Introduction: Scope and Overview -- Value Realization from the Perspective of Customers and Users -- Value Creation through Technological Innovation -- Theory for Understanding the Value Realization -- Smart media era: transformation in the age of Internet communication -- The metaverse era:...

International Financial Corporation (IFC) and the World Bank have in recent years promoted the implementation of credit bureaus as a way of improving access to finance for both individuals and businesses. In 2003, no such structure existed for consumer credit information in China. Not only was...

Popular sentiment toward immigration is often antagonistic, making the integration of migrants one of the most important yet daunting challenges facing societies in advanced economies. Can information campaigns decrease public opposition to immigration? This paper reports results from a...