The study sheds light on how service quality aspects affect customer satisfaction in the Saudi banking sector’s particular socio-cultural setting. Thus, the study examines the role of service quality dimensions on customer satisfaction in the banking industry of Saudi Arabia. The study examined how reliability, assurance, empathy, tangibility, and responsiveness affect customer satisfaction in the Saudi Arabian banking market using 250 bank clients. 250 Saudi bank customers completed a standardised questionnaire. These were normal bank customers with proper bank accounts. IBM SPSS correlational and multiple regression analysis investigated variable connections. The study found a significant favourable influence of reliability on customer satisfaction. However, assurance was not significant. Empathy had a significant impact on customer satisfaction. Tangibility shown a significant impact on customer satisfaction. Responsiveness was not significant. The study emphasises on reliability, empathy, and physical service delivery to boost banking customer happiness. The study found 3 of 5 service quality factors to be significant predictors. Service empathy, tangibility, and reliability greatly impacted customer satisfaction. Managers in Saudi banking should prioritize reliability, empathy, and tangibility to boost customer satisfaction. To keep customers happy, managers should monitor these service quality dimensions and adjust strategies based on feedback. Technology can improve service quality by streamlining processes and personalizing experiences.

This research aims to analyze the relationship between financial literacy variables and financial inclusion, the relationship between financial literacy variables and financial technology, and the relationship between financial technology variables and financial inclusion. The analysis of this research is to learn more about how financial literacy and the use of financial technology influence financial inclusion. This type of research is associative quantitative. Next, the relationship between these variables is explained using statistical formulas. Consequently, the term for this research is “quantitative research”. The study population is the number of people who use financial services. For this sampling, the purposive random sampling method was used. The following criteria are determined in sampling: 1) Minimum age 17 years, this is intended to take the minimum age standard in sampling and is considered capable of understanding the contents of the questionnaire statements. 2) Have ever used financial services. In this study, 11 question items were used to measure 3 variables, so this study used the largest range, namely 231 respondents. The intervention variable will be used as a reference for the Partial Least Square (PLS) method to analyze this research data. This study uses a causal model (causal modelling, relationships, and influence) or path analysis. The hypothesis that will be discussed in this research is tested using the Structural Equation Model (SEM), which is operated with Smart PLS. The results of this research show that financial literacy has a positive and significant impact on financial inclusion in society. Financial literacy has a positive and significant impact on financial technology. financial technology has a positive and significant impact on financial inclusion, financial technology can offset the impact of financial literacy on financial inclusion. The results of this research are used as input for the community so that they pay more attention to their internal human resources related to financial products that can be used for investment. With knowledge of the right financial products, it is hoped that they can create good financial behaviour so that an awareness of the importance of carrying out good financial planning. For financial institutions, it is hoped that this can increase easy access to financial products and services, in particular credit for businesses as additional capital for the community.

This study conducted a systematic review of the existing literature on rhythmic gymnastics. Through searching databases such as PubMed, Web of Science, and Scopus, 37 out of 2319 articles were selected, covering training and physical fitness, nutrition and metabolism, as well as sports injuries and rehabilitation. The findings revealed that: (1) Core physical training significantly enhanced athletes’ performance; (2) Inadequate nutritional intake was prevalent; (3) The incidence of sports injuries was high, particularly those resulting from overtraining. The conclusion emphasizes the need to enhance strength training, optimize nutritional management, and further investigate injury prevention and rehabilitation measures to enhance athletes’ performance and health status.

The Heating, Ventilation, Air Conditioning, and Refrigeration (HVAC&R) industry is pivotal to Europe’s goals for energy efficiency, sustainability, and technological advancement. As demand for skilled HVAC&R professionals rises, the effectiveness of educational programs in this field has become a focal point. This article explores the Portuguese case to analyze how pedagogical strategies and student motivation contribute to the quality of HVAC&R training across Europe. The study highlights innovative teaching methodologies such as active and competency-based learning, as well as the use of laboratory training and digital simulations to provide hands-on experience. Additionally, it emphasizes Bloom’s Taxonomy as a framework for curriculum development, ensuring that students advance from foundational knowledge to complex problem-solving abilities. Motivation is also identified as a critical factor for student engagement and long-term career commitment. The article concludes that a balanced integration of theoretical knowledge, practical skills, and motivational support is essential for producing highly qualified HVAC&R professionals. This approach not only meets current industry needs but also aligns with Europe’s broader environmental and technological objectives, offering valuable insights for educators, policymakers, and industry stakeholders.

This study aims to: (1) analyze the need for digital marketing capabilities in Thai MSME; (2) develop an online digital marketing course; and (3) enhance Thai MSME’s digital marketing capabilities, particularly in Thailand’s manufacturing sectors. The survey was conducted using questionnaires distributed to a sample group of 400 digital marketing staff, executives, or business owners, complemented by in-depth interviews with marketing experts, business managers, and owners, totaling 10 participants. The research findings reveal a significant demand for digital marketing skills among MSME entrepreneurs in the manufacturing sector. The top three skills identified as most crucial for enhancement are: (1) communication and marketing information presentation skills; (2) brand building and public relations; and (3) video marketing execution. The study further revealed that the design of the digital marketing course, along with the developed online learning platform, attracted and successfully enrolled 104 MSMEs who participated in the online program. The pre- and post-training assessment results demonstrated a statistically significant difference in test scores, with a mean post-training score of 16.10 ( Mean = 16.10, S.D. = 1.396), representing a notable increase from the pre-training mean score of 6.47 ( Mean = 6.47, S.D. = 3.634) at the 0.05 significance level. Furthermore, the results of the follow-up evaluation on the application of acquired knowledge revealed that the overall level of knowledge and skills application is at its highest, with an average score of 4.64. This indicates that the developed course and online learning platform effectively enhance learners’ knowledge.

This study investigates the viability and sustainability of proposed landfill sites based on the uncapacitated facility location problem framework utilising the SmartPLS4 Structural Equation Modelling. Investigating the Cape Coast Metropolis, a stratified sampling method selected 400 samples out of which 320 valid respondents were used as the basis for the analysis. Through statistical analysis, significant correlations were identified among community acceptance, environmental impact, facility accessibility, site sustainability, and operational efficiency. However, no significant correlation was found between economic viability and site sustainability. Furthermore, the proposed indirect mediation pathway from operational efficiency to site sustainability via facility accessibility was also statistically insignificant. Employing the use of SmartPLS4 approach in studying the application of uncapacitated facility location problem framework, deepens the understanding of landfill viability and sustainability dynamics. This research contributes to the environmental sciences and sustainability by providing insights into landfill management strategies and emphasising the importance of community engagement and environmental performance in achieving sustainable outcomes. Future research could refine the model by including additional variables like technological advancements and regulatory frameworks, conducting longitudinal studies to track landfill dynamics over time, and undertaking comparative studies across different geographical regions. This could provide insights into management approaches’ applicability. Interdisciplinary collaborations are recommended to address the multifaceted challenges of landfill sustainability.