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.

In this paper advanced Sentiment Analysis techniques were applied to evaluate public opinions reported by rail users with respect to four major European railway companies, i.e., Trenitalia and Italo in Italy, SNCF in France and Renfe in Spain. Two powerful language models were used, RoBERTa and BERT, to analyze big amount of text data collected from a social platform dedicated to customers reviews, i.e., TrustPilot. Data concerning the four European railway companies were first collected and classified into subcategories related to different aspects of the railway sector, such as train punctuality, quality of on-board services, safety, etc. Then, the RoBERTa and BERT models were developed to understand context and nuances of natural language. This study provides a useful support for railways companies to promote strategies for improving their service.

This study investigates the relationship between hydrological processes, watershed management, and road infrastructure resilience, focusing on the impact of flooding on roads intersecting with streams in River Nile State, Sudan. Situated between 16.5° N to 18.5° N latitude and 33° E to 34° E longitude, this region faces significant flooding challenges that threaten its ecological and economic stability. Using precise Digital Elevation Models (DEMs) and advanced hydrological modeling, the research aims to identify optimal flood mitigation solutions, such as overpass bridges. The study quantifies the total road length in the area at 3572.279 km, with stream orders distributed as follows: First Order at 2276.79 km (50.7%), Second Order at 521.48 km (11.6%), Third Order at 331.26 km (7.4%), and Fourth Order at 1359.92 km (30.3%). Approximately 27% (12 out of 45) of the identified road flooding points were situated within third- and fourth-order streams, mainly along the Atbara-Shendi Road and near Al-Abidiya and Merowe. Blockages varied in distance, with the longest at 256 m in Al-Abidiya, and included additional measurements of 88, 49, 112, 106, 66, 500, and 142 m. Some locations experienced partial flood damage despite having water culverts at 7 of these points, indicating possible design flaws or insufficient hydrological analysis during construction. The findings suggest that enhanced scrutiny, potentially using high-resolution DEMs, is essential for better vulnerability assessment and management. The study proposes tailored solutions to protect infrastructure, promoting sustainability and environmental stewardship.

This research aims to test the effect that the implementation of green practices at a major sport tourism event, the Badminton World Championships in Huelva (Spain), has on the future intention of spectators to return to similar sport events. A total of 523 spectators who attended the event were randomly selected and self-administered in the presence of the interviewer. A confirmatory factor analysis of the model and a multi-group analysis were carried out. Sporting events have a great impact on the environment in which they are organised, mainly when they are linked to tourism, whether at an economic, social or environmental level. The results indicated that green practices indirectly influence spectators’ future intentions through emotions and satisfaction, direct antecedents. In addition, green practices directly affect both image and trust, and indirectly affect satisfaction. In conclusion, green practices are a variable to be taken into account when planning the organisation of a sporting event that aims to consolidate itself in the tourism and sports services market.

Physical sampling of water on site is necessary for various applications like drinking water quality checking in lakes and checking for contaminants in freshwater systems. The use of water surface vehicles is a promising technology for monitoring and sampling water bodies, and they offer several advantages over traditional monitoring methods. This project involved designing and integrating a drone controller, water collection sampling contraption unit, and a surveillance camera system into a water surface vehicle (WSV). The drone controller unit is used to operate the boat from the starting location until the location of interest and then back to the starting location. The drone controller has an autopilot system where the operator can set a course and be able to travel following the path set, whereas the WSV will fight the external forces to keep itself in the right position. The water collection sampling unit is mounted onto WSV so when it travels to the location, it can start collecting and holding water samples until it returns to the start location. The field of view (FOV) surveillance camera helps the operator to observe the surrounding location during the operation. Experiments were conducted to determine the operational capabilities of the robot boat at the Ayer Keroh Lake. The water collection sampling contraption unit collected samples from 44 targeted areas of the lake. The comprehensive examination of 14 different water quality parameters were tested from the collected water samples provides insights into the factors influencing the pollution and observation of water bodies. The successful design and development of a water surface surveillance and pollution tracking vehicle marks the key achievements of this study. The developed collection and surveillance unit holds the potential for further refinement and integration onto various other platforms. They are offering valuable assistance in water body management, coastal surveillance, and pollution tracking. This system opens up new possibilities for comprehensive water body assessments, contributing to the advancement of sustainable and efficient water testing. Through careful sampling efforts, a thorough overview of the substances presents in the water collected from Ayer Keroh Lake has been compiled. This in-depth analysis provides important insights into the lake’s current condition, offering valuable information about its ecological health.

This study investigates the link between debt and political alignment in international relations between the People’s Republic of China (PRC) and African nations. Using recorded roll-call votes on United Nations General Assembly (UNGA) resolutions, we explore whether PRC investment in sovereign debt influences the voting behaviour of loan recipient countries. We compile voting data for African countries from 2000 to 2020 to calculate an annual voting affinity score as a proxy for political alignment. Concurrently, data on Chinese public and publicly guaranteed (PPG) loans to African governments are collected. A Two-Stage Least-Squares analysis is employed, using the ratio of Chinese PPG debt to GDP as an instrument to address endogeneity. Results reveal a negative impact of Chinese lending on African political support, while trade, foreign direct investment (FDI), and Chinese GDP positively influence political alignment. In high debt-risk African countries, interest rates have a negative impact, whereas loan maturity shows a positive effect. These findings suggest that Chinese loans, particularly under commercial terms, may have strained bilateral relations due to debt sustainability concerns. Nevertheless, the positive impacts of trade and FDI may enhance international relations, highlighting the limitations of China’s loan diplomacy in fostering long-term strategic alignment in Africa.