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This study aims to gain insight into the motivations behind the decision to use high-cost payday loans by households who possess mainstream credit and to determine whether this behavior has changed over time.

Using data from Statistics Canada’s Surveys of Financial Security, probit models are used to examine the sociodemographic and financial indicators associated with payday loan use.

The analysis uncovers the sociodemographic and financial characteristics of payday loan-user households with access to lower-cost short-term loans. The findings indicate that the likelihood of payday loan use has risen over time. Additional analysis reveals that indicators of financial instability are positively associated with payday loan use among this group.

This research highlights the dichotomy of payday loan users and recommends policymakers tailor solutions to the specific needs of different types of payday loan users.

This research highlights the distinguishing sociodemographic and financial characteristics of payday loan user households and recommends policymakers tailor solutions to the specific needs of different types of payday loan users.

This is the first study, to our knowledge, to focus analysis on payday loan use of those with access to lower-cost short-term credit alternatives in Canada and to include measures of financial instability in the analysis. This research is timely given the current economic environment of high interest rates and high levels of household debt.

A region’s transforming care partnership identified that autistic adults without an intellectual disability (ID) may be falling through gaps in services when presenting with a significant emotional and/or behavioural need in the absence of a mental health diagnosis. The region’s intensive support teams (ISTs) for adults with ID therefore piloted a short-term “behavioural support service” for this population. The purpose of this paper is to evaluate this pilot.

This study represents a mixed-methods service evaluation over a four year pilot period. The quantitative component examined referral rates and demographic data of accepted and declined referrals; and length of referral episodes and Health of The Nation Outcomes Scores (HoNOS) for accepted referrals. The qualitative component used thematic analysis to identify key themes relating to reasons for referral, clinical/therapeutic needs, and the models of support that most informed assessments and interventions at individual and systems levels.

The ISTs accepted 30 referrals and declined 53. Most accepted referrals were male (83%), and under 24 years old (57%). Average HoNOS scores were above the thresholds generally associated with hospital admission. Key qualitative themes were: transitional support; sexual risks/vulnerabilities; physical aggression; domestic violence; and attachment, trauma and personality difficulties. Support mostly followed psychotherapeutic modalities couched in trauma, attachment and second- and third-wave cognitive behavioural therapies. Positive Behaviour Support (PBS) did not emerge as a model of preference for service users or professionals.

This project represents one of the first of this type for autistic adults without an ID in the UK. It provides recommendations for future service development and research, with implications for Transforming Care policy and guidance.

The purpose of this paper is to calculate the financial inclusion index and analyze its dynamics in developing countries.

The authors use the two-stage principal component analysis (PCA) method and consider financial technology innovations to improve the accuracy of the financial inclusion index.

The authors found a downward trend in the financial inclusion index in most developing countries over the study period. The authors also found that a high financial inclusion index is linked to high scores in the Doing Business and high business climate regulation ranking. In addition, the authors observed that the rates of low financial inclusion in developing countries are due to low utilization of and unequal access to financial services.

The analysis suggests that policymakers in developing countries could invest in digital infrastructure to extend access to financial services in remote areas. They could also encourage financial innovation, particularly in financial technologies, by adopting flexible regulatory frameworks. Promoting the financial inclusion of marginalized groups through targeted initiatives tailored to their needs is another solution. They could also encourage the use of financial services by raising awareness and educating populations through training programs. Finally, to improve the business climate, governments could simplify administrative procedures and promote transparency and legal stability.

Unlike previous studies, the use of the two-stage PCA method and the consideration of financial technology (Fintech) innovations such as mobile money in the determinants of the financial inclusion index improve the accuracy of the index.

This chapter embarks on a cross-Asian comparison to glean valuable insights from various regions and religious contexts. By examining family planning practices and challenges in different parts of Asia, valuable lessons are uncovered that can inform policies, programs, and initiatives aimed at achieving family planning-related sustainable development goals (SDGs). The complexities and nuances of family planning across diverse cultural, social, and religious landscapes are delved into, shedding light on both common threads and unique challenges faced by marginalized communities. Through this comparative analysis, the aim is to contribute to a holistic understanding of family planning in Asia and provide actionable recommendations to enhance access, equity, and outcomes in pursuit of family planning-related SDGs.

