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The objective of this study is to investigate the impact of the COVID-19 pandemic on the consumer payment behavior in Italy by correlating financial literacy with digital payment awareness, examining media anxiety and financial security, and including a gender analysis.

Consumers’ attitudes toward cashless payments were investigated using an online survey conducted from November 2021 to February 2022 on a sample of 836 Italian citizens by considering the behavioral characteristics and aspects of financial literacy. Structural equation modeling (SEM) was used to test the hypotheses and to determine whether the model was invariant by gender.

The analysis showed that the fear of contracting COVID-19 and the level of financial literacy had a direct influence on the payment behavior of Italians, which was completely different in its weighting. Fear due to the spread of news regarding the pandemic in the media indirectly influenced consumers’ noncash attitude. The preliminary results of the gender multigroup analysis showed that cashless payment was the same in the male and female subpopulations.

This research is noteworthy because of its interconnected examination. It examined the effects of the COVID-19 pandemic on people’s payment choices, assessed their knowledge, and considered the influence of media-induced anxiety. By combining these factors, the study offered an analysis from a gender perspective, providing understanding of how financial behaviors were shaped during the pandemic.

This study aims to analyze the perceptions of smallholder farmers on climate change and events and further explores climate change adaptation strategies and associated challenges. The findings provide useful information for enhancing the adaptive capacity of smallholder farmers to adjust to climate-related hazards and improve their resilience and disaster preparedness in northern Ghana.

This study uses a multistage sampling procedure and sample size of 150 farmers, the Binary Probit Model (BPM), to identify and examine the determinants of climate change adaptation strategies adopted by smallholder farmers. Also, the constraints of adaptation were analyzed using Kendall’s coefficient of concordance.

The results from the BPM and statistics of Kendall’s coefficient revealed that the farm risk level, ability to adapt, farmer’s income, age, farming experience, climate change awareness and extension visits were factors that significantly influenced the adaptation strategies of smallholder farmers (in order of importance). The majority (60%) of the farmers ranked farm risk level as the major constraint to adopting climate change strategies.

The findings of this study enhance understanding on access to relevant and timely climate change adaptation information such as an early warning to farmers during the start of the farming/rainy season to support their adaptive responses to climate change.