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13 pages, 364 KiB  
Case Report
Racial Imposter Syndrome and Music Performance Anxiety: A Case Study
by Trisnasari Fraser
Behav. Sci. 2025, 15(8), 1057; https://doi.org/10.3390/bs15081057 - 4 Aug 2025
Viewed by 252
Abstract
The impact of cultural identity on music performance anxiety (MPA) is under-researched. This retrospective case study explores the treatment of a professional musician in her 30s who presented with MPA associated with performing music related to her estranged father’s cultural background. The case [...] Read more.
The impact of cultural identity on music performance anxiety (MPA) is under-researched. This retrospective case study explores the treatment of a professional musician in her 30s who presented with MPA associated with performing music related to her estranged father’s cultural background. The case formulation identified attachment ruptures and negative cognitions associated with her mixed cultural heritage that contributed to an experience of imposterism—referred to in lay literature as ‘racial imposter syndrome’ (RIS). It was hypothesized that RIS served to perpetuate her MPA. An attachment-based approach and Acceptance and Commitment Therapy framework was adopted, drawing on evidence-based treatment for MPA and mixed heritage individuals. The Depression Anxiety Stress Scale-21 (DASS-21), Outcome Rating Scale (ORS) and Session Rating Scale (SRS) were used as outcome measures. These measures fluctuated throughout the therapy. While improvements were observed in depression scores midway through treatment, elevated stress and depression scores at the conclusion of treatment were understood to reflect situational factors related to financial and housing precarity. Nonetheless, at the conclusion of treatment, the client showed improvement in managing MPA, evidenced by her progress in recording an album and reengagement with public performances. This case study adds to the limited research on treating MPA in racially minoritized and mixed-race individuals, Further research is required across larger and more diverse samples to better understand the relationship between MPA and RIS and to develop effective interventions. Full article
(This article belongs to the Special Issue Interventions for Music Performance Anxiety)
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20 pages, 1622 KiB  
Review
Behavioural Cardiology: A Review on an Expanding Field of Cardiology—Holistic Approach
by Christos Fragoulis, Maria-Kalliopi Spanorriga, Irini Bega, Andreas Prentakis, Evangelia Kontogianni, Panagiotis-Anastasios Tsioufis, Myrto Palkopoulou, John Ntalakouras, Panagiotis Iliakis, Ioannis Leontsinis, Kyriakos Dimitriadis, Dimitris Polyzos, Christina Chrysochoou, Antonios Politis and Konstantinos Tsioufis
J. Pers. Med. 2025, 15(8), 355; https://doi.org/10.3390/jpm15080355 - 4 Aug 2025
Viewed by 82
Abstract
Cardiovascular disease (CVD) remains Europe’s leading cause of mortality, responsible for >45% of deaths. Beyond established risk factors (hypertension, diabetes, dyslipidaemia, smoking, obesity), psychosocial elements—depression, anxiety, financial stress, personality traits, and trauma—significantly influence CVD development and progression. Behavioural Cardiology addresses this connection by [...] Read more.