This article aims to explore the concept of chain value of the public port system in Ecuador from the perspective of importing/exporting companies, analyzing how perceived value in the use of port services affects customer satisfaction and the intermediate links of the influence of trust and commitment on customer loyalty.

Relying on a survey of 634 Ecuadorian companies with experience in international trade as port users and a theoretical framework well-established in the literature on consumer behavior, the empirical study found evidence of a positive and significant relationship with the knowledge of chain effects.

The findings confirm the chain effect and reveal ways to maintain an ongoing satisfactory, trust and committed relationship with users, thereby ultimately gaining and maintaining their loyalty. The conclusions suggest how this postulate can help to close the gap referred to the effective management of port services, and point out that port managers should be concerned with a continuous in-depth understanding of the perceived value and its chain effects.

The authors add evidence of the use of the postulate of the chain of effects on these dimensions, whose applicability is very well established, tested and consensual for the doctrine in industrial marketing. In contrast, it is scarcely present in the port relationship with its users.

Digital platforms (DP) are transforming service delivery and affecting associated actors. The position of DPs is impacted by the regulations. However, emerging economies often lack the regulatory environment to support DPs. This paper aims to explore the regulatory developments for DPs using the multi-level perspective (MLP).

The paper explores regulatory developments of ride-hailing platforms (RHPs) in India and their impacts. This study uses qualitative interview data from platform representatives, bureaucrats, drivers, experts and policy documents.

Regulatory developments in the ride-hailing space cannot be explained as a linear progression. The static institutional assumptions, especially without considering the multi-actors and multi-levels in policy formulation, do not serve associated actors adequately in different times and spaces. The RHPs regulations must consider the perspective of new RHPs and the support available to them. Non-consideration of short- and long-term perspectives of RHPs may have unequal outcomes for established and new RHPs.

This research has implications for the digital economy regulatory ecosystem, DPs and implications for policymakers. Though the data from legal documents and qualitative interviews is adequate, transactional data from the RHPs and interviews with judiciary actors would have been insightful.

The study provides insights into critical aspects of regulatory evolution, governance and regulatory impact on the DPs’ ecosystem. The right balance of regulations according to the business models of DPs allows DPs to have space for growth and development of the platform ecosystem.

This research shows the interactions in the digital space and how regulations can impact various actors. A balanced policy can guide the paths of DPs to have equal opportunities.

DP regulations have a complex structure. The paper studies regulatory developments of DPs and the impacts of governance and controls on associated players and platform ecosystems.

Motivating users to self-disclose online is significant to the long-term development of social media. Therefore, research on emotional disclosure, a significant form of self-disclosure, is required. By developing a stimulus-organism-response model, this study aims to investigate the mechanisms by which the social media environment affects users' online emotional disclosure.

This paper proposes two dimensions of social media environments, the online interpersonal environment (tie strength and network size) and the online information environment (self-reference). They are hypothesized to stimulate users' internal psychological needs (image management and emotional expression) which in turn will influence their emotional disclosure intentions. Using data from 489 users of WeChat Moments, the authors conduct partial least squares analysis to validate the research model.

The findings show that users' intrinsic psychological needs are stimulated by social media environments, but network size is not correlated with the need for emotional expression. The user's need for emotional expression promotes both positive and negative emotional disclosure intentions. The need for image management has a positive impact on positive emotion disclosure intentions but has a negative impact on negative emotion disclosure intentions.

This study contributes to the understanding of online emotional disclosure. It can also help social media managers create efficient plans to encourage users to create content.

The peer review history for this article is available at: https://publons.com/publon/10.1108/OIR-04-2022-0245.

