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In the last few years, the bank lending channel has attracted enormous interest among researchers (Albertazzi et al., 2021; Cantero-Saiz et al., 2014, 2022; Jiménez et al., 2020). This channel proposes that monetary policy decisions alter the supply of loans by affecting the financial conditions of banks (Bernanke & Blinder, 1988; Disyatat, 2011). However, the reaction of banks to monetary shocks depends on their financial strength. In this regard, the credit supply of weaker banks, such as those that are smaller, less liquid or more poorly capitalised, is more sensitive to monetary impulses because these banks have more difficulties in obtaining loanable funds (Kashyap & Stein, 2000; Kishan & Opiela, 2000). Another important factor that can also affect the financial conditions of banks and the bank lending channel, which has received scant exploration, is the implementation of sustainable business models, which are becoming a key element in the strategies and practices of many banks.

One of the newer models, the Human Activity Assistance Technology (HAAT), shows that when human enactment encompasses the practice of assistive manoeuvres, the performance depends on some relevant factors related to people, activities, and assistive technology products. In recent centuries, the mandate for the growth of senior medical services that utilize new technologies and support independent living has amplified. Some activities focus on observing and evolving internal autonomy, exclusively for the old and people with infirmities. Many solutions are based on specific technologies such as WLAN connection or Internet of Things (IoT) systems, especially for a humanoid identity for an extensive collection of interior amenities (Baucas et al., 2021). However, complete independence in performing daily tasks and activities is a challenge for people with disabilities, including those with visual impairments. Several studies open up new opportunities by proposing tools, methods, and assistive technologies (AT) to overcome many obstacles.

Entrepreneurship is a source of innovation, employment, growth and economic development (Penaluna, 2018). Therefore, promoting entrepreneurship education is one of the most important policy objectives in the European Union and in the Member States (Kuratko et al., 2021). Raising the level of entrepreneurial knowledge is seen as essential in shaping mindsets as well as providing the necessary competences to develop an entrepreneurial culture. Therefore, it becomes important that efforts in the field of entrepreneurship education are directed towards providing society with an opportunity to acquire the aforementioned competences with the highest degree of educational efficiency (Valerio et al., 2014). Therefore, academics are increasingly calling for more determined action aimed at developing theories of entrepreneurship education (Davidsson et al., 2001; Haase & Lautenschlager 2011; Low & MacMillan 1988). The validity of this appeal is still relevant in 2022 and, although evidence for a well-articulated theory is still limited, the historical foundations of entrepreneurship education theory already exist.

Companies are constantly on the lookout for methods to boost their performance (Bouwman et al., 2019; Jabbour et al., 2020; Taouab & Issor, 2019). The company will always work, earn, and maintain the constantly changing performance, including in the new normal era of the coronavirus disease 2019 (COVID-19) pandemic (Dora et al., 2021; Irawan, 2020; Jesus et al., 2020). The corporate world is not immune to the ripple effects of the COVID-19 pandemic. Companies need to understand that rivalry is for physical and intangible assets, such as intellectual capital, when they want to thrive and succeed in the market. The higher the level of intellectual capital, the better the company will develop its intellectual capital to increase investor and stakeholder confidence in the company. Better use of intellectual capital will improve the company’s firm performance. Intellectual capital (IC) if we use the resourcebased theory (RBV) reference, then we can state that IC is a unique resource that can be used in the preparation and implementation of corporate strategies to create competitive advantage and corporate value, which in turn can increase company performance.

Given the rate of growth in online grocery shopping revenues, retailers and manufacturers need to understand how consumers behave when shopping online (Anesbury et al., 2016). Thus, categorising customers into groups according to typical elements of their customer behaviour is important both in terms of increasing knowledge about customer behaviour from a scientific perspective and in the development of, for example, companies’ marketing strategies. In fact, by dividing customers according to an appropriate segmentation, a company can divide its market into several suitable segments in which customers have similar characteristics and needs and which it is effective to target. This paper focuses on the domain of customer segmentation and specifically on the field of online grocery shopping, which has been one of the fastest-growing online categories in recent years around the world.