Cardiovascular disease (CVD) remains Europe’s leading cause of mortality, responsible for >45% of deaths. Beyond established risk factors (hypertension, diabetes, dyslipidaemia, smoking, obesity), psychosocial elements—depression, anxiety, financial stress, personality traits, and trauma—significantly influence CVD development and progression. Behavioural Cardiology addresses this connection by systematically incorporating psychosocial factors into prevention and rehabilitation protocols. This review examines the HEARTBEAT model, developed by Greece’s first Behavioural Cardiology Unit, which aligns with current European guidelines. The model serves dual purposes: primary prevention (targeting at-risk individuals) and secondary prevention (treating established CVD patients). It is a personalised medicine approach that integrates psychosocial profiling with traditional risk assessment, utilising tailored evaluation tools, caregiver input, and multidisciplinary collaboration to address personality traits, emotional states, socioeconomic circumstances, and cultural contexts. The model emphasises three critical implementation aspects: (1) digital health integration, (2) cost-effectiveness analysis, and (3) healthcare system adaptability. Compared to international approaches, it highlights research gaps in psychosocial interventions and advocates for culturally sensitive adaptations, particularly in resource-limited settings. Special consideration is given to older populations requiring tailored care strategies. Ultimately, Behavioural Cardiology represents a transformative systems-based approach bridging psychology, lifestyle medicine, and cardiovascular treatment. This integration may prove pivotal for optimising chronic disease management through personalised interventions that address both biological and psychosocial determinants of cardiovascular health. Full article
(This article belongs to the Special Issue Personalized Diagnostics and Therapy for Cardiovascular Diseases)
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26 pages, 20835 KiB  
Article
Reverse Mortgages and Pension Sustainability: An Agent-Based and Actuarial Approach
by Francesco Rania
Risks 2025, 13(8), 147; https://doi.org/10.3390/risks13080147 - 4 Aug 2025
Viewed by 211
Abstract
Population aging poses significant challenges to the sustainability of pension systems. This study presents an integrated methodological approach that uniquely combines actuarial life-cycle modeling with agent-based simulation to assess the potential of Reverse Mortgage Loans (RMLs) as a dual lever for enhancing retiree [...] Read more.
Population aging poses significant challenges to the sustainability of pension systems. This study presents an integrated methodological approach that uniquely combines actuarial life-cycle modeling with agent-based simulation to assess the potential of Reverse Mortgage Loans (RMLs) as a dual lever for enhancing retiree welfare and supporting pension system resilience under demographic and financial uncertainty. We explore Reverse Mortgage Loans (RMLs) as a potential financial instrument to support retirees while alleviating pressure on public pensions. Unlike prior research that treats individual decisions or policy outcomes in isolation, our hybrid model explicitly captures feedback loops between household-level behavior and system-wide financial stability. To test our hypothesis that RMLs can improve individual consumption outcomes and bolster systemic solvency, we develop a hybrid model combining actuarial techniques and agent-based simulations, incorporating stochastic housing prices, longevity risk, regulatory capital requirements, and demographic shifts. This dual-framework enables a structured investigation of how micro-level financial decisions propagate through market dynamics, influencing solvency, pricing, and adoption trends. Our central hypothesis is that reverse mortgages, when actuarially calibrated and macroprudentially regulated, enhance individual financial well-being while preserving long-run solvency at the system level. Simulation results indicate that RMLs can improve consumption smoothing, raise expected utility for retirees, and contribute to long-term fiscal sustainability. Moreover, we introduce a dynamic regulatory mechanism that adjusts capital buffers based on evolving market and demographic conditions, enhancing system resilience. Our simulation design supports multi-scenario testing of financial robustness and policy outcomes, providing a transparent tool for stress-testing RML adoption at scale. These findings suggest that, when well-regulated, RMLs can serve as a viable supplement to traditional retirement financing. Rather than offering prescriptive guidance, this framework provides insights to policymakers, financial institutions, and regulators seeking to integrate RMLs into broader pension strategies. Full article
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19 pages, 1667 KiB  
Article
Carbon Footprint and Economic Trade-Offs in Traditional Greek Silvopastoral Systems: An Integrated Life Cycle Assessment Approach
by Emmanouil Tziolas, Andreas Papadopoulos, Vasiliki Lappa, Georgios Bakogiorgos, Stavroula Galanopoulou, María Rosa Mosquera-Losada and Anastasia Pantera
Forests 2025, 16(8), 1262; https://doi.org/10.3390/f16081262 - 2 Aug 2025
Viewed by 242
Abstract
Silvopastoral systems, though ecologically beneficial, remain underrepresented in the European Union’s Common Agricultural Policy and are seldom studied in Mediterranean contexts. The current study assesses both the environmental and economic aspects of five typical silvopastoral systems in central Greece, encompassing cattle, sheep, and [...] Read more.