To adapt to the rapidly changing market environment, firms must constantly adjust and change their knowledge base to develop new technologies. The purpose of this paper is to analyze the improvement path of firms’ breakthrough innovation from the perspective of knowledge recombination in the context of dynamic change in the knowledge base. By analyzing the influencing mechanism of environmental dynamism on the relationship between the two, this paper provides a theoretical foundation for managers to make knowledge recombination decisions under a dynamic external environment while further enriching the firm’s innovation achievements.

Using data from 220 manufacturing firms listed on the Shanghai and Shenzhen A-share stock from 2010 to 2018, an extensive panel data set was constructed to investigate the effect of knowledge recombination, which was divided into recombination creation and recombination reuse, on firms’ breakthrough innovation. In addition, the authors differentiated environmental dynamism as market dynamism and technological dynamism and then examined its moderating role in the above relationships.

The research results show that various recombination behaviors of knowledge elements have a differentiated effect on firms’ breakthrough innovation presented as follows: Knowledge recombination creation is significantly positively correlated with firms’ breakthrough innovation, while knowledge recombination reuse is significantly negatively correlated with firms’ breakthrough innovation. In addition, environmental dynamism has a considerable moderating effect between knowledge recombination and firms’ breakthrough innovation further, emphasizing that the moderating effect on different types of knowledge recombination behaviors is significantly distinct.

First, given that this study refers to several Chinese noted databases to collect second-hand data for empirical analysis, future research could use first-hand data by collecting questionnaire survey and interview to provide a more practical and detailed research conclusion. Second, the authors focused on the contextual variable to explore the moderating role of environmental dynamism on the relationship between knowledge recombination and breakthrough innovation. Nevertheless, the indirect effects of other internal factors were not discussed. The authors advocate future studies to involve other moderators from employee social and phycological perspectives, such as trust in colleagues in the proposed theoretical models in this study.

This study is conducive for managers to attach great attention to knowledge management practices in the firm and to understand the critical role of knowledge recombination in affecting innovation performance under dynamic environmental changes. Moreover, this study provides practical guidance and serves as a reference for firms to strengthen their knowledge recombination ability as full utilization of existing knowledge elements and exploration of new knowledge values.

Primarily, from the perspective of dynamic changes in the knowledge base, this paper explores how the knowledge recombination behaviors affect firms’ breakthrough innovation, thereby enriching and extending the relationship theory between knowledge recombination capabilities and breakthrough innovation, while new and valuable ideas are provided in the study of issues related to the firms’ breakthrough innovation; Moreover, this study analyzes the moderating effects of diverse types of environmental dynamism on the relationship between knowledge recombination and firms’ breakthrough innovation from a multi-dimensional perspective proposing that the moderating effects of environmental dynamism on different knowledge recombination behaviors are distinct.

This study examines the mediating roles of the three dimensions of business intelligence (sensing capability, transforming capability and driving capability) in the relationship between the three dimensions of big data analytics capability (big data analytics management, technology and talent capabilities), and radical innovation among Chinese manufacturing enterprises.

A theoretical framework was developed using the resource-based view. The hypothesis was tested using empirical survey data from 326 Chinese manufacturing enterprises.

Empirical results show that, in the Chinese manufacturing context, business intelligence sensing capability, business intelligence transforming capability and business intelligence driving capability positively mediate the impact of big data analytics capability on radical innovation.

The results offer managerial guidance for leaders to properly use big data analytics capability, business intelligence and radical innovation as well as offering theoretical insight for future research in the manufacturing industry’s radical innovation.

This is among the first studies to examine three dimensions of big data analytics capability on the manufacturing industry’s radical innovation by considering the mediating role of three dimensions of business intelligence.

Although the sharing economy improves comfort and convenience, it is yet unclear how it affects subjective well-being. This study aims to offer a conceptual model for understanding the linkages between the antecedents and consequences of subjective well-being in ridehailing services.

Using a non-probabilistic sampling method and a pre-tested survey instrument, 450 responses were collected from January to March 2020. The data were analysed using structural equation modelling.

