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58 pages, 1907 KB  
Article
Economic Performance in Green Energy Transition Towards the New Normal Framework: Drivers and Blockers of Green Energy Productivity
by Alina Zaharia, Laura Brad, Marius Bogdan Petre, Ioan Daniel Chiciudean and Gabriela Ofelia Chiciudean
Energies 2026, 19(13), 2978; https://doi.org/10.3390/en19132978 (registering DOI) - 24 Jun 2026
Abstract
In the context of SDG 7 and SDG 13 of the 2030 Sustainable Development Agenda, a new performance indicator has started to gain momentum in scientific research: renewable energy productivity. Understanding the drivers and the challenges of green energy productivity could help add [...] Read more.
In the context of SDG 7 and SDG 13 of the 2030 Sustainable Development Agenda, a new performance indicator has started to gain momentum in scientific research: renewable energy productivity. Understanding the drivers and the challenges of green energy productivity could help add on to the classical focus of renewable energy research on infrastructure, technical and economic feasibility, and environmental and social impacts, by considering the performance indicators in this field more. Only very few studies have explored the influencing factors of renewable energy productivity. Thus, this research aims to reveal the impact of social, economic, energy, and environmental variables on green energy productivity. The methodological approach involves bibliometric analyses of the literature on green energy productivity (GEP) and panel data regression models involving 16 independent variables. The main findings indicate positive effects of green taxes, female participation in the workforce, and highly educated people on GEP, pointing out the importance of green taxation, education, and gender equality in sustainable development. On the other hand, negative relationships of green energy productivity with economic growth, traditional energy variables, and air pollution were found for the European Union’s member states over 2007 and 2023. The results suggest that the analyzed European countries based their economic growth on traditional resources, with less importance given to renewable resources and green technologies, as the share of renewable resources of GDP was also negatively correlated. While private financial resources increase green energy productivity, questions about research and development investments, urbanization, and diversity index are still debatable. Full article
(This article belongs to the Section C: Energy Economics and Policy)
21 pages, 1405 KB  
Review
A Review of Agricultural Drought Monitoring, Policy, and Farmer Adaptation Under Climate Vulnerability in Hungary
by Mahrokh Shafiei, Ledianë Durmishi, Tibor Farkas, Iman Mirmazloum, István Waltner and Györgyi Gelybó
Agronomy 2026, 16(13), 1212; https://doi.org/10.3390/agronomy16131212 (registering DOI) - 23 Jun 2026
Viewed by 63
Abstract
Hungary is experiencing more frequent and severe droughts due to climate change, with 60% of its arable land in the vulnerable Great Hungarian Plain. Drought events in 2012 and 2022 reduced maize yields by more than 50% in some regions. This review synthesizes [...] Read more.
Hungary is experiencing more frequent and severe droughts due to climate change, with 60% of its arable land in the vulnerable Great Hungarian Plain. Drought events in 2012 and 2022 reduced maize yields by more than 50% in some regions. This review synthesizes studies (2000–2025) on remote sensing capabilities, climate change impacts, and farmer adaptation in Hungarian agriculture. Remote sensing technologies (Sentinel, Landsat, MODIS) and indices (NDVI, VCI, LST, TCI) achieve high accuracy (often >80%) in drought detection under validated conditions, yet technical and financial barriers limit uptake among smallholder farmers. Climate projections indicate that a 2 °C temperature rise by 2050 will expand drought-affected areas. Farmer adaptation varies sharply by farm size: large farms (>100 ha) adopt precision agriculture (65% uptake), while smallholders (<10 ha) rely on crop rotation and drought-resistant varieties. Although substantial support is provided through the EU Common Agricultural Policy, institutional fragmentation and weak extension services—which reach only 32% of farmers—undermine its effectiveness. Bridging this gap requires integrating accessible remote sensing tools with targeted smallholder support and reformed extension services. Full article
(This article belongs to the Special Issue Precision Agriculture and Crop Models for Climate Change Adaptation)
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30 pages, 2264 KB  
Article
Driver Acceptance of Advanced Traffic Management Systems: An Integrated TAM-TRI Analysis of M-Flow in Thailand Using Structural Equation Modeling
by Jarinya Chaiwiset, Vatanavongs Ratanavaraha and Sajjakaj Jomnonkwao
Urban Sci. 2026, 10(6), 338; https://doi.org/10.3390/urbansci10060338 (registering DOI) - 22 Jun 2026
Viewed by 128
Abstract
This study investigates the determinants of driver acceptance of “M-Flow”, Thailand’s first Advanced Traffic Management solution utilizing Multi-Lane Free Flow (MLFF) technology. While designed to eliminate toll plaza bottlenecks through AI-driven automated billing, the system’s operational efficiency is hindered by a “trust gap” [...] Read more.
