Background: People who are financially literate are able to make sound decisions regarding their money since they have a firm grasp of the fundamentals of money and financial products. The significance of financial literacy has been acknowledged by numerous nations, prompting the formation of task teams to assess their populations and develop educational and outreach programs. The requirement to make educated decisions about ever-increasing financial goods necessitates a higher level of financial literacy. Aim: Being able to make sense of one’s personal financial situation is becoming an increasingly valuable skill in today’s world. One of the most essential components for making sure and successful decisions is having a good grip on one’s financial status. By contrast, financial literacy refers to an individual’s level of knowledge and awareness regarding financial matters, whereas investors’ decision-making is characterised by their understanding, prediction, investigation, and assessment of the various stages and transactions involved in making an investment decision. Risk, a decision-making framework and process, and investing itself are all components of investing. Method: Researchers will conduct a cross-sectional survey of Saudi Arabian investors. We used a structured questionnaire to gather data. Using “Cronbach’s a and confirmatory factors” analysis, we checked whether the data is reliable. The links between financial literacy and investment decisions was demonstrated using structural equation modeling (SEM) in IBM-SPSS and SmartPLS. Purpose: The purpose of this research is to look at how the investment choices of Saudi Arabians are correlated with their degree of financial literacy. Consequently, research on the connection between financial literacy, knowledge, behaviour, and investment choices is lacking. Researchers on this subject have already acknowledged the problem’s importance and intended to devote substantial time and energy to solving it. Findings: The study concluded that there was a significant relationship between financial literacy and financial knowledge with respect of investment decision of investors. Similarly, there was a significant relationship between financial behaviour and financial knowledge with respect of investment decision of investors. The discovery of the outcomes will enable regulatory authorities to aid investors in preventing financial losses by furnishing them with sufficient financial information.

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.

This study explores the determinants of control loss in eating behaviors, employing decision tree regression analysis on a sample of 558 participants. Guided by Self-Determination Theory, the findings highlight amotivation (β = 0.48, p < 0.001) and external regulation (β = 0.36, p < 0.01) as primary predictors of control loss, with introjected regulation also playing a significant role (β = 0.24, p < 0.05). Consistent with Self-Determination Theory, the results emphasize the critical role of autonomous motivation and its deficits in shaping self-regulation. Physical characteristics, such as age and weight, exhibited limited predictive power (β = 0.12, p = 0.08). The decision tree model demonstrated reliability in explaining eating behavior patterns, achieving an R² value of 0.39, with a standard deviation of 0.11. These results underline the importance of addressing motivational deficits in designing interventions aimed at improving self-regulation and promoting healthier eating behaviors.

This study investigates the buying styles of young consumers, especially the millennials—Gen Y, and Gen Z whose idiosyncrasies and consumption peculiarities are quite different from the older generations. Besides Sproles and Kendall’s eight (8) consumer-style inventory dimensions, this study presents new dimensions and develops six constructs that define young consumers’ decision-style inventory in a developing market. The study population consisted of all younger consumers—Gen Y, and Gen Z in Lagos State, Nigeria. One hundred and twenty-five (125) respondents were selected randomly across all 20 Local Governments in Lagos State, Nigeria. Factor analyses through varimax rotation, latent root criterion (eigenvalue = 1), screen plot test and the percentage of variance were conducted to determine the significant factors to retain among the variables. The findings clearly showed that newly developed CSI constructs in this study (sexiness, trendiness, global branding, smartness, socialisation and entertainment) were strong and significant among young consumers’ decision-making styles. The six (6) constructs developed showed that the younger consumers’ consumption styles are evolving, becoming sophisticated and relatively dynamic, hence the reliance on Sproles and Kendall’s dimensions to measure the younger consumers’ consumption decision styles will be inadequate in business/behaviour strategy development. The dimensions of entertainment, sexy, social, trendy, smartness and global branding variables are mostly underpinned and dominate considerations in purchase decision styles and behaviours among young consumers.

Objective: As the scale and importance of official development assistance (ODA) continue to grow, the need to enhance the effectiveness of ODA policies has become more critical than ever before. In this context, it is essential to systematically classify recipient countries and establish tailored ODA policies based on these classifications. The objective of this study is to identify an appropriate methodology for categorizing developing countries using specific criteria, and to apply it to actual data, providing valuable insights for donor countries in formulating future ODA policies. Design/Methodology/Approach: The data used in this study are the basic statistics on the Sustainable Development Goals (SDGs) published annually in the SDGs Report. The analytical method employed is decision tree analysis. Results: The results indicate that the 167 countries analyzed were classified into 10 distinct nodes. The study further limited the scope to the five nodes representing the most disadvantaged developing countries and suggested future directions for aid policies for each of these nodes.