Italian Journal of Food Safety https://www.pagepressjournals.org/ijfs <p>The <strong>Italian Journal of Food Safety (IJFS)</strong> is the official journal of the <a href="http://www.aivi.it/" target="_blank" rel="noopener">Italian Association of Veterinary Food Hygienists (AIVI)</a>. The Journal addresses veterinary food hygienists, specialists in the food industry and other experts offering technical support and advice on food of animal origin. The <strong>Italian Journal of Food Safety</strong> publishes original research papers concerning food safety and hygiene, animal health, zoonoses and food safety, food safety economics. Reviews, editorials, technical reports, brief notes, conference proceedings, letters to the Editor, and book reviews are also welcome. Every article published in the Journal will be peer-reviewed by experts in the field and selected by members of the Editorial Board.</p> PAGEPress Scientific Publications, Pavia, Italy en-US Italian Journal of Food Safety 2239-7132 <p><strong>PAGEPress</strong> has chosen to apply the <a href="http://creativecommons.org/licenses/by-nc/4.0/" target="_blank" rel="noopener"><strong>Creative Commons Attribution NonCommercial 4.0 International License</strong></a> (CC BY-NC 4.0) to all manuscripts to be published.</p> Citrus bliss: potassium, sodium, and calcium silicates secrets for post-harvest diseases of fruit defense https://www.pagepressjournals.org/ijfs/article/view/12714 <p>Biotic stress significantly challenges the global citrus industry. Major post-harvest issues include diseases caused by <em>Penicillium digitatum</em>, <em>Penicillium italicum</em>, <em>Geotrichum citri-aurantii</em>, <em>Alternaria alternata</em>, and <em>Phytophthora citrophthora</em>. The negative impact of chemical fungicides on the environment and health necessitates eco-friendly alternatives. This study examines the effectiveness of sodium, potassium, and calcium silicates against common citrus diseases. <em>In vitro</em> tests evaluated mycelial growth inhibition using silicate concentrations from 0 to 10,000 ppm after 7 days at 25°C. Sodium silicate showed the highest efficacy, completely inhibiting <em>P. digitatum</em> and <em>P. italicum</em> at 2000 ppm. Potassium and calcium silicates achieved 100% inhibition against <em>Penicillium</em> spp. at a concentration of 1%. <em>In vivo</em> tests on Sidi Aissa clementines assessed the preventive and curative effects of 1, 2, and 6% silicate salt solutions. Sodium silicate prevented 41% of brown rot, 72% of sour rot, and 100% of green mold at 6%. Calcium silicate at 6% significantly reduced blue mold and black rot by 32% and 74%, respectively. Sodium silicate was most effective in curative treatments, suggesting its potential as a pre- or post-harvest spray to control <em>P. digitatum</em>, <em>P. italicum</em>, and <em>G. citri-aurantii</em>.</p> Meriem Hamrani Rachid Lahlali Rabea Ziri Rachid Ezzouggari Najiba Brhadda Félicie Lopez-Lauri Fouad Mokrini Essaid Ait Barka Mohammed El Guilli Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-10-23 2024-10-23 13 4 10.4081/ijfs.2024.12714 Comparative analysis of the microbiome composition of artisanal cheeses produced in the Mediterranean area https://www.pagepressjournals.org/ijfs/article/view/12818 <p>In the PRIMA project ArtiSaneFood, the microbiological parameters of several artisanal cheeses produced in the Mediterranean area have been quantified. In this pilot study, we selected four of these artisanal cheese products from Italy, Portugal, Spain, and Morocco to investigate and compare their microbiomes in terms of taxonomy composition, presence of reads of foodborne pathogens, as well as virulence and antimicrobial resistance genes. <em>Lactococcus</em>, <em>Streptococcus</em> and <em>Lactobacillus</em> were the most represented genera in the Portuguese and Spanish cheeses, <em>Streptococcus</em> in the Italian cheese, and <em>Enterococcus</em>, <em>Klebsiella</em>, <em>Escherichia</em>, and <em>Citrobacter</em> in the Moroccan products. The correlation analysis indicated a negative association between the abundance of some lactic acid bacteria (<em>i.e</em>., <em>Lactococcus</em>, <em>Lactobacillus</em>, <em>Streptococcus</em>, and <em>Leuconostoc</em>) and foodborne pathogenic genera, like <em>Escherichia</em> and <em>Salmonella</em>. The analysis of pathogen abundance, virulence factors, and antimicrobial resistance genes showed a strong clusterization based on the cheese type, confirming that the presence of potential human health risk determinants was higher in the artisanal products derived from unpasteurized milk that underwent spontaneous fermentation.