Dilemmas with brand management in clusters by Barbara Szymoniuk

“…A basic problem is encountered already on the stage of making the decision concerning the name of the cluster’s market brand. The majority of clusters in Poland, created as a result of implementing European Union’s projects, have long and complicated names, which are at times difficult to memorise. …”
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CHALLENGES IN THE MARKETING AND BRANDING OF CLUSTERS by Marita Koszarek

“…Clusters have proved to be powerful engines of economic development in the European Union. Clusters and their stakeholders can derive many benefits from a strong cluster brand. …”
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National Gastronomy and Gastronomic Tourism of Montenegro on its Way to the European Union by Vujačić Vesna, Kukanja Marko, Janinović Jovana

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The Influence of Healthy Lifestyle on Willingness to Consume Healthy Food Brands: A Perceived Value Perspective by Elizabeth Emperatriz García-Salirrosas, Jorge Alberto Esponda-Perez, Dany Yudet Millones-Liza, Karla Liliana Haro-Zea, Luiggi Agustin Moreno-Barrera, Ghenkis Amilcar Ezcurra-Zavaleta, Luis Alberto Rivera-Echegaray, Manuel Escobar-Farfan

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ANIMALS IN ADVERTISING (LITERATURE REVIEW) by Yuliya V. Massalskaya, Anastasiya V. Nikolaeva

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75 YEARS OF MEPHI’S HISTORY: CONTINUITY OF EDUCATIONAL INNOVATIONS by I. E. Zadorozhnyuk

“…Strikhanov) published in the series “Science in the Soviet Union: Through the difficulties to the stars” is devoted to the first 50 years of the history of MEPhI. …”
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A Better Model for Socio-economic Governance? by Bryn Jones, Peter Nisbet

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Public Diplomacy in Slovakia: Past and Present by A. N. Marchukov

“…During the second stage (from 2005 to the present day) a national branding, aimed at promoting a positive image of the country has come to play (along with cultural diplomacy) one of the key roles within the Slovak public diplomacy. …”
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Possibilities and scope of environmental protection through criminal law: The new environmental crime directive by Stojanović Zoran, Bodrožić Ivana

“…The changes in the area that defines new environmental crimes at the European Union level, minimum common standards in prescribing criminal sanctions, and enhancing the existing ones, as well as setting brand new tools and mechanisms in strengthening and enhancing the effectiveness of the law enforcement cooperation in the field of environmental crimes have been brought about by the new Environmental Crime Directive aimed to crack down on environmental crime, and they can be seen and marked as an important contribution to criminal law protection of the environment, but only seen as the ultimate instrument of the state reaction to environmental crimes. …”
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Global reporting on TB in children and adolescents: how far have we come and what remains to be done? by S. Verkuijl, M. Bastard, A. Brands, K. Viney, T. Masini, F. Mavhunga, K. Floyd, T. Kasaeva

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Trans fatty acids and saturated fatty acids in margarines and spreads in Kazakhstan: Study period 2015–2021 by Kainaubek Toshtay, Ali Auyezov, Seitkhan Azat, Rosa Busquets

“…Fatty acid composition, and importantly TFA levels, were determined in 6 brands of margarines and 5 brands of spreads used in the food industry and by consumers directly in 2015–2017, and in 23 brands of margarines and 23 brands of spreads from 2018 to 2021. …”
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Local Culture as a Resource in Regional Development in the Southwest-Finland Archipelago by Katriina Siivonen

“…In cultural and regional politics in the European Union, and in practice for instance in the Southwest-Finland Archipelago, local culture and cultural heritage are considered resources. …”
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ABC for Father and Mother and Me. Representations of children as consumers in the picturebook of the interwar period by Elina Druker

“…This article examines how the child consumer is represented in a selection of branded picturebooks at the beginning of the 20th century. …”
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Digging up Old Stories: How the Soviet Myths of Allied Intervention into the Russian North in 1918–1919 are used in the Context of Russia’s War in Ukraine. The Case of Mudyug Conce... by Natalia Golysheva

