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.

This research was conducted to find out how a hybrid organization concept can be applied to various types and scopes of organizations. There are several things becoming the main focus in this hybrid organization research, namely to find out the extent to which the development of hybrid organizations in its practice when implemented and to find out what types of logic are used by various organizations in implementing hybrid organizations. The findings of the study showed that the concept of hybrid organizations has developed widely in the theory and practice of managing an organization. The concept of hybrid organizations has even been used by several sectors/fields of organizations, including small business organizations, construction projects, social enterprises, government companies, and even universities. This research concludes that the concept of a hybrid organization can be applied to various types & lines of organization because it is generally translated into the same concept in its application. However, some differences are characterized by the use of logic that each organization has that underlies the application of the hybrid organizational concept.

This work centres on the contribution of the Nigerian government’s Anchor Borrowers’ Programmes on rice production in the country. This study employs quantitative methodology and with a primary objective to dissect the efficacy of modern farming techniques facilitated by the Anchor Borrowers’ Programmes (ABP), evaluates the advantages and disadvantages inherent in rice production under this programme. Conducted within the agricultural landscape of Ebonyi State, Nigeria, this study adopts a cross-sectional survey approach to gauge the symbiotic relationship between rice production and the ABP. Targeting a cohort of rice smallholder farmers who have directly benefited from the program, the work employs stratified random sampling and purposeful selection techniques to guarantee comprehensive representation within a population of 400 respondents. This study utilizes the mixed-methods approach to data collection, including structured questionnaires administered to rice farmers in Ebonyi State, Nigeria. This research tests hypotheses by utilising statistical tools such as regression analysis. The outcome of this study underscores the imperative for continued support and refinement of the Anchor Borrowers’ Programme. Moreover, it elucidates the pivotal role of financial institutions and agricultural lending agencies in equipping farmers with the requisite skills and resources. Ultimately, this study affirms the crucial role of modern farming methodologies in propelling rice production within Ebonyi State, Nigeria. It recommends that young school leavers, especially those in the rural areas should also be encouraged to venture into agriculture through schemes such as the ABP, bank financing and innovative financing so as to help the Federal Government achieve its economic diversification drive.

Technical Pedagogical Content Knowledge (TPACK) encompasses teachers’ understanding of the intricate interplay among technology, pedagogy, and subject matter expertise, serving as the essential knowledge base for integrating technology into subject-specific instruction. Over the decade, advancements in information technology have led to the consistent application of the TPACK framework within studies on instructional technology and technology-enhanced learning, significantly advancing the evolution of contemporary teacher education in technology integration. In this paper, we utilize the Teaching and Learning Knowledge of Subjects Based on Integrated Technology (TPACK) framework to administer a questionnaire survey to teacher trainees at Chinese colleges and universities. This survey aims to evaluate the current status of their integrated technology-based subject teaching and learning knowledge. Based on the research findings, we propose strategies aimed at enhancing the educational technology integration knowledge of students pursuing integrated technology courses in colleges and universities. Furthermore, we integrate the smart classroom setting to develop a comprehensive TPACK-integrated model teaching framework. Our final objective is to offer valuable references for the progress of modern teaching skills among education students in higher education institutions.

Project risk management in the mining industry is necessary to identify, analyze and reduce uncertainty. The engineering features of mining enterprises, by their nature, require improved risk management tools. This article proves the relevance of creating a simulation model of the production process to reduce uncertainty when making investment decisions. The purpose of the study is to develop an algorithm for deciding on the economic feasibility of creating a simulation experiment. At the same time, the features and patterns of the cases for which the simulation experiment was carried out were studied. Criteria for feasibility assessment of the model introduction based on a qualitative parameters became the central idea for algorithm. The relevance of the formulated algorithm was verified by creating a simulation model of a potassium salt deposit with subsequent optimization of the production process parameters. According to the results of the experiment, the damage from the occurrence of a risk situations was estimated as a decrease in conveyor productivity by 32.6%. The proposed methods made it possible to minimize this risk of stops in the conveyor network and assess the lack of income due to the risk occurrences.