The ongoing dissemination of globalization and digitalization may suggest that personal relationships are becoming less crucial in the context of retail banking and financial services. In Hungary, in addition to private banking, which is associated with high income levels, personal banking also plays an important role. The objective of this study is to develop a model that can identify the factors that determine customer satisfaction and their relative importance. Furthermore, the aim is to incorporate gender and age as moderator variables to identify demographic differences in satisfaction. The analysis was conducted via a questionnaire survey in October to November 2023 employing a purposive sampling approach in a university environment, as the respondents are likely to possess the highest level of existing financial knowledge within this population. The 214 valid responses were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach, with the objective of contributing to the development of theory in this field of study. The results demonstrate that perception (β = 0.519) and reliability (β = 0.253) collectively explained 51.8% of the variance in satisfaction. Moreover, the results indicate that perception accounts for 49.2% of the variance in reliability, suggesting the existence of an indirect effect on satisfaction. Therefore, the findings suggest that, despite the advent of digital banking, face to face service remains a pertinent concern in Hungary, and financial institutions should prioritize the factors that shape customer satisfaction. The study contributes to the literature and to the development of customer loyalty strategies for banks based on these findings.

Purpose: This study investigates the mediating effect of Environmental Attachment (EA) among consumers in an emerging market, concentrating on the impact of two key factors: Green Environmental Awareness (GEA) and Sense of Responsibility (SOR) on Sustainable Product Consumption (SPC). Design/methodology/approach: A thorough online survey was carried out with Google Docs and distributed to 304 Pakistani consumers who now use or are considering purchasing sustainable or green products. Structural Equation Modeling (SEM) was used to rigorously test the suggested model utilizing a non-probability sampling technique, specifically the stratified purposive sampling approach. Findings: Green environmental awareness (GEA) and a sense of responsibility (SOR) have been shown to have a substantial impact on creating environmental attachment (EA) in both existing and potential customers of sustainable products. The findings of this study also revealed that environmental attachment (EA) plays an important role as a mediator in the links between green environmental awareness (GEA) and the consumption of sustainable goods (SPC), as well as between a sense of responsibility (SOR) and SPC. Despite this, it is crucial to note that the projected direct effect of GEA on SPC was shown to be statistically insignificant. This conclusion implies that additional factors outside the scope of this study may influence the relationship between GEA and SPC. Research limitations/implications: It is vital to highlight that the focus of this study is on an online sample of consumers near Punjab, Pakistan. Future studies should look at other parts of Pakistan to acquire a more complete picture of sustainable consumption trends. Furthermore, our findings suggest that characteristics impacting sustainable consumption, such as Green Environmental Awareness (GEA) and Sense of Responsibility (SOR), may differ among countries. As a result, performing a comparison analysis involving two or more countries could provide valuable insights into projecting sustainable product consumption among current and potential sustainable product customers. Originality/Value: This study contributes to the literature by investigating the factors of sustainable consumption using the lens of the Norm Activation Model theory (NAM), notably Green Environmental Awareness (GEA) and Sense of Responsibility (SOR), to predict sustainable product consumption. The findings are important for promoting long-term goals in Pakistan and provide a framework that can be applied in other emerging markets.

Based on the research on 31 provincial-level administrative regions at the end of 2022, we used the geographic concentration index, geographic imbalance index, SPSS and ARCGIS spatial analysis techniques to study the spatial distribution, distribution factor correlation, and accessibility of national 5A-level scenic spots. The research results show that the overall distribution of my country's 5A-level scenic spots is unbalanced, with a low degree of concentration, showing a pattern of denseness in the east and sparseness in the west, with large inter-provincial differences. The density of traffic highways is positively correlated with the distribution density of 5A-level scenic spots. The traffic lines in the central and eastern regions are dense, and there are a large number of 5A-level scenic spots, especially the Beijing-Tianjin-Hebei region, the Yangtze River Delta region, and the middle and lower reaches of the Yangtze River and Yellow River. Therefore, the spatial distribution of China's 5A-level tourist attractions is mainly affected by the interaction of economic, transportation and social factors, among which GDP, transportation network and attraction of scenic spots are the most critical factors. These research results can provide a reference for optimizing the spatial layout of China's scenic resources and promoting regional socio-economic development.

Disability inclusion is important to ensure everybody has the same opportunities in society, which is critical in achieving the Sustainable Development Goals. Persons with Disabilities (PWDs) are one of the marginalized communities and most of them are living in poverty. Disabilities encounter many challenges internally and externally due to their disabilities. They are struggling to keep their jobs due to their own self-confidence and social stigma and entrepreneurship is said to be the best option for PWDs to gain economic liberation. However, many PWDs still depend on government assistance and public donations instead of starting their own business. This study investigates the mediating effect of entrepreneurial motivation on the relationship between internal and external factors of PWDs’ perceptions of entrepreneurship in Malaysia. A quantitative approach to the survey was carried out. A sample of seventy-seven PWDs was gathered using face-to-face and online surveys through purposive sampling. The data were analyzed using structural equation modelling. The results show that only internal factors influence PWDs’ entrepreneurial personal perception. Entrepreneurial motivation plays a crucial mediating role in the relationship between internal and external factors and entrepreneurial personal perception. The study is helpful for the relevant parties to assist PWDs in becoming financially independent through entrepreneurship by focusing more on their internal strengths. Proper training and coaching assist PWDs in being more resilient when facing adversity.