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This chapter examines three common fintech use cases transforming the financial industry. First, the chapter introduces fintech's role in enhancing financial services and promoting financial inclusion, especially through digital platforms. Second, it investigates various fintech applications that support financial institution management by harnessing the power of artificial intelligence (AI) and machine learning (ML). Finally, the chapter explores fintech use cases related to the regulatory environment, including regulatory technology (regtech), blockchain technology, and cryptocurrencies. The insights presented in this chapter cater to researchers and practitioners keen on better understanding fintech's diverse applications in the ever-evolving financial industry landscape.

This study aims to examine the influence of digital financial literacy (DFL) on the financial well-being (FWB) of students in Andhra Pradesh, specifically exploring the factors of impulsivity and self-control. Both DFL and FWB are treated as multi-dimensional constructs in the study. The research delves into the impact of DFL dimensions, viz. digital financial knowledge, digital financial experience and digital financial skills, on both impulsivity and self-control. Subsequently, the study assesses the effects of impulsivity and self-control on financial well-being.

To gather data, a questionnaire-based survey method was employed, reaching 475 university students through purposive sampling. The study utilizes confirmatory factor analysis for scale validation and structural equation modeling for hypothesis testing.

The results reveal a significantly negative influence of digital financial knowledge (DFK), digital financial experience (DFE) and digital financial skills (DFS) on impulsivity, while demonstrating a significantly positive impact on self-control. Additionally, the study finds that impulsivity negatively affects financial well-being, whereas self-control has a positive impact. Focusing on higher education institutions in Andhra Pradesh, the research highlights students’ limited concern for long-term financial planning.

This study underscores the relevance of understanding the crucial role of digital financial literacy in enhancing their financial well-being. The implications of these research findings are substantial and can be utilized to shape educational programs for students in higher education institutions. Such programs can guide institutions in imparting knowledge and skills related to personal finance management, particularly in the context of the increasing digitalization of financial transactions.

This chapter advances understandings of emotion work by examining how “doing gender” and “doing health” are implicated in the pursuit of emotional tranquility. The study examines the role of hair loss in women’s illness narratives of cancer using in-depth interviews with 16 white women in the US Northwest who vary in age, marital status, diagnoses, and treatments. The absence of women’s hair presents an appearance of illness that prevents them from doing femininity, which calls into question their health status because of Western beauty standards. To overcome this barrier, the women use emotion work to manage the effects of their appearance through necessarily co-occurring bodily, cognitive, and expressive strategies (Hochschild, 1979). The required emotion work during women’s hair loss makes explicit the symbolic linking of the healthy body with the feminine body through women’s head hair. Pursuing treatment for cancer is often seen as a “fight” or a “battle” against the disease and the bodily assaults of such treatments, including unwanted visible bodily changes. A substantial body of empirical work has established the complex web of social psychological problems associated with breasts and breast cancer, but less attention has been given to the side effect of hair loss that is common across cancer types and treatments.

Personal financial management is gaining momentum in modern society, as it plays a vital role in shaping the financial behaviour of people looking forward to adequate financial well-being. Hence, people in general and the weaker sections of society in particular are expected to show desirable financial behaviour for achieving individual as well as societal well-being. The present study investigates the impact of socio-economic characteristics on the financial behaviour of migrant workers who have migrated to the state of Tamil Nadu. The primary data were collected using the interview schedule from 200 migrant workers selected using the snowball sampling technique. The results show that migrant workers have mediocre financial behaviour. Furthermore, it is also found that migrant workers’ financial behaviour is not influenced by their socio-economic characteristics, such as gender, age, marital status, family type, and family income. However, the level of education has a significant positive role in shaping the financial behaviour of the migrant workers. The study outlines the need for specially engineered financial education for migrant workers.

Financial literacy, capability and behavior are crucial factors in personal financial management, which in turn plays a significant role in individual and societal financial well-being. The objective of this investigation is to explain critical factors and dimensions of personal financial management systems by employing a hybrid approach that encompasses a bibliometric analysis and a systematic review of the literature.

The research team carefully evaluated a selection of 606 scholarly articles from the Scopus database and studied the evolution of personal financial management behavior over 38 years (1986–2023). This research adopted several graphical representations and network structures to comprehend publishing tendencies, high-impact papers, theoretical frameworks, intellectual constructs as well as the current state of research collaboration.

Four major clusters were identified in the field of personal financial management behavior: the relationship between financial literacy and financial capability, factors influencing financial behavior, the impact of financial behavior on financial well-being and the financial behavior of different demographic groups. In addition, by performing content analysis on papers published within the last five years, new themes in personal financial management behavior were identified.

This investigation serves to equip financial advisors, policy architects and scholarly investigators with a deeper insight into the intricacies of personal financial management behavior and aids in pinpointing prospective domains for forthcoming research.

