Business Commons^™

The Follower Fallacy: Revisiting Engagement Hypothesis By Evidencing Nonlinear Dynamics In Influencer Marketing, Pranjal Jain, Pooja Jain, Anju Jain

DLSU Business & Economics Review

The traditional premise posits a positive correlation between influencer following (indegree) and engagement metrics, covering likes, shares, comments, and so forth. This study aims to either affirm or dent this engagement hypothesis. Through a methodical analysis of engagement data, this research recognizes potential deviations from the anticipated linear trajectory. Contrary to antecedental social influence, campaign customization, indegree composition, and post components define diverse nonlinear trajectories, empirically challenging the existing research assumptions underlying hypothesis. By evidencing the multifaceted dynamics of influencer engagement, this study offers critical insights for marketers navigating the complexities of contemporary digital marketing landscapes, facilitating the optimization of …

Personal Finance – Emerging Issues And Trends. Opening Remarks, Katarzyna Kochaniak, Witold Gradoń

Journal of Banking and Financial Economics

Personal Finance – Emerging Issues and Trends. Opening Remarks

European Household Savings Dynamics: Under Inflation And Post-Pandemic Shocks, Mateusz Mierzejewski, Julia Szczurek

Journal of Banking and Financial Economics

The Covid-19 pandemic, which began in early 2020, triggered a global health and economic crisis, leading to unprecedented changes in consumer behaviour and the functioning of national economies. This article examines the impact of the pandemic and the subsequent inflationary crisis on household savings levels in selected European countries. The analysis includes an assessment of household responses to changing macroeconomic conditions, such as inflation, interest rates, and household incomes, as well as the effectiveness of implemented monetary and fiscal policies. The study employs a neural network model considering autoregressive relationships in a panel data approach. The research covers data from …

Digital-Only Banks – Retail Banks For Retail Customers Only?, Katarzyna Schmidt-Jessa, Maciej Stradomski

Journal of Banking and Financial Economics

This paper explores how traditional banks perceive digital-only banks and the potential impact of digital-only banks on the retail segment of the banking sector. To obtain the main goal, we conducted in-depth semi-structured interviews with managers and directors representing different traditional banks with profound insight into the bank digitalisation process. The results indicate that, for traditional banks, the development of digital-only banks does not pose a threat or challenge that can significantly undermine their business. A high level of user experience, innovativeness, and lack of obsolete processes and technologies are the main advantages of digital-only banks that attract retail customers. …

Entire Volume Journal Of Banking And Financial Economics 2025, 2(24)

Journal of Banking and Financial Economics

Entire Volume Journal of Banking and Financial Economics 2025, 2(24)

Contents, Discovery Editors

Discovery, The Student Journal of Dale Bumpers College of Agricultural, Food and Life Sciences

No abstract provided.

Instructions For Authors, Discovery Editors

Discovery, The Student Journal of Dale Bumpers College of Agricultural, Food and Life Sciences

No abstract provided.

The Contributors, Marites Tiongco

DLSU Business & Economics Review

No abstract provided.

Determinants Of Corporate Capital Structure And The Emerging Role Of Intangibles And Innovation: The Case Of Japanese Corporations, Michael Angelo A. Cortez

DLSU Business & Economics Review

This study aims to modernize capital structure determinants in line with changing economic environments by incorporating the function of intangible assets, particularly innovations, into capital structure decisions. Traditional independent variables such as tangibility, firm size, profitability, growth opportunities, and profitability have been thoroughly researched, but the growing importance of intangible assets and innovations in the contemporary economy with advanced technology calls for a reassessment of their impact on capital structures. I examine 95 enterprises listed in the Nikkei over 11 years (2014–2024) using cross-section generalized least squares regression and dynamic panel data estimation. Results show that corporate leverage decisions (debt-to-equity …

Impact Of International Trade Competitiveness On Unemployment And Poverty Reduction In Ecowas Region, Ikubor Ofili Jude, Yahaya U. Isah, Ojih U. Abraham, Mazeli O. Mark, Abdul Y. Mary

DLSU Business & Economics Review

This study investigates the impact of trade competitiveness on unemployment and poverty in the ECOWAS region. The study relied on POLS, FE, and RE techniques to analyze the impact of export value and trade openness on unemployment and poverty in the ECOWAS region from 2001 to 2020. Annual time series data were sourced from World Bank and World Integrated Trade Solution databases. Major findings from this study show that unemployment responds strongly and favorably to export value and trade openness, whereas poverty responds favorably to trade openness. Further investigation revealed that trade regulatory environment is a determinant of unemployment and …