</p> Valentina Indio Ursula Gonzales-Barron Chiara Oliveri Alex Lucchi Antonio Valero Fouad Achemchem Gerardo Manfreda Federica Savini Andrea Serraino Alessandra De Cesare Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-10-10 2024-10-10 13 4 10.4081/ijfs.2024.12818 <i>Speck</i>: a traditional culinary specialty from the Italian Alps. A microbiological, molecular and chemical evaluation https://www.pagepressjournals.org/ijfs/article/view/12630 <p>South Tyrol is the northernmost Italian province; its history, geography, and closeness to other European countries, such as Austria and Switzerland, have influenced both culture and food production. Among the South Tyrolean culinary specialties, a type of dry-cured ham called <em>Südtiroler Speck</em>/<em>Speck Alto Adige</em> (<em>Speck</em>) plays a relevant role and has gained increasing significance both on a national and international level over the last 2 decades. Despite it being a common culinary product in Italian and international markets, there is not much published data regarding the microbiological and chemical features of <em>Speck</em>. This study describes the analytical results obtained during a period of 7 years, during which the main pathogens and contaminants were considered.</p> Stefano Colorio Francesca Precazzini Martina Stella Michela Rabini Gloria Paolazzi Evelin Elke Oberkalmsteiner Mara Borghi Astrid Bettini Alexander Tavella Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-09-25 2024-09-25 13 4 10.4081/ijfs.2024.12630 Sardinian fermented sausage traditional production process: a preliminary survey in eight establishments https://www.pagepressjournals.org/ijfs/article/view/12203 <p>This study aimed to conduct a preliminary investigation in eight Sardinian fermented sausage (SFS) production plants to acquire knowledge about the differences in the applied technological process and their influence on the safety and sensory characteristics of the finished product. Two audits were conducted in each plant to evaluate structural characteristics and process technologies; 72 samples of SFS at the end of seasoning and 48 environmental samples were analyzed. <em>Listeria monocytogenes</em>, <em>Listeria</em> spp., <em>Salmonella</em> spp., and <em>Yersinia enterocolitica</em> were investigated, and chemical-physical analyses were also performed. A panel of consumers was subjected to the Check All That Apply test and acceptability test to determine the qualities perceived by consumers and assess the product acceptance rating. A water activity value of &gt;0.941, permissive for the growth of <em>L. monocytogenes</em>, was detected in SFS produced by one producing plant; <em>L. monocytogenes</em>, <em>Salmonella</em> spp., and <em>Y. enterocolitica</em> were detected in 2.8% of SFS samples, and <em>Listeria</em> spp. in 20.8% of samples. Environmental samples tested positive for 45.8% of <em>Listeria</em> spp. and 16.7% of <em>L. monocytogenes</em>. Correct drying and ripening steps, applied for at least 20 days, are critical for the development of hurdles required to guarantee the safety of fermented sausages. The application of proper hygiene and cleaning procedures is required to reduce environmental contamination. Sensory analysis results show how the production processes applied determine the marketing of sensorially different products. The ideal profile suggested by consumers confirms that the attributes that allow for improved liking are “moderate spicing”, “moderate spiciness”, “seasoned product”, and “artisanal character”.</p> Giuliana Siddi Francesca Piras Maria Pina Meloni Vincenzo Spanu Nadia Carta Mario Cuccu Carlo Spanu Riccardo Di Salvo Carlo Piga Enrico Pietro Luigi De Santis Christian Scarano Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-08-02 2024-08-02 13 4 10.4081/ijfs.2024.12203 Insect-based products commercialized online: a snapshot of lipid oxidation and mineral content https://www.pagepressjournals.org/ijfs/article/view/11600 <p>This research aims to monitor the conservation status of the lipid and mineral contents of four shelf-stable insect-based products (yellow mealworm, house cricket, mole cricket, and silkworm) marketed online. A total of 32 single-species packs were purchased from various online commercial suppliers. Moisture, lipids, fatty acids, titratable acidity, mineral elements, and primary and secondary lipid oxidation products were determined. Statistical multivariate approaches were applied to investigate