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Evaluating the impact of financial and behavioural determinants on consumptive behaviour through the mediating role of mental accounting
(Discover Psychology, 2026) Korde, Shilpa
The role of mental accounting has emerged more clearly in the light of the contemporary changes in organisations and environments. Financial and behavioural determinants are increasingly recognised as key drivers of individual consumption patterns. The present study investigates the financial and behavioural factors that interact through mental accounting to shape consumptive behaviour among working individuals in Goa, India. The independent variables comprised financial factors, including digital wallet and financial literacy, and behavioural factors, such as overconfidence and time orientation, while consumptive behaviour was the dependent variable. This study is grounded in behavioural finance theory and employs a quantitative design, using survey data from 328 working individuals in Goa collected through a proportionate stratified random sampling method and analysed using partial least squares-structural equation modelling (PLS-SEM). Results show that digital wallets, financial literacy, and overconfidence significantly influence mental accounting, while overconfidence and mental accounting significantly affect consumptive behaviour; however, time orientation, digital wallets, and financial literacy show no significant direct effect on consumptive behaviour. Mental accounting does not mediate the relationship between digital wallets and consumptive behaviour, but fully mediates the relationship between financial literacy and consumptive behaviour.
Evaluating the dynamics of perceived service quality, citizen satisfaction, and gender in influencing the adoption of E-governance services
(Cogent Social Sciences, 12(1), 2026) Korde, Shilpa
In the technological era, the adoption of e-governance services (AD) is vital for enhancing social growth as it directly shapes citizens’ experiences with public service delivery. This study examines the relationships between perceived service quality (PSQ), citizen satisfaction (CS) and AD, while assessing the mediating role of CS and the moderating effect of gender. PSQ is conceptualised as a higher-order construct comprising information, navigation, responsiveness, security and privacy. Data were collected from 673 citizens in Goa, India, using a structured questionnaire with a 7-point Likert scale, and analysed using the Statistical Package for the Social Sciences (SPSS) and Partial Least Squares Structural Equation Modelling (PLS-SEM). The findings demonstrate that PSQ significantly influences both CS and AD, with CS partially mediating the relationship between PSQ and AD. Gender moderated the relationships between PSQ and CS and between CS and AD, but not the direct effect of PSQ on AD. These results highlight that the study theoretically strengthens e-governance adoption models by positioning PSQ as both a direct and an indirect determinant of adoption, while recognising gender’s conditional role. Practically, it emphasises enhancing service quality and adopting gender-responsive strategies to improve satisfaction and foster wider adoption of e-governance services.
A Hybrid GA–PSO–CSA with Bit-Vector Optimization for High-Utility Itemset Mining
(Data Science and Security, 2026) Almeida, Tracy
High Utility Itemset Mining (HUIM) identifies itemsets based on utility, such as profit or significance, making it valuable in retail, healthcare, and finance. Conventional methods like Two-Phase and UP-Growth struggle with exponential search space, repeated database scans, and high memory use, limiting performance on large datasets. This paper introduces a hybrid metaheuristic combining Genetic Algorithm (GA), Particle Swarm Optimization (PSO), and Crow Search Algorithm (CSA), enhanced with Bit-Vector Optimization (BVO) for efficient itemset representation. GA enables exploration, PSO accelerates convergence, CSA maintains diversity, while BVO reduces computation cost. Tests on IBM synthetic datasets and the Retail-FIMI benchmark show the proposed GA–PSO–CSA with BVO outperforms traditional and standalone metaheuristics in convergence speed, execution time, and solution quality, proving its scalability and effectiveness for real-world HUIM tasks.
Willingness to use liquified petroleum gas as the main fuel in selected talukas of Goa
(Artha Vijnana, 2026) Undakotti, Mohan
The over-dependence on firewood by rural households is a major deterrent to the adoption of Liquefied Petroleum Gas (LPG). Although LPG as a clean cooking fuel is widely acknowledged in the energy-transition literature, only a few studies have acknowledged the impacts of LPG on the rural household fuel choice decision. This study attempted to determine the factors influencing rural households’ willingness to use LPG as the main fuel and its relationship with LPG usage in the selected talukas of Goa. The analysis revealed that LPG was primarily used for cooking meals, preparing tea, and making quick snacks. Firewood was the most preferred fuel choice for heating water for bathing and continues to dominate the cooking-fuel landscape in rural areas. A major concern for not using LPG was its high refilling cost, while the main drivers of LPG usage were ease of refilling, convenience of cooking, and low risks. Based on the findings, the study suggests immediate measures such as relaunching the LPG subsidy scheme that was stopped in May 2020, universal coverage of the subsidy scheme irrespective of caste and income criteria, greater awareness on the efficient use of LPG stoves, expanding LPG distribution networks in rural areas, and imposing restrictions on firewood collection, including a ban on the collection of dead and fallen branches from the trees, all of which would help increase the proportion of the rural population dependent on LPG. Households would be willing to switch over to LPG completely if the issue of affordability is addressed by the government. Additionally, education and awareness campaigns on the health risks associated with firewood cooking, particularly indoor air pollution, should be encouraged, especially in rural areas.
DETERMINANTS OF PASSENGER SATISFACTION: EMPIRICAL EVIDENCE FROM THE GOAN MARKET
(Vidyabharati International Interdisciplinary Research Journal, 2026) Bhende, Seema
In the modern aviation landscape, service quality has transitioned from a competitive advantage to a strategic necessity. This study investigates the determinants of passenger satisfaction within the Goan aviation market, focusing on travelers at Dabolim and Manohar International Airports. Utilizing a descriptive research design and a quantitative approach, data was collected from 308 respondents using convenience and snowball sampling. The research evaluates key service dimensions, including pre-flight operations, in-flight safety, and staff professionalism, through the lens of the SERVQUAL and Expectancy-Disconfirmation models. Statistical analysis, including Mean scores and Chi-Square testing, revealed a high aggregate satisfaction across all studied variables. In-flight safety emerged as the highest-performing dimension (Mean = 3.98), followed by staff behavior and communication (Mean = 3.84). The results indicate that while price is a significant factor for approximately 20.78% of travelers, the majority prioritize service excellence and reliability. All null hypotheses were rejected (p < 0.001), confirming that service quality dimensions have a statistically significant impact on passenger contentment. The findings suggest that airlines must bridge the "satisfaction gap" by maintaining consistent service standards to foster long-term loyalty in a hyper-competitive environment.