{"title":"Risks vs. benefits: a case of digital banking applications' usage in India","authors":"Mohsina Dawood, Zia ul Haq","doi":"10.3389/fhumd.2025.1721277","DOIUrl":"https://doi.org/10.3389/fhumd.2025.1721277","url":null,"abstract":"financial industry also began making large investments in this technology after realizing its importance. The \"evolution of electronic banking that started from the use of automatic teller machines (ATM) and passed through telephone banking, direct bill payment, electronic fund transfer, and the revolutionary mobile banking\" was the result of banks automating their operations to meet the ever-increasing demands of their customers and keep up with the technological changes occurring globally (Tam & Oliveira, 2016). Mobile banking was the most significant change that represented a significant departure from traditional banking among the positive innovations brought forth by the banking industry.We would like to throw light on perceived benefits, perceived risks and continuance intention of using AI based mobile banking applications namely YONO SBI and mPay Delight+ of two Indian banks viz., the State Bank of India and the Jammu and Kashmir Bank respectively. It provides a fresh perspective for managerial practices to comprehend the crucial elements pertaining to users' desire to stick with mobile banking applications. In a developing market like India, mobile banking still has a long way to go. Since India was a latecomer to the demonetization wave, the Central Government and the nation's financial regulatory body have focused on facilitating an ever-increasing number of cashless transactions. Banks and Financial institutions have been focusing on cashless transactions, and most banks have already released fully secure mobile banking software and applications. Customers believe that using mobile banking is justified when the advantages (like convenience, cost savings or performance) outweigh the risks (like fraud involving transaction integrity or authenticity, reputational harm, privacy or confidentiality breaches (Chang et al., 2016). Therefore, it is critical to comprehend the benefits and risks of mobile banking from the viewpoint of the user.Mobile banking is a platform that allows users to access information associated with their bank accounts and conduct financial transactions using a mobile device at any time and from any location. Through the extension of remote correspondence, mobile banking has made it easier to develop and expand commercial transactions. It has also created a wide range of business opportunities by making it easier to trade, acquire goods and services, pay bills, and conduct fund transactions. This advancement has not only improved the bank's operations in terms of staff workload reduction, catering time reduction, digital device use, and customer acquisition, but it has also made customers' daily banking activities more convenient, which is why the industry is moving toward digitalization. The increased demand for mobile banking services has been brought on by the increased use of smartphones. Increased smartphone usage has increased interest in M-banking services, leading nearly all financial institutions to provide t","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2026-01-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://public-pages-files-2025.frontiersin.org/journals/human-dynamics/articles/10.3389/fhumd.2025.1721277/pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147907499","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The implications of bifurcated citizenship and access to land in Africa: the case of DRC conflict","authors":"Mbekezeli Comfort Mkhize, Chidochashe Nyere, T.D Tumba","doi":"10.3389/fhumd.2025.1637169","DOIUrl":"https://doi.org/10.3389/fhumd.2025.1637169","url":null,"abstract":"The history of colonialism has impacted negatively on violent conflicts in Africa. The DRC conflict remains one of the violent and protracted conflicts the world has ever come across. Although extensive research is well-documented regarding the conflict, concerted efforts to find a sustainable and lasting peace remain a huge conundrum. Access to land and bifurcated citizenship has had serious implications in the escalation of the conflict. This is largely because there is a fierce contestation between natives and non-natives in DRC. The non-natives originally migrated from Rwanda and fled to DRC due to 1994 genocide. Yet, despite these contestations, the scholarly works that focus exclusively on the implications of local dynamics including access to land and bifurcated citizenship remain miniscule. As a result, further scrutiny is required to examine the implications of access to land and bifurcated citizenship in DRC. Through critical examination of existing literature, this paper argues that failure to comprehend and respond to local dynamics has had adverse consequences on the DRC conflict. In response, this paper aims to dissect and demystify the implications of local dynamics on the escalation of conflict by employing social identity theory, relative deprivation theory and consociationalism theory. Employing these theoretical perspectives assists greatly in determining (1) the implications of ethnic and/or tribal diversity on the conflict and contestations for land; (2) the causes of the conflict, and (3) to suggest viable and context-specific responses that can provide an enabling environment for sustainable peace. The findings reveal that addressing the issue of access to land and bifurcated citizenship can go a long way in alleviating the conflict in DRC. The findings also reveal that finding an amicable solution in DRC depends on addressing local dynamics and finding a bottom-up/multi-level response. Consequently, this paper recommends an integrated and differentiated approach to dealing with the conflict in question.