Assessing The Impact Of Shifting To Non- Combusted Alternatives To Reduce The Economic Cost Of Tobacco-Related Illnesses: A Cost Of Illness Approach In The Philippine Case, Christopher James Cabuay

DLSU Business & Economics Review

Smoking continues to be one of the leading causes of death and disability around the world. Recent health studies, however, have reported that these diseases are more likely to be due to the smoke from burning rather than the actual nicotine content. This study uses a cost-of-illness approach in estimating the cost of smoking-related illness in the Philippines and calculating the potential reduction in costs if a significant portion of the adult smoking population switches to the exclusive use of non-combusted alternatives (NCAs), which drastically reduces the risk of contracting smoking-related diseases. This study finds that cost reductions in the …

Vocational Education And Training (Tvet) And Its Impact On The Employment Prospects Of The Als Graduates, Martha Joy J. Abing, Mitzie Irene P. Conchada

DLSU Business & Economics Review

The pressure for technical-vocational education and training to deliver skilled and competent laborers has become a major concern in the labor market. As such, the strong desire to explore the effectiveness of TVET’s skills training programs remains. There is limited literature on the employability of the alternative learning system graduates in comparison to those graduates of the ALS program who did not pursue TVET. Using the dataset of the World Bank STEP Skills Measurement Household Survey for the Philippines, 2015-2016, this study seeks to determine whether completing TVET has significantly increased the employability of ALS graduates. Utilizing the method of …

A Review Of Climate Change And Its Financial Impact On The Transportation Sector, Ray Anthony L. Almonares

DLSU Business & Economics Review

In this paper, I review the existing literature on climate risks—both transition and physical—and their relationship with firm performance, with a specific focus on transportation finance. I find that the broad literature on carbon emissions and firm performance overlooks two critical characteristics of the global transportation sector: its heavy reliance on fossil fuels and the international scope of its operations. As a result, the conclusions drawn from this body of work may not be directly applicable to global transportation companies. Furthermore, I examine existing studies on extreme sea levels and the global maritime transportation sector, noting that these studies have …

A Comparative Analysis Of Hedging And Safe-Haven Properties Of Cryptocurrencies And Commodities, Tari M. Karimo, Ochoche Abraham

CBN Journal of Applied Statistics (JAS)

No abstract provided.

2024 Aadej-Adea Gies Foundation Editorial Award - Third Place: Gen Ai, Marisa Watanabe Dds, Ms, Ficd

AADEJ - The Communicator

This article is featured as a recipient of a 2024 AADEJ-ADEAGies Foundation Editorial Award. It explores the growing presence of Generative Artificial Intelligence (AI) in everyday life and its specific implications for dentistry. While AI shows great promise in improving diagnostic accuracy in dentistry, the author cautions that it is not without limitations and potential mistakes, such as overfitting, lack of contextual information, limited data diversity, false positives/negatives, inadequate training data, and sensitivity to image quality. The piece stresses that AI should augment, not replace, dental professionals, serving as a supportive aid rather than a definitive diagnostic tool. Key benefits …

2024 Aadej-Adea Gies Foundation Editorial Award- Second Place: The Human Role In Artificial Intelligence, Christopher J. Smiley

AADEJ - The Communicator

This article is featured as a recipient of a 2024 AADEJ-ADEA Gies Foundation Editorial Award. It addresses concerns about Artificial Intelligence (AI) in dentistry, particularly the warning from technology researchers regarding "profound risks to society and humanity" due to advanced AI systems. The author argues that the conversation should focus on AI's potential and, more critically, the essential role humans play in its successful adoption, rather than fears of machines taking over. A main risk identified is blind reliance on AI recommendations, which can lead to a loss of critical thinking, misdiagnosis, or inappropriate treatment decisions. Therefore, focused human oversight …

Aadej And Icd Usa Section — Together For Over 50 Years!, Elaine C. Wagner Dds

AADEJ - The Communicator

With a new-found collaboration of our annual meetings in 2025, we celebrate more than 50-year partnership between the International College of Dentists (ICD) USA Section and the American Association of Dental Editors & Journalists (AADEJ). It highlights that both organizations are composed of individuals passionate about their respective missions: ICD Fellows focus on serving the underserved and improving global oral health, while AADEJ is dedicated to enhancing communication and elevating standards in dental journalism. The collaboration has stood the test of time, and for the first time, their Annual Meetings in 2025 will be held together at the Manchester Grand …

Modeling Healthcare Managerial And It Sophistication, Gary Hackbarth, Teuta Cata

Journal of International Technology and Information Management

Sophisticated healthcare managers understand that managing information and selecting technology are two related but separate skill sets. Information Technology Governance (ITG) allows healthcare organizations to deal with complex issues, compete effectively, and support patient needs by integrating managerial and IT sophistication to improve business performance. An organizational model that merges IT and managerial sophistication by improving ITG to forecast business outcomes must grasp the intricacies of technology to acquire, manage, and utilize information technology in alignment with business strategies. The proposed model differentiates between internal and external IT management strategic thinking, emphasizing the critical need to govern IT effectively by …

The New Professional: Intentional Goal-Setting For 2025, Amrita Patel D.D.S.

