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Systematization of Household Financial Behavior Based on Hierarchical-Faceted Synthesis
Item type: Journal Article
Mayorova, Tetiana; Tymoshenko, Iryna; Ohorodnyk, Vira; et al. (2026)
The article is devoted to the systematization of household financial behavior. Its novelty lies in the construction of a structured framework based on interdisciplinary and systemic approaches, combining faceted and hierarchical classification methods. The household financial behaviour system is presented as a hierarchy of models, strategies, focuses, types, patterns, and triggers, each of which can be considered an independently classified facet. The financial behavior model (consumer, charitable, entrepreneurial, savings-oriented, investment, credit and borrowing, and insurance) occupies the top level of the hierarchy as the dominant framework guiding household actions and cash flow management. It is shaped by principles, values, interests, attitudes, and perceptions of desired outcomes and means to achieve them, which determine financial decision-making and the formation of behavior strategies.
The proposed hierarchy illustrates how individual elements of financial behaviour can be further classified, enabling the identification of strategy groups, including financial planning and future provision; current financial management; development of financial potential; financial risk and liability management; capital accumulation and growth; and alternative and special strategies. Implementing these strategies requires households to define a behavioural focus that may be rational, irrational, reactive, or deviant. Particular attention is given to household financial behaviour patterns, defined as recurring, observable sets of actions, decisions, and habits that manifest over time. For the first time, the concept of a financial behaviour trigger is introduced as a stimulus (an event, condition, or phenomenon) that initiates a behavioural pattern, and is classified into physiological, psycho-emotional, cognitive, and informational categories. Overall, the household financial behavior system is defined as a holistic, hierarchically structured framework integrating models, strategies, focuses, types, patterns, and triggers, interconnected through household members’ value orientations, interests, and perceptions, and aimed at managing cash flows, assets, and financial risks to achieve socio-economic objectives.
Стаття присвячена систематизації фінансової поведінки домогосподарств. Новизна дослідження полягає в побудові структури фінансової поведінки на основі міждисциплінарного та системного підходів із синтезом фасетних і ієрархічних методів класифікації. Система фінансової поведінки домогосподарств представлена як ієрархія моделей, стратегій, фокусів, типів, патернів і тригерів, кожен з яких може розглядатися як окрема фасета. На верхньому рівні ієрархії розташована модель фінансової поведінки (споживацька, доброчинна, підприємницька, накопичувальна, інвестиційна, кредитно-позикова та страхова), яка формує домінуючий фреймворк дій домогосподарства та його учасників у процесі управління грошовими потоками. Вона визначається принципами, цінностями, інтересами, ставленням та сприйняттям бажаних результатів і шляхів їх досягнення, що визначають ухвалення фінансових рішень і формування стратегії поведінки. Запропонована ієрархія дозволяє деталізувати окремі елементи фінансової поведінки, що дає змогу виділити групи стратегій: управління поточними фінансами, накопичення та примноження капіталу, інвестиційні стратегії, управління фінансовими ризиками та зобов’язаннями, розвиток фінансового потенціалу, а також альтернативні та особливі стратегії. Реалізація стратегії передбачає визначення фокусу фінансової поведінки, який може набувати одного з чотирьох типів: раціонального, ірраціонального, реактивного або девіантного. Окрему увагу приділено патернам фінансової поведінки — повторюваним і спостережуваним сукупностям дій, рішень і звичок, що проявляються під час управління грошовими потоками протягом тривалого часу. Вперше запропоновано поняття тригера фінансової поведінки як спонукального сигналу (події, стану або явища), що запускає певний патерн, класифікований як фізіологічний, психоемоційний, когнітивний або інформаційний. Система фінансової поведінки домогосподарств визначена як цілісне, ієрархічно структуроване утворення, що інтегрує моделі, стратегії, фокуси, типи, патерни та тригери фінансових дій і рішень, взаємопов’язаних через ціннісні орієнтири, інтереси та уявлення учасників домогосподарства та спрямованих на управління грошовими потоками, активами й фінансовими ризиками для досягнення соціально-економічних цілей.
