Digital Commons Network^™

The Specifics Of Green Mortgages: A Case Study Of Poland, Mateusz Tomal, Ewa Gorlecka-Łabiak

Journal of Banking and Financial Economics

The green mortgage market in Poland has received limited research attention. Therefore, this article aims to present the specifics of the green mortgage market in Poland. To thoroughly investigate the issue, in-depth interviews were conducted with 12 banking sector representatives, each with varying experience and professional roles. The study’s findings revealed that there is no formal definition of green mortgages, which hinders both banks and their customers. Currently, green mortgages are rarely granted due to their limited economic benefit to borrowers and the small number of residential properties that qualify. For banks, green mortgages present an opportunity to expand their …

Unspent Donations In Donor Advised Funds - Policy Recommendation, Oriel Nolan-Smith

Hatfield Graduate Journal of Public Affairs

Billions of dollars are sitting in Donor Advised Funds, delaying support for charitable organizations seemingly at odds with the intent of U.S. charitable tax policy. With no requirement for annual distribution nor timelines for disbursement, Donor Advised Funds allow individual and institutional donors to postpone directing funds to charitable organizations - despite already claiming tax benefits. As a result, some DAFs distribute less than 5% of assets annually, while many of the institutions managing the DAFs continue collecting fees.

Two complementary policy interventions are recommended: (1) the issuance of a federal regulation requiring annual minimum distributions from all DAFs, and …

Marketing Strategies To Increase Student Enrollment To Generate Revenue, Jermaine R. Mccain

Walden Dissertations and Doctoral Studies

Declining student enrollment can reduce district revenue and limit a public school’s ability to sustain educational programs, staffing, and overall organizational effectiveness. Public school business leaders who lack effective marketing strategies to increase student enrollment may experience financial instability, limiting their organization’s capacity to maintain long-term operational sustainability. Grounded in consumer choice theory, the purpose of this qualitative pragmatic inquiry was to identify and explore effective marketing strategies public school business leaders use to increase student enrollment to generate district revenue. Participants were six public school business leaders in the southeastern United States. Data were collected through semistructured interviews and …

Leading Through Difference: Core Values, Neuroscience, And The Habits Of Transformative Leaders, Jaime E. Welborn

The Journal of Values-Based Leadership

Educational leaders are increasingly called to meet the demands of K-12 schools by managing diversity, navigating conflict, and leading change. One's core values, neuroscience, and cultural proficiency of educational practices play a very important role in how they lead organizations and interact with others. This conceptual paper explores the intersection of neuroscience, core values, and associated habits that support effective cross-cultural interactions. Drawing upon frequency count data from documents collected during professional learning activities in school organizations in New York, Missouri, and California from 2018 to 2025, empathy, open-mindedness, and communication emerged as the most frequently reported important core values …

Francis Bacon As Philosopher Of Leadership: The Essays As Manual For Values-Based Leaders, Matthew Sharpe

The Journal of Values-Based Leadership

This essay presents the case for Francis Bacon as what we would today term a leadership theorist avant la letter, focusing on the development of the character of leaders, faced with all the pressures of their role.  We aim to show Bacon's leadership theory at once anticipates without directly embodying contemporary leadership theories (in part 1): not only presenting a robust moral vision for leadership, as serving the public good (part 2), but differentiating characteristic kinds of “followers,” with their strengths, weaknesses, and characteristic vices, and realistically addressing how to best lead them (Part 3); and providing ten "how …

Left On The Cutting Room Floor, Ross K. Goldberg

The Journal of Values-Based Leadership

Nearly two decades ago, a Los Angeles-based client of ours was looking for a way to draw broadcast media attention to their annual 5K walk. In Los Angeles, as every weekend is overcrowded with many such events, it is hard to politely tell a client that “the media doesn’t care” and that another standard walk in LA has all the presence and pizzazz as day-old mashed potatoes. Clearly, some creativity was required to make them care. As it turns out, the client was one of the largest campuses for senior housing in the Western United States so we suggested that …

