Technological advancements in algorithmic personalization are widely believed to influence user behavior on online gambling platforms. This study explores how such developments, potentially including AI-driven mechanisms, may affect cognitive and motivational processes, especially in relation to risk perception, decision-making, and betting persistence. Using ordinary least squares (OLS) and panel regression models applied to behavioral data from a gambling platform, we examine patterns that are consistent with increased personalization between two distinct time periods, 2016 and 2021. The datasets do not contain any direct metadata regarding AI interventions. However, we interpret changes in user behavior over time as indicative of evolving personalization dynamics within a broader technological and contextual landscape. Accordingly, our conclusions about algorithmic personalization are inferential and exploratory, drawn from temporal comparisons between 2016 and 2021. Our findings show that users receiving personalized bonuses or making early cash-out decisions tend to adjust their stake sizes and betting frequency in systematic ways, which may reflect indirect effects of technological reinforcement strategies. These behavioral patterns raise important ethical and regulatory questions, particularly regarding user autonomy, algorithmic transparency, and the protection of at-risk users. This research contributes to the literature on digital behavior influencing gambling by framing the analysis as observational and quasi-experimental and suggests that further studies use experimental and log-level data to more specifically analyze the algorithmic effects. However, no causal claims can be made about AI influence as the temporal contradictions are interpreted as broad phenomena of technological developments, since they are not measured as algorithmic interventions. Further studies should also investigate the development of predictive models aimed at countering gambling addiction; evaluate the long-term ethical implications of algorithmic personalization; and discuss potential solutions codeveloped to foster a responsible gambling climate.

This study examines the impact of COVID-19 on the banking industry with a particular focus on digital payments and digital banking. These comparisons are made regarding digital transactions and the interest income of digital banks, based on a review of 87 countries over seven years (2017-2023). After the COVID-19 pandemic, both digital transactions and revenues from digital banking have experienced moderate growth. It suggests that banks and customers alike are gradually adapting to the new normal. However, we do note vast discrepancies from country to country. These findings are very pertinent for the future of banking in the face of the growing necessity for digital transformation. We performed a clustering analysis wherein countries were classified as emerging economies, modest-growth economies, and digital leaders. We tracked distinct patterns for their adoption rates of digital banking services. These findings make us realize that it is crucial to develop financial strategies tailored to each market’s economic and technological aspects. This study conducted statistical analyses comparing digital transactions and digital bank revenues before and after the pandemic, along with clustering analyses.

The rapid advancement of digital technologies has generated increased interest among researchers to investigate and evaluate the impact of these technologies on economic efficiency. The purpose of this study is to identify and analyze the influence of digital technologies on economic efficiency in the countries of Europe and the European Union (EU) over seven years (2016-2022), for which the necessary data was found. The fundamental question of the study is: which countries in the European Union and across the entire European continent exhibit a trend of increasing revenues from the ERP system market, and among these, where is an influence on GDP observed? A group of 42 countries was analyzed, consisting of 27 countries from the European Union and 15 non-member countries, and the period studied ranges from 2016 to 2022. The study reveals that, generally, in countries where revenues from the ERP market are on the rise, there is a positive trend in economic efficiency. The study's estimates suggest that the level of internet usage in a country and the workforce with an advanced level of education significantly influence GDP per capita at the level of the countries in the European Union and the entire European continent. The conclusions of our study are based on theoretical predictions and the relevant results of other studies. The research indicates that ERP systems, as part of digital technologies and other macroeconomic factors, play an important role in stimulating economic efficiency in the European Union member states and those outside the union.