Silvopastoral systems, though ecologically beneficial, remain underrepresented in the European Union’s Common Agricultural Policy and are seldom studied in Mediterranean contexts. The current study assesses both the environmental and economic aspects of five typical silvopastoral systems in central Greece, encompassing cattle, sheep, and goat farming. A Life Cycle Assessment approach was implemented to quantify greenhouse gas emissions using economic allocation, distributing impacts between milk and meat outputs. Enteric fermentation was the major emission source, accounting for up to 65.14% of total emissions in beef-based systems, while feeding and soil emissions were more prominent in mixed and small ruminant systems. Total farm-level emissions ranged from 60,609 to 273,579 kg CO2eq per year. Economically, only beef-integrated systems achieved an average annual profitability above EUR 20,000 per farm, based on financial data averaged over the last five years (2020–2024) from selected case studies in central Greece, while the remaining systems fell below the national poverty threshold for an average household, underscoring concerns about their economic viability. The findings underline the dual challenges of economic viability and policy neglect, stressing the need for targeted support if these multifunctional systems are to add value to EU climate goals and rural sustainability. Full article
(This article belongs to the Special Issue Forestry in the Contemporary Bioeconomy)
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14 pages, 287 KiB  
Article
Exploring the Link Between Social and Economic Instability and COPD: A Cross-Sectional Analysis of the 2022 BRFSS
by Michael Stellefson, Min-Qi Wang, Yuhui Yao, Olivia Campbell and Rakshan Sivalingam
Int. J. Environ. Res. Public Health 2025, 22(8), 1207; https://doi.org/10.3390/ijerph22081207 - 31 Jul 2025
Viewed by 187
Abstract
Despite growing recognition of the role that social determinants of health (SDOHs) and health-related social needs (HRSNs) play in chronic disease, limited research has examined their associations with Chronic Obstructive Pulmonary Disease (COPD) in population-based studies. This cross-sectional study analyzed 2022 Behavioral Risk [...] Read more.
Despite growing recognition of the role that social determinants of health (SDOHs) and health-related social needs (HRSNs) play in chronic disease, limited research has examined their associations with Chronic Obstructive Pulmonary Disease (COPD) in population-based studies. This cross-sectional study analyzed 2022 Behavioral Risk Factor Surveillance System (BRFSS) data from 37 U.S. states and territories to determine how financial hardship, food insecurity, employment loss, healthcare access barriers, and psychosocial stressors influence the prevalence of COPD. Weighted logistic regression models were used to assess the associations between COPD and specific SDOHs and HRSNs. Several individual SDOH and HRSN factors were significantly associated with COPD prevalence, with financial strain emerging as a particularly strong predictor. In models examining specific SDOH factors, economic hardships like inability to afford medical care were strongly linked to higher COPD odds. Psychosocial HRSN risks, such as experiencing mental stress, also showed moderate associations with increased COPD prevalence. These findings suggest that addressing both structural and individual-level social risks may be critical for reducing the prevalence of COPD in populations experiencing financial challenges. Full article
17 pages, 225 KiB  
Article
Exploring Emotional Safety and Harm Among Hospitalized Patients: A Qualitative Study of Patients’ and Providers’ Perspectives
by Afsha Khan, Dildar Muhammad, Najma Naz, Sabiha Khanum and Awal Khan
Healthcare 2025, 13(15), 1842; https://doi.org/10.3390/healthcare13151842 - 29 Jul 2025
Viewed by 215
Abstract
Background: Emotional safety is increasingly recognized as crucial for high-quality patient care, encompassing a patient’s sense of security, courteous treatment, being heard, and a peaceful environment. Purpose: The purpose of this study was to explore the perceptions of patients and providers (doctors and [...] Read more.