AI-assisted teams outperform AI-led teams but not human-only teams in assessing research reproducibility in quantitative social science
Item type: Journal Article
Brodeur, Abel; Valenta, David; Marcoci, Alexandru; et al. (2026)
Large Language Models (LLMs) such as ChatGPT are transforming how scientists conduct and validate research, offering promise as tools to improve scientific reproducibility. However, computational reproducibility and error detection remain expensive and labor-intensive. We experimentally test how collaboration between researchers and LLM assistants influences the reproduction of quantitative social science findings across different levels of AI autonomy. We randomly assigned 288 researchers to 103 teams working under three conditions: human-only, AI-assisted (using ChatGPT as a collaborative tool), or AI-led (ChatGPT operating with minimal human oversight). Teams reproduced published results from leading social science journals, detected coding errors, and proposed robustness checks. Human-only and AI-assisted teams achieved comparable reproduction rates (94% vs. 91%) and performed similarly on most outcomes, except human-only teams identified significantly more major coding errors. Both substantially outperformed AI-led teams, which achieved only a 37% reproduction rate, detected fewer errors across all categories, proposed weaker robustness checks, and required more time. This autonomous approach, however, likely represents only a lower bound of AI capabilities. Despite rapid model advances, expert human judgment currently remains indispensable for reliable empirical verification. While AI assistance did not degrade most outcomes, it provided no measurable advantages and was associated with reduced detection of major errors. However, the 37% autonomous reproduction rate indicates that AI could provide value in settings where scale or cost constraints preclude human review of papers, even though general-purpose LLMs offer no immediate advantages for human-supervised verification.
Adam cried bitterly: Ecotheology in the lives of urban Malawians
Item type: Journal Article
Tilley, Elizabeth; Bertrand, Blair D.; Kalina, Marc; et al. (2026)
This article explores how urban Malawians construct moral and theological meaning of waste and how these constructions shape environmental practices, in densely populated areas of Blantyre. Challenging the assumption that environmental behaviour can be improved primarily through education, the study argues that moral action is grounded in contextual ‘immanent logics’ shaped by lived experience, social realities and religious belief. Drawing on interdisciplinary collaboration between theologians and environmental researchers, the project builds on earlier social-scientific studies of the problematisation of waste. It incorporates a second round of interviews to probe theological interpretations. Findings show that Christian frameworks play a significant role in shaping respondents’ understanding of waste, human responsibility and environmental order. Most participants interpret waste not as part of God’s original creation but because of human sin and misuse of otherwise good materials, often framed through narratives related to Genesis. Contrary to expectations, charismatic motifs such as spiritual warfare or divine healing were absent. Instead, respondents’ reasoning more closely reflected a wisdom-theology framework emphasising divine order, human responsibility and the moral contrast between peace and chaos. Eschatological beliefs, including anticipation of Christ’s return, were present but integrated into this broader moral logic rather than producing environmental disengagement.
Intradisciplinary and/or interdisciplinary implications: The article concludes that environmental interventions in similar contexts are more likely to succeed when they engage existing theological narratives rather than relying solely on technical education. Framing ecological practices as participation in God’s created order and wisdom may resonate more deeply with local moral reasoning and encourage sustainable behavioural change.
Epstein zeta method for many-body lattice sums
Item type: Journal Article
Buchheit, Andreas A.; Busse, Jonathan K. (2026)
Many-body interactions arise naturally in the perturbative treatment of classical and quantum many-body systems and play a crucial role in the description of condensed matter systems. In the case of three-body interactions, the Axilrod–Teller–Muto (ATM) potential is highly relevant for the quantitative prediction of material properties. This work solves the long-standing issue of the numerical computation of the resulting energies in d-dimensional lattice systems. We present an efficiently computable representation of many-body lattice sums in terms of singular integrals over products of Epstein zeta functions. For three-body interactions in three dimensions, this approach reduces the runtime for computing the ATM lattice sum from weeks to minutes. Our approach further extends to a broad class of n-body lattice sums. We demonstrate that the computational cost of our method only increases linearly with n, evading the exponential increase in complexity of direct summation. We discuss techniques for numerically computing the arising singular integrals and compare the accuracy of our results against computable special cases and against direct summation in low dimensions, achieving full precision for exponents greater than the system dimension. Finally, we apply our method to study the stability of a three-dimensional lattice system with Lennard–Jones two-body interactions under the inclusion of an ATM three-body term at finite pressure, finding a transition from the face-centered-cubic to the body-centered-cubic lattice structure with increasing ATM coupling strength. This work establishes both the numerical and analytical foundation for an ongoing investigation into the influence of many-body interactions on the stability of matter.
Enhancing building product inventory automation through a hybrid spatial-semantic modeling framework
Item type: Review Article
Shuting Mi; Xiaofei Wu; Shunchang Liu; et al. (2026)