits of satisfaction-based revenue models. These ceiling effects are more pronounced among older, lower-income women without debt, whereas wealth has no observable impact. Finally, the nonlinear effects fade after one year, though gender remains a consistent moderator. These tentative findings suggest limited financial returns from maximizing satisfaction, thereby supporting the implementation of more differentiated customer segmentation strategies. Full article
(This article belongs to the Section Banking and Finance)
23 pages, 2460 KB  
Article
Determinants of Adopting Climate-Smart Agriculture Practices by Small-Scale Urban Crop Farmers in eThekwini Municipality
by Nolwazi Z. Khumalo, Melusi Sibanda and Lelethu Mdoda
Sustainability 2026, 18(10), 5207; https://doi.org/10.3390/su18105207 - 21 May 2026
Viewed by 525
Abstract
Climate change continues to threaten global food security. Climate-smart agriculture (CSA) offers a solution to addressing this challenge in urban agriculture (UA). This paper addresses a gap in the empirical literature on decision-making about the adoption of CSA practices by examining the determinants [...] Read more.
Climate change continues to threaten global food security. Climate-smart agriculture (CSA) offers a solution to addressing this challenge in urban agriculture (UA). This paper addresses a gap in the empirical literature on decision-making about the adoption of CSA practices by examining the determinants of CSA adoption among small-scale urban crop (SSUC) farmers in eThekwini (ETH) Municipality, South Africa. Grounded in a utility theory framework, the paper draws on 412 respondents (Cochran-estimated) from a multi-stage sample design across four wards, providing reasonable coverage of SSUC farmers in ETH Municipality. While the sample size is statistically representative of SSUC farmers in ETH Municipality, it is a single metropolitan case rather than universal. The results show strong complementarities among these CSA practices, for example, between OM and CD (r ≈ 0.70, p < 0.001) and M and CD (r ≈ 0.61, p < 0.001). The multivariate probit (MVP) model predicts that the socio-economic and institutional factors age, gender, marital and employment status, education, credit access, extension contact, land tenure, and location (distance from home to farm plots) (p < 0.05) were significant determinants of adopting CSA practices by SSUC farmers. The findings contribute to the global literature on the UA–CSA nexus, demonstrating that socio-economic and institutional factors shape the adoption of bundled CSA practices. While the findings underscore the need for integrated, custom, and UA context-specific policy and extension interventions to strengthen urban food system resilience, UA farmers, practitioners, researchers, and policymakers should apply these insights elsewhere with caution. Full article
(This article belongs to the Section Sustainable Agriculture)
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20 pages, 2497 KB  
Article
Design and Evaluation of a Compact VGG-Inspired CNN for Keyword Spotting in Resource-Constrained TinyML Systems
by Wilson Gustavo Chango, Mayra Barrera, Daniel Maldonado-Ruiz, Julio Balarezo, Marcelo V. Garcia and Geovanny Silva
Computation 2026, 14(5), 112; https://doi.org/10.3390/computation14050112 - 13 May 2026
Viewed by 956
Abstract
This paper investigates the design and evaluation of compact convolutional neural networks (CNNs) for keyword spotting (KWS) and acoustic event detection under the stringent constraints of the TinyML paradigm. The research expands upon traditional binary classification approaches by addressing a multi-class acoustic scenario [...] Read more.
