Abstract
Fintech has revolutionized the financial sector, providing a new way of providing banking services. Since Fintech can provide the same services as traditional banks but entirely online, it is a competitor. As a result, consumers' relationships with banking have inevitably changed, and it is therefore relevant to analyze these changes. The main objective of this study is to understand people's perceptions of Fintech, their level of knowledge about it, and the impact of its emergence on traditional banking. The study sample consisted of 174 participants. A quantitative methodology was used to test the hypotheses formulated. The results show that participants who know about Fintech and perceive it as safe have a greater intention of changing banks. On the other hand, they perceive that supervision and regulation in traditional banks is higher than in Fintech. Among the reasons for becoming a Fintech customer, the most mentioned were lower costs and the fact that they provide greater convenience and ease of use. It will be in Fintech's interest to continue working with regulators so that the sector makes progress in this area and consumers can recognize greater equality between traditional banks and Fintech in the future.

Abstract
Objective: The present investigation aims to identify the explanatory factors for academic satisfaction, as well as the influence that the identified factors have on the degree of academic satisfaction in its global context and on the chances of the institution's recommendation to friends and family.   Method: The investigation was conducted with a sample of 290 students from the Federal Institute of Education, Science, and Technology of Piauí (FIEPI-Campus Oeiras). The instrument used for data collection was a questionnaire. The statistical techniques used were of a descriptive, exploratory, and multivariate nature for the treatment, analysis, and validation of the results.   Results and Discussion: The results indicate that Academic Satisfaction is determined by the factors (1) Teaching Environment and (2) Structural Environment and that there is a significant decrease in Academic Satisfaction when students move from the group from High School to Higher Education due to the determinants satisfaction.   Research Implications: The development of strategies for the maintenance and attraction of new students by FIEPI-Campus Oeiras and other educational institutions must be based on academic satisfaction considering their specificities, namely, concerning the different perceptions and expectations generated by students about educational services.   Originality/Value: The relevance of this investigation is based on the fact that the measurement of student satisfaction by a given educational institution becomes essential for it to understand the perception of its students about its products and services, enabling the identification of new ways of generating satisfaction and loyalty.

Abstract
The pandemic marked the beginning of a succession of events on a global scale (not the least of which is a greater concern for the environment and for quality of life/distance work) with a major impact on the economy. Innovation plays a key role in meeting the challenges of the future, but despite investment in innovation, global economic growth has fallen short of the expected performance. The aim of this study is to identify the factors with the greatest impact on the performance of innovation ecosystems based on the performance of the innovation ecosystems of 64 countries assessed by the Global Innovation Index 2022. The methodology consists of multiple hierarchical linear regressions, in which the impact factors on innovation ecosystems, measured through indicators, are the independent variables and innovation performance, in knowledge and technology and in creativity, are the dependent variables in an iterative process, using STATA/MP 18.0 data analysis software. The results indicate that human capital and research (the basis of business and innovative products aimed at filling gaps in the market are people with a good higher education, which is also linked to local university rankings) and business sophistication (highly qualified work, leveraging strategic partnerships, and with knowledge absorption capacity) are the main pillars determining innovation performance at a global level. Education (an educated workforce is of growing importance in the knowledge era), R&D investment (including support from the state in the form of tax incentives for whoever invests in R&D), innovation partnerships (for a faster, more open innovation effort), ecological sustainability (a new reinforced priority after COVID-19) and knowledge absorption (to absorb one must first detain valuable knowledge in the area) are the variables with the greatest impact on innovation performance. The work provides guidance on which areas should be prioritized in the development of policies and strategies to accelerate innovation in countries. The study is limited by the time frame and reveals, by comparison with pre-pandemic studies, that the determinants of innovation can be dynamic, varying according to the countries and, consequently, the global context of the analysis.