This study investigates the determinants of driver acceptance of “M-Flow”, Thailand’s first Advanced Traffic Management solution utilizing Multi-Lane Free Flow (MLFF) technology. While designed to eliminate toll plaza bottlenecks through AI-driven automated billing, the system’s operational efficiency is hindered by a “trust gap” caused by a stringent ten-fold penalty for late payment compliance. By integrating the Technology Readiness Index (TRI 2.0) with the Technology Acceptance Model (TAM), this research explores how psychological readiness dictates the success of smart traffic infrastructures. Data from 485 drivers were analyzed using Structural Equation Modeling (SEM). The results reveal that while technological optimism and innovativeness act as motivators, Insecurity (β = −0.723) emerges as the dominant psychological barrier, directly suppressing the perceived ease of use and triggering behavioral resistance. The findings demonstrate that technical efficiency and diverse payment options alone are insufficient to ensure mass adoption if the regulatory climate fosters financial anxiety. To maximize system throughput, this study recommends that policymakers shift from punitive enforcement to “trust engineering.” By enhancing financial transparency, simplifying the registration-to-payment workflow, and mitigating the “penalty trap” perception, authorities can achieve the psychological seamlessness that is a strict prerequisite for a fully trusted smart transportation infrastructure in Thailand. Full article
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30 pages, 2729 KB  
Article
Sustainable Reduction in Administrative Costs in Social Protection Systems Through Digitalization and AI-Driven Process Automation
by George Abuselidze, Gulnara Amanova, Aidana Ryskeldiyeva and Kunsulu Saduakassova
Sustainability 2026, 18(12), 6351; https://doi.org/10.3390/su18126351 (registering DOI) - 22 Jun 2026
Viewed by 187
Abstract
Efficient and financially sustainable social protection systems are essential under conditions of economic instability and increasing social demand. However, traditional administrative models are often characterized by high operational costs, procedural complexity, and delayed benefit delivery. This study examines the role of digitalization, process [...] Read more.
Efficient and financially sustainable social protection systems are essential under conditions of economic instability and increasing social demand. However, traditional administrative models are often characterized by high operational costs, procedural complexity, and delayed benefit delivery. This study examines the role of digitalization, process automation, and AI-driven administrative solutions in reducing administrative expenses while enhancing the sustainability and resilience of social protection systems. An integrated Automation Index is developed using standardized proxy indicators that reflect reductions in operational and transaction costs associated with digital and automated technologies. To assess future trajectories of administrative expenses, scenario-based modelling is applied under three digital transformation paths—baseline, moderate, and intensive. Administrative efficiency is estimated using a translog Stochastic Frontier Analysis (SFA) framework. The results indicate that digitalization and automation significantly reduce administrative costs only when supported by favorable institutional conditions, including decentralized governance, effective inter-agency coordination, and clearly regulated administrative procedures. Under the intensive digital transformation scenario, administrative expenses decline substantially relative to the baseline, while system responsiveness and beneficiary coverage improve. In contrast, weak institutional environments limit the efficiency gains of technological solutions. The study concludes that AI agents and automated systems should be viewed not as substitutes for human decision-making but as tools for optimizing administrative architectures. This transition from resource-intensive to technology-intensive models is particularly important for developing countries seeking sustainable social protection under constrained fiscal conditions. Full article
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26 pages, 357 KB  
Article
A Reproducible Synthetic Socio-Digital Network Dataset for Analyzing Digital Gaps in Community-Based Tourism Communities in Rural Ecuador
by Dolores Mieles-Cevallos, Lourdes Suntagsi-Tuasa, Jael Zambrano-Mieles, Velasco Zambrano-Burgos, Miguel Vera, Nicolás Márquez and Cristian Vidal-Silva
Data 2026, 11(6), 151; https://doi.org/10.3390/data11060151 (registering DOI) - 20 Jun 2026
Viewed by 181
Abstract
Digital transformation has become an essential component of sustainable rural development, yet substantial inequalities persist in how communities access, adopt, and benefit from digital technologies. Understanding these disparities requires not only information about technological resources but also knowledge of the relational structures through [...] Read more.