This paper investigates the design and evaluation of compact convolutional neural networks (CNNs) for keyword spotting (KWS) and acoustic event detection under the stringent constraints of the TinyML paradigm. The research expands upon traditional binary classification approaches by addressing a multi-class acoustic scenario encompassing eight distinct categories: stop, no, go, yes, unknown, silence, noise_ambient, and noise_sudden. The primary objective is to evaluate the feasibility of deploying reliable acoustic detection systems on ultra-low-power microcontrollers for edge computing applications. To this end, five lightweight architectures were developed and benchmarked: AlexNet-Tiny, LeNet-Tiny, MobileNet-Tiny, VGG-Tiny, and CustomCNN-Tiny. The models were trained using Mel-spectrogram features and optimized through INT8 post-training quantization to facilitate embedded deployment. Hardware simulation was conducted targeting the XIAO nRF52840 Sense microcontroller (64 MHz, 256 KB RAM). Experimental results demonstrate that the Gold VGG-Tiny architecture achieves the highest classification accuracy (89.81%), while Silver MobileNet-Tiny provides the superior operational efficiency with the lowest inference latency (0.88 ms) and minimal energy consumption (14.4 µJ). Furthermore, the Bronze CustomCNN-Tiny model achieves the most reduced memory footprint (42.9 KB), highlighting its suitability for memory-constrained environments. Statistical validation using Cohen’s Kappa, Matthews Correlation Coefficient (MCC), and Area Under the Curve (AUC) confirms the robustness and reliability of the proposed models. The potential application of this system is motivated by acoustic monitoring for the early detection of high-risk situations, such as gender-based violence. Future work will focus on on-device physical validation and real-world deployment in wearable safety electronics. Full article
(This article belongs to the Section Computational Engineering)
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23 pages, 3478 KB  
Article
Community Perception and Mitigation Strategies for Macro Litter in Escravos Estuary, Southern Nigeria
by Amarachi Paschaline Onyena, Boluwatifemi Joshua Osunnibu, Kabari Sam and Akaninyene Joseph
Sustainability 2026, 18(10), 4842; https://doi.org/10.3390/su18104842 - 12 May 2026
Viewed by 479
Abstract
Macro litter is a global environmental challenge with ecological, social, and economic implications for coastal zones such as the Escravos Estuary in Nigeria. This study examined community perceptions and mitigation preferences using a structured survey administered to 161 residents of the Escravos Estuary. [...] Read more.
Macro litter is a global environmental challenge with ecological, social, and economic implications for coastal zones such as the Escravos Estuary in Nigeria. This study examined community perceptions and mitigation preferences using a structured survey administered to 161 residents of the Escravos Estuary. Results indicated that awareness levels were substantial, with most respondents (76.6%) recognising macro litter as a major environmental concern. Macro litter was widely perceived to impose negative livelihood impacts, particularly among fishing-dependent households, where damaged gear, reduced catch rates, and income loss were frequently reported. Business-related effects were also identified, with most respondents (78.4%) noting increased operational costs and reduced customer patronage (58.0%) associated with littered surroundings. Social perceptions reinforced these findings, with some respondents (59.3%) strongly agreeing that macro litter poses a present and future environmental risk. Most respondents (79.0%) acknowledged the daily impacts of macro litter on quality of life. Ordinal analyses indicated limited demographic differentiation in awareness levels, although gender demonstrated a weak association. These findings suggest that awareness and concerns were broadly distributed within the surveyed population. Community-driven strategies received strong support, as most respondents (96.9%) affirmed the effectiveness of cleanups and supported policies promoting reusable products over single-use plastics. Building on these findings, a phased implementation roadmap is proposed, integrating community mobilisation, livelihood-sensitive interventions, infrastructure strengthening, regulatory enforcement, and measurable monitoring indicators. Such locally grounded strategies are essential for reducing macro litter through participatory approaches in estuarine systems while enhancing socioeconomic resilience and environmental sustainability. Full article
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17 pages, 838 KB  
Article
Customer Satisfaction Level of Users of the Different Areas and Services of a Private Mid-Cost Fitness Center in Zaragoza
by Ander De Ara Aguirre, Manel Valcarce-Torrente, Oscar Villanueva-Guerrero, Rafael Albalad-Aiguabella, Elena Mainer-Pardos and Alberto Roso-Moliner
Adm. Sci. 2026, 16(5), 224; https://doi.org/10.3390/admsci16050224 - 12 May 2026
Viewed by 643
Abstract
Customer loyalty has become a critical factor for the sustainability of fitness centers amid growing industry competition, yet limited research has examined recommendation patterns across user profiles in mid-cost facilities. This study aimed to analyze customer recommendation in a mid-cost fitness center in [...] Read more.
