The
concepts
of
internet
banking
and
mobile
have
led
to
changes
in
people’s
financial
behavior
terms
earning,
consuming,
saving.
This
new
concept,
which
entered
the
market
quite
recently,
was
used
at
beginning
digital
technology
various
types
activities,
operations,
nowadays
these
services
are
by
all
people
who
want
save
through
banks
or
create
sources
income,
as
well
make
quick
currency
exchanges
without
going
credit
institutions.
main
purpose
this
paper
is
analyze
toward
technologies,
e-banking
adoption,
non-banking
institutions
services.
objectives
pursued
are:
whether
users
homogeneous
their
characteristics
EU
27
most
convergent
divergent
27.
Statistical
data
taken
from
Eurostat
2023
for
Sigma
convergence
analysis,
time
series
into
consideration
being
2004
2022.
results
showed
that
procedural-fiscal-financial
sphere
ones
fully
reflect
two
principles
underlying
tax
evolution:
digitization
simplification.
These
confirm
adopting
change
consumer
prosumer.
study
shows
categories
adopted
using
technologies
when
it
comes
consumption
saving,
with
few
exceptions
should
be
carefully
supported.
International Journal of Consumer Studies,
Год журнала:
2022,
Номер
46(3), С. 692 - 715
Опубликована: Фев. 5, 2022
The
present
study
investigates
the
impact
of
COVID-19
on
Consumers'
changing
way
life
and
buying
behaviour
based
their
socio-economic
backgrounds.
A
questionnaire
survey
was
carried
out
to
understand
consumers'
affordability,
lifestyle,
health
awareness
how
these
effects
influenced
behaviour.
total
425
usable
responses
were
analysed
using
structural
equation
modelling
considering
background
as
exogenous
variables
Adaptation
in
endogenous
variables.
reveals
that
has
affected
consumers
unorganised
sectors
more
than
others
induced
an
increase
demand
for
affordable
substitutes
daily
necessities.
wellness
entertainment
products
is
found
depend
upon
occupation
family
earning
status
which
jointly
mediated
by
affordability
lifestyle
changes.
Further,
findings
show
hygiene
depends
current
employment
towards
hygiene.
model
developed
allows
decision-makers
identify
segments
population
with
certain
backgrounds
could
be
targeted
ones
products.
In
addition,
provides
rich
insights
managers
what
kind
product
substitution
would
viable
market
during
pandemic.
The
COVID-19
pandemic
has
significantly
impacted
globalization
by
disrupting
the
course
of
international
economic
integration,
reducing
interpersonal
interaction
and
communication,
lessening
significance
global
governance
political
interactions.
This
unprecedented
event
altered
supply
chains,
MNEs’
operations
FDI,
trade
patterns,
it
favored
protectionist
border
policies.
Meanwhile,
travel
restrictions
social-distancing
measures
reduced
human
mobility
hindered
intercultural
exchanges.
study
explores
short-term
long-term
effects
on
while
also
reflecting
its
implications
for
social
globalization.
analysis
underlines
that
encouraged
many
governments
to
assess
their
strategies
vis-à-vis
seeking
a
certain
equilibrium
between
engagement,
regional
retreat,
national
seclusion.
Despite
adverse
implications,
some
positive
outcomes
have
emerged
via
COVID-19-induced
digital
transformation
reconfiguration
chains
improve
resilience
against
future
exogenous
shocks.
exposed
shortcomings
current
system
emphasized
necessity
post-COVID-19
“re-designed”
mitigate
anti-globalization
sentiments
expand
benefits
across
countries/geo-economic
regions
different
segments
society.
International Journal of Consumer Studies,
Год журнала:
2022,
Номер
47(2), С. 652 - 668
Опубликована: Июль 27, 2022
Abstract
Existing
studies
show
the
role
of
empathy
with
nature
in
improving
attitudes
toward
environment.
This
article
demonstrates
that
induced
can
improve
environmental
behaviours
and
commitments.
We
find
commitment
behaviour
are
positively
affected
by
establish
a
causal
model
between
pro‐environmental
behaviour.
further
investigate
relationship
self‐construal
(interdependent
or
independent),
(existing
non‐existing)
The
results
indicate
participants
who
have
display
stronger
behaviour,
particularly
private
domain.
Commitment
to
environment
plays
mediating
this
moderating
role.
Specifically,
for
individuals
interdependent
self‐construal,
promotes
whereas
independent
has
no
statistically
significant
effect
on
International Journal of Consumer Studies,
Год журнала:
2024,
Номер
48(2)
Опубликована: Март 1, 2024
Abstract
Scholarly
research
on
virtual
reality
(VR)
is
characterized
by
a
dynamic
tension
between
VR's
potential
and
the
challenges
impeding
its
adoption.
Grounded
in
mixed‐methods
systematic
review,
this
examines
drivers
influencing
consumer
VR
adoption
rigorously
combining
qualitative
quantitative
analyses
of
158
scholarly
articles
ranging
from
1996
to
2023.
Based
an
extensive
analysis
literature,
we
introduce
Virtual
Reality
Integrated
Adoption
Framework
(VRIAF),
which
first
review
focusing
exclusively
This
empirically
substantiated
model
integrates
key
determinants
such
as
attitudes,
perceived
enjoyment,
ease
use,
social
influences,
previous
user
experiences.
The
identifies
four
pivotal
themes
through
exploration,
further
elucidated
meta‐analyses
weight
analyses.
These
encompass
experience
environments,
role
construction
design,
immersive
attributes
technologies,
ongoing
technological
advancements
patterns.
contributes
significantly
theoretical
understanding
provides
practical
insights
for
professionals.