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2025-08-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.frontiersin.org/journals/human-dynamics/articles/10.3389/fhumd.2025.1637169/pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"147382176","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Vulnerability of elderly people during climate-induced disasters in Sub-Saharan Africa: a scoping review","authors":"F. Matlakala, K. Rantho, Curwyn Mapaling","doi":"10.3389/fhumd.2024.1430667","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1430667","url":null,"abstract":"Climate-induced disasters present significant challenges to vulnerable populations, especially elderly individuals with disabilities who face unique difficulties in preparing for, responding to, and recovering from such catastrophic events. Despite growing concerns about the impact of climate-induced disasters in sub-Saharan Africa, there is a notable lack of information regarding the specific vulnerabilities experienced by elderly people with disabilities in this region. This study aims to address this gap by identifying and synthesizing the existing literature on the subject. Researchers conducted a scoping review, selecting articles from regional (Sabinet African Journals, Science Direct) and global databases (PubMed, PsycINFO, and ProQuest) using search strategies with Boolean operators, truncations, and MeSH terms. The review included primary studies (qualitative, quantitative, and mixed methods) published between 2013 and 2023 that met specified inclusion and exclusion criteria, with a focus on assessing the quality of the included studies. The findings revealed that elderly people in sub-Saharan Africa face significant physical, cognitive, and socio-economic challenges due to limited access to resources, inadequate infrastructure, and social exclusion. These challenges are amplified in the sub-Saharan context, highlighting a critical gap in inclusive risk reduction strategies during disasters. The review emphasizes an urgent need for targeted research and the development of community-based intervention programmes to improve the resilience and wellbeing of elderly individuals with disabilities facing climate-induced disasters. This study not only mapped the existing literature but also underscored the scarcity of research in the field of climate-induced disasters, with only six articles focusing on the elderly. The researchers recommend the development of more inclusive disaster risk reduction strategies and policies.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"89 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141642896","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Isabelle Stjerna Doohan, M. Ghazinour, Malin Eriksson, M. Padyab, Johanna Sundqvist
{"title":"Challenges for unaccompanied asylum-seeking minors in Swedish compulsory institutional care","authors":"Isabelle Stjerna Doohan, M. Ghazinour, Malin Eriksson, M. Padyab, Johanna Sundqvist","doi":"10.3389/fhumd.2024.1411378","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1411378","url":null,"abstract":"This qualitative thematic study aimed to examine the placement of unaccompanied asylum-seeking minors in compulsory institutional care in Sweden, to expand knowledge regarding their care and treatment. The dataset comprised official documents and anonymized journal documents from personnel detailing the experiences of twenty-five unaccompanied asylum-seeking minors in compulsory institutional care organized by the Swedish National Board of Institutional Care in 2015. The study identified three main themes: traumatic life events and mental health, alignment between needs, goals, and treatment, and language difficulties. The findings revealed a high prevalence of severe traumatic experiences among the asylum-seeking minors, with half having endured significant psychological and physical trauma. Mental health issues were inconsistently addressed, and prior traumas were often overlooked in care planning. The majority exhibited various mental health problems, underscoring the need for tailored interventions. The study highlights challenges in aligning unaccompanied asylum-seeking minors' individual needs, treatment goals, and provided care. Language barriers emerged as a critical concern, impeding effective communication and treatment. Approximately 80% of the asylum-seeking minors experienced difficulties in understanding and expressing themselves in Swedish. The limited use of professional interpreters further exacerbated this issue. The study underscores the need for targeted interventions to better support unaccompanied asylum-seeking minors within compulsory institutional settings.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"28 27","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141659475","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Maria De Jesus, Bronwyn Warnock, Zoubida Moumni, Zara Hassan Sougui, Lionel Pourtau
