Currently, there is a unique situation in the global economy, industrial eras coexist together, there is interaction and transformation of financial systems simultaneously within the framework of Industry 4.0 and Industry 5.0. New, digital resources are entering the economy, intellectual capital is becoming virtual, artificial intelligence is increasingly finding its application in the structure of financial support. Financial intermediation in developing countries is also subject to global trends, the active development of new instruments for developing economies is especially important. The aim of the study is to identify effective ways to develop financial intermediation in Industry 5.0 for the economies of developing countries. Based on the results of the study on the development of financial institutions mediation revealed a problem related to the lack of reasonable tools that could be used to improving the efficiency of the financial intermediaries market, proposed the main directions of such a process: mobilization of savings, distribution financial assets, payment system, risk management and control over market agents involved in financial operations.

The study has formulated the objective of synthesizing the extent to which technological barriers intervene in the transparency and effectiveness of public management (PM). Methodologically, the study was of a fundamental or basic nature, with a systematic review design, the databases of Scopus (369), SciELO (2), Web of Science (184) were explored, after the review process a set of 22 articles was available. The registration was made in an Excel table where the main data of the articles were included. 32% of the articles selected for the analysis of the evidence are from the period 2020, 27% were from 2022 and 18% from the year 2023; as far as origin is concerned, 14% of the articles come from Peru and 9% from Australia, Brazil, South Korea, Spain and Indonesia. In summary, the study points out that government institutions are making progress in digitizing and improving the citizen experience through electronic services, but they face challenges in areas such as resource management, the low adoption of advanced technologies such as blockchain and artificial intelligence, as well as the lack of transparency in PM. Despite this, it is highlighted that e-government improves citizen satisfaction, and the need to invest in digital innovation, training and overcoming technological barriers to achieve an effective transformation in state administration and promote a more inclusive and advanced society is emphasized.

While some conflict can serve as a more sophisticated stimulus to student achievement, significant or unresolved conflict can delay or even frustrate even the best-planned curriculum. The aim of our study is to get a clear picture of the conflicts with whom and to what extent the international students studying on our campuses have conflicts that affect their performance, and how they can manage them. In our study, based on a questionnaire survey (n = 480), we revealed that the international students at our university have the most conflicts with other foreign students, and the least with Hungarians, including their teachers. On the other hand, we found that according to the Thomas-Kilmann Conflict Instrument, they solve their problems by the Compromising and Accommodating style. The results obtained by detailed socio-demographic aspects show significant differences, mainly between gender, age, and country groups. Knowledge of the revealed facts and connections can offer conscious and careful solutions to understand and reduce tensions, and this can improve the understanding and management of conflict in the classroom, in collaborative projects, and even in non-teaching environments on campuses.

In this paper, we examine a possible application of ordered weighted average (OWA for short) aggregation operators in the insurance industry. Aggregation operators are essential tools in decision-making when a single value is needed instead of a couple of features. Information aggregation necessarily leads to information loss, at least to a specific extent. Whether we concentrate on extreme values or middle terms, there can be cases when the most important piece of the puzzle is missing. Although the simple or weighted mean considers all the values there is a drawback: the values get the same weight regardless of their magnitude. One possible solution to this issue is the application of the so-called Ordered Weighted Averaging (OWA) operators. This is a broad class of aggregation methods, including the previously mentioned average as a special case. Moreover, using a proper parameter (the so-called orness) one can express the risk awareness of the decision-maker. Using real-life statistical data, we provide a simple model of the decision-making process of insurance companies. The model offers a decision-supporting tool for companies.

During the COVID-19 pandemic, individuals and their families faced various risk factors, which in some cases resulted in divorce. Adolescents in such families had to grapple with COVID-19 across the world, the risk factors faced by adolescents have largely been under-risk factors associated with COVID-19 and divorce. Despite the rise of divorce during studied, especially among adolescents in South Africa. This study aimed to explore the risk factors experienced by adolescents from divorced households during the COVID-19 pandemic and make recommendations for policy and development. This study employed a phenomenological research design in alignment with qualitative research. Purposive sampling was used to recruit five female adolescents in Johannesburg. Data was collected using semi-structured interviews and focus groups. Data was analyzed thematically using Braun and Clarke’s six steps of data analysis. The findings revealed that conflict at home, mental illness, physical and social isolation, a lack of paternal support, and diminished educational performance emerged as risk factors faced by the participants. These findings underscore the need for psychological interventions to help address the risk factors faced by adolescents whose parents divorced during the pandemic and those who face similar circumstances during future crises.

Consumers’ interest in green consumption has increased rapidly in recent years with heightening concerns for environmental, social, and health risks. However, increased concerns and interest of consumers may not translate to their behavioral outcome which may be attributed to socio-economic and consumers’ internal stimuli. Furthermore, contextual differences in the marketplace may influence how consumers form their green attitudes and behavior. The purpose of this study is to assess the role of consumers’ intrinsic traits such as consumers’ personal values, their self-motivation for sustainable consumption (i.e., perceived consumer effectiveness), green skepticism, and environmental involvement in their green attitude and behavior, and to see if the country-specific contextual condition may influence consumers’ behavior. In addition, price sensitivity and environmental protection emotions are considered moderating constructs to explain the gap between green attitude and green behavior. Findings from this study provide insights into understanding Chinese and Singaporean consumers’ green behavior which is driven by their intrinsic traits and by extrinsic conditions. This understanding can help companies to develop effective green marketing communication strategies and to enhance consumer engagement in sustainable activities and consumption.