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The purpose of this paper is to explore the impact of mobile money on savings and saving practices among individuals in Ghana.

Employing an instrumental variable (IV) estimation technique, comprehensive data from the Financial Inclusion Insight (FII) Survey is used, implemented by InterMedia company and conducted from December 2014 to January 2015 in Ghana.

It is found that mobile money use generally increases savings and saving behavior among individuals in Ghana. In particular, our results show that mobile money use increases the probability of individuals saving for business startup or business expansion, child's education and emergencies. Also, for the heterogeneous effects of mobile money use on saving practices, strong evidence that the use of mobile money is more pronounced in rural areas than in urban centers is found.

To the best of our knowledge, no empirical study has been done on Ghana to extensively examine how mobile money affects various saving practices in Ghana as it is done in this paper. The paper highlights the need for ongoing enhancement of financial inclusion in rural areas by the government of Ghana and other stakeholders to boost savings among rural folks, while not neglecting that in urban areas. Generally, the findings for this paper support the use of mobile money as a tool for enhancing the financial inclusion agenda by policymakers in Ghana and many other countries around the world.

Through the lens of the information systems success model, self-determination theory, and TAM2, this study proposes and tests an integrative model to investigate students’ satisfaction with the use of e-learning systems in higher education institutions in a developing country context.

This study adopted a quantitative approach. Based on data collected from a sample of 185 students, the study used partial least squares-structural equation modeling to investigate and test the model’s hypothesized relationships.

This study revealed that gamification significantly influences behavioral intention and learning engagement. Also, our study suggests that behavioral intention significantly influences learning engagement and students’ actual use of e-learning systems. In addition, our study revealed that learning engagement significantly influences students’ satisfaction.

This study contributes theoretically and practically by proposing an integrative model to investigate the antecedents to students’ satisfaction in the context of developing countries. In addition, this study extends the research stream of gamification and perceived security within the e-learning context in developing countries.

This research article aims to systematically explore the association between digitalisation and individual investors’ behavioural biases. Through an extensive exploration of digitalisation modes and their various serviceable avenues in the investment arena, the study aims to elucidate the impact of behavioural biases on individual investors’ investment decision-making processes.

The study employs Interpretative Phenomenological Analysis (IPA) to gain insights into behavioural finance and the associated behavioural biases of investors in digitalisation. IPA, a qualitative method grounded in heuristic, phenomenological, and idiographic elements, facilitates the exploration of individual investor experiences and the role of digitalisation and behavioural biases within.

Investors are categorised into two groups – decision seekers and decision makers – based on their digital inclination and the purpose behind using digital tools. The attributes of these segments are detailed under the sub-themes of Digital Inclination, Market Cognizance, Sophistication and Maturity, Sophomorism and Perception of Digitalisation. The study also identifies the specific behavioural biases pertinent to each segment. Additionally, it introduces a novel section on the insights related to human emotions, behaviour and sentiment within financial markets.

The essence of the current article is the application of the IPA method to the field of behavioural finance. To the best of the authors’ knowledge, this study is the first attempt of its kind which provides a methodical and comprehensive understanding of both, digitalisation and behavioural biases that affect the individual investor’s decision-making. It offers valuable insights for researchers, academicians and scholars in behavioural finance, enhancing the understanding of how behavioural biases influence investment decisions.

Studies have shown that research is a global innovation’s “engine room.” Therefore, young adult-built environment researchers (YABER), especially in developing countries, need research upskilling and reskilling training for better-integrated outcomes. Evidence shows that research training can improve YABER competencies and proficiencies. In Nigeria, YABER may have had some challenges in training needs. There is a lack of extant literature about the issues facing Nigeria’s YABER upskilling and reskilling training needs. Thus, this study investigated the perceived problems facing YABER and proffered measures to improve their training needs in Nigeria.

The researchers used participants from Edo State, Abuja and Lagos State, Nigeria. This study adopted a qualitative research approach. The researchers accomplished saturation after 40 virtual interviews and adopted a thematic analysis for the primary data.

The research shows that the built environment research refines current and creates new knowledge. The built environment researchers (trainers and trainees) need training but face challenges. Findings clustered measures to improve quality research publications in the built environment through YABER training into government/regulatory agencies-related, higher education institutions-related and researcher-related measures.

The developed framework and thematic network analysis could be used to stimulate YABER training needs and, by extension, stir Nigeria’s higher education institutions regulatory agencies to upgrade requirements for academic staffers, especially published articles, to be compulsorily Scopus/Web of Sciences indexed for promotion exercise. This is the global best practice, and Nigerian scholars cannot be in isolation. It will form part of this study’s implication and revitalise UNSDG 4.