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Microfinance emerged as an essential catalyst for socio-economic development and financial inclusion to reduce poverty. Microfinance institutions cannot meet their primary objective of poverty reduction if they are not sustainable financially. With the theoretical support of profit incentive theory, this paper aims to investigate the impact of organizational structure (OS), growth outreach (average loan per borrower [ALPB] and number of active borrowers), women empowerment (percentage of women borrowers [PWB]), liquidity, leverage and cost efficiency (cost per borrower) on the financial sustainability of microfinance providers (MFPs) in India and explore the possible moderating effect of the national governance indicators (NGIs).

A financial sustainability index has been developed by using principal components analysis, including both conventional measures (return of assets and return on equity) and efficiency measures (operational self-sufficiency and financial self-sufficiency). Due to the existence of endogeneity and heteroskedasticity, this study uses two-step system generalized method of moments estimates to examine the relationships for a period of 2006 to 2018.

The finding reveals that there is a strong significant relationship between financial sustainability and its influential factors. Organizatioanl Structure, loan size, women borrowers, Gross Domestic Products and inflation enhance the financial sustainability of India’s microfinance sector. However, a number of borrowers, liquidity, leverage and operating costs negatively affect the financial sustainability of MFPs of India. The estimates demonstrate that NGIs significantly moderate the association between financial sustainability and its influential factors. The NGIs negatively affect the positive impact of Organizatioanl Structure on financial sustainability. National governance increases the positive effect of loan size (ALPB) and reduces the negative effect of a number of borrowers and leverage on the financial sustainability of MFPs of India. However, NGIs negatively affect the positive relationship between Percentage of Women Borrowers and Financial sustainability of Microfinance Providers of India.

To the best of the authors’ knowledge, this study is the first of its kind that incorporates all of the six dimensions of the National Governance Indicators (NGIs) and uses as a moderator. Secondly, a financial sustainability index has been developed for measuring the financial sustainability of Microfinance Providers (MFPs).

The particle distribution in a fluid is mostly not homogeneous. The inhomogeneous dispersion of solid particles affects the velocity profile as well as the heat transfer of fluid. This study aims to highlight the effects of varying density of particles in a fluid. The fluid flows through a wavy curved passage under an applied magnetic field. Heat transfer is discussed with variable thermal conductivity.

The mathematical model of the problem consists of coupled differential equations, simplified using stream functions. The results of the time flow rate for fluid and solid granules have been derived numerically.

The fluid and dust particle velocity profiles are being presented graphically to analyze the effects of density of solid particles, magnetohydrodynamics, curvature and slip parameters. Heat transfer analysis is also performed for magnetic parameter, density of dust particles, variable thermal conductivity, slip parameter and curvature. As the number of particles in the fluid increases, heat conduction becomes slow through the fluid. Increase in temperature distribution is noticed as variable thermal conductivity parameter grows. The discussion of variable thermal conductivity is of great concern as many biological treatments and optimization of thermal energy storage system’s performance require precise measurement of a heat transfer fluid’s thermal conductivity.

This study of heat transfer with inhomogeneous distribution of the particles in a fluid has not yet been reported.

Decision-making, reinforced by artificial intelligence (AI), is predicted to become potent tool within the domain of supply chain management. Considering the importance of this subject, the purpose of this study is to explore the triggers and technological inhibitors affecting the adoption of AI. This study also aims to identify three-dimensional triggers, notably those linked to environmental, social, and governance (ESG), as well as technological inhibitors.

Drawing upon a six-step systematic review following the preferred reporting items for systematic reviews and meta analysis (PRISMA) guidelines, a broad range of journal publications was recognized, with a thematic analysis under the lens of the ESG framework, offering a unique perspective on factors triggering and inhibiting AI adoption in the supply chain.

In the environmental dimension, triggers include product waste reduction and greenhouse gas emissions reduction, highlighting the potential of AI in promoting sustainability and environmental responsibility. In the social dimension, triggers encompass product security and quality, as well as social well-being, indicating how AI can contribute to ensuring safe and high-quality products and enhancing societal welfare. In the governance dimension, triggers involve agile and lean practices, cost reduction, sustainable supplier selection, circular economy initiatives, supply chain risk management, knowledge sharing and the synergy between supply and demand. The inhibitors in the technological category present challenges, encompassing the lack of regulations and rules, data security and privacy concerns, responsible and ethical AI considerations, performance and ethical assessment difficulties, poor data quality, group bias and the need to achieve synergy between AI and human decision-makers.

Despite the use of PRISMA guidelines to ensure a comprehensive search and screening process, it is possible that some relevant studies in other databases and industry reports may have been missed. In light of this, the selected studies may not have fully captured the diversity of triggers and technological inhibitors. The extraction of themes from the selected papers is subjective in nature and relies on the interpretation of researchers, which may introduce bias.

The research contributes to the field by conducting a comprehensive analysis of the diverse factors that trigger or inhibit AI adoption, providing valuable insights into their impact. By incorporating the ESG protocol, the study offers a holistic evaluation of the dimensions associated with AI adoption in the supply chain, presenting valuable implications for both industry professionals and researchers. The originality lies in its in-depth examination of the multifaceted aspects of AI adoption, making it a valuable resource for advancing knowledge in this area.