A Person For All Seasons: The Remarkable Leadership Of Mother Cabrini And Why It Matters Today, Emilio F. Iodice

The Journal of Values-Based Leadership

The history of organizational management is often written in the bold, sweeping strokes of industrial barons or the calculated maneuvers of political statesmen. Yet at the turn of the twentieth century, one of the most sophisticated examples of global institutional scaling was orchestrated by a woman who stood barely five feet tall, held no formal political title, and suffered from debilitating physical frailty. Frances Xavier Cabrini (1850–1917) did not merely practice charity; she engineered a global revolution of care. Over a twenty-eight-year executive career, she founded sixty-seven schools, orphanages, and hospitals across three continents, thereby transforming the social landscape of …

Ethics: The Connective Tissue Of Human Life, Joseph P. Hester

The Journal of Values-Based Leadership

America needs to take a deep breath and reconsider the purposes of democracy, but more, infuse some modicum of commonsense into political decision-making. How many unnecessary wars and homeland killings must we endure and how many lies must we listen to as Trump filibusters his way onto the world’s stage? Seeking lucidity in Trump’s actions may be a stretch and even many of his supporters are asking for explanations, values’ consistency, and Constitutional clarity. I could go on, but this comment sets the tone for this editorial comment.

Summer/Fall 2026

The Journal of Values-Based Leadership

No abstract provided.

The Institutional Production Of Ethical War Across Modern Conflict, Katerina Udov

Binghamton University Undergraduate Journal

This paper argues that modern warfare operates through an ethical infrastructure that enables, rather than restrains, the use of violence. Contrary to the common assumption that moral frameworks such as Just War Theory function as safeguards against harm, the historical record shows that ethical language, humanitarian rhetoric, and democratic narratives serve as mechanisms to legitimize intervention, manufacture consent, and naturalize civilian suffering. Through case studies including Vietnam, Iraq, Afghanistan, U.S.-backed coups in Latin America, and French intervention in Mali, the paper traces how political leaders, media institutions, and corporate actors frame war as a moral necessity while pursuing strategic and …

Socio-Demographic Correlates Of Consumers’ Readiness To Use Ai In Financial Decision-Making, Michał Buszko, Tomasz Szopiński

Journal of Banking and Financial Economics

This study investigates the socio-demographic factors associated with readiness to use AI-driven tools in financial decision-making. It uses data from a representative survey of Poles and conceptualises an AI readiness index. It then estimates the relationships between socio-demographic characteristics and this index using an ordinary least squares (OLS) regression model. Additionally, robustness checks are conducted with heteroskedasticityrobust standard errors and multiple imputation. The OLS results were supplemented by one-way Analysis of Variance (ANOVA) with Tukey’s Honestly Significant Difference (HSD) post hoc tests to identify groups’ differences. The results demonstrate that gender, age, education, and income are significantly associated with consumers’ …

Sales Innovativeness Climate And B2b Salesperson Performance: The Roles Of Persistence, Entrepreneurial Self-Efficacy And Creative Selling, John Charles Peter Edwards, Steven Peter D'Alessandro, Morgan Miles

Research outputs 2022 to 2026

Purpose: Persistence is widely viewed as essential for success in business to business (B2B) selling, yet it remains unclear how persistence translates into higher sales performance when selling requires experimentation and novel customer solutions. This study examines whether a perceived sales innovativeness climate enables persistence and entrepreneurial self-efficacy (ESE) and, in turn, creative selling, driving B2B sales performance.

Design/methodology/approach: An online survey of 346 US-based B2B salespeople was analyzed using partial least squares structural equation modelling (PLS-SEM).

