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This chapter deals with the development of banking in the Crown of Aragon from the end of the thirteenth century through the establishment of money changers, which followed similar patterns as in other Western European territories. It starts with a review of existing literature and follows with an explanation on the different banking services provided by money changers and the specific legal framework that supported such activities. It then examines the geographical distribution of private banks in cities and towns within the domains of the kings of Aragon, as well as their evolution throughout the fourteenth century. After that, it offers an analysis of the most common professional profiles among these bankers and financers. Finally, drawing on a heterogeneous pool of unpublished data, it seeks to shed light on the diversity of investors and clients of these establishments, a crucial proof of their role in integrated financial markets.

This paper aims to analyze the implications of communicating customer involvement in the ideation and concept stage of new product development (NPD). This paper assesses the extent to which the awareness that a product was co-created jointly by company professional designers and consumers affects observer consumers’ attitudes toward the product and the company. While earlier research has mainly emphasized the positive and desirable consequences of consumer participation in NPD, the present set of studies shows that labeling products as having been co-created is not always valuable; rather, it is dependent on the level of perceived complexity of the products.

The hypotheses are tested in four experimental studies using several categories of product complexity (low, medium and high). The data have been collected on young adult samples, measuring the participants’ perceptions of a firm’s innovation ability and product purchase intentions.

The results suggest that there are benefits at the corporate level (higher perceptions of innovation ability) to inform the market about consumer involvement, particularly when consumers and company professionals work together. The findings also indicate that product complexity plays a critical role in translating the perceptions of greater corporate abilities (innovation) in purchase intention, and it is particularly beneficial for low-complexity products.

The previous research has mainly focused on the impact of involving consumers in firms and participating consumers; however, it has neglected the role of observer consumers. This study adds to the innovation literature by showing that the value of learning about other consumers’ involvement in firm NPD is not universally beneficial and that product complexity is a critical boundary condition.

The purpose of this paper is to analyze the influence of corporate support programs on managers' environmental and social innovation behaviors. To offer a more comprehensive understanding of these relationships, the moderating role of technological reflectiveness and business moral values is also accounted for.

A scenario-based experimental study to test the impact of corporate support programs on environmental and social innovation behaviors is also adopted. After running a pretest to verify the effectiveness of alternative scenarios through 100 respondents with managerial experience residing in the UK and EU countries, we collected data from a sample of 220 senior managers of firms from the Australian food and beverage industry for the main study. One-way analysis of variance (ANOVA) with Dunnett's test to investigate direct relationships and the PROCESS Model to test the moderating role of technological reflectiveness and business moral values were used.

The findings reveal time provision, budget provision and advice provision as salient forms of corporate support programs that positively impact managers' environmental and social innovation behaviors. It is found that technological reflectiveness positively moderates the link between time provision and managers' social innovation behavior and negatively moderates the link between advice provision and managers' social innovation behavior. Furthermore, it is found that business moral values positively moderate the relationships between time and budget provisions and managers' environmental innovation behavior and between budget and advice provisions and managers' social innovation behavior.

The authors contribute to innovation and operations management research by adopting a behavioral operations management perspective and empirically analyzing the influences of managers' technological reflectiveness and business moral values on the relationship between organizational corporate support programs and managers' environmental and social innovation behavior in the context of the food and beverage industry.

Online businesses require a deep understanding of their customers’ interests to innovate and develop new products and services. Users, on the other hand, rarely express their interests explicitly. The purpose of this study is to predict users’ implicit interest in products of an online store based on their mouse behavior through various product page elements.

First, user mouse behavior data is collected throughout an online store website. Next, several mouse behavioral features on the product pages elements are extracted and finally, several models are extracted using machine learning techniques to predict a user’s interest in a product.

The results indicate that focusing on mouse behavior on various page elements improves user preference prediction accuracy compared to other available methods.

User mouse behavior was used to predict consumer preferences in this study, therefore gathering additional data on user demography, personality dimensions and emotions may significantly aid in accurate prediction.

Mouse behavior is the most repeated behavior during Web page browsing through personal computers and laptops. It has been referred to as implicit feedback in some studies and an effective way to ascertain user preference. In these studies, mouse behavior is only assessed throughout the entire Web page, lacking a focus on different page elements. It is assumed that in online stores, user interaction with key elements of a product page, such as an image gallery, user reviews, a description and features and specifications, can be highly informative and aid in determining the user’s interest in that product.

Industry 4.0 or digitization, from a regional innovation system (RIS) and policy perspective to improve regional innovation, is over-looked. Specifically, this paper aims to focus on analyzing the nascent European Commission (EC) digital innovation hub (DIH) program, designed for fostering transition into Industry 4.0 in regions and facilitating new path development.

Empirically, 10 Spanish DIH is explored through interviews and secondary data analysis.

The results suggest that DIHs despite their emerging and trial-and-error stage are designed for promoting multi-actor collaborative platforms including non-local actors to stimulate transition into Industry 4.0 by promoting place-based collaboration alliances that respond to local/regional contextual specificities and demands. These regional-based platforms facilitate public-private partnerships that co-design policy initiatives resulting from co-participation and negotiation of spatially-bounded oriented initiatives for digitizing.