The purpose of this study is to extensively explore the vehicular network paradigm, challenges faced by them and provide a reasonable solution for securing these vulnerable networks. Vehicle-to-everything (V2X) communication has brought the long-anticipated goal of safe, convenient and sustainable transportation closer to reality. The connected vehicle (CV) paradigm is critical to the intelligent transportation systems vision. It imagines a society free of a troublesome transportation system burdened by gridlock, fatal accidents and a polluted environment. The authors cannot overstate the importance of CVs in solving long-standing mobility issues and making travel safer and more convenient. It is high time to explore vehicular networks in detail to suggest solutions to the challenges encountered by these highly dynamic networks.

This paper compiles research on various V2X topics, from a comprehensive overview of V2X networks to their unique characteristics and challenges. In doing so, the authors identify multiple issues encountered by V2X communication networks due to their open communication nature and high mobility, especially from a security perspective. Thus, this paper proposes a trust-based model to secure vehicular networks. The proposed approach uses the communicating nodes’ behavior to establish trustworthy relationships. The proposed model only allows trusted nodes to communicate among themselves while isolating malicious nodes to achieve secure communication.

Despite the benefits offered by V2X networks, they have associated challenges. As the number of CVs on the roads increase, so does the attack surface. Connected cars provide numerous safety-critical applications that, if compromised, can result in fatal consequences. While cryptographic mechanisms effectively prevent external attacks, various studies propose trust-based models to complement cryptographic solutions for dealing with internal attacks. While numerous trust-based models have been proposed, there is room for improvement in malicious node detection and complexity. Optimizing the number of nodes considered in trust calculation can reduce the complexity of state-of-the-art solutions. The theoretical analysis of the proposed model exhibits an improvement in trust calculation, better malicious node detection and fewer computations.

The proposed model is the first to add another dimension to trust calculation by incorporating opinions about recommender nodes. The added dimension improves the trust calculation resulting in better performance in thwarting attacks and enhancing security while also reducing the trust calculation complexity.

The global market for cloud gaming is growing rapidly. How gamers evaluate the service quality of this emerging form of cloud service has become a critical issue for both researchers and practitioners. Building on the literature on service quality and software as a service, this study develops and validates a gamer-centric measurement instrument for cloud gaming service quality.

A three-step measurement instrument development process, including item generation, scale development and instrument testing, was adopted to conceptualize and operationalize cloud gaming service quality.

Cloud gaming service quality consists of two second-order constructs of support service quality and technical service quality with seven first-order dimensions, namely rapport, responsiveness, reliability, compatibility, ubiquity, smoothness and comprehensiveness. The instrument exhibits desirable psychometric properties.

Practitioners can use this new measurement instrument to evaluate gamers' perceptions toward their service and to identify areas for improvement.

This study contributes to the service quality literature by utilizing qualitative and quantitative approaches to develop and validate a new measurement instrument of service quality in the context of cloud gaming and by identifying new dimensions (compatibility, ubiquity, smoothness and comprehensiveness) specific to it.

This study aims to investigate the association of FinTech innovation (FinTechINN) and firm performance (FP) by considering the role of knowledge assets (KA) as a causal mechanism underlying the FinTechINN – FP association.

In this study, the authors consider panel data of 1,049 Chinese A-listed firm and construct a structural model for corporate FinTech innovation, knowledge assets and firm performance while considering endogeneity issues in analyses over the period of 2014–2022. The modified value added intellectual capital (VAIC) and research and development (R&D) expenses are used as a proxy measure for knowledge assets, considering governance and corporate performance measures.

According to the findings of this study FinTech innovation (FinTechINN) has a positive significant effect on firm performance. Particularly; the findings disclose that FinTech innovations has a link with knowledge assets, FinTech innovations indirectly affects firm performance, and the association between FinTech innovation and firm performance is partially mediated by knowledge assets (MVAIC and R&D expenses).

Rooted in the dynamic capability and resource-based view, this study pioneers an empirical exploration of the association of FinTech innovation with firm performance. Moreover, it introduces the novel dimension of knowledge assets (on firm-level), acting as a mediating factor with in this relationship.

This research examined the direct and indirect effect of university social responsibility (USR) on student loyalty through the mediation of service quality and university image.

The sample includes 35 students from Universitas Sarjanawiyata Tamansiswa, a private university, and 74 respondents from Universitas Sebelas Maret Surakarta, a state university, totaling 109 respondents. The data were obtained by sending a questionnaire in the form of Google Docs through the student WhatsApp groups at the universities. Furthermore, the four variable constructs were tested with loading factors to determine reliability, and Cronbach’s alpha was used to determine the construct validity. The research hypotheses were tested via path analysis using the WarpPLS 8.0 statistical tool.

