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Adoption and Usage of E-Payment Methods in Brazil
No full textThis study investigates the determinants influencing the adoption and usage of e-payment systems in Brazil, emphasizing perceived usefulness, ease of use, trust, risk, incentives, and social influence. Drawing on the Technology Acceptance Model (TAM), the research surveyed 180 Brazilian users to evaluate behavioral and demographic predictors of e-payment adoption. Results from correlation and regression analyses revealed that perceived usefulness and income were the strongest predictors across multiple usage metrics—frequency, amount spent, and percentage of monthly expenses via e-payment. Perceived risk and trust were also influential, albeit to a lesser degree. Contrarily, incentives and social influence did not significantly affect adoption behavior. These findings underscore the importance of perceived value and security in shaping digital payment behaviors in emerging markets. The study contributes to the literature by refining existing models of technology acceptance and offering insights for policymakers and fintech providers aiming to enhance financial inclusion and digital adoption in Brazil
Finding Community in Crisis: Service-learning Mentoring and Transformative Outcomes
No full textThis study explored whether mentors in a tiered service-learning mentoring program served as a bridge to develop critical outcomes in service-learning, focusing on mentors’ transformative learning experience. As part of a larger study, this study used a consensual qualitative research method to assess outcomes for service-learning mentors. Findings analyze how service-learning mentors engaged in a transformative learning process. This study, conducted during the COVID-19 pandemic, highlights the importance of community in times of crisis
Honoring the Trust: Exploring the Relationship Between Higher Education Institutions and Endowment Donors
No full textSociety has entrusted higher education institutions (HEI) with three specific functions: instruction, research, and public service. The unique nature of these functions makes communicating success in honoring the inherent social contract challenging. This study explores a novel combination of nonfinancial measures and financial indicators, and how they correspond with donations of gifts with perpetual restriction to HEI endowments. These unique gifts signal that the receiving HEI is fulfilling its social contract and this study helps scholars and practitioners alike understand the correspondence between the activities of HEI and this important funding source
Understanding the Impact of Gender and Migration Background on High-Ability Students’ Behavior: Exploring Behavioral Differences in Business, Law, and Engineering Students Throughout Their Academic Careers
No full textUsing a large sample with detailed information on 32,296 high-ability business, law, and engineering students, we explore gender- and migration-related differences in behaviour to better understand the persistent under-representation of women and migrants in the executive suites of German companies. Since in this homogenous group of ‘high-achievers’, students are quite similar in their intellectual abilities, observable differences in behaviour can be mainly attributed to differences in gender- and migration-related preference patterns. We find that irrespective of migration background, men are more likely to pursue activities that increase their human capital, such as completing a doctorate. At the same time, women tend to engage in lower-level temporary jobs and complete their studies faster. In contrast, in this selective sample of high-ability students, migration background has a marginal effect on students’ behaviour only. Perhaps most surprising, we find that the behaviour of women with a migration background – who potentially face ‘double discrimination’– is not different from that of their male peers
Performance Insights of Leading Card Issuers: An Analysis of Accounting Practices, Financial Metrics, and Corporate Responsibility Amid Economic Disruption
No full textThis study provides a comparative analysis of the financial performance, operational efficiency, and sustainability practices of three leading payment card companies. The analysis spans the pre-COVID growth phase, the economic turmoil of 2020, and the recovery that followed in the post-pandemic period. The findings reveal that Visa and Mastercard, with their transaction-based, asset-light models, demonstrated superior resilience, financial stability, and adaptability. In contrast, American Express’s diversified, credit-exposed model resulted in higher operational costs and liquidity constraints during periods of market stress. This study emphasizes how agile strategies support stability, advancing research on financial agility and crisis management in the financial sector
Digital Mobility and Young Immigrants in Quebec: Toward a Typology of Platform Work
No full textYoung immigrants constitute an increasingly significant segment of Canada’s population, yet persistent disparities in employment opportunities remain between them and native-born workers. A growing number of these young individuals turn to digital mobility platforms—Uber, Uber Eats, Skip the Dishes, and DoorDash—that offer flexible income opportunities compatible with their academic, professional, familial, and personal commitments.
