To fight inflation, European Central Bank (ECB) announced 10 successive interest rate hikes, starting on 27 July 2022, igniting an unprecedented widening of interest rate spreads in the euro area (ΕΑ). Greek banks, however, recorded among the highest interest rate spreads, far exceeding ΕΑ median and weighted average. Indeed, we document a strong asymmetric response of Greek banks to ECB interest rate hikes, with loan interest rates rising immediately, whilst deposit interest rates remained initially unchanged and then rose sluggishly. As a result, the interest rate spread hit one historical record after another. Greek systemic banks, probably taking advantage of the high concentration and low competition in the domestic sector benefited from key ECB interest rate hikes, recording gigantic increases in net interest income (NII), and consequently, substantial profits (almost €7.4 billion in the 2022–2023 biennium). Such excessive accumulation of profits (that deteriorates the living conditions of consumers) by the banking system could be called the inflation of “banking greed”, or bankflation. This new source of inflation created by the oligopolistic structure of the Greek banking sector counterworks the very reason for ECB interest rate increases and requires certain policy analysis recommendations in coping with it.

The major goal of decisions made by a business organization is to enhance business performance. These days, owners, managers and other stakeholders are seeking for opportunities of modelling and automating decisions by analysing the most recent data with the help of artificial intelligence (AI). This study outlines a simple theoretical model framework using internal and external information on current and potential clients and performing calculations followed by immediate updating of contracting probabilities after each sales attempt. This can help increase sales efficiency, revenues, and profits in an easily programmable way and serve as a basis for focusing on the most promising deals customising personal offers of best-selling products for each potential client. The search for new customers is supported by the continuous and systematic collection and analysis of external and internal statistical data, organising them into a unified database, and using a decision support model based on it. As an illustration, the paper presents a fictitious model setup and simulations for an insurance company considering different regions, age groups and genders of clients when analysing probabilities of contracting, average sales and profits per contract. The elements of the model, however, can be generalised or adjusted to any sector. Results show that dynamic targeting strategies based on model calculations and most current information outperform static or non-targeted actions. The process from data to decision-making to improve business performance and the decision itself can be easily algorithmised. The feedback of the results into the model carries the potential for automated self-learning and self-correction. The proposed framework can serve as a basis for a self-sustaining artificial business intelligence system.

Rambutan (Nephelium lappaceum L.) was introduced to Mexico in 1959. Currently there is an estimated planted area of 835.96 ha and a production of 8,730.27 tons. The fruit is mainly consumed fresh, but quickly loses its external appearance due to dehydration and browning, which limits its commercialization, an alternative may be minimal processing and adjuvant treatments that extend the shelf life. The objective of this work was to evaluate the effect of coating with cactus mucilage (Opuntia ficus-indica), in the preservation of minimally processed rambutan stored at 5 °C, in two types of packaging. The rambutan was sanitized with chlorinated water (80 ppm), the epicarp was removed and batches were formed for each treatment. The factors were type of container (polyethylene bag and polystyrene container), coating (with and without coating) and time (0, 3, 6, 6, 10 and 12 d). The coating consisted of mucilage obtained from developing cladodes (15–21 cm), applied by dipping. All treatments were stored at 5 ℃. Total soluble solids (TSS), firmness (N) and color (L*, a*, b*, chroma and hue angle) were evaluated at each storage period. Also, 40 untrained judges (47% male and 53% female) evaluated sensory acceptability, consumption intention and acceptance/rejection. The results showed significant effect (p ≤ 0.05) of package type on firmness, chroma and hue angle. Coating had an effect on L* value and product acceptability. Consumption intention was higher, and was maintained for 10 days, in fruits with coating and packaged in polyethylene bags, stored at 5 ℃.

The importance of improving industrial transformation processes for more efficient ones is part of the current challenges. Specifically, the development of more efficient processes in the production of biofuels, where the reaction and separation processes can be intensified, is of great interest to reduce the energy consumption associated with the process. In the case of Biodiesel, the process is defined by a chemical reaction and by the components associated to the process, where the thermochemical study seeks to develop calculations for the subsequent understanding of the reaction and purification process. Thus, the analysis of the mixture of the components using the process simulator Aspen Plus V9^® unravels the thermochemical study. The UNIFAC-DMD thermodynamic method was used to estimate the binary equilibrium parameters of the reagents using the simulator. The analyzed aspects present the behavior of the components in different temperature conditions, the azeotropic behavior and the determined thermochemical conditions.

In green construction, sustainable resources are essential. One such material is copper, which is widely utilized in electronics, transportation, manufacturing, and residential buildings. As a very useful material, it has many beneficial impacts on human life. Observed from the recent demand spike is in line with the overall trend and the current growing smelter construction in Indonesia. Researchers intend to adapt the existing Copper Smelting Plant Building into an environmentally friendly building as a part of the production chain, in addition to reducing public and environmental concerns about the consequences of this development. We have identified a disparity in cost, where the high cost of green buildings is an obstacle to its implementation to enhance the cost performance with increased renewable energy of the Smelter Construction Building, this study investigates the application of LEED parameters to evaluate green retrofit approaches through system dynamics. The most relevant features of the participant assessments were identified using the SEM-PLS approach, which is used to build and test statistical models of causal models. We have results for this Green Retrofitting study following significant variables according to the following guidelines: innovation, low-emission materials, renewable energy, daylighting, reducing indoor water usage, rainwater management, and access to quality transit.