Experience quality and perceived convenience are correlated with subjective well-being. Perceived value and personal innovativeness were not correlated with subjective well-being, as the former does not contribute to the latter’s development. Continuous usage intention significantly correlated with subjective well-being, followed by customer relationship proneness and advocacy. Regarding gender and age differences, men place higher value on customer relationship proneness than women, while women place higher value on subjective well-being than men. Older users value perceived convenience and customer relationship proneness in ridehailing services more than younger users.

Understanding key factors contributing to user well-being in ridehailing would promote a more affordable mobility sector globally. This understanding would enable ridehailing businesses to create more effective business and marketing plans while prioritising user well-being, thus enhancing user happiness and reducing turnover rates.

This research demonstrates how crucial it is for users’ well-being to have a positive experience and find the service convenient. It also highlights the importance of building strong customer relationships and examines how gender and age influence people’s adoption and use of these services.

Aunque la economía colaborativa mejora la comodidad y conveniencia, aún no está claro cómo afecta al bienestar subjetivo. Ofrecemos un modelo conceptual para comprender las conexiones entre los antecedentes y consecuencias del bienestar subjetivo en los servicios de transporte compartido.

Utilizando un método de muestreo no probabilístico y un instrumento de encuesta previamente probado, se recopilaron 450 respuestas entre enero y marzo de 2020. Los datos fueron analizados utilizando un modelo de ecuaciones estructurales.

La calidad de la experiencia y la percepción de conveniencia están correlacionadas con el bienestar subjetivo. El valor percibido y la innovación personal no se correlacionaron con el bienestar subjetivo, ya que el primero no contribuye al desarrollo del último. La intención de uso continuo se correlacionó significativamente con el bienestar subjetivo, seguida por la propensión a las relaciones con los clientes y la defensa de estos servicios. En cuanto a las diferencias de género y edad, los hombres valoran más la propensión a las relaciones con los clientes que las mujeres, mientras que las mujeres valoran más el bienestar subjetivo que los hombres. Los usuarios mayores valoran más la percepción de conveniencia y la propensión a las relaciones con los clientes en los servicios de transporte compartido que los usuarios más jóvenes.

Esta investigación demuestra lo crucial que es para el bienestar de los usuarios tener una experiencia positiva y encontrar el servicio conveniente. También resalta la importancia de construir relaciones sólidas con los clientes y examina cómo el género y la edad influyen en la adopción y uso de estos servicios.

Comprender los factores clave que contribuyen al bienestar de los usuarios en los servicios de transporte compartido promovería un sector de movilidad más asequible a nivel global. Esta comprensión permitiría a las empresas de transporte compartido crear planes de negocios y marketing más efectivos, priorizando el bienestar de los usuarios y mejorando así su felicidad y reduciendo las tasas de rotación.

尽管共享经济提高了舒适度和便利性, 但它如何影响主观幸福感尚不清楚。我们提供了一个概念模型, 用于理解乘车服务中主观幸福感的前因后果之间的联系。

采用非概率抽样方法和预先测试的调查工具, 在 2020 年 1 月至 3 月期间收集了 450 份回复。数据采用结构方程模型进行分析。

体验质量和感知便利性与主观幸福感相关。感知价值和个人创新性与主观幸福感不相关, 因为前者无助于后者的发展。持续使用意愿与主观幸福感密切相关, 其次是客户关系倾向和拥护。在性别和年龄差异方面, 男性比女性更重视客户关系倾向, 而女性比男性更重视主观幸福感。老年用户比年轻用户更重视乘车服务中的便利感和客户关系代言。

这项研究表明, 用户获得积极的体验和便捷的服务对他们的福祉至关重要。研究还强调了建立牢固的客户关系的重要性, 并探讨了性别和年龄如何影响人们采用和使用这些服务。

了解有助于提高乘车旅行用户幸福感的关键因素, 将在全球范围内推动建立一个更加经济实惠的移动出行行业。这种理解将使打车企业能够制定更有效的业务和营销计划, 同时优先考虑用户福祉, 从而提高用户幸福感并降低流失率。