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Examining the reasons why Albanians use internet banking services is the focus of this paper. Due to recent technological developments, Albania's banking industry is utilizing technology for an increasing number of banking procedures. We started by presenting some of the key elements that have been identified as having a significant impact on the literature regarding the adoption of online banking, including demographic, socioeconomic, and other elements based on the technology adoption model (TAM). For our empirical research, we used primary data that was collected through surveys that various bank customers in Albania completed. The decreased desire to utilize cash appears to be a key element influencing the rise in the usage of online banking applications and services. Other important factors are the application technical issues and reduction of banking operations time as well as the application security level. The findings of this study will help banks better understand their customers' needs and will provide them with suggestions on how to make technology development plans easier.  

Is credit card lending by credit unions within the United States primarily a service to members or a profit generating product?  This paper examines the impact of credit card lending on the performance of U.S. credit unions from 2000-2017. A panel data approach using fixed effects regression methodology is undertaken to make comparative analyses of credit union performance across several dimensions including the percentage of the firm’s assets in credit card loans and percent of members with a credit card. Credit unions are stratified into deciles by size and significant results are found using this methodology. Controlling for delinquencies and charge-offs among other variables, credit card lending significantly increases ROA for both large and small credit unions, but only after the Financial Crisis of 2008, and the establishment of the CARD Act in 2009. Interestingly, the ROA of small credit unions significantly increases with the percentage of members using the institution’s credit card.  This result suggests that small credit unions would benefit by increasing the penetration of credit cards within their membership base.

There is scant literature available in South Africa that explores the knowledge, attitudes and perceptions of student nursing trainees and other healthcare workers who deliver sexual health services to sexual and gender minority (SGM) communities with unique health needs. An online, mixed-method, questionnaire-based survey was employed to conveniently sample 39/78 (50%) final-year Bachelor of Nursing students from the University of Kwa-Zulu Natal to understand their knowledge, attitudes and perceptions. Descriptive statistics were applied for quantitative results and thematic analysis was used for free-text qualitative data. Results suggested that over 67% of the participants lack the skills and knowledge to obtain a comprehensive history salient to the health needs of SGM populations. Students reported that social upbringing and religious beliefs impact the care they render, with many showing favourable attitudes toward the SGM community. Overall, students reported no content related to SGMs in the current nursing curriculum, however, students were receptive, highlighting the need to be clinically competent to provide relevant healthcare for SGM to meet their sexual health needs. It thus require that students must be trained and have included the SGM content in their curriculum to meet the sexual health needs of SGM population to enable non discriminatory, equitable health provision. being informed and having the necessary skills and knowledge obtained during training in the health institutions of higher learning can address the issues of greatest concern related to the HIV health needs of SGM populations.

Pennsylvania's aging transportation infrastructure has long been a cause for concern, with bridges, highways, and other vital components approaching the end of their serviceable lifespans. The state's infrastructure, one of the nation's oldest, is in dire need of repair and replacement, particularly in the case of bridges, many of which are over 50 years old and in poor condition. However, the financial investment required for this task is substantial, posing challenges within the state's budget constraints. To address this infrastructure crisis, an amendment to Pennsylvania's existing legislation, Act 88, is proposed. This amendment would permit local governments to engage in Public-Private Transportation Partnerships (P3s), leveraging private sector financial resources and expertise. Such local government Transportation P3s have the potential to alleviate the state's infrastructure and financial woes. Currently, Act 88 prohibits municipal governments from participating in these partnerships, hindering the Commonwealth's ability to secure private funding and expertise when public resources are limited. This study aims to address the structural deficiencies in Pennsylvania's transportation infrastructure and its $2.2 billion financial deficit, which hampers repair and improvement efforts. The study employs a descriptive, multi-case analysis to investigate how an amendment to Act 88 could enable local municipalities to engage in P3 transportation projects. These partnerships could provide solutions to budgetary and funding challenges, particularly in the context of locally owned bridge repair and replacement projects. The selected cases are evaluated against various performance criteria, such as value, pricing, budgeting, public accountability, regulatory control, and capacity, offering a comprehensive assessment of the potential benefits of local government participation in P3 transportation projects.

This study examines the different factors that affect the profitability of the U.S. life insurance industry. Using a panel data from 1997 to 2013 for all U.S. life insurance companies, I find that company specific variables and macroeconomic indicators are statistically significant determinants of financial performance.  Most notably, the statistical analysis shows that efficiency and market share are important determinants of life insurers’ profitability in addition to growth in GDP and interest rate. There is support for the profit persistency hypothesis that previous profitability significantly affects current performance of life insurance companies. Robustness tests by insurer’s organization type provide consistent results.