the contribution of each chemical variable to the characterization of edible insects. Titratable acidity (up to 37.3 g oleic acid per 100 g of crickets), as well as primary and secondary lipid oxidation products, showed great variability within and between species. The study revealed a significant occurrence of rancidity (45.5% of the samples exceeded the peroxide limit of 10 mEqO2/kg; 100% of the samples exceeded the indication of 1 mg/kg malondialdehyde), whereas the heavy metal content indicated a relatively safe condition, suggesting the absence of potential risks to human health. Both the chemical and the elemental properties could be regarded as potential characteristics suitable for authenticating this food matrix. This study contributes to the description of several chemical features in commercialized processed insect-based products, aiming to highlight possible safety concerns and identify those unfit for human consumption.</p> Stefania Balzan Luca Fasolato Federico Fontana Sarah Currò Enrico Novelli Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-08-06 2024-08-06 13 4 10.4081/ijfs.2024.11600 Behind the scenes of taste: an exploratory study of non-compliance in Italian artisanal bakery and pastry laboratories https://www.pagepressjournals.org/ijfs/article/view/12235 <p>This study aimed to identify critical issues in artisanal bakery and pastry production in Italy that could improve food safety and quality. Fifteen voluntary Italian companies underwent on-site inspections and interviews from 2018 to 2021. The inspection concerned the production site characteristics, processing flows, materials, and personnel to pinpoint potential product contamination and record objective data collection through a 126-question demerit scoring system. The examined areas encompassed various aspects, such as the point of sale, management of raw materials and packaging, hygiene practices, finished product quality, sanitization procedures, external spaces, personnel, and other factors impacting food safety and hygiene. Additionally, assessments of the microbiological air quality were carried out. Two cohorts (six and nine companies in 2018-2019 and in 2020-2021, respectively) revealed critical issues in warehouse/packaging (70% non-compliance), finished product/cooling (50% non-compliance), and people/products flow (38% non-compliance). Site visits identified pest management and raw material handling challenges. Significant airborne mold and yeast contamination (30-50 colony-forming units/plate/h) were observed in areas near processing sites or with air turbulence. This study facilitated constructive discussions and proposed solutions with the participating companies.</p> Sarah Currò Stefania Balzan Valentina Saccarola Federico Fontana Enrico Novelli Luca Fasolato Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-08-02 2024-08-02 13 4 10.4081/ijfs.2024.12235 The addition of ascorbic acid improves the microbiological quality and shelf life of Atlantic mackerel (<i>Scomber scombrus</i>) fillets stored in ice https://www.pagepressjournals.org/ijfs/article/view/12296 <p>Ascorbic acid is one of the most promising additives for improving fish shelf life, but studies on its antimicrobial activity during product storage are limited. In this experiment, we assessed the effect of ascorbic acid on the preservability of Atlantic mackerel (<em>Scomber scombrus</em>) fillets during storage in ice. Fillets were treated to reach an ascorbic acid concentration of 0.30 mg/g (T1) and 0.15 mg/g (T2). Samples were stored in ice at 0°C and analyzed at 0, 2, 7, 9, and 14 days for total viable count, specific spoilage organisms (SSOs), <em>Pseudomonas</em> spp., potentially histamine-producing bacteria (HPB), and <em>Enterobacteriaceae</em>. Growth curves were constructed using the DMfit tool of Combase, and the shelf life was estimated in relation to microbiological limits reported in the literature. Sensory evaluation was performed using a quality index method scheme. At 7 and 9 days of storage, treated samples exhibited bacterial counts from 0.5 to 1.7 Log CFU/g lower than controls, with a logarithmic reduction proportional to the additive concentration. The antimicrobial action appeared to diminish after 14 days. A consistent effect was observed for potentially HPB, with counts of 1.7 Log CFU/g lower in T1 samples compared to controls at 9 days. The moderate effect on SSOs limited the estimated shelf life, as the critical limit was reached after 7 days and 8.4 days (T1 and T2). Ascorbic acid positively impacted the microbiological characteristics of mackerel fillets. Further investigation into the decay dynamics of the additive in fish products during storage is advisable.