Digital Commons Network^™

Technological Appropriation As A Strategic Policy In Smes: Building Anticipatory Capabilities For Digital Transformation, Hernán Cornejo

Journal of Global Business Insights

Abstract: Technological appropriation has become a critical strategic issue for small and medium-sized enterprises (SMEs) undergoing digital transformation. While many SMEs adopt digital tools to address immediate operational needs, fewer succeed in embedding them into organizational routines, strategic decision-making, and long-term adaptation. This study examines technological appropriation as a key mechanism through which SMEs convert digital adoption into strategic organizational capability. Drawing on the literature on technological appropriation, dynamic capabilities, and strategic foresight, the paper proposes and empirically tests an integrated model. A mixed-methods design was employed, combining a survey of 198 SMEs from Argentina, Chile, and Colombia with 15 …

The Pickleball Opportunity: A Case Study To Evaluate The Market Demand And Feasibility Of Opening A Private Pickleball Facility, Dene Williamson, Janet Jones

Global Sport Business Journal

This case study explores the market demand and financial feasibility of opening a privately owned, indoor pickleball facility in Warrensburg, Missouri. The central character, Mr. Dink, returns to his rural hometown with the goal of building a community-centric recreational space centered around America’s fastest-growing sport—pickleball. Students are asked to evaluate the business opportunity through comprehensive market research, financial forecasting, and risk assessment. Drawing from comparative data provided by an established facility in Florida, the case challenges students to adapt proven strategies to a smaller, lower-cost market. The case provides a platform to practice feasibility analysis, pricing strategy, break-even modeling, marketing, …

Mda Insurance - Online Open Enrollment Now Available For Mda Health Plan, Craig Start

The Journal of the Michigan Dental Association

Craig Start, President of MDA Insurance, discusses health insurance planning for dental practices and families, introducing a new secure online open enrollment process through Employee Navigator for the MDA Health Plan. Running through October and November 2026, this online portal coordinates plan sponsors and employees to adjust coverage and add dependents. The article highlights other critical 2027 health coverage enrollment timelines, including individual marketplace plans and Medicare supplement choices, and emphasizes the personalized, cost-free advisory and claims advocacy services provided by MDA Insurance agents to support informed decision-making.

Patient-Centered Imaging In Dentistry, Erika Benavides Dds, Phd, Fabiana Naomi Soki, James R. Geist Dds, Ms, Angela M. Hoikka, Dds, Ms

The Journal of the Michigan Dental Association

This clinical feature discusses joint guidelines by the ADA and AAOMR for patient-centered dental radiography and cone-beam computed tomography (CBCT), emphasizing individual risk-based needs rather than routine schedules. It covers the principles of radiation safety: justification, optimization (ALARA/ALADA), and dose limitation. The article maps out specific imaging modalities recommended for caries, periodontal disease, endodontics, orthodontics, implants, and TMJ disorders. Additionally, it summarizes Michigan's administrative rules for X-ray installation shielding, equipment alignment, stable mechanical support, operator positioning, and the mandatory radiography training program requirements for dental assistants.

Central Bank Financial Strength, Credibility, And Global Market Risk: Evidence From Southeast Asian Economies, Mega Fauziah, Hermanto Siregar, Solikin M. Juhro, Tanti Novianti, Sigit Wibowo

Bulletin of Monetary Economics and Banking

This paper examines central bank credibility in the context of its financial strength, independence, and global market uncertainty in five Southeast Asian countries between 2005 and 2023. We find that the global market risk indicated by VIX reveals that these Southeast Asian economies, despite achieving considerable central bank independence and institutional development, remain fundamentally constrained by global market conditions in maintaining their credibility, measured by the difference between the inflation rate and its target in the same year. We argue that in emerging economies exposed to global uncertainty, central bank profitability, conditional on its independence, is vital for central banks …

Offline And Thriving: Understanding The Professional And Personal Lives Of Non-Social Media Users In A Digitally Dominant Era, Bhargava Mantena

Dissertations

Existing research has treated voluntary social media abstinence as the absence of users rather than as a condition worth study. This mixed-methods study examined its psychological and occupational correlates. Adults aged 21 to 65 reporting abstinence from all major platforms for six months or more completed three validated instruments measuring mental well-being, work engagement, and perceived social isolation; a purposive subsample of 12 took part in semi-structured interviews. The analysis set comprised 120 participants, below the 128 indicated by the a priori power analysis. Research Question 1 could not be tested as approved, because no active-user comparison group was recruited; …