This study seeks to address a significant vacuum in the current body of research by providing a thorough bibliometric analysis that specifically examines financial literacy, ability and conduct. To the best of our knowledge, no previous research has conducted such a comprehensive investigation in this field. This research aims to identify important researchers and influential works in the subject by using a mixed-methods approach that combines qualitative and quantitative methodologies, including content analysis. The purpose of doing this is to provide exclusive insights and expertise that can be highly valuable to scholars, practitioners, policymakers and other stakeholders who are interested in furthering the comprehension and encouragement of financial literacy and responsible financial behavior.

The purpose of this study is to measure financial inclusion (FI) and to examine the role of digital financial literacy (DFL) and its components, and various socio-demographics in relation to FI. In addition, the mediating effect of digital financial attitudes (DFA) on the relationship between digital financial knowledge (DFK) and digital financial behaviour (DFB), as well mediating effect of DFA and DFB on the relationship between DFK and FI, is being explored.

Using a cross-sectional research design, we utilize a dataset from the survey of adults’ financial literacy in Bosnia and Herzegovina, collected from the representative sample of 1,096 adults in 2022. The main methodology relies on logistic and ordinal logistic regression analyses and PROCESS for mediation analyses.

The findings suggest that the effect of DFK on DFB is partially mediated by DFA. In addition, the effect of DFK on FI is fully mediated through three pathways: DFA, DFB, and DFA and DFB in serial mediation. Age, education, employment status and residence are significantly related to FI. Internet access is significant only for FI scores but not for adults’ banking status. Although women are almost twice as unbanked as men, we find no gender-based differences in financial product holdings, FI or adults’ banking status.

There is a need to enhance DFK and DFA to enable adults to use financial products. Financial institutions could use our results in designing and promoting their services.

Policy implications are seen in the need for developing national strategies for financial education, with an emphasis on strengthening DFL, especially DFK and DFA, which will enhance the formal FI of adults. Also, governments should work on expanding Internet access.

The results make a contribution to the theory of planned behaviour. They contribute to the limited empirical evidence of the mediating role of DFA in relationship to DFB, as well as the mediating role of DFA and DFB in relationship to FI.

In the absence of new funding dedicated to cold case investigation, innovation is required.

The number of unresolved homicides in the USA has surpassed a quarter million, and the figure grows by thousands every year. Homicides that do not yield a quick arrest are time and labor intensive. This creates a staffing and resource dilemma for law enforcement administrators, as allocating time for older cases comes at the expense of investigating current ones, and vice versa.

Universities offer the enthusiastic labor of college students to “defrost” cold cases. One such partnership has been in place for nearly three years in an unusual collaboration between a state police agency and a regional state university. Small groups of students systematically organize, review and present case files. They create investigative recommendations and prioritize cases by solvability. Investigators can then select a case that may be relatively close to an arrest, access the case details very quickly and have the investigative recommendations as a place to begin a renewed investigation. Additionally, cases that are appropriate for new forensic testing or new forensic tools are identified and advanced.

Partnerships such the one described here are rare but lucrative. We recommend new collaborations like ours to reduce the number of unresolved homicide cases.

Children are beginning to socialize as consumers earlier than ever, highlighting the importance of their saving behavior as an effective form of consumer protection. The paper explored the influence of parents, peers, attitudes, knowledge, past behavior, allowance and self-efficacy on saving intention.

With the aim to explore a range of determinants of adolescent saving and to specify the potential mechanisms through which different determinants operate, we adopted a multitheoretical approach based on theories of planned behavior, consumer and financial socialization, and self-efficacy. The paper investigates the formation of the saving intentions on a sample of 1,476 children 10–15 years old in Croatia.

The results indicate strong importance of parental influence and self-efficacy, implying that saving intention among tweens requires a supportive family structure as well as beliefs in the tweens themselves that they are able to save money and face difficulties.

This paper investigates the very nature of saving intention formation at a crucial developmental stage; it investigates the interplay of mechanisms through which determinants of savings operate at that developmental stage; and it explores the age-variance of the mechanism and the interplay of relevant variables, shedding light on the nature of the mechanism of development.

Introduction: Globalization and customer expectations have made managing the supply chain challenging. Blockchain technology has enhanced visibility, accountability, and safety in supply Chain management (SCM), which helps overcome various issues. The research aims to provide insight into Blockchain technology for improving supply chains toward sustainability in the retail sector. This study describes how clients and merchants in various retail business activities may significantly utilize Blockchain technology. From manufacturer to consumer, blockchain can track materials. It ensures product authenticity, transparency, and retail supply chain trust. Retail items are tracked before they reach customers to assess quality and discard expired items, building client confidence. Retail personnel’ SC (Supply Chain) blockchain adoption aspirations are examined in this study.

Methodology: This study validates SCM blockchain adoption using an adjusted UTUAT (Unified Theory of Acceptance and Use of Technology) model. This study examines how blockchain adoption improves employee performance using the UTUAT Model. Data was evaluated using exploratory factor and structural equation modeling.

Result: Behavioural intention was significantly associated with BCT (Block Chain Technology) in retail SCM.

Practical Implications: The following factors influence the behavioral intent to utilize the technology: performance expectations, affect expectations, subjective standards, and favorable conditions, which have a significant impact on adoption.

Conclusion: Performance and effort assumptions affect SCM blockchain adoption behavior.