By
delineating
future
directions,
study
bridges
gap
exploration
application,
offering
valuable
resource
both
scholars
practitioners
field
VR.
International Journal of Consumer Studies,
Год журнала:
2023,
Номер
47(4), С. 1483 - 1499
Опубликована: Март 9, 2023
Abstract
While
prior
consumer
studies
have
adopted
various
theoretical
perspectives
to
explain
individuals'
reactions
disasters,
scant
attention
has
been
paid
the
role
of
ontological
security
in
shaping
those
responses.
This
study
attempts
fill
this
knowledge
gap
by
qualitatively
exploring
two
contexts:
man‐made
and
natural
disasters.
To
end,
we
conducted
35
focus
groups
UK,
Germany,
France
address
how
people
reacted
terrorist
attacks
COVID‐19
pandemic
respectively.
Through
thematic
analysis,
three
themes
emerged:
fear
versus
anxiety,
oneself
others,
materialistic
experiential
purchases.
Man‐made
disasters
appear
elicit
fear,
concern
for
self,
a
preference
purchases,
whereas
seem
trigger
Both
types
evoke
desire
escape
from
reality.
In
closing,
discuss
both
transitory
prolonged
threats
they
shape
behaviours
while
restoring
their
security.
Antibiotics,
Год журнала:
2024,
Номер
13(12), С. 1227 - 1227
Опубликована: Дек. 18, 2024
Bacterial
attachment
and
biofilm
formation
are
associated
with
the
contamination
fouling
at
several
locations
in
a
washing
machine,
which
is
particularly
complex
environment
made
from
range
of
metal,
polymer,
rubber
components.
Microorganisms
also
adhere
to
different
types
clothing
fibres
during
laundering
process
as
well
sweat,
skin
particles,
other
This
can
result
both
machine
surfaces
clothes
production
malodours.
review
gives
an
introduction
into
use
discusses
how
confers
survival
properties
microorganisms.
Microbial
growth
on
machines
textiles
discussed,
their
potential
produce
volatiles.
Changes
consumer
attitudes
emphasis
overview
regarding
changes
that
have
occurred
laundry
habits
reviewed.
Since
it
has
been
suggested
such
increased
risk
microorganisms
surviving
process,
understanding
interactions
surface
components
alongside
sustainable
detergents
meet
demands
needed
enhance
efficacy
new
antimicrobial
cleaning
agents
these
dynamic
environments.
Sustainability,
Год журнала:
2023,
Номер
15(20), С. 15104 - 15104
Опубликована: Окт. 20, 2023
Consumer
behavior
is
dynamic
and
can
shift
rapidly
due
to
various
factors.
The
COVID-19
pandemic
introduced
unprecedented
market
disruptions,
prompting
unique
consumer
reactions.
Our
foundational
study
dissected
factors
affecting
habits,
laying
the
groundwork
for
a
focused
analysis
of
how
individual
consumption
was
impacted
during
pandemic.
Significantly,
psychological
influences
emerged
as
key
determinant
in
our
prior
findings,
leading
us
centralize
pandemic’s
effect
recent
research.
We
undertook
this
using
data
from
559
participants
Republic
Croatia.
Utilizing
Analytic
Hierarchy
Process
(AHP),
typically
applied
analyses
decision
making
businesses,
we
ranked
on
purchasing
patterns
amidst
findings
underscored
profound
influence
these
resulting
implications
sustainable
development.
This
highlights
urgency
businesses
adopt
flexible
strategies
that
also
support
overarching
sustainability
objectives.
objective
analyze
impact
understand
influencing
behavior.
main
contribution
work
identification
ranking
AHP
model,
well
understanding
behavioral
changes
future
planning.
BMC Medical Informatics and Decision Making,
Год журнала:
2024,
Номер
24(1)
Опубликована: Фев. 2, 2024
Abstract
Background
Concept
drift
and
covariate
shift
lead
to
a
degradation
of
machine
learning
(ML)
models.
The
objective
our
study
was
characterize
sudden
data
as
caused
by
the
COVID
pandemic.
Furthermore,
we
investigated
suitability
certain
methods
in
model
training
prevent
drift.
Methods
We
trained
different
ML
models
with
H2O
AutoML
method
on
dataset
comprising
102,666
cases
surgical
patients
collected
years
2014–2019
predict
postoperative
mortality
using
preoperatively
available
data.
Models
applied
were
Generalized
Linear
Model
regularization,
Default
Random
Forest,
Gradient
Boosting
Machine,
eXtreme
Boosting,
Deep
Learning
Stacked
Ensembles
all
base
Further,
modified
original
applying
three
when
pre-pandemic
dataset:
(1)
weighted
older
weaker,
(2)
used
only
most
recent
for
(3)
performed
z-transformation
numerical
input
parameters.
Afterwards,
tested
performance
an
in-pandemic
set
not
process,
analysed
common
features.
Results
produced
showed
excellent
areas
under
receiver-operating
characteristic
acceptable
precision-recall
curves
from
January-March
2020,
but
significant
first
wave
pandemic
April-May
2020.
When
comparing
probability
distributions
parameters,
differences
between
found.
endpoint
models,
in-hospital
after
surgery,
did
differ
significantly
pre-
about
1%
each
case.
However,
varied
considerably
composition
their
None
modifications
prevented
loss
performance,
although
very
emerged
it,
large
variety
Conclusions
Our
results
show
that
none
easy-to-implement
measures
can
deterioration
case
external
events.
Therefore,
conclude
that,
presence
concept
shift,
close
monitoring
critical
review
predictions
are
necessary.