</p> Elisa D’Aguì Stella Lovisolo Tiziana Civera Felice Panebianco Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-07-01 2024-07-01 13 4 10.4081/ijfs.2024.12296 “I’m better than you”: assessing the presence of optimistic bias among Italian hunters https://www.pagepressjournals.org/ijfs/article/view/11523 <p>According to the latest scientific evidence, consumers appreciate hunted wild game meat (HWGM), but its consumption may expose them to some risks. Hunters produce HWGM, even if they may find it hard to identify themselves as food producers since in Western countries, hunting is practiced mostly as a leisure activity. Thus, hunters may underestimate the risk associated with HWGM handling, failing to preserve its safety during the production process. To test this hypothesis, our study aims to explore the presence of optimistic biases (OB) in a sample of Italian hunters. A sample of 408 hunters was asked to indicate their own risk and the perceived risk of their peers causing a foodborne disease to the final consumer, as well as the practices implemented during the phases of HWGM handling and preparation. Moreover, information about HWGM destinations, hunters’ knowledge of basic principles of food safety, and risk perceptions of HWGM preparation were collected. Our results show that hunters generally tend to perceive themselves as “better than their peers” when performing actions to preserve HWGM safety, especially if the peers are unfamiliar to the respondent. Furthermore, OB correlates knowledge of basic principles of food safety with risk perceptions of HWGM preparation-related practices. Finally, hunters perceived themselves as “nature lovers” and “hunting enthusiasts” and did not recognize their role as food producers. Therefore, our findings emphasize the importance of improving hunters’ training to preserve public health, addressing the need for more targeted strategies able to enhance hunters’ awareness of their role as food producers.</p> Annafrancesca Corradini Eugenio Demartini Roberto Viganò Maria Elena Marescotti Anna Gaviglio Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-07-17 2024-07-17 13 4 10.4081/ijfs.2024.11523 Assessment of environmental chemical contamination and histamine levels in the production of <i>Colatura di Alici di Cetara</i> https://www.pagepressjournals.org/ijfs/article/view/12357 <p><em>Colatura di alici di Cetara</em> is a fish sauce obtained from the fermented seasoning of anchovies (<em>Engraulis encrasicolus L.</em>) in salt and produced in the province of Salerno (Campania, Italy). The anchovies used in its production could indicate the degree of the ecosystem’s well-being through the study of heavy metals. Histamine represents one of the major hygienic and health concerns in fish products belonging to the <em>Engraulidae</em> family and those derived from them through enzymatic maturation. The current study aimed to: i) investigate the levels of heavy metals in anchovies; and ii) assess histamine content in two distinct production processes: the first following the protected designation of origin (PDO) protocol, which involves anchovy’s evisceration; and the second employing an experimental protocol using whole anchovies. The determined parameters were: i) heavy metals cadmium (Cd) and lead (Pb) using an atomic absorption spectrophotometer and mercury (Hg) using a direct mercury analyzer on the raw material (T0), coarse salt, and processed anchovies at T1; ii) polycyclic aromatic hydrocarbons (PAHs) using a high-performance liquid chromatography (HPLC) coupled to fluorescence detection at T1; and iii) histamine using an ultra HPLC-diode-array detection analysis at all stages throughout the process (T0 to T8). The results of the heavy metals analyzed show values below the permitted limits for Cd (0.013±0.006 mg/kg), Pb (not detected), and Hg (0.072±0.003 and 0.043±0.026 mg/kg). The PAHs were not detected. All histamine concentrations determined were below the maximum limit set by the European legislation for fish sauces. The highest values were found in the anchovies gutted at T2 (0.86±0.08), in the respective <em>colatura</em> (51.00±1.70) of the PDO procedure, and in the experimental procedure at T8 (7.00±0.60). No significant differences were found between the <em>colatura</em> obtained by both production processes. The study highlighted the importance of raw material selection and monitoring of the process for producing a product like <em>Colatura di Alici di Cetara</em>.