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- Improving Financial Literacy Among Portuguese Youth: A Multicriteria Decision Analysis Using the Analytic Hierarchy ProcessPublication . Reis, Manuel; Tiago Miguel; Paula Sarabando; Matias, RogérioFinancial literacy is critical for individual well-being and sustainable economic development, yet significant gaps remain among Portuguese young adults. Using a two-phase design, this study combines a diagnostic assessment and multi-criteria decision analysis to identify and prioritise effective financial education strategies. In Phase 1, a diagnostic questionnaire administered to 172 first-year university students revealed pronounced deficiencies in core financial concepts. Only 29.1% correctly answered a question on compound interest, and almost half were unable to understand the concept of inflation. Additionally, 62.8% reported low exposure to financial education during compulsory schooling, and 59.9% strongly agreed that it should be included in the mandatory curriculum, indicating both unmet need and strong receptiveness. Phase 2 employed the Analytic Hierarchy Process (AHP) to evaluate five educational alternatives across four criteria. Engagement and motivation (0.32) and knowledge acquisition (0.31) were prioritised over behavioural impact (0.22) and accessibility (0.15). Based on expert assessments weighted by student preferences, in-person courses emerged as the most effective strategy (0.42), substantially outperforming online courses (0.22), videos and digital content (0.14), books (0.13), and games (0.10). The findings point to the need for policy-driven integration of structured, educator-led financial education within formal curricula, supported by approaches that prioritise active engagement and knowledge acquisition over convenience, with digital tools serving as complements rather than replacements.
- Quality-of-Life Perception among Young Residents and Visitors: The Impact of COVID-19Publication . Seabra, Claudia; Almeida, Sofia; Reis, ManuelThis research intends to measure the quality of life (QoL) perception, from the perspective of residents and tourists towards Coimbra, a city with an important World Heritage Site, as classified by UNESCO. In these times, preserving tangible and intangible heritage is so important for future memories. Identifying the QoL perceptions through the eyes of residents and tourists allows the improvement of the community well-being of the destination for both stakeholders. Starting from this assumption, this study aims to: (i) measure the tourists’ and residents’ perceptions on quality of life (QoL); (ii) analyze the impact of the COVID-19 pandemic on QoL perceptions, both from the tourists’ and residents’ perspective. To achieve these objectives, a questionnaire was disseminated to residents and tourists in two different phases, before and during the COVID-19 pandemic. Results show that in general, residents and tourists exhibited, in both periods, medium and high perceptions of QoL, with an exception made for the Urban Issues domain that decreased even more during the pandemic. Furthermore, the results show, for residents and tourists, that the perception of Urban Issues, Way of Life, Community Pride and Awareness, Economic Strength, and Recreation Amenities impact significantly and positively their Community Well-Being perception. New paths for academics and for practitioners are presented at the end, as well as limitations and evidence for future research.