Findings: The perceived sales-innovativeness climate is positively associated with ESE, persistence, and sales performance. Persistence is positively related to sales performance and ESE, …

Mental Health Challenges Associated With Social Media Use And Effective Management Strategies: A Systematic Literature Review, Ebrahim Timol, Kebashnee Moodley

The African Journal of Information Systems

This study conducts a Systematic Literature Review (SLR) to investigate the mental health challenges associated with increasing social media (SM) usage. The review compares these effects across youth and adult age groups and explores how mental health issues related to SM use have evolved before, during, and after the COVID-19 pandemic. Through a comprehensive search of databases including ProQuest, Scopus, JSTOR, and Google Scholar, 43 relevant articles were analyzed using thematic analysis. The findings reveal that social media usage exacerbates mental health issues such as depression, anxiety, fear of missing out (FOMO), social and financial comparisons. The COVID-19 pandemic notably …

The Use Of Public Relations Departments In Palestinian Private Companies In The Northern Governorates On Social Media And Its Impact On Achieving Competitive Advantage, Ahmed Ammar

Middle East Journal of Communication Studies

This study aimed to examine the use of public relations departments in private Palestinian companies in the northern governorates for social media and their impact on achieving competitive advantage. The study adopted a descriptive-analytical approach, with data collected via a questionnaire distributed to a sample of 49 employees in public relations and related administrative roles. Descriptive analysis indicated that digital content management, media communication, audience engagement, relationship building, and performance monitoring and strategic analysis are all key factors in enhancing competitive advantage, with varying levels of impact. Multiple regression analysis showed that digital content management and media communication and audience …

The Roles Of Shame In Ex-Christians' Personal Experiences And Deconversion Journeys, Anaya Bruno

Florida Atlantic Undergraduate Research Journal

Although the benefits of religion on individuals’ mental wellbeing have been well-studied, research exploring aspects of religion that may prove harmful to mental wellbeing is limited. This study explores the roles of shame in the experiences of ex-Christians that led to their deconversion. The study’s results have implications for understanding the experiences of religious trauma, considering that chronic shame has been linked to the development of trauma. Respondents, recruited via Reddit, answered survey questions about the ways in which they perceived shame to influence their religious experiences, personal experiences, and religious deconversion. Inductive thematic analysis was utilized to derive themes …

Common Cybersecurity Attack Types And Zeek-Based Detection Strategies In Iot Networks, Christofer Piedra, Alain Edwards

Florida Atlantic Undergraduate Research Journal

As cybersecurity threats increase in scale and complexity, the ability to distinguish hostile traffic from benign network activity is essential. This research examines five prevalent cyberattack categories that impact IoT environments and outlines detection strategies utilizing the open-source Intrusion Detection System (IDS) Zeek. This study provides practical detection methods designed for scalable, real-time environments by classifying five commonly encountered attacks, namely: Reconnaissance, Denial of Service (DoS) and Distributed Denial of Service (DDoS), Brute Force, Man-in-the-Middle (MitM) and Spoofing, and Botnet and Malware Behavior. For each attack, we analyze the prevalence, operational impact, and associated indicators. We also present Zeekbased pseudocode …

Gender Differences In Streaming Service Adoption And Cancellation During Covid-19, Dylan Lewis

Florida Atlantic Undergraduate Research Journal

For over a decade, the rise of subscription-based entertainment models has appeared inevitable. This trend became even more apparent when the world went into lockdown to curb the spread of COVID-19. During this time, many people began reevaluating how they allocated their discretionary income for day-to-day purchases as the future looked bleak. The purpose of this study was to examine people’s preferences between subscription-based models and one-time purchases. To do this, a 12-question survey was conducted, and data were collected through Amazon Mechanical Turk, yielding over 195 responses. The results indicate a statistically significant relationship between age and the use …

Biographies, Editorial Team

Florida Atlantic Undergraduate Research Journal

No abstract provided.

Table Of Contents, Editorial Team

Florida Atlantic Undergraduate Research Journal

No abstract provided.

