Personalized recommendation systems shape much of user choice online, yet their targeted nature makes separating out the value of recommendation and the underlying goods challenging. We build a discrete choice model that embeds recommendation-induced utility, low-rank heterogeneity, and flexible...

Background: The study aims to examine the role of artificial intelligence-oriented personalisation in customer interaction of social commerce platforms in the developing market, such as Kosovo. Objectives: A quantitative design was used, and 312 active users were sampled, with surveys offered to...

Financial wellbeing refers to managing money confidently, achieving personal goals, and buffering financial risks. Representative evidence for Germany indicates substantial strain: 52% experience financial worries at least weekly, 27% report lacking an overview of their finances, and the...