The Journal of the Michigan Dental Association

The article emphasizes the importance of intentional goal setting, networking, and leadership for new dentists to achieve long-term success. It advocates for setting clear, measurable goals, breaking them into manageable milestones, and focusing on building strong professional relationships. Networking with mentors and peers, engaging in social media, and participating in dental organizations are highlighted as ways to foster growth and opportunities. Leadership roles, even in small capacities like volunteering or joining committees, are seen as critical steps toward personal development and career advancement. These strategies collectively help new dentists establish a solid foundation for achieving their professional aspirations.

Effect Of Trade Openness On Food Security In Economic Community Of West African States Region, Yahaya Umar Isah, Ikubor, Ofili Jude, Bernard, O. A., Zakari Saheed S., Ayodeji, S.

DLSU Business & Economics Review

This study investigates the impact of trade openness on food security in the ECOWAS trade zone. The study relied on the system GMM approach to analyze the impact of trade openness on overall and disaggregated components of food security in the ECOWAS trade zone during the period 2014 and 2021. Annual time series data were sourced from the Food and Agriculture Organization, World Bank Metadata base, and World Integrated Trade Solution. Major findings from the study reveal that trade openness has a significant positive impact on overall food security indicators. However, trade openness has not significantly impacted food availability and …

The Global Value Chain Effects Of Rcep: Estimating The Impact On The Philippines, Caesar B. Cororaton

DLSU Business & Economics Review

This paper extends the global CGE model results of Cororaton (2022) by disaggregating further the RCEP trade creation effects on the Philippines into global value chain (GVC) impacts. The GVC analysis indicates that the trade agreement in RCEP results in higher Philippine exports of US$ 2.8 billion in 2031, of which the increase in Philippine domestic value added is US$ 2.4 billion, significantly higher than the foreign value added of US$ 403 million. Electronic products contribute 67% of the value added generated within the Philippines. The increase in the import contents of Philippine exports is only US$ 413 million. Furthermore, …

Social And Commercial Crowdfunding Through The Lens Of The Theory Of Planned Behaviour And Financial Well-Being, Joanna Adamska, Urszula Mrzygłód

Journal of Banking and Financial Economics

A unique feature of crowdfunding is that it relies on numerous individuals contributing financially to the project, which sets it apart from traditional financing channels. Unlike banks, where funding decisions are subject to strict prudential criteria and the creditworthiness of the borrowing entity, crowdfunding projects appeal to various worldviews and values held by potential backers. Therefore, the financial decision to support the crowdfunding project becomes a unique problem in personal finance. This study aims to analyse the psychological and financial factors influencing crowdfunding participation, comparing social and commercial projects using the Theory of Planned Behaviour (hereinafter: TPB) and subjective financial …

Toward Charity Engagement Of Generation Z: Do Gender And Economic Standing Of Household Matter?, Sylwia Badowska, Liwia Delińska

Journal of Marketing and Consumer Behaviour in Emerging Markets

In Poland, non-profit organizations face challenges in attracting and engaging donors, especially of younger ages, in charity. The study explores factors such as gender and household economic standing of Generation Z’s representatives in order to determine charity engagement in the wake of the frequency, value, and channels of financial donations among Generation Z. A survey (CAWI method) was conducted among young people under 25 in Poland. Descriptive statistics and statistical tests were performed to analyse the primary data.

Outcomes show that young donors mostly provide financial aid donations once a year and both online platforms and traditional collection methods were …

Storytelling As A Method Of Increasing The Engagement Of Market Research Participants, Michał Ścibor-Rylski

Journal of Marketing and Consumer Behaviour in Emerging Markets

The presented study is a partial replication of the effect discovered in the author’s previous studies on the influence of storytelling techniques on quantitative market research participant engagement. The study was conducted using the CAWI method on a nationwide sample of N=517. In the experimental group, all questions were asked in a narrative form and were part of a coherent story. The traditional approach was used with the control group. An additional independent variable was the moment of giving instructions containing storytelling elements: before or after the presentation of the advertisement The results replicate the main effect showing that using …