This paper explores the profiles and working conditions of young immigrants who engage with these platforms, and the challenges they face in this context. It presents qualitative data from interviews with 21 young immigrant workers, to deepen understanding of their work and employment realities
The Heterogeneous Effects of the Music Modernization Act and Co-Occurring Federal Regulation on the Release of New Music in the United States
No full textI examined the impact of the Music Modernization Act (MMA) and a co-occurring regulation on the release activity by composers and musical performers. The analysis uses a negative binomial count model with artist fixed effects to identify incremental release activity. Demographic and music copyright covariates were included to identify heterogeneity. While not impacting release activity overall, I identified increased release activity among composers (increasing with composer credits) as well as younger and female performers. These findings are observed in two instances: (1) during the post-period after the MMA was enacted and (2) during the negotiation period while the MMA was written and debated. Additionally, while there has been a significant increase in the release of singles, this phenomenon appears to be driven by the growth of music streaming. This work identifies the extent to which this new law and federal regulation have encouraged recording artists to increase their release activity
Valuing Ecosystem Services in the Ecuadorian Amazon: Strategic Applications of ESVD-Based Benefit Transfer for Conservation Finance
No full textThis paper demonstrates how ecosystem service valuation can inform conservation finance strategies using the Benefit Transfer Method (BTM) and internationally recognized valuation databases. We apply the Ecosystem Services Valuation Database (ESVD) to estimate the economic value of services provided by a 60-hectare property in the Ecuadorian Amazon. Using BTM, we compare Net Present Value outcomes across three scenarios: Carbon Sequestration Only, Extractive Use, and Full Ecosystem Services. Results show that the full valuation scenario—i.e. the “True Economic Value” (TEV)—far exceeds the outcomes in both the carbon-only and extractive-use cases. By year 100, this value is 4.8 times greater than extractive use and 3.1 times greater than carbon-only, underscoring the long-term importance of intact ecosystems. We then examine financing pathways, including payments for ecosystem services (PES), biodiversity credits, conservation easements, and REDD+, and propose investment structuring options informed by ESVD-derived valuation. Drawing on recent developments, we argue for diversified, multi-service approaches that more fully capture the ecological and economic value of tropical forests
Digital Currencies in Context: A Cross-Regional Study of Blockchain Adoption in the U.S. and Europe
No full textThis article examines the adoption of blockchain and cryptocurrency within the digital transformation of the U.S. and European economies. It analyzes external and internal factors limiting diffusion and outlines three schools of thought among economists—from skeptics to advocates of technological growth. Using theoretical analysis, empirical data, and assessments from international organizations, the study finds that blockchain and cryptocurrencies hold significant yet delayed potential as drivers of structural economic transformation. The authors emphasize the importance of institutional maturity, regulatory harmonization, and the development of digital literacy to achieve a macro-level impact
Exploring the Disposition Effect in Trading: A Qualitative Analysis of Emotional Influences
No full textOur study employs a qualitative and inductive methodology to examine the disposition effect in trading, capturing decision nuances and emotions that are often overlooked by quantitative tools. We ran a three-day simulation with eight management students, each managing a €100,000 virtual CAC 40 portfolio. To strengthen engagement, we introduced a non-monetary incentive in addition to hourly compensation. The experiment unfolded in a mildly declining CAC 40 environment, heightening worries about portfolio losses and fostering behavioral biases. After the simulation, we conducted semi-structured interviews and performed a structured thematic analysis, which was carried out by the three authors. The central theme is investors’ emotional reactions to fluctuations, which shape the disposition effect. On losses, participants reported stress, frustration, and resignation; they often held losing positions hoping for a rebound, delayed selling, and sometimes felt “abandonment” as losses deepened. On gains, fear of reversal and general risk aversion produced hesitation and rapid profit-taking, even for small gains. Across cases, emotions repeatedly conflicted with rational plans, steering decisions toward loss aversion and premature realization of gains