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This study aims to identify factors that affect the intention and actual adoption of cashless payment (ACP) among Vietnamese youths. Extending the unified theory of acceptance and use of technology (UTAUT) model with two impelling factors (perceived trust [PTR] and lifestyle compatibility [LCM]), this study also examined the mediating effect of intention to adopt cashless payment (ICP) on the relationships of UTAUT model components with the actual ACP.

All data were collected online from 422 Vietnamese youths through online survey, and partial least squares structural equation modelling was performed to analyse the data.

The study’s results illustrated the positive and significant effects of performance expectancy, effort expectancy, facilitating conditions, LCM and PTR on ICP. However, social influence was found to exhibit a negative effect on ICP. Furthermore, ICP was found to contribute no mediation effects on the relationships of any of the components with the actual ACP.

This study’s findings are widely useful for marketers and managers to plot their promotional and campaigning strategies, emphasising factors that motivate consumers to adopt cashless payment. The obtained findings also benefit architects and designers in designing products and services by consolidating lifestyle standards and other requirements of consumers. Policymakers should implement policies and strategies to enforce rules and educate the public to widely adopt cashless payment across various sectors.

This study extended the UTAUT model with two new variables, i.e. PTR and LCM.

The purpose of this study is to explore a theoretical model using the unified theory of acceptance and use of technology framework by adding Islamic compliance (IC) and security assurance to build antecedents of intention to use Islamic internet-only banks (IIOBs) in Muslim youth.

This study involved 262 Muslim youths from several Islamic communities in Indonesia. The analysis was conducted using partial least squares structural equation modelling (PLS-SEM). Moreover, PLS techniques such as the variance accounted for (VAF) were used to verify the statistical analysis of findings.

The findings show that effort expectancy (EE) and online social influences (OSI) strongly correlate with the intention to use IIOBs. In addition, user reviews (online reviews) are proven to form a solid social influence and impact consumer decision-making. Finally, IC and security assurance are still critical factors in the IIOBs acceptance.

Practically, IIOB providers need to strengthen information about performance, accessibility, security and benefits when running service applications. Providers must show their strengths and advantages compared to the traditional banks in various service lines. Besides, providers are expected to be more careful regarding IC applications in their products and services.

This study considers the effects of OSI, EE, security and IC as the unique characteristics of Muslim youth in using the IIOBs. In particular, the significance of IC and OSIs provides a valid picture of the pathways of acceptance creation towards IIOBs.

The development of financial technology (fintech), especially digital payments (e-payments), aims to increase the efficiency and effectiveness of economic transactions. This study aims to see the extent to which microentrepreneurs in Indonesia and Malaysia take advantage of the existence of e-payments in developing their business and the factors that influence the adoption of e-payments.

This study uses qualitative and quantitative approach. For quantitative approach, partial least squares structural equation modeling (PLS-SEM 4.0) was used to analyze the data. Using the nonprobability convenient sampling technique, this study collected 400 respondents from microenterprises in Indonesia and Malaysia in various regions.

Most of the microentrepreneurs in Indonesia and Malaysia have used fintech platforms, especially e-wallet and ATM debit. However, for quick response code-based fintech for business transactions, most microentrepreneurs have not taken advantage of the platform. Then the results of the digital payment adoption factor also differ for each country.

This study is valuable for decision-makers and regulators. These results can be used to find a roadmap for regulators to build a digital economy, especially digital payments for microenterprises in both countries. In addition, these results can be used as a basis for making policies regarding digital payments.

To the best of the authors’ knowledge, this is the first study to compare e-payment adoption by microentrepreneurs in Indonesia and Malaysia. Indonesia and Malaysia are two countries in the Southeast Asia region that have great attention in fintech development. This study provides new insights about fintech, especially digital payments as a strategic approach in the digitalization era.

This study explores the contributions of fly ash, bottom ash and biomass ash from coal and biomass power plants for enhancing circular economy of construction sectors in emerging economies.

This research investigates their applications in construction, emphasizing their role in reducing environmental impact and promoting circular economy principles. Through a qualitative analysis using data from structured interviews with 41 involved stakeholders, the study highlights the economic and environmental benefits of integrating these by-products into business operations.

Currently, the cement and concrete industries can successfully adopt almost 100% fly ash, but logistic optimization is necessary to address the wet fly ash problem. The practical applications of bottom ash pose disposal challenges due to their poor adoption. Biomass ash can be alternatively implemented as a soil amendment and fertilization in the agriculture industry while current growth seems significant with the shift to a clean energy policy.

This research underscores the importance of policy support and collaboration between industry stakeholders to maximize the sustainable potential of these by-products in an emerging economy context.

The sustainability development goals (SDGs) were well-established in developing economies. Nevertheless, the literature review indicates that there is a lack of understanding regarding their backgrounds, influencing factors, challenges and practical applications for the circular economy.

This study explores the feasibility of substituting freshwater with alternative water sources such as potable water (PW), harvested rainwater (HRW), stormwater (SW), borewell water (BW) and seawater (Sea W) in concrete manufacturing. The aim is to evaluate the potential of these alternative sources to support sustainable development, reduce environmental impact and conserve freshwater resources in the construction industry.

The research followed established concrete production standards and evaluated the chemical properties of various water sources. Fresh concrete characteristics, including setting time, workability and mechanical properties (compressive, split tensile and flexural strength), were tested at 7, 28 and 90 days. Durability assessments utilized the Volhard assay for chloride content, RCPT for chloride permeability and a physical sulfate attack test. Additionally, a life cycle assessment (LCA) examined the environmental impacts, while an economic analysis assessed cost implications for each water source.

The results showed only minor differences of 2%–3% in the fresh and mechanical properties of concrete using alternative water sources, with no significant changes in compressive, tensile or flexural strength compared to potable water. The Rapid Chloride Penetration Test (RCPT) and Nord Test techniques showed that all water sources, except seawater, are suitable for concrete mixing, as they enhance concrete durability due to their very low chloride ion concentrations, which minimize the risk of steel corrosion. The sulfate attack, including mass loss and expansion measurements for various water sources, indicates low susceptibility to except seawater. SEM and EDS HRW and SW also showed denser microstructures compared to Potable Water, indicating the absence of voids or cracks and the formation of ettringite needles, while seawater posed challenges due to high chloride content and corrosion risks. The LCA indicated that SW had the lowest environmental impact, while seawater posed substantial challenges. The economic analysis confirmed SW as the most cost-effective option, with all sources meeting production standards except seawater.

This study provides new insights into the sustainable use of non-potable water sources in concrete manufacturing. It demonstrates the viability of using HRW, SW and BW as alternative water sources to potable water, supporting sustainability goals in construction while conserving vital freshwater resources and reducing environmental impact.