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The implementation of blockchain technology in supply chain finance (BcSCF) offers a conducive way for entrepreneurial financing. Extending the resource-based view (RBV), a traditional perspective approach is espoused to trigger scholarly discussions, pining the development of research fronts on Blockchain-as-a-Service (BaaS) in addressing small and medium-sized enterprises (SME) financing constraints. This paper suggests that, despite the operational challenges of blockchains and the necessity to focus on core business activities, BaaS is promising, with significant efforts in terms of cost-savings, efficiency, and reliability with reduced risks. This study provides insight on BaaS contributions to fostering entrepreneurial finance as well as contributing to the literature on the accomplishments of BaaS within BcSCF provisions for particularly Ghanaian SMEs. Therefore, detailed studies into the viability of technologically-enabled types of SME finance are essential, necessitating more research. Resultantly, some forward-thinking research issues for researchers in the disciplines of innovation, technology, entrepreneurship, finance, and decision science have been presented.

Nature is perceived and valued in starkly different and oftenconflicting ways. This paper presents the rationale for theinclusive valuation of nature's contributions to people (NCP) indecision making, as well as broad methodological steps fordoing so. While developed within the context of theIntergovernmental Platform on Biodiversity and Ecosystem Services (IPBES), this approach is more widely applicable toinitiatives at the knowledge?policy interface, which require apluralistic approach to recognizing the diversity of values. Weargue that transformative practices aiming at sustainablefutures would benefit from embracing such diversity, which require recognizing and addressing power relationships across stake holder groups that hold different values on human nature relations and NCP Fil: Pascual, Unai. University Of Cambridge; Reino Unido Fil: Balvanera, Patricia. Universidad Nacional Autónoma de México; México Fil: Díaz, Sandra Myrna. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Córdoba. Instituto Multidisciplinario de Biología Vegetal. Universidad Nacional de Córdoba. Facultad de Ciencias Exactas Físicas y Naturales. Instituto Multidisciplinario de Biología Vegetal; Argentina Fil: Pataki, György. Corvinus University of Budapest; Hungría Fil: Roth, Eva. University of Southern Denmark; Dinamarca Fil: Stenseke, Marie. University Goteborg; Suecia Fil: Watson, Robert T.. University of East Anglia; Reino Unido Fil: Basak Dessane, Esra. Project House; Turquía Fil: Islar, Mine. Lund University; Suecia Fil: Kelemen, Eszter. Environmental Social Science Research Group; Hungría Fil: Maris, Virginie. Centre d’Ecologie Fonctionnelle et Evolutive; Francia Fil: Quaas, Martin. Kiel University; Alemania Fil: Subramanian, Suneetha M. United Nations University; Japón Fil: Wittmer, Heidi. Helmholtz-Centre for Environmental Research; Alemania Fil: Adlan, Asia. University of Khartoum; Sudán Fil: Ahn, SoEun. Korea Environment Institute; Corea del Sur Fil: Al-Hafedh, Yousef S. King Abdulaziz City for Science & Technology; Arabia Saudita Fil: Amankwah, Edward. Center for Environmental Governance; Ghana Fil: Berry, Pam. University of Washington; Estados Unidos Fil: Bilgin, Adem. University of Oxford; Reino Unido Fil: Breslow, Sara J. Ministry of Forestry and Water Affairs of Turkey; Turquía Fil: Bullock, Craig. University College Dublin; Reino Unido Fil: Caceres, Daniel Mario. Consejo Nacional de Investigaciones Científicas y Técnicas; Argentina. Universidad Nacional de Córdoba. Facultad de Ciencias Agropecuarias. Departamento de Desarrollo Rural; Argentina Fil: Daly-Hassen, Hamed. University of Carthage; Túnez Fil: Figueroa, Eugenio. Universidad de Chile; Chile Fil: van den Belt, Marjan. Victoria University of Wellington; Nueva Zelanda Fil: Verma, Madhu. Indian Institute of Forest Management; India Fil: Wickson, Fern. GenØk Centre for Biosafety, Siva innovasjonssenter; Noruega Fil: Yagi, Noboyuki. The University of Tokyo; Japón

Available statistics indicates that about 90% of all claims or accident in Ghana is caused by human behavior. Therefore, policyholders’ errors are categorized depending on the severity and extend of casualties caused as a result of misinterpretation of road traffic control devices based on their education levels. Hence, in order to ascertain all the possible causes within the human element to reduce the increasing trend of yearly claims, this study report on the influence of education levels on accident/claims frequency and severity drawing upon a purposive sample of 203 policyholders who have experienced at least one accident in a year using structural equation modeling (SEM). The findings from our regression weights gave enough evidence to reject most of our hypotheses with few ones being supported. This study provides enough evidence that education generally to perspective policyholders influence accidents/claims occurrence. However, in terms of education levels of policyholders, we did not have enough evidence in support of any of these levels either causing or reducing claims/accident frequency. Besides accident/claim frequency, we extended our regression analysis on claim severity and also included some well know auto insurance rating factors to ascertain their impacts on accident frequency. Consequently, it was revealed that most of the severe claims or accidents that results into deaths and serious injuries on yearly basis are caused by policyholders or drivers with medium level of education in Ghana with its frequency driving mostly by rating factors such as the vehicle’s age, cubic capacity, mileage, etc.