</p> Emanuele D’Anza Marika Di Paolo Silvana Alvino Amalia Danese Vincenzo Peretti Pasquale Gallo Raffaele Marrone Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-07-09 2024-07-09 13 4 10.4081/ijfs.2024.12357 Risk analysis of critical control points of <i>Staphylococcus aureus</i> in layer farms and chicken egg distributors https://www.pagepressjournals.org/ijfs/article/view/12409 <p>Microbiological criteria play a role in verifying the critical control points (CCP), which become part of the hazard analysis, and the CCP system that guarantees quality, considering possible danger points or stages in the food production chain. Studies about <em>Staphylococcus aureus</em> in chicken eggs more extensively discuss the path, source, and level of prevalence of contamination at the final distributor or consumer. Therefore, this study investigates CCP contamination of <em>S. aureus</em> in chicken eggs and their potential consumption, which could endanger human health from the layer farm until the final distributor. This study is critical in health, public health, and veterinary medicine for preventing and controlling consumers’ security. This study done for CCP on the chain distribution of chicken eggs starts with preparing production and distribution process flow diagrams for livestock, agents/wholesalers, and retailers. Confirmation of operational production in the field/location study is based on the flow chart that has been arranged, identifying all potential dangers associated with each stage and analyzing potential risks considering every action for controlling identified hazards. The next step involves pinpointing the CCP to counteract the identified threat. An application tree decision defines the CCP, and the logical and final approach is the determination limit critical to the CCP. Analysis results in the determination of CCP contamination of <em>S. aureus</em>, indicating that chicken eggs, personal hands (farm workers, wholesalers, and retailers), shelf eggs, and feces are CCP on farms.</p> Aminah Hajah Thaha Ratmawati Malaka Wahniyati Hatta Fatma Maruddin Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-06-26 2024-06-26 13 4 10.4081/ijfs.2024.12409 Monitoring and preventing foodborne outbreaks: are we missing wastewater as a key data source? https://www.pagepressjournals.org/ijfs/article/view/12725 <p>In 2022, the number of foodborne outbreaks in Europe increased by 43.9%, highlighting the need to improve surveillance systems and design outbreak predictive tools. This review aims to assess the scientific literature describing wastewater surveillance to monitor foodborne pathogens in association with clinical data. In the selected studies, the relationship between peaks of pathogen concentration in wastewater and reported clinical cases is described. Moreover, details on analytical methods to detect and quantify pathogens as well as wastewater sampling procedures are discussed. Few papers show a statistically significant correlation between high concentrations of foodborne pathogens in wastewater and the occurrence of clinical cases. However, monitoring pathogen concentration in wastewater looks like a promising and cost-effective strategy to improve foodborne outbreak surveillance. Such a strategy can be articulated in three steps, where the first one is testing wastewater with an untargeted method, like shotgun metagenomic, to detect microorganisms belonging to different domains. The second consists of testing wastewater with a targeted method, such as quantitative polymerase chain reaction, to quantify those specific pathogens that in the metagenomic dataset display an increasing trend or exceed baseline concentration thresholds. The third involves the integrated wastewater and clinical data analysis and modeling to find meaningful epidemiological correlations and make predictions.