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The objective of this systematic literature review (SLR) is to explore the current state of research in the field of household finance (HF). This study aims to summarize the existing research to highlight the importance of household finance in a nation’s economy. By exploring all conceptual and applied implications of HF, this study projects directions for future research to develop a comprehensive understanding of the subject.

This SLR is based on 112 articles published in peer-reviewed journals between 2006 and 2020 (Table 3). The methodology comprises five steps, namely, formulation of research questions, identification of studies, their selection and evaluation, analyses and syntheses and presentation of results.

The findings of this study show that studies on HF are gradually increasing worldwide with the USA registering the highest number of published research on the topic during the period under scrutiny. Notwithstanding the increasing attention and research on HF, empirical research in emerging economies is lagging. Additionally, this study finds that HF structure presents a perfect setting to understand how households compose their financial portfolio, make financial decisions and what factors influence their decisions.

This study is an SLR – an accurate and accepted method of reviewing available literature on a selected subject. However, the selection of inclusion and exclusion criteria depends on the researchers’ rationale which might lead to research bias. This should be considered an inherent limitation of SLR.

By synthesizing the contents of extant literature, this study presents important insights into HF. This study underlines the most discussed topics in the domain and identifies potential investigation areas. This study gives the knowledge of leading articles, authors and journals and informs scholars and academicians about the areas that need further investigation by portraying the complete picture of the subject in a systematic manner. Further, this study highlights that households make suboptimal financial decisions that affect their financial well-being. To reduce the adverse impacts of these decisions, policymakers and financial institutions must take steps to improve households’ use of formal financial markets. Household decisions can be reformed by enhancing consumers’ knowledge about financial products and services. Furthermore, households can be served better by offering customization in traditional financial products.

This study synthesizes the main findings of selected literature on HF. The expansion of studies on HF has generated the need to review the existing literature in a systematic manner. To the researchers’ best knowledge, this SLR is the first thorough study of available articles in the HF domain. This study presents the scope of future research by highlighting numerous aspects and functions of HF.

This paper aims to study the value of informal care (IC) time from the perspective of caregivers using two alternative contingent valuation tools – willingness to pay (WTP) and willingness to accept (WTA) – and to identify the variables that affect the stated values.

The authors used data from a multi-centre study of 610 adult caregivers conducted in two Spanish regions in 2013. The existence of “protest zeros” and “economic zeros” because of the severe budgetary constraints of the households was also considered. Two-part multivariate models were used to analyse the main factors that explained the declared values of WTA and WTP.

The average WTP and WTA were €3.12 and €5.98 per hour of care, respectively (€3.2 and €6.3 when estimated values for “protest zeros” and “economic zeros” were considered). Some explanatory variables of WTA and WTP are coincident (place of residence and intensity of care time), whereas other variables only help to explain WTP values (household and negative coping with caregiving) or WTA values (age and burden of care). Some nuances are also identified when comparing the results obtained without protest and economic zeros with the estimated values of these special zeros.

Studies analysing the determinants of WTP and WTA in IC settings are very scarce. This paper seeks to provide information to fill this gap. The results indicate that the variables that explain the value of IC from one perspective may differ from the variables that explain it from an alternative perspective. Given the relevance of contextual factors, studies on the topic should be expanded, and care should be taken with the extrapolation of results across countries and settings.

This paper aims to study the agent learning from expert demonstration data while incorporating reinforcement learning (RL), which enables the agent to break through the limitations of expert demonstration data and reduces the dimensionality of the agent’s exploration space to speed up the training convergence rate.

Firstly, the decay weight function is set in the objective function of the agent’s training to combine both types of methods, and both RL and imitation learning (IL) are considered to guide the agent's behavior when updating the policy. Second, this study designs a coupling utilization method between the demonstration trajectory and the training experience, so that samples from both aspects can be combined during the agent’s learning process, and the utilization rate of the data and the agent’s learning speed can be improved.

The method is superior to other algorithms in terms of convergence speed and decision stability, avoiding training from scratch for reward values, and breaking through the restrictions brought by demonstration data.

The agent can adapt to dynamic scenes through exploration and trial-and-error mechanisms based on the experience of demonstrating trajectories. The demonstration data set used in IL and the experience samples obtained in the process of RL are coupled and used to improve the data utilization efficiency and the generalization ability of the agent.