Customer loyalty has become a critical factor for the sustainability of fitness centers amid growing industry competition, yet limited research has examined recommendation patterns across user profiles in mid-cost facilities. This study aimed to analyze customer recommendation in a mid-cost fitness center in Spain using the Net Promoter Score (NPS) and to identify factors associated with loyalty by gender, age, membership duration, and service usage pattern. A cross-sectional observational study was conducted with 102 adult members (63.7% women) who completed a self-administered questionnaire distributed via QR code. The NPS served as the primary outcome measure, complemented by open-ended questions on perceived strengths and areas for improvement. The center achieved a high overall NPS of +66.7, with 70.6% of respondents classified as promoters and only 3.9% as detractors. Women reported significantly higher NPS scores than men (p = 0.037), whereas no significant differences emerged by age, membership duration, or service usage pattern. Qualitative analysis revealed that instructor quality, service organization, and facility management were the primary drivers of recommendation. These findings support the utility of the NPS as a practical tool for assessing customer loyalty in fitness centers and underscore the role of service quality in shaping recommendation behavior. Full article
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15 pages, 753 KB  
Article
Managing Multiple Customer Interactions: Exploring Customer Reactions and Gender Differences in Response to Employee-to-Other Customer Interaction Quality in the Social Servicescape
by Youngsun Sean Kim, Bosul Yoo, Danni Wang, Se Jin Kim and Chanho Song
Tour. Hosp. 2026, 7(5), 131; https://doi.org/10.3390/tourhosp7050131 - 6 May 2026
Viewed by 326
Abstract
Cultivating high-quality interactions between customers and employees has become a central concern for both researchers and practitioners. However, most studies have primarily centered on examining and enhancing the quality and effectiveness of direct interactions between employees and customers. Building upon social influence theory, [...] Read more.
Cultivating high-quality interactions between customers and employees has become a central concern for both researchers and practitioners. However, most studies have primarily centered on examining and enhancing the quality and effectiveness of direct interactions between employees and customers. Building upon social influence theory, this study diverges by investigating how interactions among employees and other customers, along with their quality, impact the service perceptions of observing customers within the social servicescape. Using a 2 × 2 × 2 between-subjects experimental design with 384 participants, this study provides the first empirical evidence that the interaction quality among other social actors in a shared service environment significantly influences the perceived customer orientation and service quality for observing customers. Hypotheses were tested using multivariate analysis of variance (MANOVA). Importantly, this effect persists even when the observing customers themselves are not directly involved in the interactions with either the service provider or the other customer. Additionally, the study uncovers a noteworthy gender difference in how individuals respond to the quality of interactions between employees and other customers. Furthermore, the findings suggest that an observing customer’s prior emotional attachment to the service provider does not significantly interact with the effects of employee-to-other customer interaction quality, indicating that the underlying expectation for interaction quality in the social servicescape remains consistent regardless of the customer’s preexisting relationship with the service provider. Full article
(This article belongs to the Special Issue Customer Behavior in Tourism and Hospitality)
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16 pages, 693 KB  
Article
Trust and Accent: How Speaker Accent Influences Interaction with Humanoid Robots
by Carla Cirasa, Alessandro Sapienza, Filippo Cantucci, Daniela Conti and Rino Falcone
Appl. Sci. 2026, 16(9), 4342; https://doi.org/10.3390/app16094342 - 29 Apr 2026
Viewed by 539
Abstract
In the field of human–robot interaction (HRI), researchers have extensively examined the role of social robot characteristics and how these can influence human–robot relationships. In particular, the robot’s voice is one of the most studied aspects, with numerous studies focusing on specific features [...] Read more.