Digital transformation has become an essential component of sustainable rural development, yet substantial inequalities persist in how communities access, adopt, and benefit from digital technologies. Understanding these disparities requires not only information about technological resources but also knowledge of the relational structures through which information, support, and opportunities circulate. This article presents a reproducible synthetic socio-digital network dataset designed to support the analysis of digital gaps in community-based tourism (CBT) environments. Rather than containing original respondent-level observations, the repository was computationally reconstructed from aggregate statistics derived from field studies conducted in three rural communities in the province of Guayas, Ecuador: Bucay (5 de Septiembre), Manglares Churute, and Ruta de los Chirijos. All node-level records, survey variables, and support relationships included in the repository were synthetically generated to preserve aggregate community characteristics while protecting participant confidentiality and preventing individual re-identification. The repository contains synthetic actor metadata, reconstructed socio-digital variables, directed support networks, graph representations in interoperable formats, and precomputed Social Network Analysis (SNA) indicators. The dataset includes 90 synthetic actors, more than one thousand generated support interactions distributed across multiple socio-digital dimensions, machine-readable metadata, and reusable scripts for preprocessing, validation, graph construction, and metric computation. The represented dimensions include financial assistance, training support, information exchange, technological support, social media promotion, institutional collaboration, trust, and emotional closeness. To facilitate reuse, all resources are distributed in standardized formats compatible with NetworkX, Gephi, Neo4j, and graph-learning frameworks. The repository follows FAIR principles and includes documentation intended to support transparency, reproducibility, and methodological benchmarking. Potential applications include social network analysis, graph mining, graph neural networks, digital inequality research, computational social science, community resilience studies, and educational activities. By providing an openly documented synthetic dataset and reproducible computational workflow, the repository contributes to the study of socio-digital systems, privacy-preserving data sharing, and community-level digital transformation processes. Full article
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29 pages, 1613 KB  
Article
Driving Sustainable Green Innovation Through Intelligent Manufacturing Policies: A System Transformation Perspective
by Shu Fang, Heliang Zhu, Huilu Jiang and Zouxian Yan
Systems 2026, 14(6), 700; https://doi.org/10.3390/systems14060700 (registering DOI) - 18 Jun 2026
Viewed by 124
Abstract
The transition toward sustainable manufacturing requires an understanding of how industrial policies shape firms’ long-term green innovation capabilities. This study investigates the impact of China’s intelligent manufacturing pilot policy on enterprises’ sustainable green innovation, conceptualizing the policy as an exogenous driver of systemic [...] Read more.
