This study explores how Jordanian telecom companies can balance Internet of Things (IoT) driven automation with maintaining genuine consumer-brand connections. It seeks strategies that blend IoT automation with personalized engagement to foster lasting consumer loyalty. Employing qualitative research via semi-structured interviews with IT and customer service managers from Jordanian telecom companies. IoT-driven automation in Jordan’s telecom sector revolutionizes consumer-brand relationships by enabling data-driven personalization. It emphasizes the importance of IoT proficiency, transformed marketing strategies, and the need to balance personalization with consumer privacy. Interviews stress the significance of maintaining authentic human connections amidst automation. Strategies for Jordanian telecom firms include integrating IoT data into CRM systems, employing omnichannel marketing, balancing automation with human interaction, adopting a consumer-centric approach, mitigating security risks, and leveraging IoT insights for adaptive services. These approaches prioritize consumer trust, personalized engagement, and agile service adaptation to meet dynamic consumer preferences. This research provides actionable strategies for telecom firms on effective IoT integration, emphasizing the need to maintain genuine consumer relationships alongside technological advancements. It highlights IoT’s transformative potential while ensuring lasting consumer loyalty and business success. Future research avenues could explore longitudinal studies and the interplay between AI and IoT in telecom services.

New Institutional Economics (NIE) uses solutions from law, economics and organization. The purpose of this article is to link in a single analytical approach the institutional environment, its change in the organizations uniting in one, what is happening in contracts with agricultural lands. The explanation of this type of governance means to integrate: theoretical definitions; formal rules (laws, court decisions and other legal acts); economic institutions—means and mechanisms of exchange; legal and economic forms in which, through governance of transactions property rights are transferred and protected. In order to achieve this goal, it is necessary to present the elements of the institutional matrix that are the cause of changes in subordination and coordination. Following the process of implementing an approach for reconciling the legal and economic nature of the contract forms and integrating the states, contract organizations and transaction costs in a common model. In order to solve the research problems tasks are adapted methods from law, economics, statistics. Such are: (a) positive legal analysis of legislation; (b) historical (retrospective) method of analysis of changes; (c) discrete-structural analysis to explain the process; (d) comparative-institutional analysis to clarify alternatives and an explanation of any of the effects; (е) regression analysis to model the relationships and present possible one’s scenarios to show the direction in which changes are needed. Changes in legislation, legal forms, mechanisms and the amount of payments create new behavioral patterns that change the contract. Therefore, in retrospect, we are witnessing how the number of changes in legal acts, the amount of fees; the number of participants-administrators of the processes; the number and registers - change the number of transactions; the duration of the actions in the contracts, which ultimately predetermines the different amounts of transaction costs for agricultural lands. This interdependence was established by constructing an econometric model. The analysis presents opportunities for change that would lead to scenarios with a reduced level of transaction costs, that is, improving governance and showing the way to improve the institutional environment related to agricultural lands in Bulgaria.

This article advocates for a fundamental shift in England’s legal approach to professional negligence, particularly within the domains of accounting and audit. English law should move away from its intricate and unclear case law surrounding professional negligence towards a clearly defined test for professional misconduct. Drawing upon a comparative analysis with the legal framework in the United States, where auditors are not shielded from liability under the law, the article highlights the need for a more consistent and accountable legal landscape in England. One of the main aspects that necessitates change is the proximity test, as set out in the Caparo case, which currently prevents auditors from being held liable for negligence to investors (as third parties)—despite investors relying on auditors for their professional skill to audit accounts. As investors rely on audited accounts when making financial decisions, a well-defined test for professional negligence should align English law with international standards and empower victims to seek compensation from the auditors themselves and/or the auditors’ professional indemnity insurance. Such a change would enhance trust and transparency in the financial domain.

Consumer satisfaction can be defined as the user’s response to a service or experience compared to the user’s expectations and perceived practical benefits. After reviewing consumer satisfaction models, it can be argued that there is no single model of consumer satisfaction assessment that is suitable for every service and every region of the world, as the causes and outcomes of satisfaction often vary. The research is original in its methodology: at the beginning, a theoretical research model is presented, then hypotheses are formulated, and correlation, factorial, regression analyses were made, which results confirmed hypotheses. The crop insurance system consists of relations between the state institution regulates insurance activities, farmers, insurers and insurance intermediaries. The aim of this article is to identify the factors that determine consumer satisfaction with crop insurance and to assess their impact. The empirical study found that consumer satisfaction is determined by the factors of recognizable value, functional (process) and technical (result) quality, consumer expectations, and image. The most important factors that determine consumer satisfaction of crop insurance are recognizable value, functional quality, and consumer expectations. Consumer satisfaction can be assessed by the cost paid and the quality received, the quality expected, and the consumers’ evaluation of the services. It was found that the socio-demographic elements of consumers do not have a decisive influence on the factors that determine service satisfaction and consumer satisfaction. It is also established that socio-demographic elements of consumers (farmer experience and insurance experience) have direct statistically significant but weak links with consumer satisfaction.

The purpose of this study is to examine the experiences of project managers working in the distinct environment of clinical trial organizations as project management changes in dynamic labor markets. The literature emphasizes the changing skill set needed for project managers and stresses the value of cognitive flexibility, interpersonal skills, and lifelong learning. Nonetheless, there is still a great deal to learn about how these dynamics appear in the setting of clinical trial organizations. By investigating project managers’ perspectives and involvement in lifetime learning and skill development inside clinical trial organizations, this study seeks to close this gap. To elucidate the nuances of their professional experiences, 64 project managers were interviewed using a qualitative methodology. Key themes emerged from the thematic analysis, including the importance of interpersonal and personal qualities, the dynamic nature of abilities like creativity and critical thinking, and the strategic application of lifelong learning. The findings add new evidence to the body of knowledge by offering a sector-specific understanding of the lifelong learning needs and skill requirements for project managers in clinical trial organizations. The study emphasizes how crucial it is to continuously learn to improve healthcare outcomes and adjust to industry-specific problems. Contextual implications encompass perspectives for entities seeking to maximize training regimens and augment the flexibility of project management groups in clinical trial environments. This work advances theoretical ideas and practical concerns for lifelong learning and skill development in clinical trial organizations. It also adds subtle insights into a specialized domain to the discourse on project management.