Women's financial literacy and financial inclusion have gained prominence in recent years. Despite progress, knowledge and access to finance remain common barriers for women, especially in emerging economies. Globally, domestic and economic violence has been recognized as a relevant social concern from a gender perspective. In this context, financial literacy and financial inclusion are considered to play a key role in reducing violence against women by empowering them with the necessary knowledge to manage their financial resources and make informed decisions. This study aims to evaluate the determinants that influence Peruvian female university students' financial literacy and financial inclusion. To this end, a theoretical behavioral model is proposed, and a survey is applied to 427 female university students. The results are analyzed using a Partial Least Squares Structural Equation Model (PLS-SEM). The results validate all the proposed hypotheses and highlight significant relationships between financial literacy and women's financial inclusion. A relevant relationship between financial attitude and financial behavior is also observed, as well as the influence of financial behavior and financial self-efficacy on financial literacy. The results also reveal that women feel capable of making important financial decisions for themselves and consider that financial literacy could help reduce gender-based violence. Based on these findings, theoretical and practical implications are raised. It highlights the proposal of a theoretical model based on antecedents, statistically validated in a sample of women in Peru, which lays the foundation for understanding financial literacy and financial inclusion in the Latin American region.

This paper presents an effective method for performing audio steganography, which would help in improving the security of information transmission. Audio steganography is one of the techniques for hiding secret messages within an audio file to maintain communication secrecy from unwanted listeners. Most of these conventional methods have several drawbacks related to distortion, detectability, and inefficiency. To mitigate these issues, a new scheme is presented which combines the techniques of image interpolation with LSB encoding. It selects non-seed pixels to allow reversibility and diminish distortion in medical images. Our technique also embeds a fragile watermarking scheme to identify any breach during transmission to recover data securely and reliably. A magic rectangle has also been used for encryption to enhance data security. This paper proposes a robust, low-distortion audio steganography technique that provides high data integrity with undetectability and will have wide applications in sectors like e-healthcare, corporate data security, and forensic applications. In the future, this approach will be refined for broader audio formats and overall system robustness.

Background: The prevalence of anxiety among college students is a growing global concern, with a median prevalence of 32%. This study addresses the need for effective interventions within an educational policy framework to alleviate anxiety and promote mental health among college students. Objective: The study aims to evaluate the impact of breathing relaxation exercises and tactile art therapy on college students' self-understanding and psychological well-being, providing reference information for policies and practices in mental health education. Methods: We enrolled 10 college students from X University in South Korea, dividing them into an experimental group and a control group. The experimental group underwent 10 sessions of breathing exercises and tactile art therapy, while the control group received standard psychological counseling. Pre- and post-tests assessed breathing function, self-understanding, and psychological well-being. Results: The experimental group demonstrated significant improvements in breathing function, particularly in forced vital capacity (FVC), and in psychological well-being, as measured by the Psychological Well-Being Scale (PWBS). Sub-factors such as safety, goal orientation, and self-acceptance within self-understanding, self-acceptance, positive relationships, purpose in life, and environmental mastery within psychological well-being, showed notable enhancements. In contrast, the control group did not show significant effects in terms of FVC and FEV1（p > 0.05）, and there were no statistically significant differences in the various sub-factors of self-understanding and psychological well-being. Conclusion: The study demonstrates that integrating breathing relaxation exercises and tactile art therapy into educational policy can significantly reduce anxiety and enhance the psychological well-being of college students. These findings suggest that such interventions can be effective components of a comprehensive educational policy aimed at improving student mental health.

This paper uses quantitative research methods to explore the differences in the impact of virtual influencers on different consumer groups in the context of technological integration and innovation. The study uses DBSCAN (Density-Based Spatial Clustering of Applications with Noise) clustering technology to segment consumers and combines social media behavior analysis with purchase records to collect data to identify differences in consumer behavior under the influence of virtual influencers. Consumers' emotional resonance and brand awareness information about virtual influencers are extracted through sentiment analysis technology. The study finds that there are significant differences in the influence of virtual influencers on different consumer groups, especially in high-potential purchase groups, where the influence of virtual influencers is strong but short-lived. This paper further explores the deep integration of virtual influencer technology with new generation information technologies such as 5G and artificial intelligence, and emphasizes the importance of such technological integration in enhancing the endogenous and empowering capabilities of virtual influencers. The research results show that technological integration and innovation can not only promote the development of virtual influencers, but also provide new technical support for infrastructure construction, especially in the fields of smart cities and industrial production. This paper provides a new theoretical perspective for the market application of virtual influencers and provides practical support for the application of virtual technology in infrastructure construction.

This study explores the impact of digital economy engagement and digital adoption on the entrepreneurship performance of Small and Medium Enterprises (SMEs) in Malaysia, with a specific focus on the PG Mall platform. Through an analysis of SMEs' involvement in digital activities such as e-commerce, digital marketing, and data analytics, the research identifies key factors that enhance business performance. The main objective of this paper is to examines the mediating role of government policies in supporting digital adoption and fostering a conducive environment for digital entrepreneurship. This paper employed a quantitative method to examine the impact of digital economy engagement and digital adoption on the entrepreneurship performance of Small and Medium Enterprises (SMEs) in Malaysia, with a focus on the PG Mall platform. Through data analysis, this research assessed several hypotheses related to the relationship between digital engagement, adoption, and business performance. The findings revealed that the majority of the hypotheses were supported, confirming the positive influence of digital economy engagement and digital adoption on various aspects of entrepreneurship performance. Based on these findings, this paper also proposes a conceptual framework that highlights the elements of digital economy engagement and digital adoption that contribute to SME performance. This framework serves as a valuable guideline for government policymakers, practitioners, and scholars in shaping strategies to foster digital entrepreneurship. It underscores the importance of supportive government policies, such as financial incentives and training, in facilitating the digital transformation of SMEs. By providing a structured approach to understanding the role of digital tools in enhancing business outcomes, the framework offers a foundation for future research and policy development aimed at promoting digital entrepreneurship in an evolving economic landscape.

In recent years, e-sports, as an emerging form of competition, has been rapidly integrated into the daily life of college students, and with its rich interactivity, instant feedback and teamwork, e-sports provides them with an effective channel for emotional catharsis and psychological regulation. This study takes students from four universities as the survey object and adopts quantitative research method to analyze the relationship between different types of e-sports activities and psychological stress resistance through questionnaire survey method combined with spss. The samples were randomly sampled, and a total of 500 valid questionnaires were collected. The results of the study show that: 1. In terms of participation, the ability of students to withstand academic stress and life stress is significantly improved, and e-sports is an effective way to regulate emotions and relieve stress; 2. the three types of games (First-person Shooter, Multiplayer Online Battle Arena, Real-Time Strategy Game) have different impacts on stress tolerance, of which FPS has the greatest impact on stress tolerance; 3. the frequency of playing e-sports affects your stress tolerance; 4. teamwork and strategy play an important role in e-sports resilience.