The rapid digitalization of financial services in the European Union (EU) has not only enhanced convenience and inclusion but also increased exposure to sophisticated online financial fraud. Digital financial literacy (DFL) is widely promoted as a key tool for empowering consumers and reducing...

Platforms that provide product recommendations to consumers, such as marketplaces like Amazon or online travel agencies like Expedia, govern a substantial part of transactions in many markets. In addition to selling via platforms, most firms, however, also operate a direct channel. This paper...

Information shapes people's narratives and, thus, collective action. The latter bears implications for both inter-group economic cooperation and conflict literature. In this paper, we examine the economic effects of ethnic conflicts under varying information levels as proxied by mobile Internet...

The digitalization of finance has accelerated the diffusion of FinTech and raised new questions about how AI, data security and blockchain shape consumer behaviour. This article examines current FinTech users, focusing on mobile banking, security perceptions, AI-enabled personalisation and trust...

Digital public infrastructure has become a foundation for building modern, inclusive digital economies. Its three core pillars - digital ID, fast payment systems (FPS), and trusted data exchange - enable secure participation, efficient service delivery, and innovation across sectors. Yet in most...

Faced with intense competition in the video-on-demand (VoD) market, providers are under increasing pressure to understand the determinants of user acceptance to justify significant investments in content and infrastructure. Based on the stimulus-organism-response (S-O-R) model, this study...

Despite extensive research on migrants and the platform economy, few systematic comparisons exist between migrant and non-migrant workers across diverse migrant groups and types of platform work. This article draws on representative survey data from 14 European Union Member States, which shows...

I study how third-party firms respond when a platform owner enters its own marketplace, analyzing Apple's entries into App Store submarkets from 2016-2021. Using text embeddings to define markets and a staggered difference-in-differences design, I find that Apple's entry deters new competitors...

Fostering rural e-commerce entrepreneurial vibrancy is crucial for achieving regional economic transformation and sustainable development. However, existing research has predominantly examined the net effects of individual factors, overlooking the diverse pathways and complex causal mechanisms...

Online ratings emerge from a multi-stage process that can systematically distort their informational content. We develop a unified framework decomposing the rating process into distinct components: experienced quality (driven by intrinsic quality, seller effort, and price), expectations formed...

Online ratings emerge from a multi-stage process that can systematically distort their informational content. We develop a unified framework decomposing the rating process into distinct components: experienced quality (driven by intrinsic quality, seller effort, and price), expectations formed...

This paper studies the impact of the European Union's Digital Markets Act (DMA) on user search behavior and traffic to online mapping services, focusing on recent changes to Google's search results page. In January 2024, Google altered the display of location-based queries for EU users by...

This article examines the applicability of the Digital Services Act (DSA) to ChatGPT, arguing that it should be classified as a hybrid of the two types of hosting services: online search engines and platforms. This requires classifying search engines as hosting services, which we show is...

This paper introduces the concept of the superplatform to analyse and regulate Google's online advertising ecosystem. As the operator of the world's largest ad exchanges, Google often escapes regulatory oversight and scholarly scrutiny. The superplatform is conceptualised as an integrated...

Global agencies such as the Internet Corporation for Assigned Names and Numbers (ICANN), the Internet Engineering Task Force (IETF), and the World Wide Web Consortium (W3C) play a central role in internet governance, developing the rules, guidelines, and procedures that shape both the...

Political debates, campaigns, and advertising increasingly take place on online platforms. However, research on election communication has been significantly hampered as formerly accessible data sources have been withdrawn or commercialised. With the implementation of the EU Digital Services Act...

The article studies relations arising in connection with the use of gig contracts when working with remote workers / gig specialists within the framework of the gig economy. Therefore, the aim of the study is to determine the legal nature of gig contracts, identify their advantages and...

Research Problem: Despite growing recognition that digital transformation strategies affect economic coordination, no study has empirically tested whether different national digital development models create systematically different transaction cost environments, particularly in emerging...

This essay examines Iran's most extensive internet disruption since 2022, imposed during the June 2025 conflict with Israel, when missile strikes quickly evolved into coordinated cyberattacks on banking, radar, and communications systems. Drawing from direct experience during the blackout, it...

The rapid advancement of Financial Technology (FinTech) has ushered in a new era of financial services, with innovative solutions that have the potential to transform how individuals and businesses manage their finances. This research study explores the critical factors affecting the adoption of...

In today's "knowledge societies," solutions to local and global emergencies like energy crises, climate change, and public health risks increasingly depend on the public's engagement with scientific knowledge and expertise. With people increasingly using social media to engage with scientific...

The rapid growth of e-Commerce in Latin America, driven by the increase in digital adoption among younger generations and accelerated by the COVID-19 pandemic, has reshaped how businesses engage with consumers. In Peru alone, the number of online shoppers increased by 131% between 2019 and 2021....

Since the 20th century, quality has become a major strategic concern for both researchers and organizations, serving as a lever for performance and a key factor of differentiation in an increasingly digital environment. However, despite the development of e-government services, the exploration...

The aim of this study is to fill the gap in the literature regarding the empirical analysis of digital competitive advantage and to extend the knowledge about its antecedents such as digital culture and digital creativity. The subject of this study is micro, small and medium-sized enterprises...

This study examines the factors that influence user trust in AI-powered digital agents within organizational contexts. Employing an integrated framework that combines the Expectation Confirmation Model and the Technology Acceptance Model, we investigated how user expectations, attitudes toward...

In response to rising complexity and dynamic challenges in supply chains, digitalization has emerged as a key innovation to enhance organizational competitiveness. This study develops a multidimensional theoretical framework by integrating five foundational management and organizational theories...