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on Information and Communication Technologies |
| By: | Tarek Al-Rimawi; Michael Nadler |
| Abstract: | Integrating smart city technologies into real estate development is one of the most significant factors that would transform traditional real estate into smart ones. It presents significant opportunities for enhancing real estate developments' smartness, efficiency, sustainability, and overall value. This paper explores the added values of these technologies across various phases of the real estate development life cycle phases. By comprehensively reviewing existing literature and case studies, 131 distinct added values that smart technologies contribute to real estate development were found. The findings highlight how smart technologies optimize smart real estate throughout their life cycle phases, leading to smarter, enhanced user experiences and more valued and integrated real estate developments. The research investigated sixteen Key smart technologies: big data, artificial intelligence (AI), information and communications technology (ICT), Internet of Things (IoT), clouds and software as a service (SaaS), drones, 3D Scanning, wearable technologies, virtual reality (VR) and augmented reality (AR), Geographic Information Systems (GIS), Building Information Modeling (BIM), Digital Twin, blockchain and smart contracts. This paper aims to provide real estate developers, urban planners, and policymakers with actionable insights into the strategic implementation of smart city technologies to develop smarter real estate. Stakeholders can better leverage these technologies by understanding the specific benefits and possible challenges associated with each life cycle phase. They would be able to clearly identify which technology suits their needs and enhance their goals. |
| Keywords: | integrative review; Smart City; Smart Real Estate; smart technologies |
| JEL: | R3 |
| Date: | 2025–01–01 |
| URL: | https://d.repec.org/n?u=RePEc:arz:wpaper:eres2025_52 |
| By: | Angelo D'Andrea (Bank of Italy); Patrick Hitayezu (Research Hub, Rwanda); Kangni Kpodar (International Monetary Fund and FERDI); Nicola Limodio (Bocconi University, BAFFI, IGIER and CEPR); Andrea Filippo Presbitero (International Monetary Fund and CEPR) |
| Abstract: | Combining administrative data on credit, mortgages, and construction in Rwanda, this paper shows that technology helps overcome imperfections in property rights and foster the development of the mortgage market. Exploiting quasi-experimental variation in 3G internet coverage and a land title reform, we find that mobile connectivity shifts borrowers from microfinance to banks. 3G internet facilitates the distribution of land titles, which borrowers use as collateral for bank loans and mortgages, thus promoting household investment in real estate. A mediation analysis and structural estimation reveal that the property rights channel accounts for 30-37% of the effect of mobile internet on bank lending and 75-80% of the effect on collateralized loans. |
| Keywords: | Banks, Credit, High-speed Internet, Mobile, Mortgage |
| JEL: | G21 G23 O33 |
| Date: | 2025–10 |
| URL: | https://d.repec.org/n?u=RePEc:anc:wmofir:195 |
| By: | Athina Karvounaraki (European Commission); Alexis Stevenson (European Commission); Isabelle Labrosse (Science-Metrix); David Campbell (Science-Metrix); Henrik Karlstrøm (NIFU); Eric Iversen (NIFU); Lili Wang (UNU/MERIT, Maastricht University); Ad Notten (UNU/MERIT, Maastricht University) |
| Abstract: | The study examines the surge in GenAI chatbot mentions in scientific literature, showing a 13-fold increase from November 2022 to December 2023. The use of GenAI chatbots in scientific research is mainly in ICT and Applied Sciences, where AI improves research efficiency. Key applications include writing and practical implementation, demonstrating the tool's widespread use in academic writing and research. Nonetheless, the increasing use of AI in research and academia raises concerns about quality assurance and trust issues. |
| Keywords: | Generative AI, Research, Scientific Literature, Chatbots, ICT, Applied Sciences, Academic Writing, Quality Assurance, Trust Issues |
| JEL: | O32 O38 C18 |
| Date: | 2025–06 |
| URL: | https://d.repec.org/n?u=RePEc:eug:wpaper:ki-01-25-084-en-n |
| By: | Sevilla Sanz, Maria Almudena; Cuevas Ruiz, Pilar; Rello, Luz; Sanz, Ismael |
| Abstract: | Artificial Intelligence (AI) and Computer-Assisted Learning (CAL) offer powerful tools to improve foundational skills and close educational gaps, with evidence showing meaningful gains in student performance, especially in mathematics. Recent advancements in these technologies have generated optimism about their transformative potential in classrooms worldwide. These technologies are increasingly being piloted at scale, reshaping the way teachers deliver content and students engage with material. However, their impact depends less on access to devices and more on how they are integrated into teaching—through curriculum alignment, teacher training, and interactive design that promotes active learning. Without careful implementation, these tools risk widening existing inequalities. Using new evidence from Italy, we show that digital divides in AI adoption persist across schools and regions, reflecting broader social and economic disparities. Our findings suggest that realising the potential of AI in education requires inclusive policies and targeted investment to ensure no student is left behind, and that the benefits of digital innovation are shared equitably. |
| Keywords: | artificial intelligence in education; computer-assisted learning; AI-guided tutors; digital divide; PISA; Italian schools |
| JEL: | I21 O33 C88 D83 |
| Date: | 2025–11–10 |
| URL: | https://d.repec.org/n?u=RePEc:ehl:lserod:130010 |
| By: | F. Fang Liu; A. Andrew Burton-Jones; W. Wang (Audencia Business School); D. Dongming Xu |
| Abstract: | Retransmitted messages online can have profound effects on disaster response; however, existing literature provides an incomplete account of why messages are retransmitted on social media in disasters. In particular, there is a need to theorize the capabilities of the communication tools used for sending messages, because nowadays people can send messages online via different tools. This paper aims to theorize and explain how the capabilities of communication tools affect message retransmission by affecting the generation of message characteristics. To test our account, we collected and coded Twitter data from three disasters, and employed five logistic regressions to test our hypotheses. Our results confirm our expectations that compared to messages sent from desktops, messages sent from mobile devices are less likely to be helpful and verifiable, but are more likely to have visual attachments and expressions of anxiety. |
| Keywords: | Misinformation, Disaster Management, Message Retransmission, Rumor Theory, Social Media |
| Date: | 2025–02 |
| URL: | https://d.repec.org/n?u=RePEc:hal:journl:hal-05293490 |
| By: | Mariam El Harras; My Abdelouhab Salahddine |
| Abstract: | Regulatory technology (RegTech) is transforming financial compliance by integrating advanced information technologies to strengthen anti money laundering and countering the financing of terrorism (AML CFT) frameworks. Recent literature suggests that such technologies represent more than just an efficiency tool; they mark a paradigm shift in regulation and the evolution of financial oversight (Kurum, 2023). This paper aims to provide a narrative review of recent RegTech applications in financial crime prevention, with a focus on key compliance domains. A structured literature review was conducted to examine publications between 2020 and 2024 with a thematic synthesis of findings related to customer due diligence (CDD) and know your customer (KYC), transaction monitoring, regulatory reporting and compliance automation, information sharing and cross border cooperation, as well as cost efficiency. Findings reveal that RegTech solutions give financial institutions more responsibility for detecting and managing financial crime risks, making them more active players in compliance processes traditionally overseen by regulators. The combined use of technologies such as artificial intelligence (AI), blockchain, and big data also generates synergistic effects that improve compliance outcomes beyond what these technologies achieve individually. This demonstrates the strategic relevance of integrated RegTech approaches. |
| Date: | 2025–11 |
| URL: | https://d.repec.org/n?u=RePEc:arx:papers:2511.15764 |