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This study addresses the growing cyber risks of banks by proposing an innovative, end-to-end dual-layer blockchain-based cyber fraud (CF) response system that integrates Safeguard (SG) and Block guard (BG) mechanisms. The comprehensive solution offers an actionable framework for bank managers to mitigate CFs by prioritizing fraud detection, leveraging early warning signals (EWS), and implementing tailored, need-based control measures before, during, and after a fraud event.

The study uses a multi-method approach, beginning with an extensive literature review on fraud identification, assessment, and prevention strategies. A theoretical framework is constructed to support the proposed SG and BG measures. Machine learning-based data analysis, using Artificial Neural Networks, is employed to dynamically assess the severity of CFs in real time. A managerial action plan for each phase of the fraud lifecycle is presented.

The research underscores the necessity for an adaptable, dual-layered response system that transitions from reactive to proactive and predictive mitigation strategies. The study introduces a novel approach incorporating SG and BG mitigation measures, enabling managers to detect early warning signals and implement robust post-fraud interventions.

The dual-layer approach enhances the sector's resilience to CFs by providing a robust, adaptive framework for fraud prevention and mitigation. This approach helps maintain stability, SG the bank's reputation, and improve overall risk management practices.

This study is unique in its development of an integrated SG and BG response system, combining machine learning, blockchain technology, early warning signals, and a structured before-during-after fraud control model. The research also highlights the critical role of bank managers in implementing and overseeing this innovative response system.

This study examines the impact of climate legislation on green agricultural production and tests the heterogeneous impact of different types of climate legislation on agricultural green production.

In this study, the super-slacks-based measure (super-SBM) model is used to calculate agricultural green total factor productivity (AGTFP). The impact of climate legislation (including legislative acts and executive orders) on AGTFP is examined through regression analysis. The transmission mechanism of climate legislation affecting agricultural green production is further investigated.

This study shows that climate legislation has a positive long-term effect on AGTFP. It stimulates innovation in agricultural green technology but has a negative impact on resource allocation efficiency. Executive orders have a more significant effect on AGTFP than climate legislative acts. The effectiveness of climate legislation is more significant in countries with stronger legislation. Moreover, climate legislation reduces AGTFP in low-income countries while enhancing AGTFP in high-income countries. This effect is most prominent in upper-middle-income countries.

This study examines the different effects of various types of climate legislation, considering the level of economic development and the strength of the legal system on AGTFP. The findings can offer a global perspective and insights for China’s policymaking.

For over 25 years, the United States Green Building Council (USGBC) has significantly influenced the US sustainable construction through its leadership in energy and environmental design (LEED) certification program. This study aims to delve into how Baton Rouge, Louisiana, fares in green building adoption relative to other US capital cities and regions.

The study leverages statistical and geospatial analyses of data sourced from the USGBC, among other databases. It scrutinizes Baton Rouge’s LEED criteria performance using the mean percent weighted criteria to pinpoint the LEED criteria most readily achieved. Moreover, unique metrics, such as the certified green building per capita (CGBC), were formulated to facilitate a comparative analysis of green building adoption across various regions.

Baton Rouge’s CGBC stands at 0.31% (C+), markedly trailing behind the frontrunner, Santa Fe, New Mexico, leading at 3.89% (A+) and in LEED building per capita too. Despite the notable concentration of certified green buildings (CGBs) within Baton Rouge, the city’s green building development appears to be in its infancy. Innovation and design was identified as the most attainable LEED benchmark in Baton Rouge. Additionally, socioeconomic factors, including education and income per capita, were associated with a mild to moderate positive correlation (0.25 = r = 0.36) with the adoption of green building practices across the capitals, while sociocultural infrastructure exhibited a strong positive correlation (r = 0.99).

This study is beneficial to policymakers, urban planners and developers for sustainable urban development and a reference point for subsequent postoccupancy evaluations of CGBs in Baton Rouge and beyond.

This study pioneers the comprehensive analysis of green building adoption rates and probable influencing factors in capital cities in the contiguous US using distinct metrics.

This study aims to assess the effect of water variation on bioethanol production from cassava peels (CP) using Saccharomyces cerevisiae yeast as the ethanologenic agent.