“…Following the collapse of the Soviet Union this museum was branded as propaganda and eventually got decommissioned. …”
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Alexandria’s Paradiplomacy: Leveraging Cultural Heritage and Economic Strategies for Mediterranean Leadership by Yusuf Idrus Malik, Kwei Haliday Nyingchia

“…The findings indicate that Alexandria successfully integrated cultural diplomacy—exemplified by heritage preservation, city branding, and membership in organizations such as the Union for the Mediterranean—with targeted economic strategies to attract foreign investment and expand port infrastructure. …”
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Population of Merging Compact Binaries Inferred Using Gravitational Waves through GWTC-3 by R. Abbott, T. D. Abbott, F. Acernese, K. Ackley, C. Adams, N. Adhikari, R. X. Adhikari, V. B. Adya, C. Affeldt, D. Agarwal, M. Agathos, K. Agatsuma, N. Aggarwal, O. D. Aguiar, L. Aiello, A. Ain, P. Ajith, T. Akutsu, P. F. de Alarcón, S. Akcay, S. Albanesi, A. Allocca, P. A. Altin, A. Amato, C. Anand, S. Anand, A. Ananyeva, S. B. Anderson, W. G. Anderson, M. Ando, T. Andrade, N. Andres, T. Andrić, S. V. Angelova, S. Ansoldi, J. M. Antelis, S. Antier, F. Antonini, S. Appert, Koji Arai, Koya Arai, Y. Arai, S. Araki, A. Araya, M. C. Araya, J. S. Areeda, M. Arène, N. Aritomi, N. Arnaud, M. Arogeti, S. M. Aronson, K. G. Arun, H. Asada, Y. Asali, G. Ashton, Y. Aso, M. Assiduo, S. M. Aston, P. Astone, F. Aubin, C. Austin, S. Babak, F. Badaracco, M. K. M. Bader, C. Badger, S. Bae, Y. Bae, A. M. Baer, S. Bagnasco, Y. Bai, L. Baiotti, J. Baird, R. Bajpai, M. Ball, G. Ballardin, S. W. Ballmer, A. Balsamo, G. Baltus, S. Banagiri, D. Bankar, J. C. Barayoga, C. Barbieri, B. C. Barish, D. Barker, P. Barneo, F. Barone, B. Barr, L. Barsotti, M. Barsuglia, D. Barta, J. Bartlett, M. A. Barton, I. Bartos, R. Bassiri, A. Basti, M. Bawaj, J. C. Bayley, A. C. Baylor, M. Bazzan, B. Bécsy, V. M. Bedakihale, M. Bejger, I. Belahcene, V. Benedetto, D. Beniwal, T. F. Bennett, J. D. Bentley, M. BenYaala, F. Bergamin, B. K. Berger, S. Bernuzzi, C. P. L. Berry, D. Bersanetti, A. Bertolini, J. Betzwieser, D. Beveridge, R. Bhandare, U. Bhardwaj, D. Bhattacharjee, S. Bhaumik, I. A. Bilenko, G. Billingsley, S. Bini, I. A. Birney, O. Birnholtz, S. Biscans, M. Bischi, S. Biscoveanu, A. Bisht, B. Biswas, M. Bitossi, M.