Background: Emotional safety is increasingly recognized as crucial for high-quality patient care, encompassing a patient’s sense of security, courteous treatment, being heard, and a peaceful environment. Purpose: The purpose of this study was to explore the perceptions of patients and providers (doctors and nurses) regarding emotional harm and safety in relation to hospitalized patients. Methods: We conducted a qualitative study in public-sector teaching hospitals in Peshawar, Pakistan. Data were collected after we obtained informed consent using individual interviews with 15 providers, namely, doctors (n = 7) and nurses (n = 8), and five focus group discussions (FGDs) with 25 hospitalized patients. Data from both the interviews and FGDs were analyzed using Braun and Clarke’s six-phase approach to thematic analysis. Results: The key themes revealed by the providers’ perspectives were factors contributing to emotional harm, staff-related factors, coping mechanisms and solutions, and the impact of prior experiences and involvement. The main themes that emerged from the patients’ perspectives were anxiety upon admission, the impact of communication, emotional stress due to treatment delays, systemic/bureaucratic challenges, financial burden, a lack of emotional support, and post-hospitalization concerns. The consistent perspectives shared by both patients and providers included the impact of systemic factors, communication issues, the role of staff attitude/behavior, financial concerns, and the influence of prior experiences. Conclusions: This study highlights the complex interplay of systemic, staff-related, and patient-specific factors. It suggests a need to improve communication, staff support, administrative processes, financial counseling, emotional support integration, and discharge planning to minimize harm and create a patient-centered environment. Full article
(This article belongs to the Section Healthcare Quality and Patient Safety)
14 pages, 377 KiB  
Article
From Lockdowns to Long COVID—Unraveling the Link Between Sleep, Chronotype, and Long COVID Symptoms
by Mariam Tsaava, Tamar Basishvili, Irine Sakhelashvili, Marine Eliozishvili, Nikoloz Oniani, Nani Lortkipanidze, Maria Tarielashvili, Lali Khoshtaria and Nato Darchia
Brain Sci. 2025, 15(8), 800; https://doi.org/10.3390/brainsci15080800 - 28 Jul 2025
Viewed by 286
Abstract
Background/Objectives: Given the heterogeneous nature of long COVID, its treatment and management remain challenging. This study aimed to investigate whether poor pre-pandemic sleep quality, its deterioration during the peak of the pandemic, and circadian preference increase the risk of long COVID symptoms. [...] Read more.
Background/Objectives: Given the heterogeneous nature of long COVID, its treatment and management remain challenging. This study aimed to investigate whether poor pre-pandemic sleep quality, its deterioration during the peak of the pandemic, and circadian preference increase the risk of long COVID symptoms. Methods: An online survey was conducted between 9 October and 12 December 2022, with 384 participants who had recovered from COVID-19 at least three months prior to data collection. Participants were categorized based on the presence of at least one long COVID symptom. Logistic regression models assessed associations between sleep-related variables and long COVID symptoms. Results: Participants with long COVID symptoms reported significantly poorer sleep quality, higher perceived stress, greater somatic and cognitive pre-sleep arousal, and elevated levels of post-traumatic stress symptoms, anxiety, depression, and aggression. Fatigue (39.8%) and memory problems (37.0%) were the most common long COVID symptoms. Sleep deterioration during the pandemic peak was reported by 34.6% of respondents. Pre-pandemic poor sleep quality, its deterioration during the pandemic, and poor sleep at the time of the survey were all significantly associated with long COVID. An extreme morning chronotype consistently predicted long COVID symptoms across all models, while an extreme evening chronotype was predictive only when accounting for sleep quality changes during the pandemic. COVID-19 frequency, severity, financial impact, and somatic pre-sleep arousal were significant predictors in all models. Conclusions: Poor sleep quality before the pandemic and its worsening during the pandemic peak are associated with a higher likelihood of long COVID symptoms. These findings underscore the need to monitor sleep health during pandemics and similar global events to help identify at-risk individuals and mitigate long-term health consequences, with important clinical and societal implications. Full article
(This article belongs to the Section Sleep and Circadian Neuroscience)
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14 pages, 276 KiB  
Article
Social Determinants of Substance Use in Black Adults with Criminal Justice Contact: Do Sex, Stressors, and Sleep Matter?
by Paul Archibald, Dasha Rhodes and Roland Thorpe
Int. J. Environ. Res. Public Health 2025, 22(8), 1176; https://doi.org/10.3390/ijerph22081176 - 25 Jul 2025
Viewed by 320
Abstract
Substance use is a critical public health issue in the U.S., with Black communities, particularly those with criminal justice contact, disproportionately affected. Chronic exposure to stressors can lead to substance use as a coping strategy. This study used data from 1476 Black adults [...] Read more.