The coronavirus disease 2019 (COVID-19) pandemic has become a global humanitarian challenge. This scourge has impacted people from all walks of life as well as every economic sector and activity, from travel to automotives, hotels to banking, and supply chain to retail. The pandemic has affected not only physical and mental health but also financial health. Studies have examined the pandemic's economic impact, but very few have examined its impact on personal finances. Efforts to contain the pandemic's spread, such as lockdowns, have resulted in suspended business operations throughout the world that have intensified joblessness. To prepare and protect people from such unforeseen situations, financial education and planning are necessary. We attempt to expand the evidence on this issue by applying a structural equation modelling approach to identify the mediating role of financial literacy programs in preparing and protecting household wealth against sudden worldwide setbacks. The research design is descriptive and exploratory using snowball sampling technique. The data was collected through an internet survey. In total, 400 survey responses were obtained. After testing the measurement model for key validity dimensions, the hypothesised causal relationships are examined in several path models. The results indicated that coronavirus awareness exerts a direct or indirect influence on the financial health of individuals through financial literacy. We conclude that financial literacy has a full mediating effect on the personal finance of individuals during the COVID-19 pandemic. The findings not only contributed to the need and understanding of financial literacy but also have managerial implications. Financial literacy programs provide investment advice and suggestions which are actionable and also work to help individuals to come out stronger in terms of knowledge and skill set when the COVID-19 crisis passes.

In this chapter, I propose a model for how school-level leaders manage their emotions. This model consists of six components. School-level leaders typically have little direct influence over the first component of the model, which are the socio-contextual factors in the schools, school communities and jurisdictions in which they work. A school-level leader's identity, sense of self and their personal characteristics comprise the second component of the model. The third component of the model is a multi-directional arrow demonstrating connections and interactions between the socio-contextual factors and a school-level leader's sense of self. Factors that heighten school-level leaders' emotional experiences in schools are considered as part of the fourth component of this model for school-level leaders' emotional regulation. The fifth component are the emotional regulation strategies school-level leaders use to manage emotions that emerge as part of their workday, while influence of supports and professional learning are considered as part of the sixth component, Finally, the model also accounts for the chain reactions and feedback loops that can occur when an individual utilizes an emotional regulation strategy that is unsuccessful. Those processes produce new emotions that must be regulated using similar, or different, emotional regulation strategy(ies).

Hexahedral meshing is one of the most important steps in performing an accurate simulation using the finite element analysis (FEA). However, the current hexahedral meshing method in the industry is a nonautomatic and inefficient method, i.e. manually decomposing the model into suitable blocks and obtaining the hexahedral mesh from these blocks by mapping or sweeping algorithms. The purpose of this paper is to propose an almost automatic decomposition algorithm based on the 3D frame field and model features to replace the traditional time-consuming and laborious manual decomposition method.

The proposed algorithm is based on the 3D frame field and features, where features are used to construct feature-cutting surfaces and the 3D frame field is used to construct singular-cutting surfaces. The feature-cutting surfaces constructed from concave features first reduce the complexity of the model and decompose it into some coarse blocks. Then, an improved 3D frame field algorithm is performed on these coarse blocks to extract the singular structure and construct singular-cutting surfaces to further decompose the coarse blocks. In most modeling examples, the proposed algorithm uses both types of cutting surfaces to decompose models fully automatically. In a few examples with special requirements for hexahedral meshes, the algorithm requires manual input of some user-defined cutting surfaces and constructs different singular-cutting surfaces to ensure the effectiveness of the decomposition.

Benefiting from the feature decomposition and the 3D frame field algorithm, the output blocks of the proposed algorithm have no inner singular structure and are suitable for the mapping or sweeping algorithm. The introduction of internal constraints makes 3D frame field generation more robust in this paper, and it can automatically correct some invalid 3–5 singular structures. In a few examples with special requirements, the proposed algorithm successfully generates valid blocks even though the singular structure of the model is modified by user-defined cutting surfaces.

The proposed algorithm takes the advantage of feature decomposition and the 3D frame field to generate suitable blocks for a mapping or sweeping algorithm, which saves a lot of simulation time and requires less experience. The user-defined cutting surfaces enable the creation of special hexahedral meshes, which was difficult with previous algorithms. An improved 3D frame field generation method is proposed to correct some invalid singular structures and improve the robustness of the previous methods.

As public health professionals strive to promote vaccines for inoculation efforts, fervent anti-vaccination movements are marshaling against it. This study is motived by a need to better understand the online discussion around vaccination. The authors identified the sentiments, emotions and topics of pro- and anti-vaxxers’ tweets, investigated their change since the pandemic started and further examined the associations between these content features and audiences’ engagement.

Utilizing a snowball sampling method, data were collected from the Twitter accounts of 100 pro-vaxxers (266,680 tweets) and 100 anti-vaxxers (248,425 tweets). The authors are adopting a zero-shot machine learning algorithm with a pre-trained transformer-based model for sentiment analysis and structural topic modeling to extract the topics. And the authors use the hurdle negative binomial model to test the relationships among sentiment/emotion, topics and engagement.

In general, pro-vaxxers used more positive tones and more emotions of joy in their tweets, while anti-vaxxers utilized more negative terms. The cues of sadness predominantly encourage retweets across the pro- and anti-vaccine corpus, while tweets amplifying the emotion of surprise are more attention-grabbing and getting more likes. Topic modeling of tweets yields the top 15 topics for pro- and anti-vaxxers separately. Among the pro-vaxxers’ tweets, the topics of “Child protection” and “COVID-19 situation” are positively predicting audiences’ engagement. For anti-vaxxers, the topics of “Supporting Trump,” “Injured children,” “COVID-19 situation,” “Media propaganda” and “Community building” are more appealing to audiences.