In the field of human–robot interaction (HRI), researchers have extensively examined the role of social robot characteristics and how these can influence human–robot relationships. In particular, the robot’s voice is one of the most studied aspects, with numerous studies focusing on specific features such as tone, frequency, pitch, and gender. The robot’s voice represents a powerful social signal, whose design can influence people’s affective evaluations and acceptance of robots. With regard to language, however, relatively few studies have investigated the role of a robot’s accent (native or foreign). This experimental study therefore explores the influence of native accent on trust in robots. The study was conducted on two different samples: 60 Italian participants and 37 Arabic participants. Participants listened to two robot presentations in their native language: one delivered with a native accent and the other with a foreign accent. After listening to both presentations, participants were asked to indicate which robot they trusted. The results showed a 77.3% preference for the robot speaking with a native accent, compared to 22.7% for the robot with foreign accent. These findings demonstrate that, regardless of the language (Italian or Arabic), accent significantly influences the choice to invest trust in the robot, supporting the similarity-attraction effect. Accent calibration thus emerges as a low-cost, high-impact parameter in socially assistive and commercial robotics. Since accent influences trust-based delegation, voice design should be strategically adapted in service, healthcare, education, and customer-facing contexts. Full article
(This article belongs to the Section Robotics and Automation)
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19 pages, 352 KB  
Article
Investigating Food Hygiene and Safety Practices as Determinants of Business Sustainability in Informal Food Vending
by Maasago Mercy Sepadi and Timothy Hutton
Urban Sci. 2026, 10(5), 223; https://doi.org/10.3390/urbansci10050223 - 23 Apr 2026
Viewed by 490
Abstract
Background: Informal Street food vending plays a vital role in urban food systems by supporting livelihoods and improving access to affordable meals. Despite this contribution, persistent food hygiene and safety challenges continue to threaten public health and business sustainability. Existing research largely frames [...] Read more.
Background: Informal Street food vending plays a vital role in urban food systems by supporting livelihoods and improving access to affordable meals. Despite this contribution, persistent food hygiene and safety challenges continue to threaten public health and business sustainability. Existing research largely frames hygiene as a regulatory compliance issue, with limited empirical attention to how hygiene practices are associated with enterprise performance. Guided by the Health Belief Model (HBM) and the Balanced Scorecard (BSC), this study examined the relationship between food hygiene and safety practices, behavioural compliance, and business sustainability among informal food vendors. Methods: A cross-sectional mixed-methods design was used, combining vendor interviews (n = 30) and structured stall observations (n = 30). Quantitative data were analysed using descriptive and inferential statistics. Qualitative data were thematically analysed. Results: Only 50% of vendors held a valid Certificate of Acceptability (COA), despite 83% reporting prior inspections. Vendors operating for over seven years were significantly more likely to be certified (χ2 = 8.23, p = 0.005), and certification was strongly associated with regulatory awareness (χ2 = 16.12, p < 0.001). Although 70% reported awareness and 77% prior hygiene training, gaps persisted in sanitation, pest control, and consistent hygiene practices. Compliance was significantly associated with gender and education level (p < 0.05), as well as business duration and inspection history. Female vendors and those with at least secondary education were more likely to practice good hygiene, including the use of protective gear (χ2 = 13.89, p = 0.008) and regular handwashing. Hygiene practices were also significantly linked to sustainability indicators aligned with Balanced Scorecard domains, including staffing levels, income categories, and operational duration (p < 0.05). Vendors employing more staff reported higher income, and visibly hygienic practices were associated with customer loyalty and repeat purchases, highlighting hygiene as both a public health requirement and a driver of business sustainability. Conclusions: The findings indicate that hygiene functions not only as a public health requirement but also as a strategic business asset. Integrating behavioural drivers with performance metrics offers a practical framework for designing interventions that strengthen both public health protection and the sustainability of informal enterprises. Full article
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12 pages, 1210 KB  
Article
The Efficacy of Local Versus Overseas Natural Environments in 360-Degree Virtual Reality Video for Improving Mental Wellness in Medical Students: A Retrospectively Registered Two-Arm Parallel Randomized Trial
by Muhammad Hizri bin Hatta, Farah Deena Abdul Samad, Siew Koon Chong and Suriati Mohamed Saini
Healthcare 2026, 14(8), 1087; https://doi.org/10.3390/healthcare14081087 - 20 Apr 2026
Viewed by 426
Abstract
Objective: This study aimed to compare the efficacy of immersive 360-degree Virtual Reality (VR) videos depicting local (Malaysian) versus overseas (Western European) natural environments on the mental health of medical students. The primary outcome was overall mental well-being (WHO-5), and the co-secondary outcomes [...] Read more.