Substance use is a critical public health issue in the U.S., with Black communities, particularly those with criminal justice contact, disproportionately affected. Chronic exposure to stressors can lead to substance use as a coping strategy. This study used data from 1476 Black adults with criminal justice involvement from the National Survey of American Life to examine how psychosocial stress and sleep disturbances relate to lifetime substance use and to determine if there are any sex differences. Sex-separate generalized linear models for a Poisson distribution with a log-link function estimated prevalence ratios and adjusted prevalence ratios (APRs) for lifetime alcohol abuse, lifetime cigarette, and marijuana use. Independent variables include stressors (family, person, neighborhood, financial, and work-related) and sleep problems, with covariates such as age, SES, and marital status. Lifetime alcohol abuse was associated with family stressors (APR = 2.72) and sleep problems (APR = 3.36) for males, and financial stressors (APR = 2.75) and sleep problems (APR = 2.24) for females. Cigarette use was linked to family stressors (APR = 1.73) for males and work stressors (APR = 1.78) for females. Marijuana use was associated with family stressors (APR = 2.31) and sleep problems (APR = 2.07) for males, and neighborhood stressors (APR = 1.72) for females. Lifetime alcohol abuse, as well as lifetime cigarette and marijuana use, was uniquely associated with various psychosocial stressors among Black adult males and females with criminal justice contact. These findings highlight the role of structural inequities in shaping substance use and support using a Social Determinants of Health framework to address addiction in this population. Full article
(This article belongs to the Special Issue 3rd Edition: Social Determinants of Health)
17 pages, 1363 KiB  
Article
Navigating Risk in Crypto Markets: Connectedness and Strategic Allocation
by Nader Naifar
Risks 2025, 13(8), 141; https://doi.org/10.3390/risks13080141 - 23 Jul 2025
Viewed by 528
Abstract
This study examined the dynamic interconnectedness and portfolio implications within the cryptocurrency ecosystem, focusing on five representative digital assets across the core functional categories: Layer 1 cryptocurrencies (Bitcoin (BTC) and Ethereum (ETH)), decentralized finance (Uniswap (UNI)), stablecoins (Dai), and crypto infrastructure tokens (Maker [...] Read more.
This study examined the dynamic interconnectedness and portfolio implications within the cryptocurrency ecosystem, focusing on five representative digital assets across the core functional categories: Layer 1 cryptocurrencies (Bitcoin (BTC) and Ethereum (ETH)), decentralized finance (Uniswap (UNI)), stablecoins (Dai), and crypto infrastructure tokens (Maker (MKR)). Using the Extended Joint Connectedness Approach within a Time-Varying Parameter VAR framework, the analysis captured time-varying spillovers of return shocks and revealed a heterogeneous structure of systemic roles. Stablecoins consistently acted as net absorbers of shocks, reinforcing their defensive profile, while governance tokens, such as MKR, emerged as persistent net transmitters of systemic risk. Foundational assets like BTC and ETH predominantly absorbed shocks, contrary to their perceived dominance. These systemic roles were further translated into portfolio design, where connectedness-aware strategies, particularly the Minimum Connectedness Portfolio, demonstrated superior performance relative to traditional variance-based allocations, delivering enhanced risk-adjusted returns and resilience during stress periods. By linking return-based systemic interdependencies with practical asset allocation, the study offers a unified framework for understanding and managing crypto network risk. The findings carry practical relevance for portfolio managers, algorithmic strategy developers, and policymakers concerned with financial stability in digital asset markets. Full article
(This article belongs to the Special Issue Cryptocurrency Pricing and Trading)
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27 pages, 4187 KiB  
Article
Assessing Occupational Work-Related Stress and Anxiety of Healthcare Staff During COVID-19 Using Fuzzy Natural Language-Based Association Rule Mining
by Abdulaziz S. Alkabaa, Osman Taylan, Hanan S. Alqabbaa and Bulent Guloglu
Healthcare 2025, 13(14), 1745; https://doi.org/10.3390/healthcare13141745 - 18 Jul 2025
Viewed by 257
Abstract
Background/Objective: Frontline healthcare staff who contend diseases and mitigate their transmission were repeatedly exposed to high-risk conditions during the COVID-19 pandemic. They were at risk of mental health issues, in particular, psychological stress, depression, anxiety, financial stress, and/or burnout. This study aimed to [...] Read more.
