Abstract
Fintech has been one of the biggest agents of change in the financial sector worldwide, deserving an in-depth analysis as the aim of this study (including factors leading to its adoption, consequences, etc.). During the COVID-19 pandemic, the financial area and Fintech services allied to technology has increased efficiency, convenience, and security. To better understand this type of service, the research follows a quantitative methodology. The quantitative method included a questionnaire survey of companies that are Fintech customers, totaling 49 valid responses from firms (collected over a three-month period and which involved sending over a thousand emails to numerous companies). The response rate was low due to both the pandemic and the conjuncture with major war, which are generating uncertainty in business. The analysis was based on descriptive statistics, an assessment of the metric qualities of the scales, reliability and an Exploratory Factor Analysis, Pearson correlations and Hypothesis testing. The positive and significant effect of the technological context (perceived convenience, usefulness and effectiveness and perceived safety and trust) and the organizational context (ecological footprint reduction and internal cost reduction) on Fintech service adoption intention was confirmed. Hypothesis Three was partially confirmed since only consumer trends and reputation perception have a positive and significant effect on the intention to adopt Fintech by SMEs. The moderating effect of the environmental context in the relationship between the technological context and the intention to adopt Fintech by SMEs was partially proven, but the same was not verified in the relationship between the organizational context and the intention to adopt Fintech by SMEs. Portugal seems to be on the same adoption path as the rest of the western world, and Fintech services will undoubtedly increase, in a kind of revolution in which the strongest and those able to adapt to the markets and their needs will survive.

Abstract
Technology transfer offices (TTO) were created with the mission of executing innovation policy and its technology transfer to industry. Most studies regarding TTO focus on the context of developed countries, so there is a lack of research on the subject in emerging economies, such as Brazil. In addition, the issue of how diverse the skills of the team of a given TTO should be for their best revenue performance is still little addressed. In this sense, the present study aims to identify which characteristics of the TTO, related to their human resources, influence obtaining revenue from the patents that constitute their portfolios. To achieve this objective, 272 TTO in Brazil were analysed with the help of the Logistic Regression technique, based on Maximum Likelihood Estimation. A remarkable conclusion that emerges from our results is that the universities to increase their revenue must invest in full-time employees (e.g., rather than in scholarship students, as tends to be the norm) and foster the inventions' communications, as well as to attract and retain employees with skills directly related to knowledge fields such as Law, Engineering, and Communication (quite surprisingly, Management and Economics graduates are not included). The combination of these factors can increase the probabilities or odds of a given TTO obtaining revenue. Thus, our results contribute to TTO human resource practices, especially those in structuring stages, such as those in Brazil and Latin American countries.

Abstract
This study extends the theory of planned behavior model and examines the humane factors (altruism, environmental knowledge, personal appearance concerns, attitude, perceived behavioral control, and subjective norms) that shape attitudes and buyer behavior toward cruelty-free cosmetics and the consumer characteristics that reflect their behavior toward such products. Recent global occurrences have affected human behavioral patterns, namely, the COVID-19 pandemic, which we aim to study. Has behavior changed to become more ethical? A survey was carried out involving a sample of 425 Portuguese participants (a feminine culture), following a convenience- and snowball-sampling procedure. Significant correlations were found between environmental knowledge, subjective norms, and buyer behavior toward cruelty-free cosmetics with attitude and environmental knowledge and buyer behavior. Through structural equation modeling to evaluate the conceptual model, a good model fit was found, being that standardized values in the model are significant except for regressions from perceived behavior control and personal appearance concerns to buyer behavior toward cruelty-free cosmetics. Women present higher values than men on attitude, altruism, environmental knowledge, and buyer behavior, in line with what is expected in a traditional and conservative feminine culture such as that to be found in Portugal. Such a result points to the need to promote increased gender equality, for example, in senior leadership roles, as women are seen to have the desirable qualities required for a more sustainable, cruelty-free, and humane society. This is an alert for human-resource managers in the region.

Abstract
Fashion influencers are a new phenomenon and profession to which many young individuals may currently aspire; such is its impact in the digital and online world. Hence, the article serves an upcoming group of fashion-influencers-to-be, as well as firms that seek the help of such professionals. This study aimed to test the mediating role of the attitude toward influencers in the relation between, on the one hand, perceived credibility, trustworthiness, perceived expertise, likeability, similarity, familiarity, and attractiveness, and, on the other hand, purchase intention. Path analysis was used to test a conceptual model in which attitude toward influencers mediates the relation between perceived credibility, trustworthiness, perceived expertise, likeability, similarity, familiarity, attractiveness, and purchase intention. Among the seven components, the association between perceived credibility, trustworthiness, perceived expertise, similarity, and familiarity, on the one hand, and purchase intention, on the other, was completely and significantly mediated through attitudes toward influencers. It was found that the attitude toward the influencer determines the purchase intent; this attitude is, in turn, conditioned by the competence, the resemblance, and the proximity that the consumer perceives in the influencer. Thus, to lead the consumer to buy a certain product, influencers must pay attention to perceived credibility, trustworthiness, perceived expertise, similarity, and familiarity with the product (or service).

Abstract
Based on many years of experience as a management consultant in different industries and corporate structures and cultures, the motivation to use digital transformation in connection with variable corporate goals-such as fluctuating workloads, agile response to customer inquiries, and ecological and economic sustainability-results in a process or a product to be developed that intelligently adapts to market requirements and requires forward-looking leadership. Using an AI-based methodical analysis and synthesis approach, the high consumption of economic and human resources is to be continuously monitored and optimization measures initiated at an early stage. The necessary information technology with its infrastructure and architecture is the starting point to accompany the agility and changeability of corporate goals. Researching the relevant documents begins with writing the panorama or the state of knowledge on the topic. This article is about the IT infrastructure based on the requirements for an architecture and behavior that a versatile, agile company needs to accompany the constantly changing framework conditions of the market. The technology used and the available resources, including the human resources, need to be adapted as early as possible. Data now represent the most valuable asset on Earth and future industrial manufacturing systems must maximize the opportunity of data usage. Low-level data must be transformed to make them useful in supporting intelligent decision-making, for example. Furthermore, future manufacturing systems must be highly productive, adaptable, absent of error, and kind to the environment and to local communities. The all-important design should minimize the waste of material, capital, energy, and media. Herein, we discuss the fulfilling of agile customer requirements involving adaptable and modulated production processes (related to the 'agile manufacturing' and 'digital transformation' perspectives).

Abstract
Comparing companies solely based on tax incentives for R&D activities can be misleading. Hence, this research aims to assess how Portuguese companies that make use of tax incentives for R&D activities on an ongoing basis behave in terms of promoting and appropriating value through innovation. From an initial population of 3,156 companies, a final database with 339 Portuguese companies that made use of fiscal credits from 2013 to 2016 was analyzed. The tax incentive program targeted was the Fiscal Incentive System supporting R&D in Enterprises (SIFIDE). Using the analysis of variance (one-way ANOVA), the main results suggest that, considering the internal resources, there are no statistically significant differences between the promotion and appropriation of value through innovation according to the size and age of companies. The data indicate that good management regarding the generation and implementation of innovations may occur independently of size and age of firms, in the Portuguese case. Albeit the averages of the indicators of value appropriation of the intangible (e.g. patents, trademarks, and new processes), and the efficiencies of assets and liabilities for the promotion of the intangible are different according to the level of technological intensity. These results point to the need to reevaluate the tax incentives for R&D activities, since its generic nature may not meet the different innovation needs arising from the distinctive characteristics of these enterprises and their technological dynamics. Implications and future research directions are provided.