-A. Bizouard, J. K. Blackburn, C. D. Blair, D. G. Blair, R. M. Blair, F. Bobba, N. Bode, M. Boer, G. Bogaert, M. Boldrini, L. D. Bonavena, F. Bondu, E. Bonilla, R. Bonnand, P. Booker, B. A. Boom, R. Bork, V. Boschi, N. Bose, S. Bose, V. Bossilkov, V. Boudart, Y. Bouffanais, A. Bozzi, C. Bradaschia, P. R. Brady, A. Bramley, A. Branch, M. Branchesi, J. Brandt, J. E. Brau, M. Breschi, T. Briant, J. H. Briggs, A. Brillet, M. Brinkmann, P. Brockill, A. F. Brooks, J. Brooks, D. D. Brown, S. Brunett, G. Bruno, R. Bruntz, J. Bryant, T. Bulik, H. J. Bulten, A. Buonanno, R. Buscicchio, D. Buskulic, C. Buy, R. L. Byer, L. Cadonati, G. Cagnoli, C. Cahillane, J. Calderón Bustillo, J. D. Callaghan, T. A. Callister, E. Calloni, J. Cameron, J. B. Camp, M. Canepa, S. Canevarolo, M. Cannavacciuolo, K. C. Cannon, H. Cao, Z. Cao, E. Capocasa, E. Capote, G. Carapella, F. Carbognani, J. B. Carlin, M. F. Carney, M. Carpinelli, G. Carrillo, G. Carullo, T. L. Carver, J. Casanueva Diaz, C. Casentini, G. Castaldi, S. Caudill, M. Cavaglià, F. Cavalier, R. Cavalieri, M. Ceasar, G. Cella, P. Cerdá-Durán, E. Cesarini, W. Chaibi, K. Chakravarti, S. Chalathadka Subrahmanya, E. Champion, C.-H. Chan, C. Chan, C. L. Chan, K. Chan, M. Chan, K. Chandra, P. Chanial, S. Chao, C. E. A. Chapman-Bird, P. Charlton, E. A. Chase, E. Chassande-Mottin, C. Chatterjee, Debarati Chatterjee, Deep Chatterjee, M. Chaturvedi, S. Chaty, K. Chatziioannou, C. Chen, H. Y. Chen, J. Chen, K. Chen, X. Chen, Y.-B. Chen, Y.-R. Chen, Z. Chen, H. Cheng, C. K. Cheong, H. Y. Cheung, H. Y. Chia, F. Chiadini, C-Y. Chiang, G. Chiarini, R. Chierici, A. Chincarini, M. L. Chiofalo, A. Chiummo, G. Cho, H. S. Cho, R. K. Choudhary, S. Choudhary, N. Christensen, H. Chu, Q. Chu, Y-K. Chu, S. Chua, K. W. Chung, G. Ciani, P. Ciecielag, M. Cieślar, M. Cifaldi, A. A. Ciobanu, R. Ciolfi, F. Cipriano, A. Cirone, F. Clara, E. N. Clark, J. A. Clark, L. Clarke, P. Clearwater, S. Clesse, F. Cleva, E. Coccia, E. Codazzo, P.-F. Cohadon, D. E. Cohen, L. Cohen, M. Colleoni, C. G. Collette, A. Colombo, M. Colpi, C. M. Compton, M. Constancio, Jr., L. Conti, S. J. Cooper, P. Corban, T. R. Corbitt, I. Cordero-Carrión, S. Corezzi, K. R. Corley, N. Cornish, D. Corre, A. Corsi, S. Cortese, C. A. Costa, R. Cotesta, M. W. Coughlin, J.-P. Coulon, S. T. Countryman, B. Cousins, P. Couvares, D. M. Coward, M. J. Cowart, D. C. Coyne, R. Coyne, J. D. E. Creighton, T. D. Creighton, A. W. Criswell, M. Croquette, S. G. Crowder, J. R. Cudell, T. J. Cullen, A. Cumming, R. Cummings, L. Cunningham, E. Cuoco, M. Curyło, P. Dabadie, T. Dal