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The purpose of this study is to empirically investigate the relationship between a set of functional and social–psychological barriers and bank customers’ intention to fully adopt digital payment methods (DPMs).

The data were collected via an online questionnaire sent to two samples of Swedish bank customers, namely, adopters-accepters (i.e. young bank customers) and adopters-resisters (i.e. a group opposing a cashless society). Hypotheses were tested by applying an ordinal regression model.

Regarding the adopters-accepters, privacy and access barriers can be obstacles to the full adoption of DPMs. The adopters-resisters perceived all five studied barriers as significant, though only the impersonalisation barrier seemed to matter when the barriers were related to their intention to fully adopt DPMs. Moreover, the results suggest that barriers have a stronger negative effect on the intention to fully adopt among those with extensive experience of DPMs.

Based on the barriers affecting the intention of particular groups of bank customers to adopt DPMs, banks could implement customised measures to promote the ongoing development of digital financial services.

In this under-researched area, this study provides empirical knowledge of the influence of various barriers on the intention of bank customers characterised as adopters-accepters and adopters-resisters to fully adopt DPMs.

This paper aims to analyze the application of remotely piloted aircraft (RPA) for remote oil spill sensing.

This paper is an analysis of RPA strong points.

To increase the accuracy and eliminate potentially false contamination detection, which can be caused by external factors, an oil thickness measurement algorithm is used with the help of the multispectral imaging that provides high accuracy and is versatile for any areas of water and various meteorological and atmospheric conditions.

SWOT analysis of implementation of RPA for remote sensing of oil spills.

The use of RPA will improve the remote sensing of oil spills.

The concept of oil spills monitoring needs to be developed for quality data collection, oil pollution control and emergency response.

The research covers the development of a method and design of a device intended for taking samples and determining the presence of oil contamination in an aquatorium area; the procedure includes taking a sample from the water surface, preparing it for transportation and delivering the sample to a designated location by using the RPA. The objective is to carry out the analysis of remote oil spill sensing using RPA. The RPA provides a reliable sensing of oil pollution with significant advantages over other existing methods. The objective is to analyze the use of RPA employing all of their strong points. In this paper, technical aspects of sensors are analyzed, as well as their advantages and limitations.

The paper presents a techno-economic analysis of the electromechanical equipment of traditional vertical axis water mills (VAWMs) to help investors, mill owners and engineers to preliminary estimate related benefits and costs of a VAWM repowering.

Two sustainable repowering solutions were examined with the additional aim to preserve the original status and aesthetics of a VAWM: the use of a vertical axis water wheel (VAWW) and a vertical axis impulse turbine. The analysis was applied to a database of 714 VAWMs in Basilicata (Italy), with known head and flow.

Expeditious equations were proposed for both solutions to determine: (1) a suitable diameter as a function of the flow rate; (2) the costs of the electromechanical equipment; (3) achievable power. The common operating hydraulic range of a VAWM (head and flow) was also identified. Reality checks on the obtained results are shown, in particular by examining two Spanish case studies and the available literature. The power generated by the impulse turbine (Turgo type) is twice that of a VAWW, but it is one order of magnitude more expensive. Therefore, the impulse turbine should be used for higher power requirements (>3 kW), or when the electricity is delivered to the grid, maximizing the long-term profit.

Since there is not enough evidence about the achievable performance and cost of a VAWM repowering, this work provides expeditious tools for their evaluation.

This paper aims to report on a case study concerning the development of sustainable energy partnerships involving engineering faculty and undergraduate students at the University of Girona, Catalonia, Spain.

Faculty were motivated to seek partnerships with public and private entities in the local area for the purposes of realising mutually beneficial outcomes. The educational programmes of future engineers, when sustainability is considered, are analysed. Education for sustainable development has to include multidisciplinary active learning as a desirable competence. Active learning can be obtained when problems are based on real life because they are most motivating for students. Constructive alignment component is obtained because learning objectives are linked with learning activities related to the needs of public and private entities.

Through the provision of technical expertise, the adoption and success of renewable energy projects was facilitated on the one hand, while final year undergraduate students benefited in terms of hands-on experience in helping to bring these projects to life, drawing on the knowledge and skills they had acquired throughout their degree programmes. These works are addressed to students by faculty members with the aim of developing and promoting renewable energies. Outcomes from partnerships surpassed expectations; not only were different benefits realised as were initially hoped for, but this success led to partnerships being sustained over time.

Fossil fuel-based energy systems are associated with a myriad of negative environmental and social externalities. It is difficult to overstate the importance of transitioning towards alternative low carbon energy sources for climate change mitigation which are less centralised compared to the status-quo for energy security and energy independence. By actively facilitating the development of decentralised renewable energy sources in Catalonia, the projects reported herein are of significant value in social environmental and educational terms.

The purpose of this paper is to conduct a systematic review of the factors that shape tax morale. A large range of random explanatory variables identified in the literature as determinants of tax morale are synthesised and structured by drawing inspiration from the institutional theory.

To do this, a systematic search has been conducted using a library catalogue which provides access to more than 400 databases.

The finding is that the institutional theory provides a suitable theoretical basis to explore tax morale. Indeed, all the factors until now identified as determinants of tax morale (except the control variables/socio-demographic characteristics) can be categorised either as belonging to formal institutions or to informal institutions. The most salient factor is trust, with both vertical and horizontal trust positively related to tax morale.

The outcome is a call for a more nuanced understanding of not only the effect of formal and informal institutions on tax morale but also how formal and informal institutions interact and alter each other and, consequently, affect tax morale.

The paper seeks to encourage governments to start recognising that as low tax morale arises when a gap exists between formal and informal institutions, they need to design policy measures aimed to reduce this gap, rather than persisting with deterrence measures.

This is the first systematic review of the factors that influence tax morale using an institutionalist lens.

Listening to the customers has long been a key phrase and success element in product branding. This paper aims to highlight the importance of listening to residents during the branding of a place. The study explores ways of listening to residents to ensure they are heard and also discusses the challenges and benefits related to place branding flowing from having residents participate in decision-making processes.

Listening to residents and offering opportunities to participate requires place branders to fully attend to, comprehend and respond to residents’ comments, requests, ideas and feedback. This study reports on how two Nordic cities – Turku and Helsinki – listen to their residents. The data used comprise face-to-face interviews, telephone and e-mail conversations and documentary material.

Residents should not be considered as one homogeneous target; participation options and channels should be adapted to the demographics and geographic issues of the different regions and resident groups.

The role of residents and the importance of listening are crucial features in the emerging concept of inclusive place branding (Kavaratzis et al., 2017); its future conceptual development could benefit from the case examples at hand.

City authorities should listen to residents and provide them with opportunities to actively contribute to decision-making. Other cities could learn from the examples introduced in the paper.

This paper documents two Nordic examples of cities putting into practice a policy of listening to the residents, a previously neglected research area.