📈 economics

Medical Loss Ratio and Accounting-Based Financial Fragility among Brazilian Health Plan Operators: A Predictive Panel Study

This predictive panel study demonstrates that a high Medical Loss Ratio (MLR) serves as a significant, threshold-based early-warning indicator for future financial fragility, market exit, and forced regulatory exit among Brazilian health plan operators, particularly when MLR exceeds 0.835, though it functions best as a partial marker rather than a standalone screening tool.

Hudson Fernando Couto, Antônio Artur de Sousa2026-07-15
📈 economics

Green Digital Transformation and Sustainable Growth of Small and Medium-sized Enterprises in Vietnam

Drawing on Dynamic Capability Theory, Resource-Based View, and Natural Resource-Based View, this study of 388 Vietnamese SMEs demonstrates that digital transformation drives sustainable growth by enhancing green transformation capabilities and organizational adaptability, which in turn foster green innovation and resource optimization.

THAN TRONG THUY, NGUYEN THI MONG THU, TRAN NHAT TRUONG2026-07-15
📈 economics

Scenario-Based Markov Modeling: An Exploratory Analysis of AI's Potential Impact on Customer Retention – The Netflix Case

This exploratory study utilizes a Markov chain simulation and theoretical frameworks to demonstrate that, under specific assumptions, AI-driven personalization mechanisms could hypothetically more than double customer retention for Netflix compared to a low-AI baseline, while highlighting the need to view AI as a dynamic capability and addressing associated ethical concerns.

Tahar Braknia2026-07-15
📈 economics

Global GHG Emission Dynamics, Regional Convergence, and Cross-Border Emission Spillovers: Evidence from a Hierarchical Dynamic Factor Model

Using a hierarchical Dynamic Factor Model on global EDGAR data from 1970 to 2024, this study reveals that greenhouse gas emissions are driven primarily by structural forces rather than climate policies, exhibit a persistent two-club divergence pattern across regions, and show evidence of significant cross-border spillovers from Europe to North America and Latin America, though causal attribution to carbon leakage remains statistically inconclusive.

Aránzazu de Juan Fernández2026-07-15
📈 economics

Evaluating trade-offs of net private and net social benefit – an integrated assessment framework for biomass utilization pathways

This study proposes an integrated assessment framework combining techno-economic analysis, life cycle assessment, and externality monetization to evaluate the trade-offs between net private and net social benefits across diverse biomass utilization pathways, demonstrating through a German miscanthus case study that while bioenergy and biochar carbon removal differ in financial viability, both can generate positive societal value.

Johanna Ruett, Ali Abdelshafy, Grit Walther2026-07-15