Canton, S. Dall’Osso, G. Dálya, A. Dana, L. M. DaneshgaranBajastani, B. D’Angelo, B. Danila, S. Danilishin, S. D’Antonio, K. Danzmann, C. Darsow-Fromm, A. Dasgupta, L. E. H. Datrier, S. Datta, V. Dattilo, I. Dave, M. Davier, G. S. Davies, D. Davis, M. C. Davis, E. J. Daw, R. Dean, D. DeBra, M. Deenadayalan, J. Degallaix, M. De Laurentis, S. Deléglise, V. Del Favero, F. De Lillo, N. De Lillo, W. Del Pozzo, L. M. DeMarchi, F. De Matteis, V. D’Emilio, N. Demos, T. Dent, A. Depasse, R. De Pietri, R. De Rosa, C. De Rossi, R. DeSalvo, R. De Simone, S. Dhurandhar, M. C. Díaz, M. Diaz-Ortiz, Jr., N. A. Didio, T. Dietrich, L. Di Fiore, C. Di Fronzo, C. Di Giorgio, F. Di Giovanni, M. Di Giovanni, T. Di Girolamo, A. Di Lieto, B. Ding, S. Di Pace, I. Di Palma, F. Di Renzo, A. K. Divakarla, A. Dmitriev, Z. Doctor, L. D’Onofrio, F. Donovan, K. L. Dooley, S. Doravari, I. Dorrington, M. Drago, J. C. Driggers, Y. Drori, J.-G. Ducoin, P. Dupej, O. Durante, D. D’Urso, P.-A. Duverne, S. E. Dwyer, C. Eassa, P. J. Easter, M. Ebersold, T. Eckhardt, G. Eddolls, B. Edelman, T. B. Edo, O. Edy, A. Effler, S. Eguchi, J. Eichholz, S. S. Eikenberry, M. Eisenmann, R. A. Eisenstein, A. Ejlli, E. Engelby, Y. Enomoto, L. Errico, R. C. Essick, H. Estellés, D. Estevez, Z. Etienne, T. Etzel, M. Evans, T. M. Evans, B. E. Ewing, V. Fafone, H. Fair, S. Fairhurst, A. M. Farah, S. Farinon, B. Farr, W. M. Farr, N. W. Farrow, E. J. Fauchon-Jones, G. Favaro, M. Favata, M. Fays, M. Fazio, J. Feicht, M. M. Fejer, E. Fenyvesi, D. L. Ferguson, A. Fernandez-Galiana, I. Ferrante, T. A. Ferreira, F. Fidecaro, P. Figura, I. Fiori, M. Fishbach, R. P. Fisher, R. Fittipaldi, V. Fiumara, R. Flaminio, E. Floden, H. Fong, J. A. Font, B. Fornal, P. W. F. Forsyth, A. Franke, S. Frasca, F. Frasconi, C. Frederick, J. P. Freed, Z. Frei, A. Freise, R. Frey, P. Fritschel, V. V. Frolov, G. G. Fronzé, Y. Fujii, Y. Fujikawa, M. Fukunaga, M. Fukushima, P. Fulda, M. Fyffe, H. A. Gabbard, B. U. Gadre, J. R. Gair, J. Gais, S. Galaudage, R. Gamba, D. Ganapathy, A. Ganguly, D. Gao, S. G. Gaonkar, B. Garaventa, F. García, C. García-Núñez, C. García-Quirós, F. Garufi, B. Gateley, S. Gaudio, V. Gayathri, G.-G. Ge, G. Gemme, A. Gennai, J. George, R. N. George, O. Gerberding, L. Gergely, P. Gewecke, S. Ghonge, Abhirup Ghosh, Archisman Ghosh, Shaon Ghosh, Shrobana Ghosh, B. Giacomazzo, L. Giacoppo, J. A. Giaime, K. D. Giardina, D. R. Gibson, C. Gier, M. Giesler, P. Giri, F. Gissi, J. Glanzer, A. E. Gleckl, P. Godwin, J. Golomb, E. Goetz, R. Goetz, N. Gohlke, B. Goncharov, G. González, A. Gopakumar, M. Gosselin, R. Gouaty, D. W. Gould, B. Grace, A. Grado, M. Granata, V. Granata, A. Grant, S. Gras, P. Grassia, C. Gray, R. Gray, G. Greco, A. C. Green, R. Green, A. M. Gretarsson, E. M. Gretarsson, D. Griffith, W. Griffiths, H. L. Griggs, G. Grignani, A. Grimaldi, S. J. Grimm, H. Grote, S. Grunewald, P. Gruning, D. Guerra, G. M. Guidi, A. R. Guimaraes, G. Guixé, H. K. Gulati, H.