The transition toward sustainable manufacturing requires an understanding of how industrial policies shape firms’ long-term green innovation capabilities. This study investigates the impact of China’s intelligent manufacturing pilot policy on enterprises’ sustainable green innovation, conceptualizing the policy as an exogenous driver of systemic transformation at the firm level. Using multi-period difference-in-differences (DID) regression on an unbalanced panel dataset of Chinese listed companies from 2010 to 2023, we find that the intelligent manufacturing pilot policy exerts a significantly positive effect on enterprises’ sustainable green innovation. Mechanism analyses reveal that the policy promotes sustainable green innovation through three pathways: facilitating digital transformation, alleviating financing constraints, and enhancing ESG performance. Heterogeneity analysis further indicates that the policy effects are more pronounced in eastern regions, among non-state-owned enterprises, in non-heavily polluting industries, and in technology-intensive industries. These findings provide insights into how systemic policy interventions can drive sustainable innovation at the firm level, with implications for policymakers and enterprises seeking to align industrial upgrading with long-term green development. These findings are interpreted through a system transformation lens, where intelligent manufacturing policies trigger co-evolutionary changes across digital, financial, and governance subsystems. Full article
(This article belongs to the Section Systems Practice in Social Science)
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30 pages, 2738 KB  
Systematic Review
Evolution, Challenges, and Future Research Directions of ESG Investment in Emerging Markets: A Systematic Literature Review
by Luis Ángel Meneses Cerón, Idolina Bernal González, Julián Mauricio Gómez López, Yudith Cristina Caicedo Domínguez and Astrid Larrondo García
Adm. Sci. 2026, 16(6), 294; https://doi.org/10.3390/admsci16060294 - 18 Jun 2026
Viewed by 337
Abstract
In the current context, where sustainability has become a global imperative, emerging markets have increasingly incorporated green finance as a strategic pillar to foster long-term growth and stability. This study examines the evolution, trends, and key challenges of sustainable investment in emerging economies, [...] Read more.
In the current context, where sustainability has become a global imperative, emerging markets have increasingly incorporated green finance as a strategic pillar to foster long-term growth and stability. This study examines the evolution, trends, and key challenges of sustainable investment in emerging economies, with a particular focus on the integration of environmental, social, and governance (ESG) criteria. A systematic literature review was conducted using Scopus and Web of Science, following the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) protocol, based on a sample of 399 articles published over the past decade. The findings reveal a significant expansion in academic output on ESG investments in emerging markets, with an average annual growth rate of 14.06% and an international co-authorship rate of 37.34%. China, the United Kingdom, South Africa, and the United States emerge as leading contributors, particularly since 2020. However, critical gaps persist, including inconsistencies in ESG ratings and the limited adaptation of ESG frameworks to local socioeconomic and institutional conditions. Future research should focus on strengthening public policy frameworks, designing effective fiscal incentives, assessing the distributive implications of green finance, and leveraging technologies such as fintech, blockchain, and artificial intelligence to enhance ESG rating consistency, transparency, risk measurement, and the overall efficiency of sustainable investments. Full article
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29 pages, 1580 KB  
Article
Decarbonization Through Data: The Impact of Public Data Openness on Regional Carbon Emissions
by Zeye Zhang and Jinfang Wang
Sustainability 2026, 18(12), 6269; https://doi.org/10.3390/su18126269 - 18 Jun 2026
Viewed by 232
Abstract
Utilizing the progressive rollout of public data open platforms as a quasi-natural experiment, this study applies a staggered difference-in-differences (DID) method to investigate the effect of public data openness on regional carbon emissions. The empirical analysis demonstrates a significant decarbonization effect induced by [...] Read more.
Utilizing the progressive rollout of public data open platforms as a quasi-natural experiment, this study applies a staggered difference-in-differences (DID) method to investigate the effect of public data openness on regional carbon emissions. The empirical analysis demonstrates a significant decarbonization effect induced by public data openness, and this conclusion survives a battery of robustness tests. Mechanism analyses confirm that the decarbonization effect of public data openness is driven by enhanced industrial upgrading, green technological innovation, green financial development, and environmental regulation. Heterogeneity analyses reveal that the decarbonization effect is statistically significant mainly in Central China, and in provinces characterized by high marketization and advanced digital infrastructure. Furthermore, public data openness demonstrates a substantial capacity for abating environmental pollutants such as sulfur dioxide and dust, thereby validating a synergistic governance effect. Overall, this study demonstrates the positive role of public data openness in reducing regional carbon emissions, thereby theoretically broadening the literature on its environmental consequences while expanding practical pathways for decarbonization. Full article
(This article belongs to the Special Issue Integration of Digitalization and Green Economy)
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19 pages, 1151 KB  
Article
A Hybrid Framework for Real-Time Saudi Riyal Banknote Recognition in Assistive Applications
by Nora Alhammad, Aljawharah Alsubaie, Rama Alomair, Fajer Alamro and Mashael Alammar
Appl. Sci. 2026, 16(12), 6166; https://doi.org/10.3390/app16126166 - 18 Jun 2026
Viewed by 173
Abstract
Currency recognition is a vital pillar for the financial independence of visually impaired individuals, yet existing solutions often struggle with the trade-off between architectural complexity and real-time performance. This paper introduces a lightweight hybrid framework specifically engineered for Saudi Riyal banknote identification. The [...] Read more.
