📈 economics

Beyond Account Ownership: Digital Payments and Formal Savings as Robust Correlates of Financial Inclusion, 2011–2024

Analyzing six waves of the World Bank Global Findex Database from 2011 to 2024, this study reveals that while global account ownership has significantly increased, digital payment usage and formal savings behavior are the most robust correlates of financial inclusion, suggesting that policy efforts should prioritize these usage dimensions over mere account ownership or credit access.

Isaac Nyame, Baffour Osei, Abigail Boatemaa, Gabriel Osei Forkuo2026-07-21
📈 economics

Reflexive Digital Twin Marketing Theory: Governing Algorithmic Marketing Agents Through Reinforcement Learning

This paper proposes Reflexive Digital Twin Marketing Theory (RDTMT), a framework developed through a scoping review of 742 records and formalized via reinforcement learning equations, which redefines algorithmic marketing as a co-evolving sociotechnical system governed by constructs like Digital Reflexivity and Ethical Feedback Elasticity to better evaluate and audit the ethical responsiveness of marketing agents toward consumers.

Atantra Dasgupta, Prof Kirti Sharma2026-07-21
📈 economics

Helium Shortages Persist Through Geopolitical Tensions and Supply Chain Disruptions: Effects on the Semiconductor Industry

Geopolitical tensions, specifically the closure of the Strait of Hormuz in February 2026, have exacerbated global helium shortages by disrupting the supply of high-purity 6N-grade helium from Qatar to major Northeast Asian semiconductor manufacturers, thereby threatening chip production and driving up costs despite emerging reserve projects.

Sabah Al Rawahi2026-07-21
📈 economics

Procurement Certainty, Coordination Amplification, and Acreage Lock-in: Graduated Intensity Identification and Panel Quantile Evidence from Maharashtra, India

This paper demonstrates that cooperative sugarcane mill density in Maharashtra creates a self-reinforcing coordination equilibrium that locks in acreage and amplifies persistence across districts, a structural inertia that digital information interventions like the AgriStack Farmers' Registry fail to disrupt.

Prakash Gurumurti Vhankade2026-07-21