In California and elsewhere, African Americans and Latinos have been found to make up a disproportionate share of payday loan borrowers. This paper evaluates whether and why the relative concentration of African American and Latino households is a factor that influences the location and...

Cobalt-based catalysts have been widely explored in the degradation of organic pollutants based on peroxymonosulfate (PMS) activation. Herein, we report an MXene nano-Co3O4 co-catalyst enriched with oxygen vacancies (Ov) and steadily fixed in nickel foam (NF) plates, which is used as an...

Cobalt-based catalysts have been widely explored in the degradation of organic pollutants based on peroxymonosulfate (PMS) activation. Herein, we report an MXene nano-Co3O4 co-catalyst enriched with oxygen vacancies (Ov) and steadily fixed in nickel foam (NF) plates, which is used as an...

This paper asks which aspects of a structural Nonparametric Instrumental Variables Regression (NPIVR) can be identified well and which ones cannot. It contributes to answering this question by characterizing the identified set of linear continuous functionals of the NPIVR under norm constraints....

Agents in a network want to learn the true state of the world from their own signals and their neighbors' reports. Agents know only their local networks, consisting of their neighbors and the links among them. Every agent is Bayesian with the (possibly misspecified) prior belief that her local...

Agents in a network want to learn the true state of the world from their own signals and their neighbors' reports. Agents know only their local networks, consisting of their neighbors and the links among them. Every agent is Bayesian with the (possibly misspecified) prior belief that her local...

The implementation of the "second child policy" and the influx of large numbers of people have led to an increase in the population of Zhejiang Province in China, placing pressure on the environment, health care, and education. In this context, this study intends to use the...

This paper proposes and validates a comprehensive model of consumer acceptance in the context of offline e-cash payment. It modifies the unified theory of acceptance and the use of technology model (UTAUT) with constructs of perceived security, cost of use, and government policy. Data collected...