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The growing implementation of electronic health (e-health) systems has raised the importance of analyzing how these systems have been implemented in diverse regions. By employing a contextual sensitive approach and social mechanism theory, this study aims to better understand the reasons for the success and failure of e-health initiatives in the ex-Yugoslav region and derive useful insights for policymakers.

We employ a narrative review process grounded in the social mechanism theory, extended with field experts’ review, to acquire state-of-the-art information.

Findings indicate that different e-health systems coexist and evolve in different contexts in different countries, with varying levels of success. The contextual differences shape the broader environment, affecting the level of preparedness and capability for e-health implementation. Top-down approaches dominate e-health implementation in most countries when it comes to design process features, and more developed countries do not rely on strong social mechanisms for implementing e-health due to the openness of their culture towards e-health innovations.

Analyzing the milestones, challenges and functionalities of e-health systems in the region of interest can assist policymakers, academics and practitioners in making informed decisions and recommendations to enhance future e-health implementation.

No known studies evaluated e-health initiatives in the former ex-Yugoslav countries holistically and evolutionarily in the form of a comprehensive regional study. Further, our research endeavor is contextually specific since the health systems of these countries in the past were tied together under the federative umbrella health system and then diverged in terms of e-health development.

The purpose of this study is to identify the determinants of success in peer-to-peer (P2P) lending campaigns, especially amid global financial disruptions like the COVID-19 pandemic. Addressing a notable gap in current research, we explore how factors such as firm uncertainty, loan characteristics (interest rates and maturity) and venture quality (human, social and intellectual capital) influence P2P lending effectiveness. Using multiple regression analysis on data from 523 projects on the October platform, our study aims to enhance the understanding and operational efficiency of P2P platforms, contributing to a more resilient financial ecosystem.

This study employs a quantitative research design using multiple regression analysis to examine the impact of specific variables on the success of P2P lending campaigns. Data were collected from 523 concluded P2P lending projects on the October platform, spanning from 2015 to 2021. Variables of interest include the level of uncertainty of the firm, loan characteristics such as interest rate and maturity and the quality of the venture assessed through human, social and intellectual capital. This method allows for a robust analysis of the factors contributing to the success of P2P lending within a dynamic financial context.

The findings of this study reveal that the success of P2P lending campaigns is significantly influenced by the level of uncertainty of the firm, the interest rate of the loan and the quality of the venture. Specifically, higher uncertainty in firms correlates negatively with campaign success, while competitive interest rates positively impact funding outcomes. Furthermore, ventures that demonstrate robust human capital, particularly those with management teams that possess diverse skills and high qualifications, tend to attract more funding. These results underscore the critical role of strategic financial and human resource planning in enhancing the effectiveness of P2P lending platforms.

This study contributes uniquely to the literature by integrating multiple variables – firm uncertainty, loan characteristics and venture quality – into a comprehensive analysis of success factors in P2P lending. It addresses the scarcity of research examining the combined effects of these factors, particularly in the context of global financial disruptions like the COVID-19 pandemic. By focusing on a specific European platform during a dynamic period, this research provides new insights into how P2P lending can adapt to and thrive amid financial crises. The findings offer valuable guidance for both practitioners and policymakers aiming to optimize P2P lending practices in uncertain economic landscapes.