📈 economics

Mobile Banking Features User Trust and Financial Inclusion among Premier Wallet Users in Somalia

This study of 272 Premier Wallet users in Mogadishu, Somalia, reveals that mobile banking features significantly drive financial inclusion, both directly and indirectly through user trust, while these relationships are further shaped by demographic factors such as age, gender, employment status, and income.

Mahad Abdiwali Mohamed, Ali Abdulkadir Ali Gutale, Ahmed Nur Dirie, Abdiaziz Bashir Mohamud, Ali Yasin Sheikh Ali, Husse (…)2026-09-23
📈 economics

Benchmarking a Seasonal Resort Against Its Own Operating Months Through Dynamic Network Data Envelopment Analysis

This study introduces a Dynamic Network Data Envelopment Analysis framework that benchmarks a seasonal Mediterranean resort by evaluating its individual operating months as decision-making units, thereby isolating management performance from destination-specific factors and revealing that scale inefficiency driven by low-season operating leverage is the primary source of performance shortfalls.

ÇAĞDAŞ YILDIZ, ADEM TÜZEMEN2026-09-23
📈 economics

From Values to Innovation: Behavioral Dynamics of Energy Efficiency and AI-adoption in Small and Medium-sized Enterprises

This study integrates Value-Belief-Norm and Diffusion of Innovation theories to reveal that while biospheric values and perceived benefits drive energy-efficiency behaviors and AI adoption intentions among New York SMEs, a significant gap often remains between these intentions and actual organizational implementation due to resource constraints.

Sumeyra DANISMAN, Elizabeth Hewitt2026-09-23
📈 economics

Measuring Algorithmic Monoculture in Credit Intermediation: Supply-Chain Concentration, Decision Convergence, and the Case for Reference-Portfolio Supervision

This paper addresses the lack of measurement frameworks for algorithmic monoculture in credit intermediation by distinguishing between supply-chain concentration and decision convergence, developing a model showing that shared models can destabilize credit supply when error correlation rises faster than variance falls, and proposing a reference-portfolio supervision approach to estimate error correlation while arguing against premature capital add-ons in favor of building robust measurement capabilities.

Deepak Ranjan Sahoo, Vaishali Deepak Sahoo2026-09-23
📈 economics

Optimal government subsidy strategies for improving charging stations in ride-hailing services

This paper utilizes a competitive model to demonstrate that while charging and usage subsidies are mutually substitutive, building subsidies become the dominant strategy for optimizing ride-hailing charging infrastructure once they exceed a specific threshold, with regional development levels further dictating the most suitable subsidy approach.

Bin Li, Luhan Liu, Xinjie Wang, Ninghao Chen, Meng Zhao2026-09-23
📈 economics

Historical-Memory Equity Selection: A Comparative Study of Retrieval, Neural Prediction, and Adaptive Mixing

This study evaluates a memory-centered framework for intermediate-horizon equity selection across six markets and finds that while the approach makes retrieval decomposable, similarity-based memory selection fails to outperform random precedents or historical benchmarks, ultimately showing no statistically significant improvement in portfolio performance compared to passive strategies.

Rohil Gujarathi, Sangeeta Oswal, Vaibhav Goyal, Anjali Yeole2026-09-23