Currency recognition is a vital pillar for the financial independence of visually impaired individuals, yet existing solutions often struggle with the trade-off between architectural complexity and real-time performance. This paper introduces a lightweight hybrid framework specifically engineered for Saudi Riyal banknote identification. The primary contribution lies in the strategic integration of MobileNetV2 for deep feature extraction with a kernel-based Support Vector Machine to enhance classification boundaries. Furthermore, this study addresses a significant data gap by curating an updated dataset that includes the 20 SR denomination, which is largely missing from current public repositories. Methodologically, the framework emphasizes computational efficiency without compromising precision, achieving a robust test accuracy of 98.16. By prioritizing a streamlined architecture, this work provides a scalable and effective solution for mobile-based assistive technologies, fostering greater accessibility and autonomy for the visually impaired community in Saudi Arabia. Full article
(This article belongs to the Special Issue AI-Based Supervised Prediction Models)
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21 pages, 923 KB  
Systematic Review
Green Dentistry and Sustainability in Oral Healthcare: A Systematic Review
by Thomas Gerhard Wolf, Linde Müßig, Kerstin Paulmann, Demetrio Lamloum and Guglielmo Campus
Dent. J. 2026, 14(6), 377; https://doi.org/10.3390/dj14060377 - 17 Jun 2026
Viewed by 125
Abstract
Background: This systematic review evaluates the evidence on sustainable practices in dentistry. It focuses on effective measures, innovative technologies, strategies for reducing the carbon footprint, life cycle assessments (LCA), attitudes toward “green” dentistry, and educational approaches. Methods: A systematic search was [...] Read more.
Background: This systematic review evaluates the evidence on sustainable practices in dentistry. It focuses on effective measures, innovative technologies, strategies for reducing the carbon footprint, life cycle assessments (LCA), attitudes toward “green” dentistry, and educational approaches. Methods: A systematic search was conducted in five databases (Cochrane Library, Embase, LILACS, MEDLINE via PubMed, and Scopus) without language restrictions in accordance with PRISMA. The review was registered in PROSPERO (CRD420251056821). Results: A total of 2395 records were identified; after removing 394 duplicates, 2001 remained for screening. After title and abstract screening, 154 full-text articles were evaluated, of which 51 studies were included. The included studies addressed life cycle assessments of dental materials, sustainable clinical practices, and educational measures. Environmentally friendly materials and procedures, such as reusable personal protective equipment and water-saving technologies, demonstrate significant potential for reducing environmental impact. Despite generally high acceptance among dentists and patients, implementation is often limited by financial and knowledge-related barriers. Conclusions: The implementation of sustainable materials and procedures is crucial for reducing environmental impact. Equally important are the integration of ecological content into education and appropriate financial and political frameworks to promote sustainable dentistry. Full article
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32 pages, 1930 KB  
Article
Maximum Entropy Identification of Latent Financing Flows in Corporate Balance Sheets: Cross-Sectoral Panel Evidence
by Sunnatov Yusuf Usmonovich
J. Risk Financial Manag. 2026, 19(6), 439; https://doi.org/10.3390/jrfm19060439 - 17 Jun 2026
Viewed by 189
Abstract
Corporate balance sheets report aggregate equity and liability totals but conceal the internal allocation of financing sources across asset categories—an identification problem that conventional econometric methods cannot resolve without additional parametric assumptions. This paper develops a maximum entropy (ME) panel estimator to recover [...] Read more.
