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.

Management and efficiency have a fundamental impact on the performance of public hospitals, as well as on their philanthropic mission. Various studies have shown that the financial weaknesses of these entities affect the planning, setting of goals and objectives, monitoring, evaluation and feedback necessary to improve health systems and guarantee accessibility as an inalienable right. This study aims to analyze the management and efficiency of third-level and/or high-complexity hospitals in Colombia, through a statistical model that uses financial analysis and key performance indicators (KPIs) such as ROA, ROE and EBITDA. A non-experimental cross-sectional design is used, with an analytical-synthetic, documentary, exploratory and descriptive approach. The results show financial deficiencies in the hospitals evaluated; hence it is recommended to make adjustments in the operating cycle to increase efficiency rates. In addition, the use of the KPIs ROA and ROE under adjusted models is suggested for a more precise analysis of the financial ratios, since these adequately explain the variability of each indicator and are appropriate to evaluate hospital management and efficiency, but not in EBITDA ratio, hence the latter is not recommended to evaluate hospital efficiency reliably. This study provides relevant information for public health policy makers, hospital managers and researchers, in order to promote the efficiency and improvement of health services.

E-commerce plays an important role in many organizations and businesses, including small and medium-sized enterprises (SMEs). Although the body of scientific knowledge carries significant research in addressing the main drivers and challenges of e-commerce among SMEs, the Saudi market was untouched, especially after the official Saudi government classification of SMEs back in December of 2016. Therefore, this study aims to explore the most common factors and challenges of SMEs when utilizing e-commerce in Saudi Arabia. It focused on Jeddah City as the second-largest city and the main seaport of the country. This research is based on a quantitative survey carried out among 63 firms, due to the difficulty in reaching a larger number of participants who had dedicated time and budget. The examined factors were collected from the literature and classified using the Technology, Organization, and Environment Model (TOE). Out of 63 firms, only six were adopting e-commerce. This led us to focus more on the challenges that hindered the remaining 57 from utilizing e-commerce. The analysis results uncovered the status of e-commerce among a sample of Saudi SMEs and showed that the knowledge and awareness level of e-commerce potential for businesses play a significant factor in reaching this incredibly low number.

The objective of this paper is to analyze the impact of infrastructure financing on economic growth in emerging markets through the application of both quantitative and qualitative research methodologies. In this study, the research will employ both primary and secondary data to investigate the impact of different structures of infrastructure financing on the performance of the economy through interviews with the stakeholders and policy documents alongside quantitative data from the World Bank and the IMF. The quantitative analysis employs the econometric models to establish the effect of infrastructure investment on the GDP growth of the selected countries, India, China, Brazil, and Nigeria. Additional secondary qualitative data obtained from interviews with policymakers and financial specialists from Brazil, India, and South Africa offer more practical information regarding the efficiency of the discussed financing approaches. This paper is therefore able to conclude that appropriate management of infrastructure investments, particularly those that involve the PPP, are central to the development of the economy. However, certain drawbacks such as the lack of regularity of data and the disparity in the effectiveness of financing instruments by the regions are pointed out. The research provides policy implications to policymakers and investors who wish to finance infrastructure in the emerging economy to enhance economic growth in the long run.

The paper analyzes the corporate carbon emissions and GDP contributions of the top ten companies by turnover for 2020–2023 in Germany, South Korea, China and the United Kingdom. Focusing on Scope 1, 2, and 3, the study explores the contribution of these companies to carbon intensity across different sectors and economies. The analysis shows that there are significant gaps in carbon efficiency, with the UK’s and Germany’s firms emitting the lowest emissions per unit of GDP contribution, followed by China and South Korea. Additionally, the study further examines the impact of Economic Policy Uncertainty on both firm carbon intensity and economic productivity. While EPU is positively associated with GDP contributions, its impact on emissions is nuanced. Firms apparently respond to policy uncertainty by increasing energy efficiency in direct (Scope 1) and energy-related (Scope 2) emissions but find it more difficult to manage supply chain emissions (Scope 3) in that case. The results point out the critical role of comprehensive ESG reporting frameworks in enhancing transparency and addressing Scope 3 emissions, which remain the largest and most volatile component of corporate carbon footprints. The paper then emphasizes the importance of standardized ESG reporting and bespoke policy intervention for promoting sustainability, especially in carbon-intensive industries. This research contributes to the understanding of how industrial and policy frameworks affect carbon efficiency and economic growth in different national contexts.