Udm Dean's Report - A Look At The Student Of Today As We Prepare Them For Tomorrow, Mert N. Aksu Dds, Jd, Mhsa, Cert. Dph

The Journal of the Michigan Dental Association

UDM Dental School Dean Mert N. Aksu discusses the profiles, expectations, and challenges of modern dental students, highlighting their collaborative nature, tech-savviness, and focus on wellness and work-life balance. The report outlines UDM's clinical curriculum enhancements, including systems-based biomedical integration, and extensive clinical practice labs. Aksu addresses the substantial 58% inflation-adjusted rise in educational debt since 2008 and updates on community service rotations (Corktown Clinic, Titans for Teeth), the implementation of the new Vermont Track for rural care, the adoption of AI radiographic analysis, and comprehensive student mental health support programs.

Um Dean's Report - Meeting The Challenge Of Educating Dentists In A Constantly Evolving Profession, Jacques E. Nör

The Journal of the Michigan Dental Association

University of Michigan School of Dentistry Dean Jacques Nör highlights the school's historical legacy during its 150th anniversary and details recent academic, clinical, and research progress. Key developments include the establishment of the state-of-the-art Digital Dentistry Center for in-house digital workflows, a pediatric certificate program in Social Epidemiology funded by a $2.1 million federal grant, the transition to Epic electronic health records (integrated with MyChart), and the community-based collaborative care rotation program in Marquette. The report also highlights national faculty leadership roles and $24.1 million in research funding.

Investigating How Personal Values Shape Tourism Experiences: A Case Study Of The Irish National Stud And Gardens, Amy Monahan, Ann T. Conway

International Journal of Tour Guiding and Visitor Attraction Research

This Paper explores the relationship between personal values and tourism experiences  that are  satisfying. A case study of the Irish National Stud and Gardens was undertaken in order to explore this concept. Interviews were conducted to investigate how qualities of the attraction appealed to the visitors’ personal values, thereby enhancing the overall visitor experience. A set of personal values were identified which were specific to the destination. The research demonstrated how an understanding of personal values can assist attractions with various aspects of their operations, with context specific recommendations provided at the end. This approach was taken was taken to …

Clinic-In-A-Box: A Portable, Software-Defined Cyber Range For Realistic, Scenario-Based Cybersecurity Training, Ethan Chumley, Aaron Nair, Royce Yaezenko, Joshua Payne, Veronika Kyles, Paul Wagner, Robert J. Honomichl, Ryan Straight, Shengjie Xu

Journal of Cybersecurity Education, Research and Practice

Realistic, hands-on cybersecurity training has traditionally depended on fixed infrastructure such as dedicated lab hardware, cloud subscriptions, or permanent network connectivity, limiting where and how often it can be delivered. This paper presents the design and implementation of a portable, scenario-based cybersecurity training platform housed in a single travel case and built from commodity hardware, type-1 hypervisor virtualization, containerized service orchestration, and software-defined networking. The platform clones, isolates, and resets complete lab environments on demand, allowing the same physical system to support repeated classroom, workshop, or field deployments with minimal manual reconfiguration. Training scenarios are grounded in generated organizational profiles …

Between Digital Transformation And Regulatory Vacuum: Cybersecurity Of Public Services In Mozambique, Faztudo Languisse Eng.

Journal of Cybersecurity Education, Research and Practice

The rapid expansion of digital public services in Mozambique—including e-government platforms, digital health systems, and electronic tax administration—has outpaced the development of a coherent legal framework for cybersecurity. While Law No. 3/2017 (Electronic Transactions Law) of 9 January 2017 introduced foundational data-protection principles, Mozambique long lacked a dedicated cybersecurity regulatory authority, mandatory security standards, and formal incident-notification mechanisms. This regulatory vacuum exposed critical public services to escalating cyber risks as digital transformation was actively promoted as a development priority. This article examines the legal and institutional gaps in Mozambique's cybersecurity governance framework prior to the 2026 Cybersecurity and Cybercrime Laws, …

Moralized Indulgence In The Age Of Inflation: How “Better-For-You” Dessert Brands Reframe Pleasure As Self-Care, Dariya Savrukova

