The accessibility of FinTech services is increasing, and their convenience is making them more popular than traditional banks, particularly among Generation Z. The objective of this research is to identify and compare the factors influencing the conscious use of FinTech services among Generation Z members, who are the most active participants in this field of financial technology. The questionnaire based purposive sample consisted of Generation Z students who demonstrated adequate financial literacy and utilized FinTech, and who were learning in a university environment in Hungary and Romania. A sample of 600 respondents was selected for analysis after cleaning the data online. The methodological approach entailed the utilization of covariance-based structural equation modeling (CB-SEM). The results indicate that social influence (β = 0.18), consumer attitude (β = 0.53) and facilitating conditions intention (β = 0.11) all have a significant effect on the behavior intention, explaining 49% of the variance. In the context of performance expectation, the effect of facilitating conditions intention is not significant (p = 0.491). The motivation of Generation Z towards fintech solutions is evident in their preference for speed and ease of use. However, in order to reinforce consumer expectations and transfer the necessary experience and attitudes, it may be beneficial for service providers to adopt a partially different strategy in different countries. Generation Z can thus serve as a crucial reference point for the even more discerning expectations of subsequent generations. The findings may inform the formulation of strategies for fintech service providers to better understand customer behavior.

This research investigates the impact of digital academic supervision (DAS) on teacher professionalism (TP), with a focus on the mediating role of personal learning networks (PLNs) and their implication for educational policy. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), data were collected from 276 teachers in prestigious secondary schools in East Java, Indonesia. The study uses a regression model design to explore direct and mediated effects between DAS, PLNs, and TP. Findings demonstrate that DAS directly impacts both PLNs (0.638) and TP (0.550), while PLNs also directly influence TP (0.293). Mediated analysis indicates that DAS enhances TP through PLNs (0.187). These results underscore the importance of digital tools in academic supervision, fostering collaboration, and promoting teacher professional development. The empirical evidence supports the effectiveness of DAS in enhancing teacher professionalism, suggesting significant implications for educational policy and practice in Indonesia in terms of regulatory framework, such as data privacy and security, standardization, training programs, and certification and accreditation.

This study is about the influence of ethical leadership in both employees wellbeing and employee performance in Egypt’s tourism industry. Besides, it examines the indirect effect of ethical leadership on performance through its influence on the well-being of employees. The research was based on a quantitative research method and the surveys were self-administered, distributed and collected from a random sample of the employees of the Tourism companies. Analysis of 515 valid responses using structural equation modeling (SEM) unveiled several key findings: Ethical leadership is the main reason why both employee well-being and performance are significantly increased, and the fact that employee well-being is also the main reason for the improvement of performance. In addition, the employee well-being plays the role of the bridge between the ethical leadership and the performance. These insights are of great help for the decision-makers in the crafting of the effective leadership strategies that will lead to the creation of the thriving and high-performed work environments in Egyptian tourism sector.

This study aims to develop and validate a strategic model tailored to the unique challenges and contexts faced by micro, small, and medium-sized enterprises (MSMEs) in Ecuador, enhancing their operational efficiency and access to financing. Employing a quantitative approach, the research utilized a non-experimental, cross-sectional design to gather data from a sample of 358 companies. The study revealed that MSMEs are significantly hindered by limited access to financing, lack of managerial skills, and technological gaps. Despite these challenges, MSMEs demonstrated considerable adaptability and resilience, underscoring their critical role in the local economy. The strategic model proposed leverages Porter’s Diamond Model to identify and address the specific competitive and operational challenges encountered by these enterprises. Key findings include the necessity for enhanced financial literacy, simplified regulatory frameworks, and the integration of digital technologies to improve competitiveness. The proposed model focuses on strategic training, fostering innovation, and creating a more supportive financing environment. The implications of this study are profound, suggesting that policymakers and practitioners should streamline regulatory processes, enhance financial and technological support frameworks, and provide tailored training programs. These strategies are intended to bolster the sustainability and growth of MSMEs, contributing to broader economic development. This research contributes to the academic literature by providing empirical evidence on the challenges faced by MSMEs in developing economies and proposing a contextually adapted strategic model to mitigate these challenges, thereby enhancing their economic impact and sustainability.

Medicinal herbs have been extensively utilized in the remediation of various health conditions. Dialium guineense fruit pulp, also well known as Velvet Tamarind is widely consumed in West Africa for its dietary and medicinal properties. The study aims to analyze the phytochemical constituents, vitamin content and the in vitro antioxidant effect of Dialium guineense fruit pulp (DGFP). The phytochemical constituents, vitamins (C, E, B1-12) composition, and in vitro antioxidant activity were examined utilizing standardized analytical methods. The qualitative and quantitative phytochemical screening of the fruit pulp of Dialium guineense was also carried out; the result indicated the presence of flavonoids, alkaloids, saponins, tannins, terpenoids, phenols, steroids, and cardiac glycosides in varying concentrations. The vitamin composition revealed that vitamin C was higher than other vitamins in the fruit pulp. The DPPH (2,2-diphenyl-1-picrylhydrazyl) and nitric oxide scavenging assay showed high radical scavenging activity while the FRAP (Ferric reducing antioxidant power) assay revealed significant reducing power. This indicates that Dialium guineense fruit pulp has potential health benefits.

Investors and company managements often rely on traditional performance evaluation indicators, such as return on equity, return on assets, and other financial ratios, to explain changes in a company’s market value added (MVA). However, the effectiveness of these traditional measures in explaining market value fluctuations remains uncertain. This research aims to investigate the impact of various profitability measures, namely return on equity, gross profit margin, operating profit margin, and return on assets, on explaining changes in the MVA of pharmaceutical and chemical companies listed on the Amman Stock Exchange. To achieve the study’s objectives, we analyzed the published financial statements of a sample consisting of 14 industrial companies out of a total of 53 companies listed on the Amman Stock Exchange during the period from 2008 to 2022. Relevant financial indicators were extracted from these statements to serve the purposes of the study. Correlation coefficients were employed to measure the extent to which the independent variables (profitability measures) could interpret changes in the dependent variable (MVA). One of the most significant findings of the study is that three dimensions of profitability measures have a statistically significant impact on explaining changes in the MVA of pharmaceutical and chemical companies listed on the Amman Stock Exchange, albeit to varying degrees. This suggests that traditional profitability measures still play a crucial role in influencing market perceptions of a company’s value, despite the potential limitations of these measures in capturing the full scope of a company’s performance and potential.