Objective: This study aimed to compare the efficacy of immersive 360-degree Virtual Reality (VR) videos depicting local (Malaysian) versus overseas (Western European) natural environments on the mental health of medical students. The primary outcome was overall mental well-being (WHO-5), and the co-secondary outcomes were changes in anxiety, stress, and depression symptoms (DASS-21). Methods: A two-arm parallel randomized trial was conducted with 84 fourth-year and fifth-year medical students. Participants were randomized into two groups (n = 42 each) using a custom, gender-balancing minimization algorithm: Group 1 viewed local environments, and Group 2 viewed overseas environments. Each participant underwent two 15-min VR sessions spaced two weeks apart. Outcomes were measured at baseline (T0), after the first intervention (T1), and at the primary time point after the second intervention (T2). Data were analyzed using a repeated-measures ANOVA with Greenhouse–Geisser and Bonferroni corrections. Results: The VR intervention demonstrated a statistically significant improvement in well-being (p < 0.001, ηp2 = 0.380) and a significant reduction in anxiety (p < 0.001, ηp2 = 0.255) and stress (p < 0.001, ηp2 = 0.311) across all participants over time. No significant change was observed in depression scores (p = 0.122, ηp2 = 0.028). Notably, there were no statistically significant differences between the local and overseas groups for well-being (p = 0.399, ηp2 = 0.011), anxiety (p = 0.593, ηp2 = 0.005), stress (p = 0.945, ηp2 < 0.001), or depression (p = 0.546, ηp2 = 0.006). Conclusions: A two-session immersive VR nature intervention is effective for improving well-being and reducing anxiety and stress in medical students. The geographical familiarity of the environment did not significantly impact therapeutic effectiveness, suggesting that the restorative effects of virtual nature may generalize across different environmental and cultural contexts. Trial Registration: NCT07447310; retrospectively registered on 25 February 2026. Full article
(This article belongs to the Special Issue Virtual Reality in Mental Health)
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32 pages, 1457 KB  
Article
Hedonic Consumption and Niche Marketing in Luxury Floriculture: An Empirical Analysis of Affluent Consumer Behavior and Sustainability Preferences
by Luis A. Flores, Armida Patricia Porras-Loaiza, Craig Watters and Steve Skadron
Sustainability 2026, 18(8), 3720; https://doi.org/10.3390/su18083720 - 9 Apr 2026
Viewed by 823
Abstract
Using hedonic consumption theory (HCT) and a niche marketing strategy as analytical frameworks, our study examines consumer behavior in the luxury flower market, a swiftly growing segment of the global luxury goods industry. Adopting a nonexperimental, cross-sectional survey design, we collected primary data [...] Read more.
Using hedonic consumption theory (HCT) and a niche marketing strategy as analytical frameworks, our study examines consumer behavior in the luxury flower market, a swiftly growing segment of the global luxury goods industry. Adopting a nonexperimental, cross-sectional survey design, we collected primary data from 392 individuals from affluent households (defined as those with annual incomes exceeding $75,000, per standard demographic criteria) via purposive stratified sampling. Our questionnaire, which was reviewed by experts and tested in a pilot study, examined demographics, buying preferences, sustainability awareness, and hedonic motivations. The main findings show that most clients are well-educated women with substantial wealth. They care most about sensory, emotional, and symbolic qualities. Chi-square tests and logistic regressions robustly supported three hypotheses, gender disparities in appreciation, educational and sustainability awareness, and income influences on quality and variety emphasis, with descriptive evidence aligning with two further hypotheses regarding perceived supply shortages and sustainability preferences. The preferred places to buy include nurseries and high-end florists, suggesting opportunities for SMEs. Our study offers initial evidence supporting the application of HCT to perishable luxury floriculture among younger, educated, affluent consumers in North America. It underscores the hedonic appeal heightened by ephemerality and the potential influence of sustainability as a guilt-free enhancement, while indicating opportunities for niche marketing strategies through customization and sustainable sourcing. Our findings indicate opportunities for businesses aiming to reach comparable younger, educated, affluent demographics to fulfill unmet demand through sustainable sourcing, unique varieties, and customized experiences, which align with the SDGs. We conclude with a future research agenda. Full article
(This article belongs to the Special Issue Consumer Behaviour and Environmental Sustainability—Second Edition)
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20 pages, 1183 KB  
Article
Empowering Urban Women Street Vendors Through the Impact of Digital Payments: An Empirical Investigation in the Megacity of Delhi
by Gayatri Mallick, Sonia Singla, Suraj Kumar Mallick, Netrananda Sahu, Martand Mani Mishra and Ayush Varun
Economies 2026, 14(4), 119; https://doi.org/10.3390/economies14040119 - 6 Apr 2026
Viewed by 1247
Abstract
This article investigates whether increasing economic status through adopting digital payment capabilities in Delhi fosters economic and financial inclusion among urban women street vendors in Mahila Haat. Digital freedom is a new step forward in technology for everyone. Still, a woman not only [...] Read more.
