This article aims to measure and identify the factors influencing the decision to use Chatbot in e-banking services for GenZ customers in Vietnam through 292 customers. Testing methods: Cronbach’s Alpha trust factor, EFA discovery factor analysis, and regression analysis have shown that 07 factors directly affect GenZ’s decision to use Chatbot. Those factors include (1) Customer attitude; (2) Useful perception; (3) Perception of ease of use; (4) Behavioral control perception; (5) Risk perception; (6) Subjective norms and (7) Trust. On that basis, the article has set out management implications for Vietnamese commercial banks to approach and increase the decision of customers aged 18–24 years in Vietnam.

Building cooling load depends on heat gains from the outside environment. Appropriate orientation and masonry materials play vital roles in the reduction of overall thermal loads buildings. A net-zero energy building performance has been analyzed in order to ascertain the optimum orientation and wall material properties, under the climatic conditions of Owerri, Nigeria. Standard cooling load estimation techniques were employed for the determination of the diurnal interior load variations in a building incorporating renewable energy as the major energy source, and compared with the situation in a conventionally powered building. The results show a 19.28% reduction in the building’s cooling load when brick masonry was used for the wall construction. It was observed that a higher heat gain occurred when the building faced the East-West direction than when it was oriented in the North-South direction. Significant diurnal cooling loads variation as a result of radiation through the windows was also observed, with the east facing windows contributing significantly higher loads during the morning hours while the west facing windows contributed higher amounts in the evening. The economic analysis of the net-zero energy building showed an 11.63% reduction in energy cost compared to the conventional building, with a 7-year payback period for the use of Solar PV systems. Therefore, the concept of net-zero energy building will not only help in energy conservation, but also in cost savings, and the reduction of carbon footprint in the built environment.

The COVID-19 pandemic has brought life changing conditions to families that require coping strategies in order to survive and achieve family well-being. This study aims to analyze differences between single earner and dual earner families during the COVID-19 pandemic and to analyze the factors that influence subjective family well-being. The research design used was a cross sectional study with sample collection through non-probability sampling. Data collection was carried out by filling out questionnaires online. The number of respondents involved in the study was 2084 intact families with children residing in DKI Jakarta, West Java, and Banten Provinces. Reliability and validity tests were conducted. The results of the independent t-test showed that dual-earner families experienced better life changes and a higher level of subjective family well-being than single-earner families and had lower economic pressure and lower economic coping than single earner families. The SEM analysis found that life changes affected economic coping negatively and subjective family well-being positively. Family income influenced economic coping negatively and subjective family well-being positively. Finally, it was found that economic coping had no effect on subjective family well-being.

Heat conduction theory stipulates that two thermo-physical properties of materials: the thermal conductivity “k” and the thermal diffusivity “α” influence the temperature evolution in regular and irregular bodies as a response to various cooling/heating conditions. The traditional statement involving the two thermo-physical properties is examined at length in the present study for the case of a semi-infinite region. The primary objective of the present study is to investigate the influence of the less known thermo-physical property called the thermal effusivity “e” on the incipient surface temperature rise in a semi-infinite body affected by uniform surface heat flux. The secondary objective of the study is to identify a key figure of merit named the dimensionless threshold time that separates the incipient temperature elevation in a semi-infinite region from the incipient temperature elevation in a large wall of finite thickness under the same uniform surface heat flux. The outcome of the methodical analysis suggests that the accurate estimate for the dimensionless threshold time τ_th in the semi-infinite region should be 0.10.

The United Nations General Assembly declared 2023 the “International Year of Millets” in order to promote millet cultivation, consumption, and conservation. Millets play an important role in food security, livelihoods, and biodiversity. Despite its numerous benefits, millet cultivation and consumption in Uttarakhand have declined due to a variety of constraints. This paper examines the effects of regiocentrism and materialism on intention towards Uttarakhand’s regional food products (millets). It employs PLS-SEM to investigate relationships between latent variables and generate results on a sample of 460 participants. This study elucidates the intricate interplay between materialism, regiocentrism, and intention towards regional food products in the Himalayan region, enriching the theory of planned behavior (TPB) with a nuanced understanding of personal values and regional identity. It reveals materialism’s positive association with attitudes towards regional food products, suggesting materialistic individuals may view these products as status symbols, thus affecting behavioral intentions. Additionally, the research highlights regiocentrism’s dual influence—enhancing attitudes yet deterring purchase intentions—underscoring the complexity of regional pride in consumer decision-making. These findings advance TPB by integrating broader value systems and cultural context, offering significant theoretical and practical insights for promoting sustainable consumption patterns.