Digitalization has significant power to boost the performance of small and medium-sized enterprises (SMEs). Most scholars approached the phenomenon from different standpoints by examining the effects of information technology skills, digital skills, information systems capabilities, information and communication technologies (ICT) adoption, and digitalization on firm performance. However, although the terms are interrelated, the impact of digital maturity on SMEs' performance has been rarely investigated. Digital maturity examines the extent of digitalization and digital capabilities of organizations, which is essential in evaluating state-of-the-art organizations' digitalization efforts and providing a roadmap for further improvement. Although digitalization offers various benefits to organizations, its direct effect on the performance outcome is still arguable. Prior studies had revealed mixed findings when they assessed the impact of digital maturity on firm performance. Hence, some studies called for research for the examination of possible intervening variables. Consequently, this study examines the effects of digital maturity and organizational agility on firm performance. Furthermore, the moderating role of organizational agility in the digital maturity-firm performance link is also investigated. Data for testing the proposed model was collected from SMEs in the Marmara Region of Turkey using a convenience sampling technique. The structural equation modeling with partial least squares estimation (PLS-SEM) approach was used to analyze 119 responses collected from SMEs via face-to-face and online questionnaires. Eighty-two of the respondents identified themselves as entrepreneurs/partners. 13 respondents are senior executives, 14 are mid-level managers, 8 are white-collar employees, and two stated that they work in different positions than these. The findings show that organizational agility and digital maturity have a positive impact on firm performance. However, when the role of organizational agility is examined as a moderator, it is discovered that the factor reduces the effect of digital maturity on firm performance.

This study aims to reveal the predictors of individuals’ financial behavior associated with credit default for accurate and reliable credit risk assessment. Within the scope of credit use research, a systematic review of 108 studies was performed. Among the reviewed studies, a fair number have analyzed the determinants of default and delinquency. A remarkable number has examined the factors affecting outstanding and problematic debt levels, and some have investigated the financial behavior in terms of responsibility, debt repayment, and credit misuse. A wide range of socioeconomic, demographic, psychological, situational, and behavioral factors was explored, and their role in predicting the investigated outcome domain at various time-points was analyzed. The main analysis techniques and mix of predictors in papers also differed based on different time periods. While the synthesis of findings revealed some strong and consistent predictors for each outcome variable, mixed results were obtained for some factors. Additionally, a cluster of new practices that includes a wide range of alternative factors to improve prediction accuracies were uncovered. Study findings revealed a paradigm shift regarding the use of non-traditional data sources, especially big data, and novel techniques.

Information systems research lacks a validated scale for assessing and measuring the adoption of information and communication technologies (ICTs) by small- and medium-sized enterprises (SMEs). The relevant literature is limited in studies mainly concentrating on developing country settings. Furthermore, the emergence of new technological elements and increasing digitalization and digital transformation efforts in the last two years have changed how an organization utilizes and adopts ICTs. Therefore, it is inevitable that the conceptual dimensions proposed in the previous literature and the definitions of these dimensions will also alter. Hence, it is essential to revisit and validate the prior work and enhance it based on current vitality and developments. This study developed and validated a scale for measuring ICT adoption and digitalization for SMEs in a developing country context. The researchers followed an eight-step scale development procedure: (1) comprehensive literature review on ICT adoption and digitalization; (2) identification of dimensions of the level of ICT adoption and digitalization; (3) generation of items; (4) item refinement through focus group; (5) pretest of the measurement; (6) scale purification; (7) data collection; and (8) measurement evaluation. Within the Turkish setting, the ICT adoption scale was determined to have sufficient reliability and validity. Data for this study were gathered from 421 respondents of 219 Turkish SMEs. Supporting the multidimensionality of ICT adoption, 14 items and five dimensions (communication, internal integration, integration with customers, interorganizational integration, and strategic integration) constituted the ICT adoption construct. Considering the dominance of conceptual frameworks that were proposed based on developed countries and the prevalence of unidimensional constructs in the field, the developed multidimensional scale is expected to contribute significantly. Practitioners and policymakers can utilize the suggested scale to discover areas where specific changes are required for the digital transformation in SME utilization efforts that need attention. The outcomes can be applied to industrial sectors and different geographic contexts. By considering stage-based integration, the developed scale can also be used in future studies to investigate the effects of different variables on the extent of ICT adoption and the impact of ICTs on several organizational outcomes.

Today, every firm and organization must digitally transform in order to survive and deal with increasing competition and dynamic market conditions. Digital transformation is not easy to achieve, and many factors play an important role in the successful digital transformation of firms. Leaders' leadership styles and characteristics play a crucial role in digital transformation. This study examines the effects of generative leadership and digital literacy of executive management on the digital maturity of micro and small firms based on the Upper Echelons Theory. Sub-dimensions of digital maturity are also considered and searched to provide a more detailed analysis. The research utilized a survey method and was conducted with 121 upper, middle, and first-line managers of 93 micro and small-size firms operating in the Marmara Region of Turkey. Frequency, factor, regression, and validity and reliability analyses through the SPSS package program were used. The results are two folds. First, generative leadership and digital literacy of executive management help flourish digital maturity when searched independently. Second, the study results indicate that the digital literacy of executive managers has a mediating effect on the relationship between generative leadership and digital maturity. Furthermore, the study proves the mediating effect on digital maturity's technological, strategic, and cultural maturity sub-dimensions. With these findings in micro and small businesses, the study comprehensively contributes to the current knowledge in this domain.

Micro‐mobility services, which are considered a sustainable alternative to traditional transportation modes, have gained substantial popularity due to advancements in mobile technology. As one of those modes of transportation, shared e‐scooter services have encouraged several startups in urban areas, allowing them to reach massive numbers of consumers in a highly competitive environment. This study aims to explore gains and barriers that affect the intention of consumers to use shared e‐scooter services, all within the framework of sustainability‐driven considerations. The Latent Dirichlet Allocation (LDA) Algorithm was used to analyse 24.798 reviews from the Google Play Store, uncovering eight topics. Those topics were used to discover customer value perceptions in the shared e‐scooter context and compare them with the related literature on perceived value. Besides, their impact on user ratings on the mobile application platform was measured using machine learning algorithms. The study's findings are expected to contribute to developing regulations for shared e‐scooter services, which have gained popularity as an eco‐friendly mode of transportation sustainability in urban areas by introducing a novel perspective.

The aim of this study is to measure and assess information and communications technology (ICT) literacy and information acquisition skills of high school students and their parents, and to determine factors associated with different levels of ICT literacy and information acquisition skills. Within the scope of the study, a measurement model was developed to examine the ICT literacy from technical and cognitive aspects. A framework for assessing information acquisition skills was proposed in order to distinguish cognitive capabilities from technical ones and to conduct comparative analysis. Besides, ICT literacy levels for students and parents were analyzed based on different criteria and significant differences were explored. ICT literacy and information acquisition scores of students and parents were compared and differences were demonstrated. Further, Internet utilization purposes for students and parents were examined and presented.