This study aims to analyze the effect of financial literacy and financial education on digital financial inclusion in Mexico. The analysis is carried out with 13,554 data from the National Survey of Financial Inclusion 2021, corresponding to Mexican adults who use digital financial services. The population under study comprises people over 18 years old, residing in Mexico, disaggregated by size of locality, and divided into six geographical regions. The dichotomous Probit model is used to estimate the effect of financial literacy and sociodemographic variables on digital financial inclusion. The results show that financial literacy and financial education have a marginal effect, of 0.94% and 4.42%, respectively, on digital financial services. Results also show that the marginal effect of financial literacy and financial education is greater on the use of mobile payments than on the acquisition of online accounts or apps and online credit. The results also show that gender, locality size, educational level, income and asset holding have a statistically significant relationship with the use of digital financial services. The findings confirm that financial literacy and financial education contribute to the digital financial inclusion of Mexicans, in this sense, providing financial education can especially benefit vulnerable population groups such as those living in rural areas and those with low income and low education levels.

Personal information is a vital productive commodity in the digital economy, and its processing has seen unparalleled transformations in both breadth and depth. This article proposes to enhance the legal remedies for personal information rights in contemporary China. Research has revealed multiple practical challenges in China’s judicial practices, such as hesitance to prosecute owing to an absence of substantial legal foundation, improper distribution of the burden of proof, and inadequate integration of criminal-civil judicial safeguards for personal information. This paper advocates for China to elucidate the definition of personal information rights via legislation, enable the litigation of personal information infringement cases, and establish explicit criteria for their acceptance into judicial proceedings. Furthermore, China must develop an appropriate structure for distributing the burden of evidence. It must also use discretionary judgment to properly tackle the problems related to evaluating damages in instances of personal information violations.

This study explores the integration of data mining, customer relationship management (CRM), and strategic management to enhance the understanding of customer behavior and drive revenue growth. The main goal is the use of application of data mining techniques in customer analytics, focusing on the Extended RFM (Recency, Frequency, Monetary Value and count day) model within the context of online retailing. The Extended RFM model enhances traditional RFM analysis by incorporating customer demographics and psychographics to segment customers more effectively based on their purchasing patterns. The study further investigates the integration of the BCG (Boston Consulting Group) matrix with the Extended RFM model to provide a strategic view of customer purchase behavior in product portfolio management. By analyzing online retail customer data, this research identifies distinct customer segments and their preferences, which can inform targeted marketing strategies and personalized customer experiences. The integration of the BCG matrix allows for a nuanced understanding of which segments are inclined to purchase from different categories such as “stars” or “cash cows,” enabling businesses to align marketing efforts with customer tendencies. The findings suggest that leveraging the Extended RFM model in conjunction with the BCG matrix can lead to increased customer satisfaction, loyalty, and informed decision-making for product development and resource allocation, thereby driving growth in the competitive online retail sector. The findings are expected to contribute to the field of Infrastructure Finance by providing actionable insights for firms to refine their strategic policies in CRM.

With the increasing climate change crisis, the ongoing global energy security challenges, and the prerequisites for the development of sustainable and affordable energy for all, the need for renewable energy resources has been highlighted as a global aim of mankind. However, the worldwide deployment of renewable energy calls for large-scale financial and technological contributions which many States cannot afford. This exacerbates the need for the promotion of foreign investments in this sector, and protecting them against various threats. International Investment Agreements (IIAs) offer several substantive protections that equally serve foreign investments in this sector. Fair and Equitable Treatment (FET) clauses are among these. This is a flexible standard of treatment whose boundaries are not clearly defined so far. Investment tribunals have diverse views of this standard. Against this background, this article asks: What are the prominent international renewable energy investment threats, and how can FET clauses better contribute to alleviating these concerns? Employing a qualitative method, it analyses the legal aspects and properties of FET and concludes that the growing security and regulatory threats have formed a sort of modern legitimate expectations on the part of renewable energy investors who expect host states to protect them against such threats. Hence, IIAs and tribunals need to uphold a definite and broadly applicable FET approach to bring more consistency and predictability to arbitral awards. This would help deter many unfavourable practices against investments in this sector.

Objective: This research aims to investigate the legal dynamics of leasing agricultural land plots integrated with protective plantings, motivated by recent legislative changes that significantly influence both agricultural productivity and environmental conservation. Methods: The authors of the article used the methods of axiological, positivist, dogmatic, historical, and comparative-legal analysis. Results: The study considers the recent legislative amendments that grant agricultural producers the right to lease land with forest belts without the need for bidding. It traces the historical development of forest plantations, highlighting their major role in intensifying agricultural production. Our results reveal that the new legislative framework allows agricultural producers to lease lands with protective forest belts without bidding, a change that highlights the complexities of balancing economic efficiency with ecological sustainability. Conclusions: The research emphasizes the unique legal challenges and opportunities presented by forest belt leasing in the agricultural context. It stipulates the need for a balanced legal framework that preserves environmental integrity, protects property rights, and supports sustainable agricultural practices. This study dwells on the evolving legal landscape of forest belt leasing and its implications for agricultural land management in Russia and similar regions. The significance of this research in its comprehensive analysis of the legal, economic, and ecological dimensions of land leasing, offering a nuanced understanding of how legislative changes shape land use strategies.