The results showed that the image of the university mediates the relationship between USR and student loyalty. Meanwhile, service quality does not mediate the relationship. The USR had a direct relationship with service quality, university image and student loyalty. The image of the university also had a direct effect on student loyalty, while service quality had an insignificant effect on student loyalty. Therefore, based on the coefficient value, the indirect effect between USR and student loyalty through the image of the university is stronger than the direct effect between USR and student loyalty.

Several previous models examined the relationship between corporate social responsibility (CSR) and consumer loyalty in general, but this research has applications in the education sector with a different concept, namely USR with different measurements.

This study investigates the effect of intellectual capital (IC) and its components on the technical efficiency of Indian commercial banks after controlling the influence of bank-specific and macroeconomic variables.

The study selects a sample of 37 listed Indian commercial banks from 2005 to 2019 and uses the two-step data envelopment analysis (DEA) approach. Banks' technical efficiency scores are first estimated, while the relationship between IC and technical efficiency is examined in the second stage using the panel data Tobit model.

This study's findings suggest a fluctuating trend in the technical efficiency of Indian banks. Notably, from 2015 onwards, a declining technical efficiency trend is observed for all banks. However, private-sector banks outperform public-sector banks in terms of technical efficiency. This study's regression analysis indicates a positive relationship between IC and banks' technical efficiency scores. Further, by decomposing IC into its components like human capital, structural capital and capital employed, the study's findings show that human capital and structural capital enhance banks' technical efficiency. Notably, capital employed reduces technical efficiency. Moreover, bank size, diversification, capitalization, net interest margin and the country's growth rate significantly drive Indian banks' efficiency. In contrast, their operating cost ratio and the country's inflation negatively influence the same.

This study makes a novel endeavor to examine the IC and bank's technical efficiency nexus in the Indian context, encompassing a period of landmark banking reforms.

This study delves into the complex realm of consumer behavior by exploring the impact of distinct shopping motives, encompassing status, value and gratification, on store satisfaction within the domain of organic food retail. Moreover, it seeks to decipher the influence of perceptual disparities between male and female patrons on the intricate nexus between shopping experience and consumer loyalty within organic food stores.

A comprehensive dataset comprising responses from 400 participants was gathered and subjected to confirmatory analysis and structural equation modeling. These analytical tools were employed to dissect the data, validate the underlying research framework and unveil critical insights.

The empirical analysis, facilitated by structural equation modeling, substantiates that organic food stores prioritize the organic attribute, primarily centered on healthiness, often to the detriment of broader conceptual and social aspects. This validates the interplay between shopping experience dimensions, customer contentment, loyalty and the intent to revisit. Gender, as a moderator, exerts a discernible influence on these relationships, highlighting distinct shopping behaviors among male and female consumers when gauging the influence of shopping experience dimensions within organic food retail establishments.

The implications of this research resonate deeply within the organic food retail landscape. The insights garnered provide valuable guidance to organic food retailers aiming to enhance their store ambiance and allure, thereby fostering sustained customer satisfaction. This, in turn, augments the propensity for customer loyalty and repeat patronage, a particularly pressing concern in today's fiercely competitive retail milieu. Furthermore, the study carries significant ramifications for organic food producers and governmental entities, outlining a framework for augmenting the value proposition of organic foods in alignment with customer experiential paradigms.

In a milieu characterized by the emergence of novel product categories and industry entrants, the study fills a critical void by investigating customer satisfaction within the broader retail food sector, with specific focus on organic food stores. Moreover, the research embarks on a pioneering exploration of the prospective trajectory of organic food stores in the Indian context, employing a marketing lens and grounded in the theory of needs satisfaction.

A parabolic trough solar collector is an advanced concentrated solar power technology that significantly captures radiant energy. Solar power will help different sectors reach their energy needs in areas where traditional fuels are in use. This study aims to examine the sensitivity analysis for optimizing the heat transfer and entropy generation in the Jeffrey magnetohydrodynamic hybrid nanofluid flow under the influence of motile gyrotactic microorganisms with solar radiation in the parabolic trough solar collectors. The influences of viscous dissipation and Ohmic heating are also considered in this investigation.

Governing partial differential equations are derived via boundary layer assumptions and nondimensionalized with the help of suitable similarity transformations. The resulting higher-order coupled ordinary differential equations are numerically investigated using the Runga-Kutta fourth-order numerical approach with the shooting technique in the computational MATLAB tool.

The numerical outcomes of influential parameters are presented graphically for velocity, temperature, entropy generation, Bejan number, drag coefficient and Nusselt number. It is observed that escalating the values of melting heat parameter and the Prandl number enhances the Nusselt number, while reverse effect is observed with an enhancement in the magnetic field parameter and bioconvection Lewis number. Increasing the magnetic field and bioconvection diffusion parameter improves the entropy and Bejan number.

Nanotechnology has captured the interest of researchers due to its engrossing performance and wide range of applications in heat transfer and solar energy storage. There are numerous advantages of hybrid nanofluids over traditional heat transfer fluids. In addition, the upswing suspension of the motile gyrotactic microorganisms improves the hybrid nanofluid stability, enhancing the performance of the solar collector. The use of solar energy reduces the industry’s dependency on fossil fuels.