The milled CP was divided into three treatment groups in a small-scale flask experiment where each 20 g CP was subjected to two-stage hydrolysis. Different amount of water was added to the fermentation process of CP. The fermented samples were collected every 24 h for various analyses.

The results of the fermentation revealed that the highest ethanol productivity and fermentation efficiency was obtained at 17.38 ± 0.30% and 0.139 ± 0.003 gL⁻¹ h⁻¹. The study affirmed that ethanol production was increased for the addition of water up to 35% for the CP hydrolysate process.

The finding of this study demonstrates that S. cerevisiae is the key player in industrial ethanol production among a variety of yeasts that produce ethanol through sugar fermentation. In order to design truly sustainable processes, it should be expanded to include a thorough analysis and the gradual scaling-up of this process to an industrial level.

This paper is an original research work dealing with bioethanol production from CP using S. cerevisiae microbe.

1. Hydrolysis of cassava peels using 13.1 M H₂SO₄ at 100 ^oC for 110 min gave high Glucose productivity

2. Highest ethanol production was obtained at 72 h of fermentation using Saccharomyces cerevisiae

3. Optimal bioethanol concentration and yield were obtained at a hydration level of 35% agitation

4. Highest ethanol productivity and fermentation efficiency were 17.3%, 0.139 g.L⁻¹.h⁻¹

Hydrolysis of cassava peels using 13.1 M H₂SO₄ at 100 ^oC for 110 min gave high Glucose productivity

Highest ethanol production was obtained at 72 h of fermentation using Saccharomyces cerevisiae

Optimal bioethanol concentration and yield were obtained at a hydration level of 35% agitation

Highest ethanol productivity and fermentation efficiency were 17.3%, 0.139 g.L⁻¹.h⁻¹

To find the quasi-static thermoelastic stress and displacement, the proposed model looks at how the microstructures interact with each other and how the temperature changes inside a rod. It uses the fractional-order dual-phase-lag (FODPL) theory to derive analytical solutions for one-dimensional problems in nonsimple media within the MDD framework. The dimensionless equations are used to analyze a finite rod experiencing the heat sources continuously distributed over a finite portion of the rod which vary with time according to the ramp-type function with other sectional heat supplies kept at zero temperature. The study introduces a technique using integral transforms for exact solutions in the Laplace transform domain for different kernel functions.

A novel mathematical model incorporating dual-phase-lags, two-temperatures and Riesz space-fractional operators via memory-dependent derivatives has been established to analyze the effects of thermal stress and displacement in a finite rod. The model takes into account the continuous distribution of heat sources over a finite portion of the rod and their time variation according to the ramp-type function. It incorporates the finite Riesz fractional derivative in two-temperature thermoelasticity with dual-phase-lags via memory effect, and its solution is obtained using Laplace transform with respect to time and sine-Fourier transform with respect to spatial coordinates defined over finite domains.

In memory-dependent derivatives, thermal field variables are strongly influenced by the phase-lag heat flux and temperature gradient. The non-Fourier effects of memory-dependent derivatives substantially impact the distribution and history of the thermal field response, and energy dissipation may result in a reduction in temperature without heat transfer. The temperature, displacement and stress profile exhibit a reduced magnitude with the MDD effect compared to when the memory effect is absent (without MDD). To advance future research, a new categorization system for materials based on memory-dependent derivative parameters, in accordance with the principles of two-temperature thermoelasticity theory, must be constructed.

The one-dimensional assumption introduces limitations. For example, local heating of a one-dimensional plate will not extend radially, and heating one side will not heat the surrounding sides. Furthermore, while estimating heat transfer, object shape limits may apply.

This paper aims to revise the classical Fourier law of heat conduction and develop analytical solutions for one-dimensional problems using fractional-order dual-phase-lag (FODPL) theory in nonsimple media in the context of MDD.

By applying targeted graph algorithms, the method used by the authors enables effective prediction of user interactions and thus fulfils the complex requirements of modern recommender systems. This study sets a new benchmark for multidimensional recommendation strategies and offers a path towards more advanced and user-centric models.

To improve multidimensional data recommendation systems, multiplex graph structures are useful to capture various types of user interactions. This paper presents a novel framework that uses a graph database to compute and manipulate multiplex graphs. The approach enables flexible dimension management and increases expressive power through a specialised algebra designed for multiplex graph manipulation.