Corporate balance sheets report aggregate equity and liability totals but conceal the internal allocation of financing sources across asset categories—an identification problem that conventional econometric methods cannot resolve without additional parametric assumptions. This paper develops a maximum entropy (ME) panel estimator to recover two latent scalar parameters: x ∈ (0,1), the share of equity capital directed toward long-term asset financing, and y ∈ (0,1), the corresponding debt allocation share. Grounded in maximum entropy principle, the estimator selects the unique parameter vector that satisfies the mean-level balance-sheet constraint while maximising joint Shannon entropy—the least-biassed solution consistent with observable data. The closed-form logistic representation yields a scalar Lagrange multiplier λ*, interpreted as a financing pressure index, recoverable via bisection in at most 21 iterations at tolerance ε = 10−5. Building on the ME estimates, we introduce a continuous matching alignment index M* = x* − y* that measures the degree of compliance with the financial matching principle along a continuous spectrum rather than as a binary categorisation. Applied to a ten-firm, cross-sectoral panel spanning Technology, Finance, Energy, and Automotive sectors over an observation window spanning 2001 to 2025 (with firm-specific subperiods reflecting differences in IPO dates and data availability), the framework reveals substantial heterogeneity in latent financing flows: equity allocation shares range from 30.1% (NVIDIA) to 75.1% (ExxonMobil), while debt allocation shares span 37.1% to 77.5%. Across the panel, only Meta exhibits substantial positive matching alignment, while Microsoft, ExxonMobil, Apple, and Tesla show only very slight differences that fall within the neutral band, and the remaining firms show varying degrees of structural departure from the matching benchmark; the thresholds used to summarise these descriptive labels are interpretive aids rather than re-imposed binary criteria, and the substantive ranking of firms along M* does not depend on the specific threshold values adopted. The ME solution’s entropy H(x*, y*) and the normalised diversification index D(x*, y*) describe allocation balance under the estimator’s information–theoretic criterion rather than independently observed firm complexity; in the present sample, the cross-firm ordering of these values is not recovered by firm size, leverage, or sector classification alone. These findings, based on a ten-firm case-study panel with time-invariant allocation parameters, should be interpreted as descriptive patterns of the present sample rather than statistically validated regularities. They provide a theoretically rigorous and computationally tractable identification of unobservable corporate financing flows, with potential implications for capital structure theory, financial risk assessment, and balance sheet analysis that would benefit from validation on larger and more representative samples in future work. Full article
(This article belongs to the Special Issue Mathematical Modelling in Economics and Finance)
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20 pages, 301 KB  
Article
Sustainability in E-Commerce: The Importance of Transparency in the Supply Chain
by Patrizia Gazzola, Enrica Pavione and Giovanni D’Adamo
Sustainability 2026, 18(12), 6224; https://doi.org/10.3390/su18126224 - 17 Jun 2026
Viewed by 162
Abstract
The rapid expansion of e-commerce has reshaped global consumption systems by transforming production processes, logistics infrastructures, and consumer behaviour. While this transformation has generated significant economic opportunities, it has simultaneously intensified environmental pressures, particularly through last-mile delivery emissions, excessive packaging waste, and high [...] Read more.