The authors answer: what are the key characteristics of emerging European-level regional innovation policies aimed at facilitating Industry 4.0 in regions? This is the first study on the topic.

The pervasive spread of digital technologies brought an incredible boost in data availability. Companies are dealing with massive amount of data that wait to be exploited. At the same time, scholars are providing different strategies and methods to help companies capture the value embedded in their data to foster innovation and improve the efficiency of existing processes. In these research studies, data are the by-product of something else, and they are a silent asset that needs to be exploited. What if data might be considered the final goal? The paper aims to discuss these issues.

The research is based on an exploratory multiple case study analysis, on the basis of three cases used as an illustration for new ideas. In particular, the gathered data are analyzed according to models previously presented in the literature review, building on and expanding them.

The research proposes a data-driven approach to innovation, offering a peculiar view of the innovation process. The trigger point is the need of data that let begin the entire development process of a complex system. In this perspective, the application that data are a by-product of the entire innovation process and not the primary output is peculiar since the vast majority of the literature consider data as the by-product of the primary product.

Future research is needed to assess the replicability of the model outside the mobile app industry and to measure its performances. Nevertheless, this paper provides insights both for scholars and managers, enlarging the discussion on digital innovation and digital business models.

The results provide a development process to foster innovation relying on the need of data as the trigger point, guiding entrepreneurs and managers in the building process of the entire digital system.

Previous research studies often considered Big Data (BD) in innovation as a way to enlarge the current product offer or to make the innovation process more effective or efficient; this paper changes the perspective by considering BD as the trigger and the enabler of the entire digital innovation process.

Micropollutants in the aquatic environment pose threats to both ecosystems and human health. Traditional wastewater treatment plants (WWTP) reduce some micropollutants, especially those who adhere to sludge or suspended matter. The hydrophilic micropollutants, on the other side, which may be non-biodegradable and resistant to UV-treatment etc. are typically transported untreated into the water recipients. This paper contains a literature study on the state of the art of advanced wastewater treatment technologies for reducing micropollutants such as pharmaceutical degradation products, personal care products, surfactants and industrial chemicals including heavy metals.

This literature study is completed using the most extensive and expansive literature database in the World to date, Google Scholar (GS). Published papers in recognized scientific journals are sought out in GS, and for relevance for this literature study, papers published here from 2016 and onwards (the last 5 years) have been chosen to eliminate irrelevant studies.

The result of the study is that there are many promising technologies on the market or emerging; however, no one solution treats every micropollutant equally well. Since advanced technologies often require expensive investments for municipalities and companies, it is important to identify which micropollutants pose the highest risk towards human health and the environment, because choosing systems to eliminate them all is not economically wise, and even choosing a system combining the existing technologies can be more expensive than states, municipalities and private companies are capable of investing in.

The research is limited to published papers on GS, which may omit certain papers published in closed databases not sharing their work on GS.

The practical implications are that practitioners cannot find go-to solutions based on the conclusions of the research and thus need to use the results to investigate their own needs further in order to make the wisest decision accordingly. However, the paper outlines the state of the art in advanced wastewater treatment and explains the benefits and downsides of the technologies mentioned; however, more research in the field is required before practitioners may find a proper solution to their specific issues.

The social implications are that the consequences of introducing a removal of micropollutants from the water environment can ultimately effect the citizens/consumers/end-users through added costs to the tariffs or taxes on advanced wastewater treatment, added costs on everyday goods, wares and products and added costs on services that uses goods, wares and products that ultimately produces micropollutants affecting the water environment.

This paper presents a much needed state of the art regarding the current advanced technologies to mitigate micropollutants in wastewater. The overview the paper provides supports politics on national as well as international levels, where larger unions such as the EU has stated that advanced wastewater treatment will be the next step in regulating pollutants for aquatic outlet.

The purpose of this literature review is to investigate the reliability of self-evaluation as a method for measuring the effect(s) of indoor environment quality (IEQ) on the productivity of office workers. The aim of this review is to identify the various constraints to its adequacy in measuring productivity.

Thirty studies were selected from peer-reviewed sources and reviewed on their method of measuring productivity. These studies used self-evaluation (questionnaires or interview) as the sole method of measuring the effect of IEQ on productivity/performance.

This review provides insight on the insufficiencies and biases prevalent in self-evaluation. Various issues that compromised the reliability of self-evaluation results in an office environment were discussed. It was concluded that self-evaluation is not reliable and does not accurately measure occupant productivity.

This study has been a review of past studies and their findings. Further studies that will provide empirical evidence are required to solely test the reliability of self-evaluation in measuring productivity and the effect of factors such as IEQ on it.

The paper calls for further debate on occupant productivity measurement and how the various factors that affect it can be quantified into measurable entities.

This paper fulfils an identified need to revisit the technique of self-evaluation as a method for measuring occupant productivity.