Exploring Gender Differences In Perceptions Of Ai's Impact On Social Media, Samkit Bothra

Florida Atlantic Undergraduate Research Journal

Artificial Intelligence (AI) is increasingly shaping social media through content personalization and moderation, raising questions about its influence on public opinion and trust in digital news. Gender plays a key role in shaping perceptions of AI’s impact, with men and women potentially viewing its applications differently. This study explored gender-based perspectives on AI’s role in social media, focusing on its effects on information credibility and privacy. Data from 155 participants, collected via Amazon Mechanical Turk, were analyzed using IBM’s SPSS. The first hypothesis proposed that women would be more skeptical than men about AI's use in news, citing greater concerns …

Framework For Building A Social Media Marketing Strategy For Micro-Small Businesses, Joanna Byrne

Theses

Existing social media marketing literature consistently fails micro-small businesses with five or fewer staff. These sources default to models built for brands with dedicated marketing teams and large budgets. This project addresses that gap using a mixed-methods, practitioner-based action research design. It combines quantitative platform analytics with qualitative process documentation. The research covers four businesses at distinct stages of digital development: Torched Motorsport Supply, a new automotive parts retailer built from zero digital infrastructure; Byrne Diesel Performance, an established diesel shop with an unoptimized presence; Texas Best Compost, a startup developing its brand identity and digital launch disrupted by supply …

Income Tax Over-Withholding And Household Investment Decisions, Xi Novia Chen, Jungbae Kim, Ben Lourie, Chenqi Zhu

Research Collection School Of Accountancy

Over three-quarters of U.S. taxpayers over-withhold taxes, leading to tax refunds. This study explores how over-withholding impacts stock investments by comparing individuals' investment patterns from wages and tax refunds. We find that while some portion of tax refunds are promptly invested, the investment rate is lower than that of wages. This suggests that over-withholding, which alters the label and timing of wages into refunds, influences investment behavior. Our cross-sectional analysis indicates that the differential propensity to invest wages versus tax refunds are more pronounced for individuals with automatic investment setups and lower financial sophistication. These findings underscore the importance of …

The Gravity Of The Ukraine War: Measuring Conflict Impacts On European Grain Trade, Stefan Bonchis

Graduate Theses and Dissertations

This thesis investigates the heterogeneous structural disruptions caused by the war in Ukraine on the European Union’s agricultural trade architecture, focusing on three critical commodities: wheat, maize, and sunflower seeds. Employing a structural gravity model framework across all 27 EU Member States, the study evaluates two conflict episodes, the 2014 Crimea annexation and the 2022 full-scale invasion, to identify the net beneficiaries and heavily impacted nations within the EU agricultural trade network. The empirical strategy utilizes a dual-test design to capture the full scope of the disruption. Test A (Ukraine towards the EU trade) reveals a distinct geographic logic in …

Cultural Diplomacy Through Museums: An Analysis Of The Role Of Sheikh Dr. Sultan Al Qasimi In Promoting Intercultural Dialogue Through History, Culture, And Tourism, Abdulla Almheiri, Fareed Awae, Muhammad Talhah Jima’Ain, Hamdan Chehdimae, Mohamad Azrien Mohamed Adnan, Fuad Trayek

All Works

This study aims to analyze the role of cultural diplomacy in the Emirate of Sharjah through museums. Particular emphasis is placed on the important contributions of His Highness Sheikh Dr. Sultan Al Qasimi in promoting intercultural communication and consolidating cultural identity through the support of history, archaeology, and tourism. The study uses a quantitative approach with a survey research design. The perspectives of 285 museum visitors have been analyzed based on arithmetic means and standard deviations to measure their level of awareness regarding the museum’s historical, cultural, and tourism dimensions. The findings indicate a high level of awareness concerning the …

Career Pathways Program Annual Report For Ay 2025/26, Wie Yusuf

Career Pathways

Career Pathways launched in August 2017 as the university-wide initiative to provide career and professional development to graduate students. It encompasses both the Preparing Future Faculty (PFF) and the Preparing Future Professionals (PFP) Certificates. The Preparing Future Faculty Certificate was established in 2007, while the Preparing Future Professionals Certificate was launched in 2017, concurrently with the introduction of Career Pathways. The Career Pathways program prepares graduate students for a successful transition into thriving careers. With the PFP Certificate, the emphasis has been on addressing the existing gap in career and professional development for master’s and doctoral students with career plans …

