This study explores the assessments made by the inhabitants of eight Latin American countries regarding the current state of the environment, at a local, national and global scale, and how it is perceived looking ahead to the future. It also examines the assignment of responsibility in the future management of the environment. A total of 944 people took part in the study from the eight participating countries, men and women over the age of 18 with different levels of education. The study uses the Environmental Futures Scale to which two relevant items have been added to assess the environment in the region, as well as the Assignment of Environmental Responsibility Scale. The results show differences between the countries, although in general they are pessimistic regarding the current and future state of the environment at the local, national and global level, with the exception of Brazil. In general, and with the exception of Brazil, in the countries surveyed, people assign a high level of responsibility to external social agents at the different levels, increasing their judgement of external responsibility at the national and global levels of analysis. The implications of these findings for environmental policy and education in the countries of this region are also discussed.

Automated banking services rely on the so-called fintech technologies. These technologies, however, represent an opportunity to enhance financial inclusion indicators among low-income customers. This paper aims to develop a new conceptual framework to analyse low-income consumers’ disposition to use automated banking services. The work consists of an omnibus study conducted in eight major cities of Colombia. A survey aiming to measure the disposition to use automated banking services as a function of technology disposition provided by bank firms was developed and validated with a sample of 483 Colombian low-income residents. An exploratory analysis was applied, estimating items variance and co-variance matrices. Sampling adequacy and assumption evaluation were evaluated through the Kaiser-Meyer-Olkin test, Tau-equivalence test, and homogeneous items test. Robust parameters were estimated via Structural Equation Modelling following the standards of reproducible research. Statistical, robust, and significant relationships between technology disposition and use of automated banking services in low-income Colombian consumers were confirmed, suggesting the potential success of deploying these services as a means to boost financial inclusion in this segment. This study provides fresh conceptual insights on low-income customers’ disposition to adopt and use ever-changing technologies for the financial and banking sector. It is among the first empirical studies that provide empirical evidence that breaks the stereotype that low-income customers are reluctant to use new technologies in the financial sector.

Paradojas del comportamiento proambiental de los estudiantes universitarios en diferentes disciplinas académicas

Introduction: The aim of this study was to identify the variables that best predict measures of aggression, empathy, and forgiveness, as well as the main differences in vulnerable, hostile and safe contexts, in a sample of children and adolescents belonging to a vulnerable population. Method: A cross-sectional quantitative study was conducted with a non-probabilistic incidental sample of 85 participants. Psychometric measures of empathy, aggression, and forgiveness were used. The participants were invited to a victim assistance foundation for an interview and test application. Results: Statistically significant effects were found among the variables in the verified model, where empathy predicts aggression in the hostile context, but not in the vulnerable and safe context. In turn, empathy predicts forgiveness in the vulnerable and safe contexts, and aggression predicts forgiveness in the hostile model, but its effect in the vulnerable and safe context is not significant. Furthermore, empathy plays a key role in understanding forgiveness, given that it is associated with aggressive behaviors in the hostile contexts, whereas a forgiveness model should be differential in these contexts. Conclusions: The findings of this study provide empirical evidence that supports the importance of implementing strategies to improve empathy-related skills in children and adolescents, from the perspective of peace education and forgiveness. In addition, it was shown that aspects such as family climate, vulnerabilities of risk contexts and culture itself, can determine the development of socioemotional skills that favor forgiveness, empathy, and other interpersonal skills.

Dark tourism is roughly understood as travelling to places historically associated with death and tragedy. However, the determinants of such a specific type of tourism are not well explored. Therefore, this research aims to determine the possible relation between the intention variables, particularly perceived risk and the values of sensation-seeking and hedonism. For this purpose, an online questionnaire of eight subscales was applied to 821 participants, with ages corresponding to generations Y and Z. The results of a structural equation modelling revealed the existence of seven latent variables whose goodness-of-fit suggests that dark tourism is mainly related to the intention to visit and search for information on the Internet. This study is novel compared to previous research in that it suggests that the destination does not have a direct relation to the intention to share information on social media.

Customer’s trust in vendors’ reputation is a key factor that facilitates economic transactions in e-commerce platforms. Although the trust-sales relationship is assumed robust and consistent, its empirical evidence remains neglected for Latin American countries. This work aims to provide a data-driven comprehensive framework for extracting valuable knowledge from public data available in the leading Latin American e-commerce platform with commercial operations in 18 countries. Only Argentina, Brasil, Chile, Colombia, Ecuador, Mexico, Uruguay, and Venezuela showed the highest trust indexes among all nations analyzed. The trust-sales relationship was statistically inconsistent across nations but worked as the most important predictor of sales, followed by purchase intention and price.