This study utilizes social media data and a state-of-art machine learning algorithm to generate insights into the development of emotionally appealing content and effective vaccine promotion strategies while combating coronavirus disease 2019 and moving toward a global recovery.

The peer review history for this article is available at https://publons.com/publon/10.1108/OIR-03-2022-0186

The purpose of this paper is to describe a new approach to sentence representation learning leading to text classification using Bidirectional Encoder Representations from Transformers (BERT) embeddings. This work proposes a novel BERT-convolutional neural network (CNN)-based model for sentence representation learning and text classification. The proposed model can be used by industries that work in the area of classification of similarity scores between the texts and sentiments and opinion analysis.

The approach developed is based on the use of the BERT model to provide distinct features from its transformer encoder layers to the CNNs to achieve multi-layer feature fusion. To achieve multi-layer feature fusion, the distinct feature vectors of the last three layers of the BERT are passed to three separate CNN layers to generate a rich feature representation that can be used for extracting the keywords in the sentences. For sentence representation learning and text classification, the proposed model is trained and tested on the Stanford Sentiment Treebank-2 (SST-2) data set for sentiment analysis and the Quora Question Pair (QQP) data set for sentence classification. To obtain benchmark results, a selective training approach has been applied with the proposed model.

On the SST-2 data set, the proposed model achieved an accuracy of 92.90%, whereas, on the QQP data set, it achieved an accuracy of 91.51%. For other evaluation metrics such as precision, recall and F1 Score, the results obtained are overwhelming. The results with the proposed model are 1.17%–1.2% better as compared to the original BERT model on the SST-2 and QQP data sets.

The novelty of the proposed model lies in the multi-layer feature fusion between the last three layers of the BERT model with CNN layers and the selective training approach based on gated pruning to achieve benchmark results.

This paper aims to develop a novel grey Bernoulli model with memory characteristics, which is designed to dynamically choose the optimal memory kernel function and the length of memory dependence period, ultimately enhancing the model's predictive accuracy.

This paper enhances the traditional grey Bernoulli model by introducing memory-dependent derivatives, resulting in a novel memory-dependent derivative grey model. Additionally, fractional-order accumulation is employed for preprocessing the original data. The length of the memory dependence period for memory-dependent derivatives is determined through grey correlation analysis. Furthermore, the whale optimization algorithm is utilized to optimize the cumulative order, power index and memory kernel function index of the model, enabling adaptability to diverse scenarios.

The selection of appropriate memory kernel functions and memory dependency lengths will improve model prediction performance. The model can adaptively select the memory kernel function and memory dependence length, and the performance of the model is better than other comparison models.

The model presented in this article has some limitations. The grey model is itself suitable for small sample data, and memory-dependent derivatives mainly consider the memory effect on a fixed length. Therefore, this model is mainly applicable to data prediction with short-term memory effect and has certain limitations on time series of long-term memory.

In practical systems, memory effects typically exhibit a decaying pattern, which is effectively characterized by the memory kernel function. The model in this study skillfully determines the appropriate kernel functions and memory dependency lengths to capture these memory effects, enhancing its alignment with real-world scenarios.

Based on the memory-dependent derivative method, a memory-dependent derivative grey Bernoulli model that more accurately reflects the actual memory effect is constructed and applied to power generation forecasting in China, South Korea and India.

This study aims to analyze and synthesize the design features of existing digital transformation maturity models with a developed classification scheme and propose a generic maturity model development wireframe based on design science research.

A systematic literature review is conducted on digital transformation maturity models in peer-reviewed journals, including the Emerald Insight, Science Direct, Scopus, Taylor & Francis and Web of Science databases, which resulted in 21 studies. A concept-centric tabular approach is used to analyze the studies, and intersectional demonstrations are used to synthesize the findings regarding the design features.

The classification scheme derived from the tabular concept-centric approach and iteratively evolved results in three main and 25 subcategories related to the design features. Analysis and synthesis of the studies reveal the granularity of the existing digital transformation maturity models concerning the design features. Furthermore, considering the design features in the classification scheme, a generic maturity model development wireframe is proposed to guide the researchers.

The generic maturity model development wireframe and the classification scheme that represents the design features of existing maturity models guide the researchers for the maturity model development roadmap.

The existing literature review studies do not focus on the design feature of digital transformation maturity models within a systematic literature review perspective. A unique classification scheme derived from the tabular concept-centric approach aims to analyze the granularity level of the existing models. Furthermore, the generic maturity model development wireframe includes the guidelines and recommendations of design science studies and presents a roadmap for maturity model researchers.