Low levels of financial literacy cause people to have lower savings rates, higher transaction costs, larger debts and the loans acquisition with higher interest rates, therefore it becomes relevant to analyze the determinants of financial literacy. The aim of this research is to identify whether there is an association between the financial literacy level and sociodemographic characteristics. The Mexican Petroleum Company (Pemex) employees is the population analyzed. Pemex is the state-owned oil and natural gas producer, transporter, refiner and marketer in Mexico. A non-probabilistic convenience sampling was performed and 404 responses were obtained. The analysis of data was carried out with the Bayesian method. The results show that there is an association between Pemex employees’ level of financial literacy and their level of education, income, age and type of retirement saving. No association was found between their level of financial literacy and gender, marital status and whether or not they have children.

Paraffin wax is the most common phase change material (PCM) that has been broadly studied, leading to a reliable optimal for thermal energy storage in solar energy applications. The main advantages of paraffin are its high latent heat of fusion and low melting point that appropriate solar thermal energy application. In addition to its accessibility, ease of use, and ability to be stored at room temperature for extended periods of time, Nevertheless, improving its low thermal conductivity is still a big, noticeable challenge in recently published work. In this work, the effect of adding nano-Cu₂O, nano-Al₂O₃ and hybrid nano-Cu₂O-Al₂O₃ (1:1) at different mass concentrations (1, 3, and 5 wt%) on the thermal characteristics of paraffin wax is investigated. The measured results showed that the peak values of thermal conductivity and diffusivity are achieved at a wight concentration of 3% when nano-Cu₂O and nano-Al₂O₃ are added to paraffin wax with significant superiority for nano-Cu₂O. While both of those thermal properties are negatively affected by increasing the concentration beyond this value. The results also showed the excellence of the proposed hybrid nanoparticles compared to nano-Cu₂O and nano-Al₂O₃ as they achieve the highest values of thermal conductivity and diffusivity at a weight concentration of 5.0 wt%.

The research aims to explore the degree of acceptance of digital work culture among the youth in the Emirati society within the study sample. Additionally, it aims to reveal the relationship between “gender” and “educational status” as sociodemographic factors among the youth in the study sample and their level of acceptance of digital work culture. Furthermore, the study aims to identify prospective trends in digital work culture among young individuals in Emirati society. Due to the nature of the descriptive research, it employed the “sample social survey” approach. The field study primarily utilized a quantitative tool for data collection, namely the “digital questionnaire.” This questionnaire was administered to a purposefully chosen random sample comprising young individuals actively seeking employment opportunities (unemployed individuals) or those new to the labor market. The participants fell within the age group of 15 to 35 years, totaling 184 individuals. Care was taken to ensure that this sample was representative of all youth categories in Emirati society, considering demographic factors such as gender, place of residence, and educational status. The research findings indicate that an overwhelming majority of young individuals in the study sample (97.8%) have no obstacles to accepting job opportunities that necessitate digital and technological skills. Moreover, the study uncovered a direct and statistically significant relation between “gender” and the “level of acceptance of digital work culture,” favoring females. This implies that females are more inclined to accept digital job opportunities compared to males. Additionally, the results highlighted a positive and statistically significant relation between both “educational status” and the “level of acceptance of digital work culture.” In other words, individuals with higher levels of education demonstrate a greater interest in digital job opportunities. Utilizing Step-wise Regression, the study also made predictions about the spread of “future digital work culture” in the United Arab Emirates based on the variable of “education.”

In a rapidly evolving digital economy, cyberpreneurship has emerged as a pivotal force driving innovation and economic growth. The study applies the Theory of Planned Behaviour in predicting entrepreneurial intention in the context of Malaysia, where the government has actively championed digital entrepreneurship. Drawing from a sample of 473 final-year university students in the Klang Valley region of Malaysia, the study investigates the impact of Individual Entrepreneurial Orientation (IEO) dimensions, namely innovativeness, risk-taking, and proactiveness, on the intention to engage in cyberpreneurship within the context of Digital Free Trade Zones (DFTZ). The study further examines the moderation effect of psychological characteristics incorporating visionary thinking, self-efficacy, opportunism, and creativity to provide a comprehensive understanding of the factors influencing cyberpreneurial intentions. With the moderating variable, the paper presents a comprehensive model to investigate the IEO and psychological characteristics contributing to cyberpreneurship intentions and its impact on engagement in DFTZ. An empirical examination of data and hypotheses found that risk-taking (RISK) and proactiveness (PRO) are significantly related to cyberpreneurial intention. Psychological characteristics significantly proved its moderating role in its interaction with innovatiness (INNO), risk-taking (RISK), and proactivness (PRO) in influencing cyberpreneurial intentions (CYBER_PI). Innovativeness (INNO) without the influence of the moderating variable is not significantly related to cyberpreneurial intentions. Engagement with the Digital Free Trade Zone (DFTZ) through the mediating role of cyberpreneurial intentions (CYBER_PI), the innovativeness (INNO) did not succeed. On the other hand, risk-taking (RISK) and proactiveness (PRO) are found to be significant. The paper contributes to the landscape of e-commerce and digital trade literature by advancing our understanding of the factors driving individuals’ intentions to participate in cyberpreneurship and engage in DFTZ. The findings of this study provide valuable insights for policymakers, educators, and entrepreneurs alike.

The recent development of characteristic towns has encountered a multitude of challenges and chaos. Nevertheless, there have been many instances of information asymmetry due to the absence of an effective management model and an intuitive digital management system. Consequently, this has caused the erosion of public interests and inadequate supervision by public agencies. As society is progressing at a rapid pace, there is a growing apprehension regarding poor management synergy, outdated management practices, and limited use of technology in traditional construction projects. In today's technologically sophisticated society characterized by the “Internet+” and intelligent management, there is an urgent requirement to identify a more efficient collaborative management model, thereby reducing errors caused by information asymmetry. This paper focuses on the integration of building information modeling (BIM) and integrated project delivery (IPD) for collaborative management within characteristic towns in the PPP mode. By analyzing the available literature on the application status, this study investigates the implementation methods and framework construction of collaborative management while exploring the advantages and disadvantages. On this basis, this study highlights the problems that arise and provides recommendations for improvement. Considering this, the application of the BIM-based IPD model to characteristic towns in PPP mode will enhance the effectiveness of collaborative management among all parties involved, thereby fostering an environment that facilitates decision-making and operational management in the promotion of characteristic industries.