Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand elasticities to maturity and interest rate. We find that households are responsive to both contract terms: a 1% decrease in interest rate increases the average loan size by 0.22%...

Leveraging data is becoming increasingly important for businesses. However, this transformation can be complex, as it requires a vast array of social and technical capabilities. To generate consensus in this domain, this study examines data & analytics maturity models by analyzing their...

Product development in academia and its technology transfer are crucial activities for the sustainable development of society. Nevertheless, transferring academic research is a complex process that requires mature research results aligned with market needs. Existing approaches frequently focus...

Transitioning to a low-carbon economy is an effective approach to tackling the climate crisis, and offers a referable strategy for realizing the coordination of development and security. This study demonstrates a robust negative relationship between firms' low-carbon transition and...

Egypt has experienced a sharp rise in external debt over the past decade, increasing from USD 55.8 billion in 2015 to over USD 165.3 billion by 2023. Despite maintaining a debt-to-GDP ratio within internationally accepted thresholds (approximately 45% in 2023), the country faces mounting...