The rapid expansion of e-commerce has reshaped global consumption systems by transforming production processes, logistics infrastructures, and consumer behaviour. While this transformation has generated significant economic opportunities, it has simultaneously intensified environmental pressures, particularly through last-mile delivery emissions, excessive packaging waste, and high return rates. At the same time, the growing diffusion of corporate sustainability reporting has raised increasing concerns about greenwashing, defined as the misrepresentation of environmental performance through selective disclosure or symbolic communication. This study aims to provide a comprehensive assessment of sustainability practices in e-commerce, focusing on the relationship between environmental performance, transparency, and economic outcomes. Particular attention is devoted to the role of blockchain technology as a potential mechanism for enhancing verifiable transparency in complex supply chains. The research adopts a multiple case study design grounded in the methodological frameworks and integrates qualitative analysis with a semi-quantitative evaluation model. Seven companies operating in different segments of the e-commerce ecosystem are analyzed through an extensive review of secondary data sources, including ESG reports, financial disclosures, NGO assessments, and industry benchmarks. The findings reveal a substantial gap between declared sustainability commitments and actual implementation, with significant heterogeneity across firms. Companies that embed sustainability into their strategic core demonstrate stronger alignment between environmental and economic performance, whereas firms relying primarily on communication-driven approaches exhibit higher implementation gaps. The study contributes to the literature by introducing an analytical framework centered on the concept of the implementation gap and by demonstrating the central role of transparency in determining sustainability effectiveness. It also highlights the potential, yet still largely unrealized, role of blockchain technology in addressing information asymmetry and reducing greenwashing in e-commerce. Full article
29 pages, 1854 KB  
Article
Assessing the Profitability of Energy-Efficient Houses: A Business Perspective on Photovoltaic, Air Source Heat Pumps, Double Glazing and Insulation
by David Lubbock, Zishang Zhu, Cheng Zeng, Zoe Almazan and Yanyi Sun
Energies 2026, 19(12), 2870; https://doi.org/10.3390/en19122870 - 17 Jun 2026
Viewed by 127
Abstract
Improving residential energy efficiency is essential to meeting UK net-zero targets, yet retrofit uptake in the private rented sector (PRS) remains limited. While many studies examine retrofit measures or Energy Performance Certificates (EPCs), few integrate comparative technology performance, cost–benefit outcomes, and landlord–tenant perspectives [...] Read more.
Improving residential energy efficiency is essential to meeting UK net-zero targets, yet retrofit uptake in the private rented sector (PRS) remains limited. While many studies examine retrofit measures or Energy Performance Certificates (EPCs), few integrate comparative technology performance, cost–benefit outcomes, and landlord–tenant perspectives within a single housing context. This paper addresses that gap through a mixed-methods case study of a professionally managed private rented housing portfolio in South London, assessing four retrofit technologies: photovoltaic (PV) panels, air source heat pumps (ASHPs), double glazing (DG), and insulation. Quantitative analysis showed that ASHPs delivered the greatest EPC improvement, with 54.5% of properties achieving a two-band uplift, while PV panels offered the strongest financial return, with an average payback period of 11.7 years. Houses achieved the strongest overall results, with combined PV + ASHP retrofits delivering the best technical and financial performance; however, this pairing was only feasible in houses because of the physical requirements for both roof space and external unit installation, whereas flats and maisonettes were more constrained by space and installation feasibility. Stakeholder analysis findings revealed knowledge and incentive gaps: many tenants overestimated the effectiveness of double glazing, while landlords identified high upfront costs and delivery challenges as key barriers. Wider PRS decarbonisation will therefore require stronger policy support, streamlined retrofit delivery, and improved tenant awareness. Full article
(This article belongs to the Special Issue Building Integrated Photovoltaic Systems)
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20 pages, 1036 KB  
Article
Does COBIT Framework Adoption Influence Banks’ Financial Stability? Evidence from an Emerging Country
by Randa Al-Tayan, Ibrahim N. Khatatbeh, Demeh Daradkah, Maha Shehadeh and Hanan Alzawahreh
Risks 2026, 14(6), 138; https://doi.org/10.3390/risks14060138 - 16 Jun 2026
Viewed by 221
Abstract
This paper assesses how the adoption of the COBIT framework is associated with the financial stability of commercial banks in an emerging economy—Jordan. As banks rely increasingly on digital technology, the management of technological risk has become central to their soundness, raising the [...] Read more.