Honors College Theses

In the modern U.S. food landscape, the line between indulgence and wellness has nearly disappeared. The booming “better-for-you” dessert industry, owned primarily by multinational giants such as Mondelēz International, PepsiCo, and Mars Inc., reframes high-sugar, high-calorie treats as acts of self-discipline or self-care. This phenomenon is often referred to as “healthwashing” (Tufts Health & Nutrition Letter, 2022), when through verbal and visual language, these companies transform indulgence into moral consumption, inviting consumers to feel virtuous through consumption. Many consumers crave stability and health, but navigate an environment saturated with manipulative design and ambiguous claims. “Better-for-you” branding exploits this gap by …

A Discrepancy Evaluation Of Workforce Capacity And Emerging Skills: A Utah Case Study, Lendel K. Narine, Paul A. Hill, Andreé Walker-Bravo

Extension Research

This study examined employer-perceived competency discrepancies, anticipated competency requirements, hiring barriers, and valued educational experiences in Utah. Survey data were collected between September and October 2025 from 226 individuals with hiring responsibility in Utah-based organizations. The Ranked Discrepancy Model (RDM) quantified discrepancies between respondents’ ratings of competency importance and their satisfaction with demonstrated employee proficiency. Respondents reported the largest discrepancies for time management, critical thinking, conflict resolution, ethical judgment, and verbal communication of ideas. Respondents rated communication, collaboration, analytical thinking, and lifelong learning highest among competencies anticipated to matter most over the next five to ten years. Most employers identified …

The Anti-Racist Organization? Power, Embodiment, And The Politics Of Becoming, Patricia Tiimah Naya

Graduate Doctoral Dissertations

Why do organizational justice commitments so rarely produce structural transformation, and what happens to the people who take them seriously? This dissertation addresses that question through a longitudinal qualitative study of Aequitas University, a large public urban research institution in the northeastern United States, during a multi-year attempt to become “anti-racist.” Drawing on 129 semi-structured interviews with 115 organizational members, 7 focus group discussions, four years of field observation, and an archival corpus spanning more than a decade of institutional history, the dissertation examines how justice commitments move through organizations over time. Justice commitments do not simply succeed or fail. …

What Drives Consumers To Use Insurtech Apps? The Role Of Insurance Literacy, Jia Chun Chia, Hui Shan Lee, Bik Kai Sia

International Journal of Management, Finance and Accounting

Although financial technology has spread worldwide, the adoption of InsurTech in Malaysia is still low because of the knowledge-action gap, in which people continue to use traditional agents. This study examines the factors that determine behavioral intention to use InsurTech apps by incorporating the Unified Theory of Acceptance and Use of Technology (UTAUT) and including a novel insurance literacy factor. A cross-sectional quantitative research design was adopted, and 406 valid responses were gathered from 406 Malaysian Generation Z individuals and analyzed using partial least squares structural equation modelling (PLS-SEM). The findings indicate that the model explains 58% of the variance …

Analysis Of The Determinants Of Buy-Now-Pay-Later Payment Mode Among Malaysians In Klang Valley, Wai Zhi Tay, Chi Hau Tan

International Journal of Management, Finance and Accounting

The Buy Now, Pay Later (BNPL) service has become increasingly popular in Malaysia in recent years, especially in the Klang Valley. The BNPL service offers consumers a more convenient payment method and access to credit, raising concerns about increased household debt and financial vulnerability. In this study, this paper used financial literacy, perceived risk, credit attitude, and economic vulnerability to examine which factors influence the intention to use the BNPL payment mode. The Theory of Planned Behaviour (TPB) is used to explain the factors influencing consumers’ intention to use BNPL services. This study adopts a quantitative research design and collects …

Scrolling, Following, Deciding: The Hidden Power Of Digital Influence On Wise Financial Decision, Nur Fatihah Muhamad Irwan, Wan Rasyidah Wan Nawang

International Journal of Management, Finance and Accounting

The effect of social media and digital influencers on financial behaviours has been well documented, but there is yet any solid evidence of their role in driving wise financial decision-making among Malaysians in particular. This study hence sets out to examine the impact of social media engagement and parasocial interaction in shaping financial attitudes, and the influence of financial attitude, subjective norms, and perceived behavioural control on the intention to practice wise financial decision-making. The mediating role of financial attitude was also studied, specifically in the link between social media engagement, parasocial interaction, and intention. A total of 250 Malaysian …

Dividend Yield Modelling And Forecasting Under The Wilkie Investment Model With Inflation Effects: Evidence From Malaysia, Ilya Adlina Abd Halim, Norizarina Ishak, Siti Raihana Hamzah, Ahmad Fadly Nurullah Rasedee

