This paper assessed the effects of branchless banking (BB) models financialinclusion using a global sample of 155 countries. The study used the WorldBank‘s Global Financial Index Database, the G20 Financial Inclusion database,and the Global Enterprise Surveys over the period 2011-2019. The results ofthe study show that mobile money penetration across countries has significantlyincreased over time, with developing countries having almost equal penetrationof mobile money technologies as the rest of the developed world. The otherresults show that a relatively higher percentage of adults and small and mediumenterprises (SMEs) have bank accounts. However, compared to developedcountries, more adults in developing countries are unable to secure loans fromtraditional financial institutions and have a relatively lower concentration ofbank branches. Further, a larger presence of agents of financial service providers and mobile money transactions significantly increases the prospectsof having a bank account.

Computers can now carry out tasks, by first learning from being given examples, rather than just doing exactly what they are told, this is often referred to as Machine Learning or AI. This has given almost endless possibilities what these machines can ultimately do. At the same time, it also gives us many threats and things to worry about from a safety, security and ethical point of view and voices are raised that we should control what AI is allowed to do by laws and regulations. By applying a Double loop Co-design approach to science this paper focusses on ChatGPT and researchers experience with effectiveness and ethics related to use o this tool. 3 workshops were conducted with totally 14 participants from 5 continents. Most of the respondents are positive and excited about what Chat GPT and AI can do for us, but they are also worried. The main concerns are that AI will do the creative and fun parts of our work and that it produces false facts. In conclusion, if applying a perspective conscious view of knowledge, AI can inspire human controlled creativity and informed decision making with multi-perspective views of reality. 

The present study aims to explore online shopping of groceries across generation cohorts in Sweden during Covid-19, particularly regarding the oldest generation cohort – the Dutifuls (born 1945 or earlier). The data were collected through three large surveys, representative for the Swedish population in the age range 18 – 85. The field period for the first survey was September 17, 2018–January 21, 2019 (N = 1,754). The field period for the second survey was April 14 – June 28, 2020 (N = 2,501). The field period for the third survey was September 20 – December 30, 2021 (N = 1,588). Online grocery shopping in Sweden has increased remarkably since the outbreak of Covid-19, especially among the Dutifuls. However, the same generation cohort decreased their online shopping of groceries in the end of 2021. The findings are discussed in relation to limitations and practical implications. The decline of online shopping of groceries among the Dutifuls needs to be followed-up and explained by further research.

Autogenerated Advertisements (AGAs) can be a concern for consumers if they suspect that Artificial Intelligence (AI) was involved. Consumers may have an opposing stance against AI, leading companies to miss profit opportunities and reputation loss. Hence, companies need ways of managing consumers’ con-cerns. As a part of designing such advices we explore consumers’ discernment ability (DA) of AGAs. A quantitative survey was used to explore consumers’ DA of AGAs. In order to do this, we administered questionnaires to 233 re-spondents. A statistical analysis including Z-tests, of these responses suggests that consumers can hardly pick out AGAs. This indicates that consumers may be guessing and thus do not possess any significant DA of our AGAs.

This paper aims to examine the factors that influence the willingness to adopt mobile payments and the behavior intention to adopt among Thailand and Sweden's older adults. The developed Unified Theory of Acceptance and Use of Technology model was adopted as a conceptual framework and a measurement for this study. The five factors include performance expectancy, effort expectancy, social influence, facilitating conditions, and perceived risk are the independent variables plus the behavior intention to adopt mobile payments as a dependent variable. A quantitative analysis approach has been chosen to obtain data that can be statistically analyzed and compared. A total of 303 of the target respondents in Thailand and Sweden were collected through self-administered questionnaire surveys and analyzed with ADANCO with the partial least square method. The empirical results revealed a significant relationship between most factors with effort expectancy as the only insignificant determinant. For instance, the findings show that social influence has a substantial positive impact on the Thais and a significant impact on Sweden's willingness to adopt mobile payments. Further, perceived risk was found to negatively impact the adoption of mobile payment services in both countries. Still, the fear of losing money was significantly less in Sweden than in Thailand.

Purpose – This paper aims to identify content strategies on social media that influence engagement and to analyze those operations to describe important features for co-creation and trust.

Design/methodology/approach – This paper addresses the question of how social media content can influence engagement by using a mediumsized Swedish company for an empirical case study. This empirical study is based on a participatory action research methodology. By using the company account on LinkedIn, the authors experimented with relational content to understand the effects on customer-perceived value and trust.

Findings – Results reveal that action-oriented messages had a more significant impact on engagement than product-oriented messages and valuebased messages.

Originality/value – This paper builds on the existing literature in two ways: drawing upon business-to-business relationships and perceived value and using recent advances in the use of social networking sites to understand the value of co-creation through a participatory culture.

Marketers need new ways of generating campaigns artificially for their marketing activities. Many marketers assume proprietary systems are individualized enough. This article investigates an order of models used to measure how reliably a system can generate campaigns artificially while producing a campaign classification and generation models that are integrated into an intelligent marketing system. The order is between a Classification Model (CM) and a Generation Model (GM). The order also functions as an iterative model improvement process for developing the models by evaluating the models' accuracy distributions. The CM received a mean accuracy of 100%. The GM received 98.9% mean accuracy and a reproducibility score of 96.2%, implying the vast potential for increased resource savings, marketing precision, and less consumer annoyance. The conclusion is that the developed system can reliantly construct campaigns.

This study presents a novel taxonomy of short message service campaigns, for the purpose of building an intelligent marketing system. The main issue of mass marketing is that one size does not fit everybody. In other words, it is challenging to meet different consumer needs. With the help of artificial intelligence, marketers can be supported to overcome some of these challenges. This study uses a mixed methods approach where design science and grounded theory is used to produce a short message service campaign taxonomy for a future intelligent marketing system. Data collection consisted of 386 previously active campaigns used over 33 months to build the taxonomy. An experimental study was conducted to test the effectiveness of the proposed taxonomy. The experiments involved automatic generation of campaign messages. The validity of these campaign messages, and hence the proposed taxonomy, was ascertained by analysing the messages within a business context. The study concludes that the system, intertwined with the taxonomy, performs comparably to a regular campaign. Another proof of concept is that the business context deemed the generated campaign texts to be both semantically and syntactically similar to run them in active campaigns as experiments.

In this supervision strategy some important issues and challanges  are highlighted. The demands put on supervisors have gradually increased through and can lead to a difficult balance act by achieving results and marinating quality as time is a finite resource.

Literature was reviewed and points out information that is already known and relevant to current research.

This study is intended to present findings and conclusions regarding how to successfully coach and supervise PhD students to become ethical, yet confident and effective researchers and lecturers.