This study aims to analyze the effect of financial literacy and financial education on digital financial inclusion in Mexico. The analysis is carried out with 13,554 data from the National Survey of Financial Inclusion 2021, corresponding to Mexican adults who use digital financial services. The population under study comprises people over 18 years old, residing in Mexico, disaggregated by size of locality, and divided into six geographical regions. The dichotomous Probit model is used to estimate the effect of financial literacy and sociodemographic variables on digital financial inclusion. The results show that financial literacy and financial education have a marginal effect, of 0.94% and 4.42%, respectively, on digital financial services. Results also show that the marginal effect of financial literacy and financial education is greater on the use of mobile payments than on the acquisition of online accounts or apps and online credit. The results also show that gender, locality size, educational level, income and asset holding have a statistically significant relationship with the use of digital financial services. The findings confirm that financial literacy and financial education contribute to the digital financial inclusion of Mexicans, in this sense, providing financial education can especially benefit vulnerable population groups such as those living in rural areas and those with low income and low education levels.

In order to replace conventional materials in the existing composite world, there has been a focus on adopting coir fibres, which are lightweight, adaptable, efficient, and have great mechanical qualities. This study describes the creation of environmentally responsible bio-composites with good mechanical characteristics that employ coir powder as a reinforcement, which has good interfacial integrity with an epoxy matrix. And these epoxy-coir composites supplemented with coir particles are predicted to function as a reliable substitute for traditional materials used in industrial applications. Here, untreated and alkali-treated coir fibres powder were employed as reinforcement, with epoxy resin serving as a matrix. An experimental investigation has been carried out to study the effect of coir powder reinforcement at different weight percentages (5 wt%, 10 wt%, 15 wt%, 20 wt%, 25 wt%, and 30 wt%). The morphological study, followed by a scanning electron microscope (SEM) and an optical microscope (OM), demonstrated that the powder and matrix had the strongest adhesion at 20 wt% coir powder-reinforced composite, with no voids, bubbles, or cracks. Based on the entire investigation, the polymer composite with 20 wt% reinforcement exhibited better mechanical qualities than the other combinations.

The Middle East and North Africa (MENA) region faces unique challenges and opportunities in integrating sustainability into sovereign credit assessments. This research study examines environmental, social, and governance (ESG) factors embedded in the lending policies of jurisdictional institutions in MENA. By analyzing existing literature and case studies, we identify key drivers and barriers to ESG integration in sovereign lending. Our findings suggest a growing recognition of sustainability’s importance in financial stability and credit, driven by global climate guarantees and local socio-economic development. However, challenges such as data availability, regulatory frameworks, and market acceptance persist. This paper provides an overview of current practices, highlights best practices, and offers recommendations to enhance ESG integration in sovereign debt reviews in the MENA region. The study concludes that a robust ESG framework is necessary to accurately reflect the long-term risks and opportunities associated with sovereign debt, ultimately contributing to sustainable economic growth regionally.

This study adapts traditional service blueprint methodologies for technology-driven coopetition networks, where companies simultaneously collaborate and compete. Integrating insights from service science, we developed an enhanced service blueprint framework with three key components: the cyber frontstage Lane for digital interactions, the physical backstage Lane for physical operations, and the support stage lane for supporting processes. Empirical validation in the Portuguese stone sector demonstrated the framework’s effectiveness in identifying network dysfunctions and its ease of use for industry professionals. Feedback highlights its relevance in capturing the complexities of modern digital coopetition and managing interactions and resources. This research underscores the necessity of updating service blueprint methods to optimize service delivery and value co-creation in digitally evolving sectors.

The existing studies on the association between the built environment and health mainly concentrates on urban areas, while rural communities in China have a huge demand for a healthy built environment, and research in this area remains insufficient. There is a lack of research on the health impact of the built environment in rural communities in China, where there is a significant demand for advancements in the healthy built environment. Exploring the Influence of built environment satisfaction on self-rated health outcomes in New-type village communities has positive significance for advancing research on healthy village community. This paper selects four new-type village communities as typical cases, which are located in the far suburbs of Shanghai, China. A questionnaire survey was conducted on individual villagers, and 223 valid questionnaire samples were obtained. A PLS-SEM model was developed using survey data to examine how built environment satisfaction influences dwellers’ self-rated health while taking into account the mediating function of the perceived social environment. Moreover, multi-group analysis was performed based on age. The results show that built environment satisfaction indirectly influences residents self-rated health through its impact on perceived social environment. The research also discovered that the relationship between built environment satisfaction, social environment satisfaction and self-rated health is not influenced by age as a moderating factor. The research offers new insights for the planning and design of new-type village community from a health perspective.