The authors compare the multiplex graph approach with traditional matrix methods, in particular random walk with restart, and show that the method not only provides deeper insights into user preferences by integrating scores from different layers of the multiplex graph, but also outperforming matrix-based approaches in most configurations. The results highlight the potential of multiplex graphs for developing sophisticated and customised recommender systems that significantly improve both performance and explainability.

The study provides a formal specification of a multiplex graph construction based on interaction and content-based information; and the study also developed an algebra dedicated to multiplex graphs, enabling robust and precise graph manipulations necessary for effective recommendation queries. The authors implement these algebraic operations within the Neo4j graph database system with a thorough analysis and experimentation with three different data sets, benchmarked against traditional matrix-based methods.

How do informal lending institutions affect entrepreneurship? This paper aims to investigates the role of formal and informal credit market institutions in the decision to become an entrepreneur over the life cycle.

The author developed a dynamic Roy model in which a decision to become an entrepreneur depends on the access to formal and informal credit markets, nonpecuniary benefits of entrepreneurship, career-specific entry costs, prior work experience, education, unobserved abilities and other labor market opportunities (salaried employment and nonemployment). Using detailed Russian panel microdata (the Russia longitudinal monitoring survey) and estimating a structural model of labor market decisions and borrowing options, the author assesses the impact of the development of informal and formal credit institutions.

The expansion of traditional (formal) credit market institutions positively impacts all workers’ categories, reduces the share of entrepreneurs who borrow from informal sources and incentivizes low-type entrepreneurs to switch to salaried employment. The development of the informal credit market reduces the percentage of high-type entrepreneurs who borrow from formal sources. In the case of default, a higher value of the social network or higher costs of losing social ties demotivate low-type entrepreneurs to borrow from informal sources. The author highlights the practical implications of estimates by evaluating policies designed to promote entrepreneurship, such as subsidies and accessibility regulations in credit market institutions.

This study contributes to the literature in several ways. Unlike other studies that focus on individual characteristics in the selection for self-employment [Humphries (2017), Hincapíe (2020), Gendron-Carrier (2021), Dillon and Stanton (2017)], the paper models labor and borrowing decisions jointly. Previous studies discuss transitions between salaried employment and self-employment, taking into account entrepreneurial earnings, wealth, education and age, but do not consider the availability of financial institutions as a driving factor for the selection into self-employment. To the best of the author’s knowledge, this paper shows for the first time that the transition from salaried employment to self-employment is standard and consistent with changes in access to financial institutions. Another feature of this study is incorporating both types of credit markets – formal and informal. The survey by the European Central Bank on the Access to Finance of Enterprises (2018) shows 18% of small and medium enterprise in EU pointed funds from family or friends. Therefore, the exclusion from consideration of informal credit markets may distort the understanding of the role of the accessibility of credit markets.

This study aims to investigate how chatbots’ warmth and competence affect customer behavioural expectation (i.e. purchase, recommendation) through perceived humanness and perceived persuasiveness. Moreover, prior knowledge of chatbot is considered the boundary condition of the effects of chatbots’ warmth and competence.

A lab-in-field experiment with 213 participants and a scenario-based experiment of 186 participants were used to test the model using partial least squares structural equation modelling via SmartPLS 4.

Chatbot warmth positively affects customer behavioural expectation through perceived humanness while chatbot competence positively affects customer behavioural expectation through perceived persuasiveness. Prior knowledge of chatbot positively moderates the effect of chatbot warmth on perceived humanness.

This study provides nuanced insights into the effects of chatbots’ warmth and competence on customer behavioural expectation. Future studies could extend the model by exploring additional boundary conditions of the effects of chatbots’ warmth and competence in different generations.

This study offers insightful suggestions for marketing managers on how to impress and convert online customers through designing verbal scripts in customer−chatbot conversations that encourage the customers to anthropomorphise the chatbots.

This study probes into the effects of chatbots’ warmth and competence on customer behavioural expectation by proposing and examining a novel research model that incorporates perceived humanness and perceived persuasiveness as the explanatory mechanisms and prior knowledge of chatbot as the boundary condition.