Abstract
The NEXUS project involves innovation and entrepreneurship. The first task of the project team, which is eclectic and includes several different profiles (research assistants, researchers, managers, engineers, designers and marketing specialists) was to do a stakeholder analysis, which involved doing some field work – six unstructured interviews – as well as some secondary data analysis (scientific articles on the Scopus database; Google searches; among others). The main concerns were to: unlock value through stakeholder engagement; move from concept to collaboration – for sustainable port development; and to connect ports worldwide which will involve international stakeholder collaboration and synergies for sustainable innovation. A Stakeholder analysis is a process consisting of identifying the individuals or groups that have a specific interest in a project, which can affect them, or be affected by them, including large groups such as customers and suppliers; employees; shareholders and investors. It is necessary to sort them according to their impact and consequences regarding the project. It is essential to manage stakeholder expectations when making decisions, especially in a project with thirty-five partners and with a global reach. The initial funding is around 92 million euros (approved by the Recovery and Resilience Plan (RRP)), to ensure the ambitious implementation of the new NEXUS platform and other related products. To minimize backlash, early as well as ongoing stakeholder involvement is a prerequisite. Strategy formulation should not occur in an “ivory tower” and involvement is key. For effective and efficient decision-making, to minimize risks, which need to be identified as well as all the connections and relationships to be created and nurtured. The research question at the outset was: How may we successfully implement a multi-partner project which involves considerable investment, and which aims to digitalize maritime ports worldwide? The theme is, currently, without precedent as the impact intended is for there to be a positive impact on all stakeholders involved – a win-win situation all around. The project will finish in 31-12-2025 and will produce 28 innovative solutions for commercialization. NEXUS is a green and digital project which is up to date as regards the latest sustainability norms and regarding overall operational efficiency in multimodal logistics. Work Package 10 is a specific exploitation, internationalization, promotion, and dissemination package.

Abstract
This cross-sectional study addresses Portuguese online shoppers' behavior toward Chinese online retailers, assessing the impact of financial, product, and time-convenience risks and demographic traits on their willingness to buy from those e-stores. The research relies on a survey of 1,432 participants who have shopped online at least once. Approximately half of the sample already buys from Chinese websites; age, financial, and time-convenience risks explain 21.5% of the variance of their purchase intention. On the other hand, participants who buy on Chinese websites present significantly lower values of all risks and the intention to buy from Chinese websites, possibly reflecting a satisfactory transaction experience. Furthermore, a generation gap is evident as younger people feel more confident in dealing intuitively with and solving online issues, giving them the confidence necessary to purchase online from Chinese e-stores - perhaps geographically and ideologically distant - but brought closer by e-expertise (online dexterity).

Abstract
Este volume pretende abarcar algumas das evoluções atuais e devido à transformação digital. O mundo está em constante mutação e devido à verdadeira revolução e transformação digital esta mudança tem ocorrido a passos muito rápidos e de forma imprevisível – o que faz com que seja difícil fazer previsões a cinco anos e sobre como estarão certas indústrias afetadas pela tecnologia, no futuro. As redes sociais online modificaram a forma como nos expomos e apresentamos. Os smartphones tornaram tudo mais móvel – temos grandes computadores, muito potentes, no nosso bolso e connosco todos os dias. O negócio das apps e do software mudou de paradigma – o que conta são os seguidores e muito do software agora é grátis. Vejamos o caso do Facebook, do Instagram, e até do WhatsApp – plataformas grátis. Querem é utilizar os utentes como receptáculos de publicidade e para fins comerciais que outrora eram muito diferentes e até impensáveis. Em tal ambiente a pressão sobre os gestores e os agentes na sociedade, com poder de decisão, está em níveis nunca antes vistos. Por um lado, são exigidas empresas competitivas e que façam uso da tecnologia, tecnologia que muitas das vezes é nova e tem custos assim como perigos. A privacidade da informação, quer de adultos, quer de crianças, é fundamental. Nunca antes os nossos jovens tiveram acesso a tanta informação e de forma praticamente grátis. A Internet mudou radicalmente como acedemos à informação e ao conhecimento e os pais deixaram de ser a resposta para tudo e para todas as questões dos seus filhos – tendo sido substituídos, em muitos casos, por motores de busca como o Google, e outros (dependendo também da geografia do consumidor, sendo a China uma região grande e preponderante, mas que tem regras e instituições muito próprias). Também na sala de aula os educadores, em especial no ensino superior, se deparam com esta nova realidade em que, se fazem perguntas às quais o Google tem resposta, terão dificuldade em assegurar salas cheias de alunos. Os alunos querem adquirir conhecimento tácito sobre o qual o Google não informa. Este é somente um exemplo dos desafios que a tecnologia coloca. Fica também o desafio ao leitor para nos ajudar a cocriar um futuro cada vez mais igual e não cada vez mais desigual. Mandem-nos, por favor, as vossas sugestões sobre como acompanhar a revolução no meio da qual vivemos hoje em dia. Por último, gostaríamos de agradecer encarecidamente aos autores dos diversos capítulos do livro, pela sua dedicação aos temas, pela sua originalidade, e pela sua paciência e cooperação na revisão dos materiais submetidos.