This article investigates whether increasing economic status through adopting digital payment capabilities in Delhi fosters economic and financial inclusion among urban women street vendors in Mahila Haat. Digital freedom is a new step forward in technology for everyone. Still, a woman not only balances the social responsibilities of childbearing, caring for her children and family, and struggling with economic issues, health issues, and undernourishment, but can also balance the household job of street vending to increase self-esteem and financial independence. This research work conducted a sampling survey and applied the Kruskal–Wallis H-test with a p-value (0.05) significance level by evaluating 11 variables to investigate the relationship between the digital capabilities and economic independence of street vendors in Mahila Haat (a women’s market where the vendors are all women) in the Red Fort area of New Delhi. UPI systems were created using measurements based on a five-point Likert scale to analyze different levels of satisfaction in clusters of digital capabilities on digital platforms. Further, the ordinary least squares (OLS) method was used to estimate quality of life and social happiness in the context of digital empowerment. Digital payment systems positively influence women’s empowerment. Women vendors can adopt digital payment methods, making them economically independent. The positive relationship between women vendors and customer satisfaction before UPI use and after UPI use is also analyzed. This research will be helpful for both government and non-government organizations to provide financial assistance, informational awareness, skill development training, and advocacy for gender equality to increase women’s empowerment. Full article
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42 pages, 2799 KB  
Article
Customer Experience Quality and Its Marketing Outcomes in Banking: Evidence from Industry in Transition
by Tanja Džinić, Đorđe Ćelić, Viktorija Petrov and Zoran Drašković
Systems 2026, 14(3), 278; https://doi.org/10.3390/systems14030278 - 4 Mar 2026
Cited by 1 | Viewed by 1458
Abstract
Human–technology relationships have become core strategic capabilities and enablers of enterprise sustainability. Contemporary interactions between humans and technology are undergoing a profound transformation toward a more human-centric and value-oriented paradigm, aiming for Industry and Society 5.0, a shift that is particularly salient in [...] Read more.
Human–technology relationships have become core strategic capabilities and enablers of enterprise sustainability. Contemporary interactions between humans and technology are undergoing a profound transformation toward a more human-centric and value-oriented paradigm, aiming for Industry and Society 5.0, a shift that is particularly salient in banking. The influence of customer experience quality on the strategic foundations of enterprise management is being fundamentally redefined. The purpose of this research is to assess the influence of customer experience on marketing outcomes in the banking industry. To analyze the directions, strengths, and statistical significance of relationships, structural equation modeling (SEM) using partial least squares (PLS) was employed. The research model was tested on a sample of 616 valid responses from customers of banking services in Serbia. The research shows that customer experience positively impacts customer satisfaction, behavioral loyalty intentions, and word-of-mouth, making it a strong predictor of marketing outcomes. The moderating roles of gender, customer segment, and respondents’ regional affiliation were tested, identifying variables that moderate significant relationships between customer experience and marketing outcomes, unveiling detailed insights into demographic and segmentation disparities. The findings offer robust empirical support for managerial decision making in customer experience enhancement initiatives. Full article
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26 pages, 585 KB  
Article
From Branch to Digital: Modeling Customer Channel Preferences in Electronic Banking Services
by Silvia Ghita-Mitrescu, Ionut Antohi, Cristina Duhnea and Andreea-Daniela Moraru
J. Theor. Appl. Electron. Commer. Res. 2026, 21(2), 65; https://doi.org/10.3390/jtaer21020065 - 14 Feb 2026
Viewed by 1564
Abstract
The digital transformation of financial services has changed how customers interact with banks through electronic channels, yet the factors influencing channel choice between branch-based and digital banking are not entirely understood, especially in emerging European markets. This study investigates banking channel preferences over [...] Read more.
