A comprehensive survey was conducted in 2012 and 2020 to assess the financial culture of Hungarian higher education students. The findings revealed that financial training effectiveness had not improved over time. To address this, a conative examination of financial personality was initiated by the Financial Compass Foundation, which gathered over 40,000 responses from three distinct age groups: Children, high school students, and adults. The study identified key behavioral patterns, such as excessive spending and financial fragility, which were prominent across all age groups. These results informed Hungary’s seven-year strategy to enhance financial literacy and integrate economic education into the National Core Curriculum. The research is now expanding internationally with the aim of building a comparative database. The study’s main findings highlight the widespread need for improved financial education, with more than 80% of adults demonstrating risky financial behaviors. The implications of these findings suggest the importance of early financial education and tailored interventions to foster long-term financial stability. The international expansion of this research will allow for the examination of country-specific financial behaviors and provide data-driven recommendations for policy development.

This study aims to explore the urban resilience strategies and public service innovations approaches adopted by the Shanghai Government in response to COVID-19 pandemic. The study utilized a combination of primary and secondary data sources, such as government reports, policy documents, and interviews with important individuals involved in the matter. The current research focused on qualitative data and examined the different aspects resilience, including infrastructure, economy, society, ecology, and organizations. The findings indicate that infrastructure resilience plays a crucial role in maintaining the stability and dependability of essential public facilities, achieved through online education and intelligent transportation systems. Implementing rigorous waste management and pollution control measures with a focus on ecological resilience has significantly promoted environmentally sustainable development. Shanghai city has achieved economic resilience by stabilizing its finances and providing support to businesses through investments in research, technology and education. Shanghai city has enhanced its organizational resilience by fostering collaboration across several sectors, bolstering emergency management tactics and enhancing policy execution.

This study investigates the intricate relationship between a nation’s GDP growth rate and three key variables: the number of granted patents, research and development (R&D) expenditure, and education expenditure. The purpose of the research is to discern the impact of these factors on GDP growth rates. Drawing on theoretical frameworks, including Dynamic Ordinary Least Squares (DOLS), Fully Modified Ordinary Least Squares (FMOLS), and Canonical Correlation Regression (CCR) techniques, the paper employs a robust methodological approach to unveil insights into the dynamics of economic growth. Contrary to conventional assumptions, the results reveal a negative correlation between R&D expenditure and GDP growth rate. In contrast, the number of patents granted and education expenditure shows a positively significant effect on the GDP growth rate, underscoring the pivotal roles of intellectual property creation and education investment in fostering economic growth. The conclusion emphasizes the importance of a nuanced understanding of these relationships for policymakers. The research’s implications highlight the need for balanced investments in innovation and education. The originality and value of this study lie in its unique findings challenging established beliefs about the impact of R&D expenditure on economic growth.

One of the most important factors for raising living standards is the drivers supporting water conservation and water management. Individual’s attitude and emotional factors with social cognitive behavior will play an essential role. This empirical study utilizing mixed methods was carried out in Malaysia with the Y generation. The focus group consisted of 52 participants (18 men and 34 women). As for the quantitative study, 607 respondents from the Generation Y population were used with the convenience sampling method. The finding revealed that the outcome expectancy of Generation Y significantly improves water conservation with appropriate water management. Environmental factors, personal factors, and perceived self-efficacy all predicted the result expectancy, which is confirmed by identifications of reciprocal determinism.

Solar energy is a reliable and abundant resource for both heating and power generation. The current research examines how the novel class of nano-embedded Bees wax phase change materials (NEBPCMs) improves heat storage qualities. The synthetic NEBPCMs were subjected to experimental testing using, XRD, Bees wax and Al2O3 FESEM. A typical solar water heating system features a flat plate collector unit incorporating Bees Wax phase change material (NEBPCM) combined with varying concentrations of Al2O3 (0.01%, 0.015%, and 0.02%). The absorber plate surface is coated with a Nano-hybrid coating consisting of Black Paint, Al2O3, and additional Fe3O4 at a 2% concentration. Pure water is frequently used in these solar water heaters (SWH), with performance evaluations conducted using different Bees Wax and Al2O3 concentrations of NEBPCM (Bees Wax + Al2O3). The system’s efficiency is assessed across different flow rates (60, 90, and 120 kg/hr) and tilt angles (15, 30, and 45 degrees). This study aims to examine the feasibility of using PCMs to store solar energy for night time water heating, ensuring a continuous supply of hot water maximum efficiency achieved by using NEBPCM in solar water heater 52.26% at a flow rate of 120 Kg/hr, at angle of 45 degrees and Concentration 0.015%.