Digital Privacy In Marketing And Advertising: A Review Of Evolving Consumer Concerns, Stakeholder Dynamics, And Theoretical Perspectives, Galvin Kuan Sian Lee

DLSU Business & Economics Review

The intensification of data-driven advertising has heightened public scrutiny of digital privacy and exposed persistent contradictions in consumer behavior. This structured integrative narrative review critically synthesizes contemporary research on the privacy paradox in digital advertising, with emphasis on consumer privacy concerns, stakeholder tensions, trust formation, transparency, perceived control, and privacy-reconfiguring advertising ecosystems. Drawing on interdisciplinary evidence from marketing, information systems, and digital policy research, the review maps five key domains: the evolution of privacy concerns; multi-theoretic perspectives explaining privacy-related behaviors; stakeholder tensions among consumers, advertisers, and regulators; the effect of privacy perceptions on trust and engagement; and the role of …

The Personality Profile Of Entrepreneur And Business Leader Elon Musk, Amelia Brower, Aubrey Immelman

Psychology Faculty Publications

This paper presents the results of an indirect personality assessment of entrepreneur and business leader Elon Musk, from the conceptual perspective of personologist Theodore Millon.

Psychodiagnostically relevant data relating to Musk were collected from biographical sources and media reports and synthesized into a personality profile using the Millon Inventory of Diagnostic Criteria (MIDC), which yields 34 normal and maladaptive personality classifications congruent with DSM-III-R, DSM-IV, and DSM-5-TR.

The personality profile yielded by the MIDC was analyzed in accordance with interpretive guidelines provided in the MIDC and Millon Index of Personality Styles (MIPS) manuals. Musk’s primary personality patterns …

The Study Of How Sensory Marketing Techniques Used By Beauty Brands Influence Engagement And Consumer Perception On Social Media Platforms, Particularly By Evoking Specific Consumer Emotions, Eeshani Juthani

Digital Marketing Theses

This study describes how a consumers' attitude towards beauty products on social media is affected by sensory marketing techniques and cues. This study also examines how sensory marketing tactics and elements such as sight, sound, smell, touch, and taste affects the way a consumer engages with content on social media platforms like Tiktok and Instagram.

Deepfakes As Crisis Triggers: Experimental Evidence On Response Strategy Effectiveness, Responsibility Attributions, And Sharing Intentions, Alicia Mason, Mariah Laman, Tanner Glenn, Treyton Meyers

Faculty Submissions

The term deepfake refers to falsified media content created using artificial intelligence (AI) technologies to manipulate audio, video, or images. Deepfake news fabrications are designed to appear highly realistic, making it difficult for audiences to distinguish them from authentic content. Responding to deepfake-induced  reputational threats therefore presents a unique challenge for organizations. Despite the growing prevalence of deepfake technology, little experimental research has examined how different crisis communication strategies perform in mitigating the reputational and relational harm posed by deepfake-induced crises. Accordingly, this study seeks to (1) examine how exposure to deepfake news relates to public perceptions and affect toward …

J Mich Dent Assoc July 2026

The Journal of the Michigan Dental Association

Each month, the Journal of the Michigan Dental Association delivers news, information, and features about Michigan dentistry to our state's oral health community and the MDA's 6,200-plus members. It remains the main publication reaching Michigan dentists and is available worldwide through ADA Commons.

The July 2026 (Volume 108, No. 7) issue of the Journal is published in print format to provide updates and insights for Michigan's oral health community and MDA members. Print editions occur every other month beginning with January.

The July 2026 issue of the Journal of the Michigan Dental Association celebrates the 40th anniversary of the association's …