</p> Fulvia Troja Valentina Indio Federica Savini Alessandro Seguino Andrea Serraino Alessandro Fuschi Daniel Remondini Alessandra De Cesare Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-10-10 2024-10-10 13 4 10.4081/ijfs.2024.12725 Biopreservation strategies using bacteriocins to control meat spoilage and foodborne outbreaks https://www.pagepressjournals.org/ijfs/article/view/12558 <p>Fresh meat is highly perishable, presenting challenges in spoilage mitigation and waste reduction globally. Despite the efforts, foodborne outbreaks from meat consumption persist. Biopreservation offers a natural solution to extend shelf life by managing microbial communities. However, challenges include the effective diffusion of bacteriocins through the meat matrix and the potential inhibition of starter cultures by bacteriocins targeting closely related lactic acid bacteria (LAB). LAB, predominant in meat, produce bacteriocins – small, stable peptides with broad antimicrobial properties effective across varying pH and temperature conditions. This review highlights the recent advances in the optimization of bacteriocin use, considering its structure and mode of action. Moreover, the strengths and weaknesses of different techniques for bacteriocin screening, including novel bioengineering methods, are described. Finally, we discuss the advantages and limitations of the modes of application of bacteriocins toward the preservation of fresh, cured, and novel meat products.</p> Nathália Fernandes Fouad Achemchem Ursula Gonzales-Barron Vasco Cadavez Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-10-17 2024-10-17 13 4 10.4081/ijfs.2024.12558 Comprehensive review of salmonellosis: current status of the disease and future perspectives https://www.pagepressjournals.org/ijfs/article/view/12904 <p>Salmonellosis is a significant public health concern in Saudi Arabia, with various serovars of <em>Salmonella</em> causing outbreaks and infections. The disease’s clinical presentation includes common symptoms such as diarrhea, fever, and abdominal cramps, with potential complications in severe cases. Diagnosing salmonellosis in Saudi Arabia involves a combination of traditional laboratory methods and molecular techniques to ensure accurate identification and treatment. Preventive measures and control strategies, including vaccination campaigns, food safety protocols, and public health education, have been implemented to mitigate the spread of salmonellosis. Challenges such as antimicrobial resistance, limited healthcare resources in rural areas, and underreporting of cases persist and impact the effective management of the disease. Recommendations for improving salmonellosis prevention and management include enhancing surveillance, implementing public health education campaigns, strengthening food safety regulations, promoting antimicrobial stewardship, investing in research, improving healthcare infrastructure, and fostering collaboration and coordination between sectors. Implementing these recommendations can help Saudi Arabia effectively address the challenges posed by salmonellosis and reduce the burden of the disease on public health.</p> Ohoud S. Alhumaidan Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-10-01 2024-10-01 13 4 10.4081/ijfs.2024.12904 EAVLD 2024 - 7<sup>th</sup> Congress of the European Association of Veterinary Laboratory Diagnosticians, 21st-23rd October 2024 https://www.pagepressjournals.org/ijfs/article/view/13488 <p><strong>This abstract book contains the abstracts presented at the 7<sup>th</sup> Congress of the European Association of Veterinary Laboratory Diagnosticians, 21<sup>st</sup>-23<sup>rd</sup> October 2024</strong></p> the Editors Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-12-16 2024-12-16 13 4 10.4081/ijfs.2024.13488 Italian adaptation to Regulation (EU) 2017/625 on food official controls: a case study https://www.pagepressjournals.org/ijfs/article/view/12543 <p>Foodborne diseases can be prevented by implementing a food safety system that manages food chain risks from producer to end-user, from a One Health perspective. In 2017, the European Parliament and the European Council adopted Regulation No. 625 on official food controls and other official activities performed to ensure the application of food and feed laws and rules on animal health and welfare, plant health and plant protection products. Italy issued a national law, Legislative Decree No. 27/2021, to adapt and adhere to European standards. We aim to describe the adoption and implementation of the new Legislative Decree by an Italian Food Hygiene and Nutrition Service, specifically focusing on the amendments introduced by Articles 7 and 8, namely the establishment of the second expert opinion and dispute procedures, and their integration with the promulgation of Article 70 of Legislative Decree No. 150/2022. These modifications aim to reduce the number of minor offenses that proceed to trial.</p> Camilla Lugli Marta Cecchini Domenico Maione Filomena Marseglia Tommaso Filippini Marco Vinceti Elena Righi Lucia Palandri Daniela De Vita Copyright (c) 2024 the Author(s) http://creativecommons.org/licenses/by-nc/4.0 2024-07-02 2024-07-02 13 4 10.4081/ijfs.2024.12543