-K. Guo, Y. Guo, Anchal Gupta, Anuradha Gupta, P. Gupta, E. K. Gustafson, R. Gustafson, F. Guzman, S. Ha, L. Haegel, A. Hagiwara, S. Haino, O. Halim, E. D. Hall, E. Z. Hamilton, G. Hammond, W.-B. Han, M. Haney, J. Hanks, C. Hanna, M. D. Hannam, O. Hannuksela, H. Hansen, T. J. Hansen, J. Hanson, T. Harder, T. Hardwick, K. Haris, J. Harms, G. M. Harry, I. W. Harry, D. Hartwig, K. Hasegawa, B. Haskell, R. K. Hasskew, C.-J. Haster, K. Hattori, K. Haughian, H. Hayakawa, K. Hayama, F. J. Hayes, J. Healy, A. Heidmann, A. Heidt, M. C. Heintze, J. Heinze, J. Heinzel, H. Heitmann, F. Hellman, P. Hello, A. F. Helmling-Cornell, G. Hemming, M. Hendry, I. S. Heng, E. Hennes, J. Hennig, M. H. Hennig, A. G. Hernandez, F. Hernandez Vivanco, M. Heurs, S. Hild, P. Hill, Y. Himemoto, A. S. Hines, Y. Hiranuma, N. Hirata, E. Hirose, S. Hochheim, D. Hofman, J. N. Hohmann, D. G. Holcomb, N. A. Holland, I. J. Hollows, Z. J. Holmes, K. Holt, D. E. Holz, Z. Hong, P. Hopkins, J. Hough, S. Hourihane, E. J. Howell, C. G. Hoy, D. Hoyland, A. Hreibi, B-H. Hsieh, Y. Hsu, G-Z. Huang, H-Y. Huang, P. Huang, Y-C. Huang, Y.-J. Huang, Y. Huang, M. T. Hübner, A. D. Huddart, B. Hughey, D. C. Y. Hui, V. Hui, S. Husa, S. H. Huttner, R. Huxford, T. Huynh-Dinh, S. Ide, B. Idzkowski, A. Iess, B. Ikenoue, S. Imam, K. Inayoshi, C. Ingram, Y. Inoue, K. Ioka, M. Isi, K. Isleif, K. Ito, Y. Itoh, B. R. Iyer, K. Izumi, V. JaberianHamedan, T. Jacqmin, S. J. Jadhav, S. P. Jadhav, A. L. James, A. Z. Jan, K. Jani, J. Janquart, K. Janssens, N. N. Janthalur, P. Jaranowski, D. Jariwala, R. Jaume, A. C. Jenkins, K. Jenner, C. Jeon, M. Jeunon, W. Jia, H.-B. Jin, G. R. Johns, A. W. Jones, D. I. Jones, J. D. Jones, P. Jones, R. Jones, R. J. G. Jonker, L. Ju, P. Jung, k. Jung, J. Junker, V. Juste, K. Kaihotsu, T. Kajita, M. Kakizaki, C. V. Kalaghatgi, V. Kalogera, B. Kamai, M. Kamiizumi, N. Kanda, S. Kandhasamy, G. Kang, J. B. Kanner, Y. Kao, S. J. Kapadia, D. P. Kapasi, S. Karat, C. Karathanasis, S. Karki, R. Kashyap, M. Kasprzack, W. Kastaun, S. Katsanevas, E. Katsavounidis, W. Katzman, T. Kaur, K. Kawabe, K. Kawaguchi, N. Kawai, T. Kawasaki, F. Kéfélian, D. Keitel, J. S. Key, S. Khadka, F. Y. Khalili, S. Khan, E. A. Khazanov, N. Khetan, M. Khursheed, N. Kijbunchoo, C. Kim, J. C. Kim, J. Kim, K. Kim, W. S. Kim, Y.