A Systemic Analysis Of Helicopter Instructional Accidents In The United States From 2010 To 2022, Gustavo Sanchez Cortes, Dimitrios Ziakkas, Mary E. Johnson

Journal of Aviation/Aerospace Education & Research

A high number of accidents during helicopter training in the United States (U.S.) highlights the need for research to investigate their causal and contributing factors. In this retrospective study, researchers analyzed helicopter instructional accidents reported in the National Transportation Safety Board (NTSB) Case Analysis and Reporting Online (CAROL) database. The Systems Theoretic Accident Model and Processes (STAMP) and Systems-Theoretic Process Analysis (STPA) methodologies were used to identify hazards and unsafe control actions in helicopter training, using autorotation maneuvers as a case study. Helicopter instructional flights in the U.S. accounted for 299 accidents between 2010 and 2022, with an average accident …

Integrated Qfd-Triz Optimization Method For Satellite Solar Array Design In Cost-Sensitive Environment, Hongyi Zhang, Liang Su

International Journal of Aviation, Aeronautics, and Aerospace

With the rapid evolution of commercial space markets in the new space era, satellite design philosophy is transitioning from "performance supremacy" toward "cost-effectiveness priority." This research concentrates on solar arrays, a critical component representing 15%-20% of satellite costs, addressing limitations in traditional design methodologies that inadequately coordinate user requirements and lack systematic frameworks for cost-performance collaborative optimization. We propose a solar array optimization methodology predicated on the integration of Quality Function Deployment (QFD) and the Theory of Inventive Problem Solving (TRIZ). This methodology incorporates cost dimensions through an extended QFD matrix, employs TRIZ to resolve technical contradictions, and develops a …

Suas Agricultural Aerial Application Operational Field Test, David Thirtyacre, Joseph Cerreta, Scott S. Burgess

International Journal of Aviation, Aeronautics, and Aerospace

One of the most promising uses of aerial applications by a sUAS is on small farms where traditional crewed aerial applicators were not practical due to the limited size of the operations. This controlled field test aimed to assess the feasibility and cost-effectiveness of using a sUAS spreading system compared to the traditional manual application of weed killer and fertilizer on cranberry bogs in Western Washington that were less than 10 acres. The aerial application took place over two separate days as scheduled by the farmer for maximum product efficiency. A total of sixty-three flights were necessary to apply the …

Bibliometric Analysis With R Biblioshiny On Safety Behavior In Aviation, Büşra Yıldırım, İnan Eryılmaz, Ahmet Karacan, Nusret Erceylan

International Journal of Aviation, Aeronautics, and Aerospace

Safety behaviors in aviation are not limited to technical knowledge and skills in ensuring the safety of flight operations, but also include the attitudes, decision-making processes and collaborations of individuals and teams. In this context, in this study, a bibliometric analysis of publication and citation trends, key concepts and interactions of studies in the field was conducted to identify current and potential trends in aviation and safety behavior-based research, and to explore the intersections between safety behavior and aviation studies and the areas waiting to be explored. The bibliometric analysis using the RStudio-based Biblioshiny program was conducted on 1065 articles …

A Qualitative Analysis Of Open Banking In Poland: The Perspective Of Market Experts, Sylwia Ciechanowska

Studia i Materiały Wydział Zarządzania Uniwersytet Warszawski

Purpose: The purpose of this article is to present an in-depth analysis of the development of open banking in Poland based on interviews conducted with market experts representing financial institutions and regulatory authorities. The article identifies both the benefits and implementation barriers of open banking, with particular emphasis on the quality of APIs (application programming interfaces), system interoperability, and the impact of regulatory frameworks on service innovation and security.

Methodology: This qualitative study was conducted using structured interviews with market experts representing banks, fintech companies, regulatory authorities, and independent industry consultants. The selection of experts was purposive, with …

A Bounded Custom Gpt Structures Operational Knowledge For Small-Industry Decision Support, Ikhwan Arief, Alizar Hasan, Nilda Tri Putri, Hafiz Rahmann

Knowledge Engineering and Data Science

Small manufacturing and craft-based firms increasingly use Generative Artificial Intelligence (GenAI) through public chat interfaces, low-cost tools, and informal experimentation. However, these firms often make operational decisions with incomplete records, tacit owner knowledge, fragmented spreadsheets, and limited managerial capacity. Under such conditions, open-ended chatbots may generate fluent but unsafe recommendations by overlooking missing information, contradictory evidence, feasibility constraints, and implementation constraints. This study presents Asisten Cerdas Industri Kecil as a bounded Custom GPT artifact for operational diagnosis, priority selection, and short-horizon action planning in small industries. Using a Design Science Research approach, the study develops a documented artifact corpus comprising …