📈 economics

Business Correspondents (BCs) for Advancing Financial Inclusion: A Customer-Centric Study for Analyzing the performance of BC’s Operations

This empirical study of 400 customers in Kerala, India, utilizes Structural Equation Modeling to reveal that while Business Correspondents are preferred for financial services, their operations currently fall short of achieving full financial inclusion due to significant gaps in availability, accessibility, awareness, and affordability.

Muhammed Shafi M K2026-10-26
📈 economics

Forestry Leisure Tourism Development Efficiency in China: Dynamic Evolution, Spatial Spillovers, and Configurational Pathways

This study evaluates China's forestry leisure tourism development efficiency using advanced econometric and machine learning models to reveal that its growth is driven primarily by efficiency improvements, relies on complementary configurations of tourism foundations and ecological quality, and exhibits significant spatial spillovers requiring coordinated regional strategies.

Zhuang Ma, Ting Wang, Chunyang Han, Zhenhong Li2026-10-26
📈 economics

Networked Influence and Advertising Effectiveness: A Social Network Analytics-Informed Structural Equation Modeling Framework for Consumer Engagement in Digital Markets

This study proposes a two-stage research framework that integrates large-scale SAGraph social network analytics with a theory-driven Structural Equation Modeling (SEM) approach to empirically investigate how networked influence, contextual fit, and influencer credibility drive consumer engagement and advertising effectiveness, while explicitly distinguishing between existing computational benchmarks and a future-ready protocol for latent-variable inference.

Gurwinder Singh Badal, Balveer Singh Sidhu, Firdous Ahmad Malik, Subodh Saluja, Rahul Hakhu2026-10-26
📈 economics

ESG Rating Disagreement and Corporate Investment Efficiency: Evidence from China's A-Share Market

This paper demonstrates that ESG rating disagreement in China's A-share market exerts a dual effect on corporate investment efficiency by simultaneously increasing underinvestment and decreasing overinvestment, with the net disciplining impact on capital-dependent firms revealing that eliminating such disagreement could inadvertently relax a crucial market constraint on overinvestment.

Zhaoqian Feng2026-10-26
📈 economics

Demographic Change and Housing Transactions in Türkiye: A Spatial Durbin Analysis of Segment-Specific Demand and Regional Spillovers

Using a spatial Durbin analysis of Türkiye's 81 provinces from 2014 to 2024, this study reveals that demographic shifts, particularly the young-adult population share, drive housing transactions primarily through significant cross-regional spillovers, with distinct demand drivers differentiating mortgage-financed sales from cash purchases.

Kerem Yavuz ARSLANLI2026-10-23
📈 economics

Examining the Modified Utaut to Predict Factors of Islamic Fintech Usage Among Millennials in Malaysia

This quantitative study employs a modified UTAUT model incorporating financial and spiritual intelligence to analyze factors influencing Islamic Fintech adoption among Malaysian millennials, revealing that while most factors significantly predict behavioral intention, effort expectancy and spiritual intelligence do not.

Norafni @ Farlina Rahim, Mohammed BAKRI, Noval Adib, Muhammad Dimar Alam2026-10-23