-M. Kim, C. Kimball, N. Kimura, M. Kinley-Hanlon, R. Kirchhoff, J. S. Kissel, N. Kita, H. Kitazawa, L. Kleybolte, S. Klimenko, A. M. Knee, T. D. Knowles, E. Knyazev, P. Koch, G. Koekoek, Y. Kojima, K. Kokeyama, S. Koley, P. Kolitsidou, M. Kolstein, K. Komori, V. Kondrashov, A. K. H. Kong, A. Kontos, N. Koper, M. Korobko, K. Kotake, M. Kovalam, D. B. Kozak, C. Kozakai, R. Kozu, V. Kringel, N. V. Krishnendu, A. Królak, G. Kuehn, F. Kuei, P. Kuijer, S. Kulkarni, A. Kumar, P. Kumar, Rahul Kumar, Rakesh Kumar, J. Kume, K. Kuns, C. Kuo, H-S. Kuo, Y. Kuromiya, S. Kuroyanagi, K. Kusayanagi, S. Kuwahara, K. Kwak, P. Lagabbe, D. Laghi, E. Lalande, T. L. Lam, A. Lamberts, M. Landry, P. Landry, B. B. Lane, R. N. Lang, J. Lange, B. Lantz, I. La Rosa, A. Lartaux-Vollard, P. D. Lasky, M. Laxen, A. Lazzarini, C. Lazzaro, P. Leaci, S. Leavey, Y. K. Lecoeuche, H. K. Lee, H. M. Lee, H. W. Lee, J. Lee, K. Lee, R. Lee, J. Lehmann, A. Lemaître, M. Leonardi, N. Leroy, N. Letendre, C. Levesque, Y. Levin, J. N. Leviton, K. Leyde, A. K. Y. Li, B. Li, J. Li, K. L. Li, T. G. F. Li, X. Li, C-Y. Lin, F-K. Lin, F-L. Lin, H. L. Lin, L. C.-C. Lin, F. Linde, S. D. Linker, J. N. Linley, T. B. Littenberg, G. C. Liu, J. Liu, K. Liu, X. Liu, F. Llamas, M. Llorens-Monteagudo, R. K. L. Lo, A. Lockwood, M. Loh, L. T. London, A. Longo, D. Lopez, M. Lopez Portilla, M. Lorenzini, V. Loriette, M. Lormand, G. Losurdo, T. P. Lott, J. D. Lough, C. O. Lousto, G. Lovelace, J. F. Lucaccioni, H. Lück, D. Lumaca, A. P. Lundgren, L.-W. Luo, J. E. Lynam, R. Macas, M. MacInnis, D. M. Macleod, I. A. O. MacMillan, A. Macquet, I. Magaña Hernandez, C. Magazzù, R. M. Magee, R. Maggiore, M. Magnozzi, S. Mahesh, E. Majorana, C. Makarem, I. Maksimovic, S. Maliakal, A. Malik, N. Man, V. Mandic, V. Mangano, J. L. Mango, G. L. Mansell, M. Manske, M. Mantovani, M. Mapelli, F. Marchesoni, M. Marchio, F. Marion, Z. Mark, S. Márka, Z. Márka, C. Markakis, A. S. Markosyan, A. Markowitz, E. Maros, A. Marquina, S. Marsat, F. Martelli, I. W. Martin, R. M. Martin, M. Martinez, V. A. Martinez, V. Martinez, K. Martinovic, D. V. Martynov, E. J. Marx, H. Masalehdan, K. Mason, E. Massera, A. Masserot, T. J. Massinger, M. Masso-Reid, S. Mastrogiovanni, A. Matas, M. Mateu-Lucena, F. Matichard, M. Matiushechkina, N. Mavalvala, J. J. McCann, R. McCarthy, D. E. McClelland, P. K. McClincy, S. McCormick, L. McCuller, G. I. McGhee, S. C. McGuire, C. McIsaac, J. McIver, T. McRae, S. T. McWilliams, D. Meacher, M. Mehmet, A. K. Mehta, Q. Meijer, A. Melatos, D. A. Melchor, G. Mendell, A. Menendez-Vazquez, C. S. Menoni, R. A. Mercer, L. Mereni, K. Merfeld, E. L. Merilh, J. D. Merritt, M. Merzougui, S. Meshkov, C. Messenger, C. Messick, P. M. Meyers, F. Meylahn, A. Mhaske, A. Miani, H. Miao, I. Michaloliakos, C. Michel, Y. Michimura, H. Middleton, L. Milano, A. L. Miller, A. Miller, B. Miller, S. Miller, M. Millhouse, J. C. Mills, E. Milotti, O. Minazzoli, Y. Minenkov, N. Mio, Ll. M. Mir, M. Miravet-Tenés, C. Mishra, T. Mishra, T. Mistry, S. Mitra, V. P. Mitrofanov, G. Mitselmakher, R. Mittleman, O. Miyakawa, A. Miyamoto, Y. Miyazaki, K. Miyo, S. Miyoki, Geoffrey Mo, L. M. Modafferi, E. Moguel, K. Mogushi, S. R. P. Mohapatra, S. R. Mohite, I. Molina, M. Molina-Ruiz, M. Mondin, M. Montani, C. J. Moore, D. Moraru, F. Morawski, A. More, C. Moreno, G. Moreno, Y. Mori, S. Morisaki, Y. Moriwaki, G. Morrás, B. Mours, C. M. Mow-Lowry, S. Mozzon, F. Muciaccia, Arunava Mukherjee, D. Mukherjee, Soma Mukherjee, Subroto Mukherjee, Suvodip Mukherjee, N. Mukund, A. Mullavey, J. Munch, E. A. Muñiz, P. G. Murray, R. Musenich, S. Muusse, S. L. Nadji, K. Nagano, S. Nagano, A. Nagar, K. Nakamura, H. Nakano, M. Nakano, R. Nakashima, Y. Nakayama, V. Napolano, I. Nardecchia, T. Narikawa, L. Naticchioni, B. Nayak, R. K. Nayak, R. Negishi, B. F. Neil, J. Neilson, G. Nelemans, T. J. N. Nelson, M. Nery, P. Neubauer, A. Neunzert, K. Y. Ng, S. W. S. Ng, C. Nguyen, P. Nguyen, T. Nguyen, L. Nguyen Quynh, W.-T. Ni, S. A. Nichols, A. Nishizawa, S. Nissanke, E. Nitoglia, F. Nocera, M. Norman, C. North, S. Nozaki, J. F. Nuño Siles, L. K. Nuttall, J. Oberling, B. D. O’Brien, Y. Obuchi, J. O’Dell, E. Oelker, W. Ogaki, G. Oganesyan, J. J. Oh, K. Oh, S. H. Oh, M. Ohashi, N. Ohishi, M. Ohkawa, F. Ohme, H. Ohta, M. A. Okada, Y. Okutani, K. Okutomi, C. Olivetto, K. Oohara, C. Ooi, R. Oram, B. O’Reilly, R. G. Ormiston, N. D. Ormsby, L. F. Ortega, R. 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A Model for Implementing New FinTechs in the Banking Industry (Peer-to-Peer Lending) by Hosein Mohammadi, Narges Mohammadalipour, Noroz Norollahzadeh, Ghanbar Abbaspour asfadan, Mahnaz Rabie

“…Borrowers also enjoy the benefits of lower costs compared to bank or credit union loans. Fintechs can provide new products and services for peer-to-peer banking customer groups that do not have access to traditional financial services. …”
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