{"title":"Strategies of survival, livelihood, and resistance in transit: a narrative analysis of the migration trajectory of a Guinean asylum seeker in France","authors":"Maria De Jesus, Bronwyn Warnock, Zoubida Moumni, Zara Hassan Sougui, Lionel Pourtau","doi":"10.3389/fhumd.2024.1285316","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1285316","url":null,"abstract":"The concept of “transit” is an understudied phenomenon in migration studies. Transit is not necessarily a linear and unidirectional temporal movement from origin to destination countries, nor is it a clearly demarcated event in time and space. This article examines the complex dimensions of transit, that is, the geospatial, social, economic, psychological, and relational aspects that both shape and are being shaped by asylum seekers. Drawing on a unique qualitative phenomenological approach, the study utilizes an in-depth case narrative to trace and analyze the transit of Mamadou, a Guinean 26-year-old male asylum seeker in France. The salient themes of the narrative fall into five parts: (1) Triggers of transit; (2) Transit as a survival strategy; (3) The complex legal hurdles of asylum; (4) The politics of discomfort and dispersal; and (5) Acts of resistance. Throughout the narrative, an analytic lens is interwoven as informed by relevant literature. The results highlight how Mamadou's migration trajectory is characterized by various cycles of trauma, while he simultaneously employs survival, livelihood, and resistance strategies to confront and overcome these different forms of trauma. This paper highlights the much-needed call to depoliticize transit through adopting a pragmatic approach to asylum that promotes a virtuous cycle of policies, which contribute to the wellbeing and integration of asylum seekers.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"83 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141662622","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The use of digital platforms by citizen aid actors during the Ukraine humanitarian crisis","authors":"Tererai Obey Sithole","doi":"10.3389/fhumd.2024.1326769","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1326769","url":null,"abstract":"Following the Ukraine humanitarian crisis, which was a result of the war in Ukraine, ordinary citizens stepped up to spontaneously coordinate various humanitarian responses to support affected populations. In this article such individuals who founded or coordinated this form of spontaneous humanitarian aid are referred to as citizen aid actors (CAA). This paper explores the work of citizen aid actors in Poland, a country which received many of the people displaced by the war in Ukraine. The study applies the concept of digital affordances to illustrate and argue that citizen aid actors relied on the features available on digital platforms to attain their goals. It is an outcome of a qualitative research approach where interviews, participant observation, and analysis of relevant online material about the studied citizen aid actors were used as methods of collecting data. The findings indicate that these actors used diverse digital platforms at different stages of the humanitarian aid projects, from establishment, organization and sustenance. While this study demonstrates how specific digital platforms contributed to the accomplishment of the work done by CAAs, it also highlights how problematic it can be when the actors largely rely on digital platforms. As such, potential risks associated with overreliance on digital platforms as a way of implementing projects are factored in. Ensuing concerns include the presence of online trolls, the spreading of fake news, and internet disruptions as potential obstacles for the success of the aid projects.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"104 22","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141666479","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Transparency and accountability in AI systems: safeguarding wellbeing in the age of algorithmic decision-making","authors":"Ben Chester Cheong","doi":"10.3389/fhumd.2024.1421273","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1421273","url":null,"abstract":"The rapid integration of artificial intelligence (AI) systems into various domains has raised concerns about their impact on individual and societal wellbeing, particularly due to the lack of transparency and accountability in their decision-making processes. This review aims to provide an overview of the key legal and ethical challenges associated with implementing transparency and accountability in AI systems. The review identifies four main thematic areas: technical approaches, legal and regulatory frameworks, ethical and societal considerations, and interdisciplinary and multi-stakeholder approaches. By synthesizing the current state of research and proposing key strategies for policymakers, this review contributes to the ongoing discourse on responsible AI governance and lays the foundation for future research in this critical area. Ultimately, the goal is to promote individual and societal wellbeing by ensuring that AI systems are developed and deployed in a transparent, accountable, and ethical manner.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"79 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141683895","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Sinem Kavak, Mo Hamza, T. Gammeltoft‐Hansen, Russell A. Stone
