Drawing on political economy and behavioural economics, this paper models fund category choices as a coordination game in which cognitive biases – status quo dependence, default reliance, and decision inertia – trap individuals in Pareto-dominated equilibria. Using primary survey data from a non-representative online convenience sample of 259 employed Croatian citizens and an embedded randomised experiment (N = 206), the study examines three nudging interventions: social norms, framing effects, and framing combined with loss aversion. An ordinal regression model adjusted for baseline willingness shows no statistically significant differences between the three nudge conditions and the control group in stated willingness to change (all p > .48). Point estimates are positive and increase with intervention intensity. The paper contributes to the literature by linking coordination traps to behavioural intervention design and documenting the absence of statistically significant effects of the tested interventions on stated willingness to change in the observed sample.
This study aims to identify the determinants of bank financial performance in GCC countries (Bahrain, KSA, Kuwait, Oman, Qatar, and the UAE) using 450 bank-year observations from 2014 to 2024. The analysis focuses on two profitability indicators: Return on Assets (ROA) and Return on Equity (ROE). The methodology comprises descriptive statistics, one-way ANOVA with post hoc tests, multiple regression analysis, and tests of between-subjects effects. The results show significant cross-country differences in profitability across the GCC region. The ANOVA findings confirm differences in the means and variances of ROA and ROE. The regression analysis indicates that the net interest margin has a positive and significant effect on performance, while leverage, credit risk, and loan intensity have negative effects. The tests of between-subjects effects confirm that country-level differences persist after controlling for financial determinants. The findings indicate structural differences within the GCC banking sector.
This study examines the relationship between music festival sponsorship and Generation Z consumers’ intention to adopt banking services in Vietnam. Drawing on the Stimulus-Organism-Response (SOR) framework, it investigates the relationships between brand–event congruence, event experience, sponsored event information, customer perception, and intention to adopt banking services. Data were collected from 300 respondents and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results show that brand–event congruence, event experience, and sponsored event information are significantly and positively associated with customer perception, which is subsequently positively associated with intention to adopt banking services. This study extends the application of the SOR framework to banking sponsorship of youth-oriented cultural events in an emerging market. The findings offer practical insights for banks seeking to engage Generation Z consumers through experiential marketing and culturally relevant sponsorship strategies.
This study examines changes in personal attitudes towards entrepreneurship, subjective norms, perceived behavioural control, and entrepreneurial intentions among STEM students after a single-semester entrepreneurship course. Grounded in the Theory of Planned Behaviour, the study uses the Entrepreneurial Intention Questionnaire to assess short-term differences between PRE and POST measurements. The sample comprised 99 PRE and 102 POST responses from undergraduate students enrolled in the Multimedia, Design and Application and Electrical Engineering programmes at University North. As responses were anonymous and could not be matched individually, PRE and POST measurements were analysed as an unmatched aggregate pre–post comparison using independent-samples t-tests. A statistically significant increase was found only in perceived behavioural control. The largest improvements related to students’ knowledge of the steps needed to start a business and their ability to develop an entrepreneurial project from idea to implementation. The findings indicate that the course was associated primarily with stronger perceived entrepreneurial capabilities.
Kao jedan od glavnih problema u postizanju održivoga ekonomskog rasta ističe se degradacija okoliša. Globalizacija, brz rast i razvoj gospodarstava te velika ovisnost o fosilnim gorivima predstavljaju velike izazove, posebice za male otvorene ekonomije poput Hrvatske. Cilj ovoga istraživanja jest analizirati kratkoročne i dugoročne učinke ulaganja u istraživanje i razvoj (R&D) u području zaštite okoliša, kao i utjecaj učinkovitosti vlade te ekoloških poreza na kretanje bruto domaćeg proizvoda (BDP). Empirijska analiza provedena je primjenom autoregresijskog modela s distribuiranim pomakom (ARDL) za Republiku Hrvatsku u razdoblju od 2000. do 2023. godine. Rezultati pokazuju da porezi na okoliš imaju stabilan, pozitivan i statistički značajan utjecaj na razinu BDP-a u dugom i kratkom roku. Nakon uvođenja dummy varijable za godinu pristupanja EU-u, dugoročni učinak ulaganja u R&D u području zaštite okoliša gubi statističku značajnost. Provedena analiza ističe važnost uvođenja kontrolnih varijabli radi razdvajanja specifičnih učinaka okolišnih politika od širih makroekonomskih trendova.