Background/Objective: Frontline healthcare staff who contend diseases and mitigate their transmission were repeatedly exposed to high-risk conditions during the COVID-19 pandemic. They were at risk of mental health issues, in particular, psychological stress, depression, anxiety, financial stress, and/or burnout. This study aimed to investigate and evaluate the occupational stress of medical doctors, nurses, pharmacists, physiotherapists, and other hospital support crew during the COVID-19 pandemic in Saudi Arabia. Methods: We collected both qualitative and quantitative data from a survey given to public and private hospitals using methods like correspondence analysis, cluster analysis, and structural equation models to investigate the work-related stress (WRS) and anxiety of the staff. Since health-related factors are unclear and uncertain, a fuzzy association rule mining (FARM) method was created to address these problems and find out the levels of work-related stress (WRS) and anxiety. The statistical results and K-means clustering method were used to find the best number of fuzzy rules and the level of fuzziness in clusters to create the FARM approach and to predict the work-related stress and anxiety of healthcare staff. This innovative approach allows for a more nuanced appraisal of the factors contributing to work-related stress and anxiety, ultimately enabling healthcare organizations to implement targeted interventions. By leveraging these insights, management can foster a healthier work environment that supports staff well-being and enhances overall productivity. This study also aimed to identify the relevant health factors that are the root causes of work-related stress and anxiety to facilitate better preparation and motivation of the staff for reorganizing resources and equipment. Results: The results and findings show that when the financial burden (FIN) of healthcare staff increased, WRS and anxiety increased. Similarly, a rise in psychological stress caused an increase in WRS and anxiety. The psychological impact (PCG) ratio and financial impact (FIN) were the most influential factors for the staff’s anxiety. The FARM results and findings revealed that improving the financial situation of healthcare staff alone was not sufficient during the COVID-19 pandemic. Conclusions: This study found that while the impact of PCG was significant, its combined effect with FIN was more influential on staff’s work-related stress and anxiety. This difference was due to the mutual effects of PCG and FIN on the staff’s motivation. The findings will help healthcare managers make decisions to reduce or eliminate the WRS and anxiety experienced by healthcare staff in the future. Full article
(This article belongs to the Special Issue Depression, Anxiety and Emotional Problems Among Healthcare Workers)
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18 pages, 1601 KiB  
Article
Systemic Tail Dependence Between Biodiversity, Clean Energy, and Financial Transition Assets: A Partial Correlation-Based Network Approach
by Nader Naifar and Mohammed Alhashim
Sustainability 2025, 17(14), 6568; https://doi.org/10.3390/su17146568 - 18 Jul 2025
Viewed by 308
Abstract
This study investigates the systemic tail dependence among biodiversity, clean energy, and financial transition assets using a novel partial correlation-based network approach. Analyzing eleven indices from 2019 to 2025, we capture dynamic connectedness across normal and extreme market conditions. Empirical findings indicate that [...] Read more.