{"title":"Refugee agency in secondary mobility decision-making: a systematic literature review","authors":"Sinem Kavak, Mo Hamza, T. Gammeltoft‐Hansen, Russell A. Stone","doi":"10.3389/fhumd.2024.1376968","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1376968","url":null,"abstract":"Decisions made by millions of refugees about where to go, how to make a living and how to secure a future are fundamental drivers of secondary movements. While a substantial body of literature addresses factors contributing to migrants’ decision-making, a comprehensive understanding of the central role of refugees in secondary mobility decision-making, including agency and strategies employed, remains underexplored. This is partly due to the belief that refugees are constrained by external and structural factors and cannot exercise agency, which we challenge. This article provides a systematic analysis of the literature on refugees’ secondary mobility decision-making processes. Using a systematic literature review (SLR) methodology, it presents an in-depth analysis of 40 peer-reviewed, English-language research articles selected from the Web of Science and Scopus databases published before September 2022. The article critically examines the drivers, prevailing dichotomies and conceptual frameworks surrounding refugee categorization, agency, and mobility. By synthesizing a wide range of literature, our paper presents emerging alternative concepts and frameworks that shed light on the complex dynamics of decision-making.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"3 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141686142","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Common animals: sedentary pastoralism and the emergence of the commons as an institution","authors":"Katherine Kanne, Mark Haughton, Ryan Lash","doi":"10.3389/fhumd.2024.1389009","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1389009","url":null,"abstract":"Animal husbandry was of fundamental consequence in the planning and development of larger and more permanent communities. Pastoralism is often assumed to be highly mobile when considering social institutions and political formations, despite the diversity of husbandry practices that are either wholly, or largely, tethered to relatively sedentary social aggregations. Key tenets of more settled animal husbandry are intensive social relations between people, and between people, animals, and landscapes. This entails reciprocal, multispecies cooperative efforts to decide how to utilize pastoral resources, choose where to settle, and how to organize settlements with an eye for the animals. Yet, scholars have rarely considered how the logistics and social dynamics of pastoralism shaped the transition to sedentism and, particularly, the development of collective forms of governance in prehistory. In this paper, we re-center pastoralism in narratives of settling down, in order to recognize the critical ways that relations with animals shaped how humans learned to move and dwell in emergent grazing landscapes. We take an institutional approach to the concept of “the commons,” demonstrating the dynamics through 19th-century Irish rundale, then draw on case studies from Southern Scandinavia and the Carpathian Basin to consider the commons as a multispecies institution which resulted in variable sociopolitical formations of the European Bronze Age.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"27 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-07-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141688037","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Eleni Pothou, Dolly Eliyahu-Levi, Begüm Sonbahar, Michal Ganz-Meishar
{"title":"Navigating collaborative learning across national boundaries: a comparative study of educators’ perspectives in Israel and Turkey","authors":"Eleni Pothou, Dolly Eliyahu-Levi, Begüm Sonbahar, Michal Ganz-Meishar","doi":"10.3389/fhumd.2024.1364693","DOIUrl":"https://doi.org/10.3389/fhumd.2024.1364693","url":null,"abstract":"The primary goal of the KIDS4ALLL project was to empower educators to foster a flexible, innovative, and collaborative learning environment within their classrooms. This article delves into teachers’ experiences with implementing collaborative learning during the KIDS4ALLL project. Additionally, it explores how teachers perceived the implementation of the KIDS4ALLL pilot in learning environments across different national educational settings, specifically in Israel and Turkey. Given that both Israel and Turkey have centralized education systems and adhere to a traditional teaching approach, the two research questions offer insights into how the national education context of both countries influences the implementation of the collaborative learning approach of KIDS4ALLL and the experiences of educators. The methodology employed in this study involved semi-structured interviews with 16 educators and participant observation during the two pilots. The findings highlight a sense of fear and uncertainty among educators regarding their ability to conduct lessons in an unfamiliar yet innovative and flexible learning environment. These feelings were accompanied by challenges such as technological and language barriers, sociocultural diversities, and occasional behavioral issues. The results also underscore similarities between the two countries, emphasizing that centralized education systems, teachers’ previous training, curriculum, and available physical space posed challenges to the pilot program’s implementation.","PeriodicalId":489828,"journal":{"name":"Frontiers in human dynamics","volume":"45 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-06-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"141385877","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}