Robo-advisor has become the new personal wealth management and investment method. Nonetheless, certain predicaments are faced by robo-advisor companies as a tech-savvy young group of individuals seems to be less willing to adopt robo-advisory. This study investigates millennials’ adoption of robo-advisory in terms of financial knowledge, trust and usability perception in the 21st century to enhance sustainability. This quantitative study focuses on individuals belonging to the millennial generation who were born between 1981 and 1996. The findings indicate that the millennials who possess financial knowledge, as well as perceived usability and trust have a significant positive effect on the willingness to embrace robo-advisory as a tool for wealth management. The higher the financial knowledge of an individual, the more likely they are willing to adopt a robo-advisor. Government may provide appropriate avenues to enhance financial knowledge, and credible and user-friendly platforms with resources to boost the millennials’ usage of robo-advisors for their wealth management. With robust artificial intelligence, robo-advisory continues to support users, especially millennials, through three dimensions of sustainable development: environment, society, and economy.

Background: Excessive alcohol consumption has negative effects not only on the drinkers’ health but also on others around them. Previous studies suggest that excessive alcohol consumption can be related to a combination of factors such as age, family background, religiosity, etc. Investigating and clarifying these roots of alcohol consumption is crucial so that the right type of interventions can be designed in a specific and targeted manner. Objectives: This work was conducted as a systematic review to reveal the factors associated with alcohol consumption and to heighten the understanding of the differences among various communities and segments of the population regarding their usage of alcohol. Data sources: A systematic search of Web of Science, PubMed, ScienceDirect, and Google Scholar was performed. Results: Forty-five studies were included in the review after excluding irrelevant records and duplicates. Conclusions: Alcohol consumption patterns can be associated with several factors related to communities and individuals, and our review revealed demographic factors, including age and proximity to alcohol outlets, as well as social factors, including family background, socioeconomic background, and religious influence. These findings can be used to establish a guideline for further studies in understanding alcohol consumption patterns among individuals according to their personal characteristics and sociocultural backgrounds.

Although alcohol consumption may produce effects that can be beneficial or harmful, alcohol consumption prevails among communities around the globe. Additionally, alcohol consumption patterns may be associated with several factors among communities and individuals. Numerous technologies and methods are implemented to enhance the detection and tracking of alcohol consumption, such as vehicle-integrated and wearable devices. In this paper, we present a cellular-based Internet of Things (IoT) implementation in a breath analyzer to enable data collection from multiple users via a single device. Cellular technology using hypertext transfer protocol (HTTP) was implemented as an IoT gateway. IoT integration enabled the direct retrieval of information from a database relative to the device and direct upload of data from the device onto the database. A manually developed threshold algorithm was implemented to quantify alcohol concentrations within a range from 0 to 200 mcg/100 mL breath alcohol content using electrochemical reactions in a fuel-cell sensor. Two data collections were performed: one was used for the development of the model and was split into two sets for model development and on-machine validation, and another was used as an experimental verification test. An overall accuracy of 98.16% was achieved, and relative standard deviations within the range from 1.41% to 2.69% were achieved, indicating the reliable repeatability of the results. The implication of this paper is that the developed device (an IoT-integrated breath analyzer) may provide practical assistance for healthcare representatives and researchers when conducting studies involving the detection and data collection of alcohol consumption patterns.

InsurTech is emerging as a key player in Malaysia's insurance landscape, bolstered by strong government support, regulatory initiatives, and increasing consumer demand for digital solutions. As the insurance industry undergoes digital transformation, understanding the factors driving the adoption of InsurTech platforms is crucial for both academic inquiry and industry practice. This study aims to investigate the factors influencing young working adults' intentions to purchase life insurance using InsurTech platforms. Utilizing a quantitative approach based on the Theory of Reasoned Action (TRA), the research gathered data from 118 respondents through a non-probability convenience sampling method, which was then analyzed using SPSS version 29 and multiple linear regression. The findings indicate that attitude, subjective norms, insurance literacy, and trust have significant and positive effects on the intention to purchase life insurance via InsurTech platforms among Malaysian young working adults. Notably, attitude and trust emerged as the most influential factors, highlighting the transformative role of technology in shaping consumer behavior. These results, along with broader industry trends, emphasize the growing importance of InsurTech in the insurance sector, particularly in driving purchase intentions among younger demographics. To stay competitive, insurers must focus on fostering trust and enhancing the perceived value of their digital platforms. The rapid integration of AI, IoT, and other advanced technologies not only streamlines operations and reduces costs but also enhances customer experience, ensuring that InsurTech will remain central to the industry's future. For future research, investigating the impact of emerging technologies such as blockchain and AI on trust and customer experience within InsurTech platforms would be a promising direction.

Background - The new increasing homeless lately consist of women, children, youth, the elderly and marginalized ethnic or migrant groups. Some of them are working and earn salaries, however, the income is not sufficient to live modestly. Purpose – The purpose of this research is to establish a desired support system to eradicate urban homelessness in the country. Design/methodology/approach – This is an exploratory descriptive method study which employed quantitative techniques. The study employed a social ecological model to investigate behavior of homeless via multiple levels of influences including intrapersonal, interpersonal, organizational, community and public policy. Surveys have been conducted on sixty-five homeless individuals. Findings – It was found that support systems and structures should be derived from the whole streams from families, communities, organizations and government. Employment opportunities, long-term shelters within the community places and highly demanded skills are needed to improve their living condition. Research limitations – This study is only focused on the socio-economic structures of the homeless in a capital city. Originality/value – This is an empirical research using a social ecological model for the homeless in the Kuala Lumpur area. Research on homeless study has received little attention and has yet to be fully explored.

Background: Extreme poverty can result in people barely surviving with poor living standards to the extent of living on the streets, often in fear. With limited access to healthcare services and a clean environment, they are more vulnerable to life adversities. Highly stressful living conditions like these can cause mental illnesses such as depressive disorders, anxiety disorders, psychological distress, and others. Purpose: This research aimed to investigate factors that led to the development of mental illness among homeless people under extreme poverty. Design/methodology/approach: This was a qualitative case study that involved a face-to-face interview with a key informant at the Pertubuhan Kebajikan Villa Harapan Melaka (Villa Harapan). Villa Harapan is a licensed caretaker centre established by the Department of Welfare, Melaka that provides shelter to homeless people with mental illness. Findings: Homeless people suffered from mental disturbances due to loss of jobs, lack of income, broken families, separation from their children, and other vulnerabilities. They are not getting appropriate care and attention for their problem and sickness. Non-supportive family, extreme poverty, and chronic stress were the main factors that led to mental illness among Villa Harapan residents. Research limitations: The study focused on the mental illness of dispossessed people who were brought to Villa Harapan by the Welfare Department. Originality/value: This was an empirical case study on mental illness among homeless people at a care centre known as Villa Harapan.