questionnaire of 22 items, distinguishing the seven constructs of the UTAUT2 and a new one, education level, on a five-point Likert … independent factors influencing behavioral intention to use FinTech, although the moderating effect of education level only …

indicating whether individuals are satisfied with the heating of the rooms. Our results revealed that gender and education level … individual characteristics, such as gender, age, and education level, might contribute to the reduction of energy consumption. By …

indicating whether individuals are satisfied with the heating of the rooms. Our results revealed that gender and education level … individual characteristics, such as gender, age, and education level, might contribute to the reduction of energy consumption. By …

localities, regional GDP per capita, education level, and a proxy for distance to the local economic center. The results are … transfer the regional GDP per capita values to all ORPs in the region. Similar problems arise with education level, where we … statistically significant with the expected coefficient signs. GDP per capita and higher education level have a negative impact on …