This study investigates the systemic tail dependence among biodiversity, clean energy, and financial transition assets using a novel partial correlation-based network approach. Analyzing eleven indices from 2019 to 2025, we capture dynamic connectedness across normal and extreme market conditions. Empirical findings indicate that clean energy assets form a central hub of connectedness, while biodiversity-linked instruments increasingly influence systemic behavior under stress. Events such as the COVID-19 vaccine rollout, the Russia–Ukraine war, and El Niño intensify these dynamics. Compared to the traditional Generalized Forecast Error Variance Decomposition (GFEVD) framework, our approach better detects short-term shocks, offering actionable insights for climate-aware investment and risk management. Full article
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31 pages, 1822 KiB  
Article
Banking Supervision and Risk Management in Times of Crisis: Evidence from Greece’s Systemic Banks (2015–2024)
by Georgios Dedeloudis, Petros Lois and Spyros Repousis
J. Risk Financial Manag. 2025, 18(7), 386; https://doi.org/10.3390/jrfm18070386 - 11 Jul 2025
Viewed by 551
Abstract
This study examines the role of supervisory frameworks in shaping the risk management behavior of Greece’s four systemic banks during the period of 2015–2024. It explores how regulatory reforms under Capital Requirements Regulation II, Basel III, and European Central Bank oversight influenced capital [...] Read more.
This study examines the role of supervisory frameworks in shaping the risk management behavior of Greece’s four systemic banks during the period of 2015–2024. It explores how regulatory reforms under Capital Requirements Regulation II, Basel III, and European Central Bank oversight influenced capital adequacy, asset quality, and liquidity metrics. Employing a quantitative methodology, this study analyzes secondary data from Pillar III disclosures, annual financial reports, and supervisory statements. Key risk indicators (capital adequacy ratio, non-performing exposure ratio, liquidity coverage ratio, and risk-weighted assets) are evaluated in conjunction with regulatory interventions, such as International Financial Reporting Standards 9 transitional relief, the Hercules Asset Protection Scheme, and European Central Bank liquidity measures. The findings reveal that enhanced supervision contributed to improved resilience and regulatory compliance. International Financial Reporting Standards 9 transitional arrangements were pivotal in maintaining capital thresholds during stress periods. Supervisory flexibility and extraordinary European Central Bank support measures helped banks absorb shocks and improve risk governance. Differences across banks highlight the impact of institutional strategy on regulatory performance. This study offers a rare longitudinal assessment of supervisory influence on bank risk behavior in a high-volatility Eurozone context. Covering an entire decade (2015–2024), it uniquely links institutional strategies with evolving regulatory frameworks, including crisis-specific interventions such as International Financial Reporting Standards 9 relief and asset protection schemes. The results provide insights for policymakers and regulators on how targeted supervisory interventions and transitional mechanisms can enhance banking sector resilience during protracted crises. Full article
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14 pages, 481 KiB  
Article
Technology Access and Financial Stress: Post-COVID-19 Academic Outcomes for First-Generation and Continuing-Generation College Students
by Besjanë Krasniqi and Susan Sonnenschein
Educ. Sci. 2025, 15(7), 881; https://doi.org/10.3390/educsci15070881 - 10 Jul 2025
Viewed by 789
Abstract
Technology is essential in higher education, yet disparities in access disproportionately affect first-generation college students. This study examines how technology access and financial stress impact academic performance for first-generation (FGCS) and continuing-generation college students (CGCS). Students (N = 430) were asked to [...] Read more.
