Mobile banking has become very important in today’s life as technological advancements have led bank clients to use banking services. Clients’ attitudes toward mobile banking services are based on their expectations is the background of this research. So, the main objective is to observe the purposeful conduct in mind of clients to adopt mobile banking services. This study also examines the influence of six variables on financial services clients’ desire to utilize mobile banking services, including perceived benefits, perceived ease of use, trust, security, perceived privacy, and technology expertise. Consequently, the goal of this study is to find out the crucial and deciding factors that may influence clients’ willingness to use mobile banking features in Bangladesh as a developing country. The sample shaped for this research is 310 respondents from Bangladesh a developing country. For analytical purposes, SEM has been used to test hypotheses. The results show that in Bangladesh, factors like perceived value, security, and technological aptitude greatly determine whether a customer will utilize mobile banking. Financial institutions have proven to be successful in serving clients through mobile phones. Clients have made good use of mobile banking only to save money, cost, and labor. The research suggests that mobile banking operations must be timely and accurate, the transaction process must be short, interactivity, convenience of usage, and so on. The findings have important implications for bank regulatory authority, management, bankers, and executives who wish to increase mobile banking usage to secure their long-term profitability.

Social Services are vital for addressing adversity and safeguarding vulnerable individuals, presenting professionals with complex challenges that demand resilience, recovery, and continual learning. This study investigates Organizational Resilience within Community Social Services, focusing on strategic planning, adaptive capacity, and user perspectives. A cross-sectional study involved 534 professionals and service users from Community Social Services Centers in Spain. Centers were selected based on the characteristics of their population and the representativeness of their geographic location. The study utilized the Benchmark Resilience Tool (BRT) to evaluate Organizational Resilience and the SERVPERF questionnaire to gauge user-perceived service quality. The results demonstrate satisfactory levels of Organizational Resilience and user satisfaction, while also highlighting key areas for enhancing resilient strategies: reinforcement of personnel for thinking outside the box or in the resources available to the organization to face unexpected changes. These findings suggest the need to develop and optimize measures that improve the organization’s ability to adapt to and recover from adverse situations, ensuring a positive user experience. Emphasizing the importance of resilience in Social Services as a quality predictor, future research should explore innovative strategies to bolster Organizational Resilience. The findings emphasize the need to strengthen resilience in Social Services, enhancing practice, policy, and adaptability to support vulnerable populations.

 The main goal of the article is to formalize the key business models of marketing of modern companies and substantiate the key stages, types and trends of development. The relevance and need to pay significant attention to the marketing digital business model when organizing a business is substantiated. Using structural and logical analysis and criticism of scientific research, the essence, advantages and disadvantages are determined, the main blocks, stages and key elements of the structure of business models of modern companies are argued. It has been proven that marketing digital business models serve as a logical and visual plan for organizing all business processes of companies from production, marketing, sales and logistics to building a hierarchy of profitability. The key development trends are substantiated and the most popular business models of business organization in modern conditions are structured on the basis of scientific generalization, structural and logical analysis and mathematical modeling. Practical significance is characterized by the fact that the marketing business models of world-class companies are generalized and structured, taking into account their specifics and characteristics. Practical recommendations and key stages of building a company’s business model and its implementation into reality have been formed to achieve strategic business goals.

Our environment has been significantly impacted by man-made pollutants, primarily due to industries making substantial use of synthetic chemicals, resulting in significant environmental consequences. In this research investigation, the co-precipitation approach was employed for the synthesis of cellulose-based ferric oxide (Fe₂O₃/cellulose) and copper oxide nanoparticles (CuO_x-NPs). Scanning electron microscopy (SEM) analyses were conducted to determine the properties of the newly synthesised nanoparticles. Furthermore, the synthesized nanoparticles were employed for eliminating chromium from aqueous media under various conditions, including temperature, contact time, adsorbent concentration, adsorbate concentration, and pH. Additionally, the synthesised materials were used to recover Cr(VI) ions from real samples, including tap water, seawater, and industrial water, and the adsorptive capacity of both materials was evaluated under optimal conditions. The synthesis of Fe₂O₃/cellulose and CuO_x-NPs proved to be effective, as indicated by the outcomes of the study.