International Journal of Management, Finance and Accounting

This study uses the Wilkie Investment Model in the context of the Malaysian stock exchange, incorporating inflation as a significant factor in explaining investment behavior in line with local economic conditions. Although the Wilkie model is broadly utilised in actuarial science and has been assessed in many developed countries, its use in emerging markets such as Malaysia is still limited. Based on historical data from Malaysia, both the dividend yield and inflation series were revealed to be stationary using the Augmented Dickey-Fuller (ADF) test. Therefore, the series is applicable for time series analysis. The study used Malaysian data to estimate …

Impact Of Environmental, Social, And Governance (Esg) Practices On The Stability And Profitability Of Financial Institutions In Malaysia, Sharifah Najihah Syed Ishar, Sharifah Fairuz Syed Mohamad, Nurul Sima Mohamad Shariff, Mazlynda Md Yusuf

International Journal of Management, Finance and Accounting

This study examines how Environmental, Social, and Governance (ESG) activities affect the stability and profitability of Malaysian financial institutions, in light of the country's growing emphasis on sustainable finance. Using annual data from 2014 to 2024, the study focuses on three main objectives: assessing whether stronger ESG practices enhance financial stability, identifying the most influential ESG pillar among environmental, social, and governance components, and evaluating whether ESG performance affects profitability. This study employs random-effects panel regression with robust standard errors, yielding empirical evidence relevant to Malaysia’s dual banking landscape. The results show that stronger ESG performance raises the stability of …

"Why Do Students Save Less?” A Study Of The Determinants Of Saving Intentions And Behaviours Among Undergraduate Students, Rna Hamza Ahmed Eissa, Chi Hau Tan, Ben Hou

International Journal of Management, Finance and Accounting

Despite the issue of low savings being a serious concern, limited research has been conducted on students’ saving behaviour in Malaysia, especially when it comes to private universities. This research focuses on examining factors that affect saving behaviour among undergraduate students at a private university in Malaysia, in reference to the Theory of Planned Behaviour. A mixed-method design was applied. Quantitative research was conducted, in which 122 valid responses were collected via an online survey and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). In addition, qualitative research with 11 respondents was conducted, and the data were analysed using …

Understanding Trust As A Mediating Mechanism In Ai-Based Medical Tools And Clinical Decision Processes, Shanthi Isparan, Seow Ai Na, Chang Jing Jing, Hew Jun Jie

International Journal of Management, Finance and Accounting

The growing integration of artificial intelligence (AI) in healthcare has transformed clinical decision-making. Nevertheless, doctors’ engagement with AI-based tools remains hindered, particularly due to trust-related concerns. The purpose of this study is to examine the factors influencing doctors’ engagement with AI-based medical tools, with a focus on the mediating role of trust within the Unified Theory of Acceptance and Use of Technology (UTAUT). Data were collected from 197 doctors in Selangor and Kuala Lumpur through a structured survey and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4 software. The findings reveal that performance expectancy, effort expectancy, …

The Intersection Of Sport Betting And Consumer Behavior: A Systematic Review, Jackson Sears, Beth Cianfrone

UNLV Gaming Research & Review Journal

Sport betting is a popular and lucrative entertainment segment of the sport industry. As such, understanding consumer behavior across the betting experiences is critical for the many stakeholders involved. The current study is a systematic quantitative literature review which assesses the current state of literature that intersects sport betting and consumer behavior literature, specifically cognitive, affective, conative, and consumption behavior of the sport bettors. The purpose of the systematic review is to (1) identify the most recent sport betting consumer behavior research, (2) compile and examine theoretical frameworks guiding sport gambling consumer research, (3) provide a descriptive summary of findings …

Moral Issues In Business, Andre Dobronic Parola

Open Educational Resources

In this course students will initially be introduced to different ethical theories as well as two different theories of justice. Subsequently—following an introduction to basic economical ideas concerning the place of businesses and corporations in modern capitalistic society—various questions specific to business ethics will be taken up. Topics will include: arguments for and against the stakeholder theory of business ethics; corporate social responsibility; the problem of sex-based discrimination in the workplace-setting; business and the environment; globalisation; and lying in business negotiations.