Technology is essential in higher education, yet disparities in access disproportionately affect first-generation college students. This study examines how technology access and financial stress impact academic performance for first-generation (FGCS) and continuing-generation college students (CGCS). Students (N = 430) were asked to reflect on their experiences during the COVID-19 pandemic, particularly their technology access and financial stress. Results showed that FGCS reported significantly lower technology access and higher levels of financial stress than CGCS. Greater technology access was a significant positive predictor of academic performance for FGCS but not CGCS. However, this effect diminished when financial stress was added to the regression model. Moderation analysis showed that financial stress significantly moderated the relation between technology access and academic performance. This suggests that under high financial stress, technology access becomes a critical resource for academic performance. Full article
(This article belongs to the Collection Trends and Challenges in Higher Education)
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23 pages, 481 KiB  
Article
Reframing Technostress for Organizational Resilience: The Mediating Role of Techno-Eustress in the Performance of Accounting and Financial Reporting Professionals
by Sibel Fettahoglu and Ibrahim Yikilmaz
Systems 2025, 13(7), 550; https://doi.org/10.3390/systems13070550 - 7 Jul 2025
Viewed by 311
Abstract
This study examines how employees perceive technology-based demands during the digital transformation process and how these perceptions affect job performance. The research utilized data obtained from 388 experts in the accounting and financial reporting profession, a knowledge-intensive field that heavily employs new technologies [...] Read more.
This study examines how employees perceive technology-based demands during the digital transformation process and how these perceptions affect job performance. The research utilized data obtained from 388 experts in the accounting and financial reporting profession, a knowledge-intensive field that heavily employs new technologies (e.g., ERP systems, digital audit tools). The data collected through a convenience sampling method was analyzed using SPSS 27 and SmartPLS 4 software. The findings reveal that the direct effect of technostress on job performance is not significant; however, this stress indirectly contributes to performance through techno-eustress. In this study, techno-eustress refers to the cognitive appraisal of technology-related demands as development-enhancing challenges rather than threats. This concept is theoretically grounded in the broader eustress framework, which views stressors as potentially motivating and growth-promoting when positively interpreted. The model is based on Cognitive Evaluation Theory, the Job Demands–Resources Model, and Self-Determination Theory. This study demonstrates that digital transformation can promote not only operational improvements but also organizational resilience by enhancing employees’ psychological resources and adaptive capacities. By highlighting the mediating role of techno-eustress, this research offers a nuanced perspective on how human-centered cognitive mechanisms can strategically support performance and sustainability in the face of technological disruption—an increasingly relevant area for organizations striving to thrive amid uncertainty. Full article
(This article belongs to the Special Issue Strategic Management Towards Organisational Resilience)
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25 pages, 668 KiB  
Article
Bridging the Energy Divide: An Analysis of the Socioeconomic and Technical Factors Influencing Electricity Theft in Kinshasa, DR Congo
by Patrick Kankonde and Pitshou Bokoro
Energies 2025, 18(13), 3566; https://doi.org/10.3390/en18133566 - 7 Jul 2025
Viewed by 387
Abstract
Electricity theft remains a persistent challenge, particularly in developing economies where infrastructure limitations and socioeconomic disparities contribute to illegal connections. This study analyzes the determinants influencing electricity theft in Kinshasa, the Democratic Republic of Congo, using a logistic regression model applied to 385 [...] Read more.
Electricity theft remains a persistent challenge, particularly in developing economies where infrastructure limitations and socioeconomic disparities contribute to illegal connections. This study analyzes the determinants influencing electricity theft in Kinshasa, the Democratic Republic of Congo, using a logistic regression model applied to 385 observations, which includes random bootstrapping sampling for enhanced stability and power analysis validation to confirm the adequacy of the sample size. The model achieved an AUC of 0.86, demonstrating strong discriminatory power, while the Hosmer–Lemeshow test (p = 0.471) confirmed its robust fit. Our findings indicate that electricity supply quality, financial stress, tampering awareness, and billing transparency are key predictors of theft likelihood. Households experiencing unreliable service and economic hardship showed higher theft probability, while those receiving regular invoices and alternative legal energy solutions exhibited lower risk. Lasso regression was implemented to refine predictor selection, ensuring model efficiency. Based on these insights, a multifaceted policy approach—including grid modernization, prepaid billing systems, awareness campaigns, and regulatory enforcement—is recommended to mitigate electricity theft and promote sustainable energy access in urban environments. Full article
(This article belongs to the Section F4: Critical Energy Infrastructure)
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