This paper assesses how the adoption of the COBIT framework is associated with the financial stability of commercial banks in an emerging economy—Jordan. As banks rely increasingly on digital technology, the management of technological risk has become central to their soundness, raising the question of how IT governance is associated with bank-level risk. Using a panel of 12 listed Jordanian commercial banks over 2014–2023, we estimate the relationship between COBIT adoption and stability, measured by the natural logarithm of the Z-score, employing a random-effects panel model. We construct two original, text-based measures of COBIT engagement from banks’ annual reports: a disclosure-frequency count (COBITF) and a binary adoption indicator (COBITD). The results show that COBIT engagement is positively associated with bank stability, whereby a one-unit rise in disclosure frequency is associated with an increase in the Z-score of roughly 2.2%, and the association is robust to the inclusion of bank-specific and macroeconomic controls and to a two-stage least-squares (2SLS) treatment of endogeneity for COBITF. The findings are presented as conditional associations with a plausible governance channel. The study contributes replicable, longitudinal measures of IT-governance engagement for data-scarce emerging markets and offers empirical evidence that engagement with a specific IT-governance framework is positively associated with bank stability. Full article
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31 pages, 3476 KB  
Article
Reproducible Expert Weight Elicitation via LLM Multi-Agent Simulation: A Best–Worst Method Decision Support Framework for AI-Driven E-Commerce Platform Evaluation
by Der-Fa Chen, Yung-Hsing Chen and Bo-Siang Chen
Appl. Sci. 2026, 16(12), 6093; https://doi.org/10.3390/app16126093 - 16 Jun 2026
Viewed by 164
Abstract
The pervasive integration of artificial intelligence across e-commerce ecosystems has fundamentally transformed the competitive landscape, rendering systematic and reproducible platform evaluation frameworks an operational necessity rather than an academic exercise. Conventional multi-criteria decision analysis approaches for e-commerce evaluation remain structurally constrained by their [...] Read more.
The pervasive integration of artificial intelligence across e-commerce ecosystems has fundamentally transformed the competitive landscape, rendering systematic and reproducible platform evaluation frameworks an operational necessity rather than an academic exercise. Conventional multi-criteria decision analysis approaches for e-commerce evaluation remain structurally constrained by their dependency on human expert panels, which introduce recruitment costs, cognitive biases, limited reproducibility, and the practical infeasibility of assembling genuinely multidisciplinary panels spanning e-commerce strategy, machine learning engineering, and financial technology simultaneously. This study proposes a novel decision support framework that integrates Large Language Model (LLM) multi-agent simulation with the Best–Worst Method (BWM) to derive reproducible priority weights for AI-driven e-commerce platform evaluation within a rigorous business intelligence architecture. Twelve domain-differentiated LLM agents—organized into three expertise groups representing e-commerce management, AI and machine learning technology, and digital payment systems—were instantiated with structured system prompts encoding professional domain knowledge and deployed across three independent simulation rounds to perform BWM pairwise comparisons across a comprehensive six-dimensional, 30-sub-criterion evaluation hierarchy. Inter-agent consensus was synthesized through geometric mean aggregation, with consistency verification conducted via BWM’s xi* indicator and inter-round stability assessed through coefficient of variation analysis. Results reveal that Transaction Security and Trust achieves the highest dimension-level weight (w = 0.248), followed by AI Recommendation Effectiveness (w = 0.213), with Personal Data Protection (G = 0.0750), Recommendation Accuracy (G = 0.0607), and Transaction Transparency (G = 0.0549) emerging as the three highest globally ranked sub-criteria. The aggregated consistency indicator xi* = 0.062 confirms logical coherence of the multi-agent judgment consensus, and all dimension weights exhibit CV values below 2.8%, demonstrating exceptional inter-round stability. Spearman rank correlations among the three domain-expertise groups exceed 0.92, confirming strong inter-group convergence. Sensitivity analysis under perturbations of ±10% and ±20% demonstrates that the top-five priority indicators are structurally stable. This study establishes LLM multi-agent BWM simulation as a methodologically rigorous, institutionally accessible, and computationally reproducible alternative to traditional expert elicitation for complex platform evaluation tasks. Full article
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