The digital transformation of financial services has changed how customers interact with banks through electronic channels, yet the factors influencing channel choice between branch-based and digital banking are not entirely understood, especially in emerging European markets. This study investigates banking channel preferences over three consecutive years (2023–2025) in Constanta County, Romania, quantifying how perceived bank technologization and sociodemographic characteristics are associated with the likelihood of digital banking adoption in the e-commerce context. Using repeated cross-sectional survey data from 785 respondents, we applied pooled and year-specific logistic regression models to evaluate temporal effects and estimate the predictive contribution of a composite perception measure (TechScore). Results show that although digital banking usage increased from 87.7% to 92.4%, time alone did not significantly predict adoption. Technologization perceptions consistently increased the odds of digital banking use, with stronger effects in 2025. Age and living environment were significant determinants, while gender and relationship length were not. As digital financial services mature, perceived bank technologization becomes increasingly influential in channel-use decisions. The study contributes to the electronic commerce and technology acceptance literature by demonstrating the importance of perception-based predictors in digital banking contexts and highlights how perception-based evaluation shapes channel choice in digital service platforms, offering insights applicable to electronic commerce contexts where providers compete across physical and digital channels. Full article
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18 pages, 1311 KB  
Article
Bayesian Causal Inference for Credit Default Risk
by Sello Dalton Pitso and Taryn Michael
Risks 2026, 14(2), 38; https://doi.org/10.3390/risks14020038 - 12 Feb 2026
Viewed by 1181
Abstract
Banks often assume that higher credit limits increase customer default risk because greater exposure appears to imply greater vulnerability. This reasoning, however, conflates correlation with causation. Whether increasing a customer’s credit limit truly raises the likelihood of default remains an open empirical question [...] Read more.
Banks often assume that higher credit limits increase customer default risk because greater exposure appears to imply greater vulnerability. This reasoning, however, conflates correlation with causation. Whether increasing a customer’s credit limit truly raises the likelihood of default remains an open empirical question that this work seeks to answer. We applied Bayesian causal inference to estimate the causal effect of credit limits on default probability. The analysis incorporated Directed Acyclic Graphs (DAGs) for causal structure, d-separation for identification, and Bayesian logistic regression using a dataset of 30,000 credit card holders in Taiwan (April–September 2005). Twenty-two confounding variables were adjusted for, covering demographics, repayment history, and billing and payment behavior. Continuous covariates were standardized, and posterior inference was performed using NUTS sampling with posterior predictive simulations to compute Average Treatment Effects (ATEs). We found that a one-standard-deviation increase in credit limit reduces default probability by 1.44 percentage points (94% HDI: [−2.0%, −1.0%]), corresponding to a 6.3% relative decline from the baseline default rate of 22.1%. The effect was consistent across demographic subgroups, with homogeneous treatment effects observed for age, education, and gender categories, and remained robust under sensitivity analysis addressing potential unmeasured confounding. The findings suggest that increasing credit limits can causally reduce default risk, likely by enhancing financial flexibility and lowering utilization ratios. These results have practical implications for credit policy design and motivate further investigation into mechanisms and applicability across broader lending environments. These estimates are explicitly interpreted as context-specific causal effects for a pre-crisis consumer credit environment, with external validity assessed conceptually rather than assumed. Full article
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