The purpose of this study is to explore new financial product’s impact on the behaviour of individual investors. To analyze investors’ risk and return expectations, this article investigates trading volumes before and after the introduction of financial product innovation. An event research technique was used to gather data from the National Stock Exchange. Data was analyzed using descriptive statistics and the Sharpe ratio approach, which were provided by different investors. The research results highlight that individual investors’ overreaction behaviour is brought out by financial product innovation. Furthermore, the study’s results imply that rising trading volumes are not entirely explained by updated risk-adjusted returns and that new financial products lead to excessive trading by investors and lowering returns. Higher trading volumes are not explained by better risk-adjusted returns. Young investors often respond irrationally to information offered by financial advisors, resulting in short-term gains at the expense of long-term gains. The study demonstrates that the development of innovative financial products does not always result in investors’ long-term prosperity. Worse outcomes and excessive trading could follow from it. The paper concludes by providing various real-world implications that the benefits and drawbacks of innovative financial products should be spelled out in detail by financial institutions and representatives. his research contributes to the implementation of individual investors’ overreaction behaviour that is brought out by financial product innovation. It highlights that higher trading volumes are not explained by better risk-adjusted returns.

 Purpose: This research paper aims to assess the proficiency of tertiary education providers in engaging with online learning environments, especially in the context of the post-COVID-19 transition. The COVID-19 pandemic accelerated the adoption of online learning platforms, it is essential to understand how educational institutions have adapted and evolved in their approach to virtual education. The central research question explores how Continuous Professional Development (CPD), Technological Infrastructure (TI), and Support Systems (SS) collectively influence educators’ proficiency in online teaching (POT). Study design/methodology/approach: A comparative study was performed, comparing data collected during the COVID-19 pandemic with post-pandemic data from higher education institutions in Uzbekistan. In-depth interviews were conducted with 15 education facilitators representing both public and international educational institutions. This purposive sampling approach allows for a holistic exploration of the experiences, challenges, strategies, and preparedness of these facilitators during the transition to online learning. Manual qualitative data classification and content analysis were employed to understand themes in respondent experiences and identified actions. Findings: The study reveals the significant role of CPD, robust TI, and effective SS in enhancing the Proficiency of tertiary education providers in engaging with Online Teaching. These elements were found to be significant determinants of how well institutions and educators adapted to the shift to virtual education. The research offers valuable insights for educators, policymakers, and students, aiding in decision-making processes within academia and guiding the development and implementation of effective online teaching strategies. Originality/value: This study contributes to the existing literature by providing an in-depth understanding of the adjustments education facilitators make in response to the pandemic. It emphasizes the importance of ongoing preparation for online learning and highlights the role of digital workplace capabilities in ensuring successful interaction in virtual educational environments.

With the continuous development of our society, the education community has also put forward a series of new requirements that align with the current era.  Among them, in the teaching activities of kindergarten teachers, the effective reference of information technology is conducive to teachers guiding children to participate in learning, helping teachers to create a good teaching environment by means of information technology, and helping to expand children's vision and develop children's intelligence. However, at present, some kindergarten teachers in our country do not have information technology literacy, which hinders the growth of children. Therefore, this paper focuses on the cultivation of information technology literacy among kindergarten teachers in the new era.

The focus of the article is the evaluation of the interaction between regional state bodies and business structures in Kazakhstan, specifically in terms of the development of public-private partnerships. The purpose of the research is to enhance the understanding of the theoretical and practical aspects of the mechanism of interaction between the state and business structures. Through an examination of the various structural components of the partnership development strategy, the study aims to identify the elements of the mechanism for the implementation of the state and business development strategy. Additionally, the research seeks to establish the correlation between the outcomes of the joint entrepreneurship mechanism and the criteria used to evaluate the performance of regional state bodies. To assess the effectiveness of the interaction between business and government at the regional level in Kazakhstan, a survey-based evaluation was conducted to measure the satisfaction levels of public utilities, entrepreneurs, and businesses with the activities of local authorities. The survey also evaluated the degree of corruption among local authorities. A matrix of interaction between business and government was created, and various models and algorithms for the interaction between government representatives and business structures were studied. The research findings highlight the importance of enhancing the collaboration between the state and the business sector, promoting the implementation of public-private partnerships, and establishing social partnerships to cultivate mutually beneficial relationships.

Virginia Woolf (1882-1941) enjoys worldwide reputation among modern writers for her art of the steam-of-consciousness in the 20th century. Mrs. Dalloway is the representative novel in which Woolf well practices her writing skills and finds her true voice, drawing many researchers’ attention. This paper stands the point -- modernism, which responds to literature and society, alternation of space and time arranged by Woolf under the influence of Einstein’s modern science theories, and the disillusionment of Septimus Warren Smith discarded by his so-called modern society after World WarⅠ.