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The purpose of this study is to propose and test a theoretical model investigating factors that influence travelers’ intention to use travel-related information shared by other travelers through a novel category of travel-focused mobile applications, referred to as travel-tracking mobile applications (TTMAs).

Data collected from mobile app users who traveled for leisure purposes were used to test an extended version of the Unified Theory of Acceptance and Use of Technology 2, adding trust and privacy concerns as new constructs to the existing framework.

The current study found empirical and significant evidence that performance expectancy, effort expectancy, hedonic motivation and trust positively; and system privacy negatively influenced travelers’ intention to adopt TTMA to follow other travelers’ experiences.

Limitations and directions for future research are widely explored in the final section of this study.

Practical implications for tourism, travel and hospitality technology companies, TTMA developers and entrepreneurs of travel-related and/or location-based mobile applications are discussed following the empirical findings of this study.

The current study findings add to the body of knowledge in the field of travel technology acceptance, and provide practical implications, especially for entrepreneurs and tourism technology vendors.

本研究提出并测试了一个理论模型, 以探讨影响旅行者使用由其他旅行者提供的旅行相关信息的意图的因素。该信息通过一种名为“旅行追踪移动应用程序（TTMA）” 的新型旅游应用程序提供。

本研究从休闲目的旅行的移动应用用户处收集数据, 测试了扩展版的“统一技术接受与使用模型 2（UTAUT2）”, 并在现有框架中新增了信任和隐私担忧作为构建要素。

本研究发现的显著证据表明, 绩效预期、努力预期、享乐动机和信任对旅行者采用TTMA跟随其他旅行者体验的意图有正向影响; 而系统隐私对其意图有负面影响。

根据本研究的实证发现, 旅游、旅行和酒店技术公司, TTMA开发者, 以及与旅行或基于位置的移动应用相关的企业家可以从中获得实际应用启示。本研究的结果丰富了旅游技术接受领域的知识体系, 并为企业家和旅游技术供应商, 尤其是旅行科技企业家, 提供了实际应用指导。

This study aims to investigate preschool teachers' perspectives on diversity in the unique educational context of Türkiye, a nation-state often underrepresented in the predominantly Western-centric diversity literature.

Recognizing teachers as critical content integrators, the study involved semi-structured interviews to explore their views on diversity within early childhood education.

Analysis of the interviews revealed two key themes: first, the challenge of maintaining nation-state ideology, where teachers balance fostering a national identity with acknowledging diverse cultural backgrounds; and second, a willingness among educators to embrace diversity, highlighting their efforts to create inclusive, multicultural classrooms.

The authors call for developing context-specific teacher education programs addressing diversity in depth, equipping teachers to effectively promote context-specific multicultural education that would be different from Western countries.

To the best of the authors’ knowledge, this study is original in researching preschool teachers’ understandings of multicultural education in a nation-state country.

This paper aims to examine the impact of traditional banks’ financial technology (FinTech) adoption on corporate loan spreads and lending practices.

This study examines the impact of FinTech adoption by banks on corporate loan spreads and lending practices. By analyzing data from bank 10-K filings, we develop a novel metric to assess FinTech adoption at the individual bank level. Our analysis reveals a significant positive correlation between increased FinTech adoption and higher corporate loan spreads, particularly for loans that are relatively informationally opaque. This causality is further validated through a quasi-natural experiment. Additionally, we identify trends toward loans with smaller sizes and longer maturities in banks with advanced FinTech integration.

Using a sample of corporate loans issued from 1993 to 2020, this paper documents a significant positive relationship between a bank’s increased FinTech adoption and higher loan spreads. This correlation is especially noticeable for loans that are informationally opaque. Moreover, the paper reveals trends toward smaller loan sizes and longer maturities with advanced FinTech integration in banks. Overall, these findings indicate FinTech enhances efficiency in processing hard information and holds the potential to enhance financial inclusion.

This paper contributes to two significant strands of finance literature. First, it highlights how banks with advanced FinTech integration gain advantages through enhanced processing of hard information. Furthermore, it underscores the role of FinTech in promoting financial inclusion, particularly for those borrowers facing informational opacity.