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AbstractAustralians are embracing new forms of digital finance products and services, which includes purchasing cryptocurrencies and non‐fungible tokens (NFTs). There has been an increase in investment scams associated with cryptocurrencies. In this article, we sought to understand from cryptocurrency and NFT investors, who is vulnerable and what vulnerabilities exist. We surveyed 745 Australians aged 18 and over who have purchased cryptocurrencies or NFTs. We used sociological perspectives of consumer vulnerability that focus on internal and external factors to analyse our findings. We found that both socioeconomic advantaged and disadvantaged Australians are vulnerable. The vulnerabilities include concerns over security, unsolicited advice, limited options for learning, and insufficient financial and IT literacy. The findings suggest that online financial education is needed from trusted independent sources to help combat scams and to keep Australians and their crypto assets safe. We recommend that more opportunities to educate individuals about alternative forms of financial products are offered in compulsory, vocational and higher education settings.

Smart or digital city infrastructures facilitate both decision support and strategic planning with applications such as government services, healthcare, transport and traffic management. Generally, each service generates multiple data streams using different data models and structures. Thus, any form of analysis requires some form of extract-transform-load process normally associated with data warehousing to ensure proper cleaning and integration of heterogeneous datasets. In addition, data produced by these systems may be generated at a rate which cannot be captured completely using standard computing resources. In this paper, we present an ETL system for transport data coupled with a smart data acquisition methodology to extract a subset of data suitable for analysis.

The photodehydrogenation of ethanol is a sustainable and potentially cost-effective strategy to produce hydrogen and acetaldehyde from renewable resources. The optimization of this process requires the use of highly active, stable and selective photocatalytic materials based on abundant elements and the proper adjustment of the reaction conditions, including temperature. In this work, CuO-TiO type-II heterojunctions with different CuO amounts are obtained by a one-pot hydrothermal method. The structural and chemical properties of the produced materials and their activity toward ethanol photodehydrogenation under UV and visible light illumination are evaluated. The CuO-TiO photocatalysts exhibit a high selectivity toward acetaldehyde production and up to tenfold higher hydrogen evolution rates compared to bare TiO . We further discern here the influence of temperature and visible light absorption on the photocatalytic performance. Our results point toward the combination of energy sources in thermo-photocatalytic reactors as an efficient strategy for solar energy conversion. ; This work was supported by the MINECO project COMBENERGY (PID2019-105490RB-C32) and MICINN/FEDER project RTI2018-093996-B-C31. J.A. and M.C.S. thank funding from GC 2017 SGR 327 and MINECO project (ENE2017-85087-C3). ICN2 thanks supporting from the Severo Ochoa Program (MINECO, No. SEV-2013-0295) and the CERCA Program/Generalitat de Catalunya. Y.Z., C.X., and X.W. acknowledge the China Scholarship Council (CSC) for scholarship support. Part of the present work has been performed in the framework of Universitat Autònoma de Barcelona Materials Science PhD program. J.L. is a Serra Hunter fellow and is grateful to GC 2017 SGR 128 and ICREA Academia program. Y.L. thank the Swiss National Science Foundation (SNF) for funding under the Ambizione Energy (No. PZENP2_166871). M.C.S. has received funding from the European Union's Horizon 2020 research and innovation programme under the Marie Skłodowska-Curie grant agreement No. 754510 (PROBIST) and the Severo Ochoa programme.