There is scant literature available in South Africa that explores the knowledge, attitudes and perceptions of student nursing trainees and other healthcare workers who deliver sexual health services to sexual and gender minority (SGM) communities with unique health needs. An online, mixed-method, questionnaire-based survey was employed to conveniently sample 39/78 (50%) final-year Bachelor of Nursing students from the University of Kwa-Zulu Natal to understand their knowledge, attitudes and perceptions. Descriptive statistics were applied for quantitative results and thematic analysis was used for free-text qualitative data. Results suggested that over 67% of the participants lack the skills and knowledge to obtain a comprehensive history salient to the health needs of SGM populations. Students reported that social upbringing and religious beliefs impact the care they render, with many showing favourable attitudes toward the SGM community. Overall, students reported no content related to SGMs in the current nursing curriculum, however, students were receptive, highlighting the need to be clinically competent to provide relevant healthcare for SGM to meet their sexual health needs. It thus require that students must be trained and have included the SGM content in their curriculum to meet the sexual health needs of SGM population to enable non discriminatory, equitable health provision. being informed and having the necessary skills and knowledge obtained during training in the health institutions of higher learning can address the issues of greatest concern related to the HIV health needs of SGM populations.

Pennsylvania's aging transportation infrastructure has long been a cause for concern, with bridges, highways, and other vital components approaching the end of their serviceable lifespans. The state's infrastructure, one of the nation's oldest, is in dire need of repair and replacement, particularly in the case of bridges, many of which are over 50 years old and in poor condition. However, the financial investment required for this task is substantial, posing challenges within the state's budget constraints. To address this infrastructure crisis, an amendment to Pennsylvania's existing legislation, Act 88, is proposed. This amendment would permit local governments to engage in Public-Private Transportation Partnerships (P3s), leveraging private sector financial resources and expertise. Such local government Transportation P3s have the potential to alleviate the state's infrastructure and financial woes. Currently, Act 88 prohibits municipal governments from participating in these partnerships, hindering the Commonwealth's ability to secure private funding and expertise when public resources are limited. This study aims to address the structural deficiencies in Pennsylvania's transportation infrastructure and its $2.2 billion financial deficit, which hampers repair and improvement efforts. The study employs a descriptive, multi-case analysis to investigate how an amendment to Act 88 could enable local municipalities to engage in P3 transportation projects. These partnerships could provide solutions to budgetary and funding challenges, particularly in the context of locally owned bridge repair and replacement projects. The selected cases are evaluated against various performance criteria, such as value, pricing, budgeting, public accountability, regulatory control, and capacity, offering a comprehensive assessment of the potential benefits of local government participation in P3 transportation projects.

Is credit card lending by credit unions within the United States primarily a service to members or a profit generating product?  This paper examines the impact of credit card lending on the performance of U.S. credit unions from 2000-2017. A panel data approach using fixed effects regression methodology is undertaken to make comparative analyses of credit union performance across several dimensions including the percentage of the firm’s assets in credit card loans and percent of members with a credit card. Credit unions are stratified into deciles by size and significant results are found using this methodology. Controlling for delinquencies and charge-offs among other variables, credit card lending significantly increases ROA for both large and small credit unions, but only after the Financial Crisis of 2008, and the establishment of the CARD Act in 2009. Interestingly, the ROA of small credit unions significantly increases with the percentage of members using the institution’s credit card.  This result suggests that small credit unions would benefit by increasing the penetration of credit cards within their membership base.

This study examines the different factors that affect the profitability of the U.S. life insurance industry. Using a panel data from 1997 to 2013 for all U.S. life insurance companies, I find that company specific variables and macroeconomic indicators are statistically significant determinants of financial performance.  Most notably, the statistical analysis shows that efficiency and market share are important determinants of life insurers’ profitability in addition to growth in GDP and interest rate. There is support for the profit persistency hypothesis that previous profitability significantly affects current performance of life insurance companies. Robustness tests by insurer’s organization type provide consistent results.

Although community banks hold a small proportion of U.S. banking assets and market share, they perform a crucial function in the U.S. economy by offering vital financial services to businesses and individuals in regions where major banks do not operate. Their diseconomies of scale put them at a competitive disadvantage in relation to large, national commercial banks when coping with digital transformation and regulatory requirements. These challenges mounted after the Great Recession. This research, with the usage of four key financial ratio categories and the implementation of logit regression, looks into how U.S. community banks evolved in the aftermath of the financial crisis, 2009-2017. It divides the entire sample period into two sub-sample periods, 2009-2012 and 2013-2017, and comparing community banks with their larger counterpart and within the community bank sector between the largest and the smallest asset size quartiles of the group. This study, to the best of our knowledge, represents the only known research at the time of publication that compares recovery of banks post the Great Recession based on whether they are community or non-community banks. It finds that community banks tended to recover more slowly in terms of the bottom line, ROE, after the Great Recession than large national banks. Additionally, community banks are more likely to carry even less capital than their national counterparts in the later time period as compared with the earlier time period. In contrast, banks with higher liquidity and greater operating efficiency are more associated with community banks than non-community banks. Also, the empirical findings posit that size matters, to a certain extent. That is, while size does not command an absolute advantage, a certain threshold may be necessary for a bank to stay competitive. This provides a rationale for mergers and acquisitions taking place in the banking sector.