Creating Business Teaching Cases With Deep Research Ai: The Lov Ai Co-Creation Approach, David Grundy

International Journal of Teaching and Learning in Higher Education

This paper examines the use of generative artificial intelligence in the development of teaching cases for MBA programs. The study introduces the Lecturer Oversight and Verification of AI (LOV AI) Co-Creation Approach, which integrates the ChatGPT 5.2 Thinking Deep Research model with structured subject expert supervision to produce teaching extended case studies and related teaching materials. The model is implemented through a multi-step process. First, specific prompts are used to identify and select potential case topics that align with required syllabus objectives. Next, the AI model generates extensive drafts that include narratives, background information, and supporting data for each case. …

The Impact Of Mobile Financial Inclusion On The Performance Of Savings And Credit Cooperative Societies (Saccos) In Tanzania, Penina Benjamin Waryoba

Business Management Review

This study examined the influence of Mobile Financial Inclusion (MFI) on the Performance of SACCOs business (PSB) in Dar es Salaam, Tanzania. Through the Resource-Based View (RBV), the study assessed how the ability to save money (SM), transfer money (TM), and access to financial information Access (FIA) shape PSB as guided by the Theory of Planned Behavior (TPB). The data were collected from 226 SACCOs using mail survey self-administered questionnaires, and analyzed using Structural Equation Modeling (SEM) in Smart-PLS. The findings reveal that all three independent variables SM, TM, and FIA positively and significantly, enhanced PSB. The results further show …

The Role Of Green Accounting In Achieving Sustainable Development Through The Quality Of Accounting Information: An Empirical Study Of Iraqi Industrial Companies, Ahmed Neamah Abed, Anmar Adnan Khudhair, Farqad Mohammed Bakr Al Saadi

Muthanna Journal of Administrative and Economics Sciences

The goal of this study is to highlight the role of green accounting, both direct and indirect, via the quality of accounting information, in achieving sustainable development goals in industrial companies in Iraq. The methodology was done based on data obtained in 2026 through a questionnaire sent to a random sample of 110 employees (accountants, heads of finance departments, finance managers and internal auditors) in industrial companies listed on the Iraq Stock Exchange. Structural equation modelling (SEM) was used to test the hypotheses and pathways by applying AMOS software. Furthermore, the results indicated that the green accounting is positively and …

The Mediating Role Of Production Process Efficiency Through Lean Production In Enhancing Institutional Excellence: An Applied Study At The Maysan Oil Factory, Asst. Lect. Wasan Jawad Kadhim

Muthanna Journal of Administrative and Economics Sciences

This study aimed to analyze the mediating role of production process efficiency in the relationship between lean production and organizational excellence, through an applied study at the Maysan Oils Factory. This was done within the framework of efforts to improve operational performance and enhance the competitiveness of industrial enterprises. The study’s significance stems from its highlighting of lean production as a modern strategic approach and its showcasing of the role of production process efficiency as an intermediary mechanism that contributes to achieving organizational excellence in the industrial environment. The study adopted a descriptive-analytical approach. The study population consisted of employees …

Business Educational Skills For Successful Aviation Fire Officers, Leo Sedlmeyer

All Faculty and Staff Scholarship

Purpose: This paper explored the business educational skills aviation fire officers use to manage airport fire departments.

Design/Methodology/Approach: The methodology was a qualitative phenomenological study design. The participants began with 10 aviation fire officers from airports throughout the USA who were at least 28 years old, in a leadership role, and had at least 10 years of experience as aviation fire officers (Buttenschon, 2016). Saturation was reached at seven during the interview phase. The limitations of this study were gaining participants' trust and obtaining comprehensive information from them.

Findings: Six themes emerged from this study, with the top three identified: …

Neo Banking Adoption Among Banking Customers: An Empirical Study Using Pls-Sem, Sree Bhoojitha V, Vishnucharan N S

Journal of Global Management Research

The rapid advancement of financial technology has fundamentally transformed the banking landscape, giving rise to neo banks — fully digital banking platforms operating without physical branches. Despite the growing significance of neo banking in India, customer awareness and adoption remain evolving areas requiring systematic investigation. This study, titled "Study on Neo Banking Adoption by Banking Customers," examines customer awareness, usage patterns, satisfaction levels, and the key factors influencing adoption intention of neo banking services. Grounded in the Technology Acceptance Model (TAM), the study incorporates Perceived Usefulness, Perceived Ease of Use, and Trust as independent variables influencing Neo Banking Adoption Intention. …

A Study On The Usage Of Digital Technology For Personal Financial Planning: A Comparative Study Among Generation Y And Z, Saraswathy N.S, Srinidhi Sundar

Journal of Global Management Research

No abstract provided.