BiVO₄ was hydrothermally synthesized under different preparing conditions and characterized by XRD, SEM, Raman spectrum and BET specific surface area. The influence of different pH value and annealing temperature and hydrothermal time on the morphologies and structures of the BiVO₄ samples was investigated systematically. It can be found that annealing would eliminate the effects caused by the pH of precursor, heating temperature and heating time, but preparing conditions still influenced the size and specific surface area of samples. Furthermore, the photocatalytic activities of the fabricated BiVO₄ were also evaluated by the degradation of methyl blue in aqueous solution under UV and visible light irradiation.

Diabetic retinopathy (DR) is a major cause of blindness globally. Effective screening programs are essential to mitigate this burden. This review outlines key principles and practices in implementing DR screening programs, emphasizing the roles of technology, patient education, and healthcare system integration. Our analysis highlights key principles for establishing successful screening initiatives, including the importance of regular screenings, optimal intervals, recommended technologies, and necessary infrastructure. We emphasize the roles of healthcare providers, patients, and policymakers in ensuring the effectiveness of these programs. Our recommendations aim to support the creation of robust policies that mitigate the impact of DR, ultimately improving public health outcomes and reducing the incidence of blindness due to diabetic retinopathy.

The rapid advancement of financial technology (Fintech) has revolutionized the way financial transactions are conducted, with E-payment services becoming increasingly integral to daily commerce. This paper examines consumer perceptions and attitudes towards E-payment services offered by Fintech companies, identifying key factors that influence their acceptance and usage. Employing a quantitative approach, the research integrates quantitative data from surveys and applied SEM (Structural Equation Modelling) through AMOS. Out of 450, 420 respondents have given their views on perceptual preferences and attitudes with the help of SPSS. KMO and Bartlett’s Test are executed to understand and to check the factors for implementing factor analysis further through extractions. Anticipated findings are expected to reveal a spectrum of consumer attitudes shaped by factors such as trust, security, convenience, and technological familiarity. It contributes to the existing literature by providing updated insights into consumer behaviour in the Fintech sector and suggesting actionable strategies for service providers to enhance user engagement and satisfaction. It holds the potential to inform both theoretical frameworks in technology acceptance and practical marketing strategies for Fintech companies aiming to optimize E-payment services for diverse consumer bases.

The study examines the factors shaping inflation in 2022–2023 and explores why inflation in the Hungarian economy has increased more sharply than in neighboring countries with similar structures. The research hypothesis suggests that the inflationary surge, which is notable both globally and within the European Union, is not solely due to market economy mechanisms, but also to specific circumstances in Hungary, including the state’s radical interventions aimed at curbing inflation. The study seeks to highlight these effects and provide recommendations for economic policymakers to develop a more resilient inflation policy. Additionally, it focuses on analyzing inflation in the agricultural sector. The results indicate that, alongside global inflationary pressures, several country-specific factors have driven up the inflation rate in Hungary. Energy prices have risen sharply, and some supply chains from the East have been disrupted. The country under study is less productive, and the impact of the energy price shock on the energy-intensive food industry is higher than in surrounding countries. Consequently, the exchange rate volatility in 2022–2023, combined with short- and medium-term factors, has had a significant impact on food inflation, causing substantial deviations from long-term equilibrium. The research concludes that, in addition to increasing food self-sufficiency, special attention should be given to the domestic development of the agricultural supply chain.

Women's financial literacy and financial inclusion have gained prominence in recent years. Despite progress, knowledge and access to finance remain common barriers for women, especially in emerging economies. Globally, domestic and economic violence has been recognized as a relevant social concern from a gender perspective. In this context, financial literacy and financial inclusion are considered to play a key role in reducing violence against women by empowering them with the necessary knowledge to manage their financial resources and make informed decisions. This study aims to evaluate the determinants that influence Peruvian female university students' financial literacy and financial inclusion. To this end, a theoretical behavioral model is proposed, and a survey is applied to 427 female university students. The results are analyzed using a Partial Least Squares Structural Equation Model (PLS-SEM). The results validate all the proposed hypotheses and highlight significant relationships between financial literacy and women's financial inclusion. A relevant relationship between financial attitude and financial behavior is also observed, as well as the influence of financial behavior and financial self-efficacy on financial literacy. The results also reveal that women feel capable of making important financial decisions for themselves and consider that financial literacy could help reduce gender-based violence. Based on these findings, theoretical and practical implications are raised. It highlights the proposal of a theoretical model based on antecedents, statistically validated in a sample of women in Peru, which lays the foundation for understanding financial literacy and financial inclusion in the Latin American region.

The purpose of this study is to determine the relationship between the exogenous variables (administrative support, career placement & employability, academic staff support, institutional factors, and information systems) as service delivery quality dimensions with satisfaction and moderating variable (academic and social integration) between endogenous variables (satisfaction and retention) among undergraduate students from Malaysian private higher education institutions. In order to accomplish the objectives proposed with hypotheses, a model reflecting the relationship between service delivery quality dimensions and satisfaction moderated by academic and social integration towards retention is applied. This empirical study focused on probability-stratified random sampling with a final sample size of 309 students. This study achieved statistically significant positive results by emphasizing academic and social integration as a moderating variable to achieve student retention by linking Perceived Performance Theory and Tinto’s Interactionist Theory from satisfaction to retention. Evaluation of the structural model on the coefficient of determination for the model’s predictive accuracy in this study produced an R² = 0.85 for satisfaction, suggesting nearly 85% of the variance in endogenous latent construct satisfaction is explained by all the service delivery quality dimensions linked to it. As for retention produced R² = 0.74, suggesting nearly 74% of the variance in endogenous latent construct retention is explained by all the service delivery quality dimensions linked together with satisfaction and academic and social integration as moderator. The model has a substantial effect with 0.76 in the Goodness-of-Fit index, indicating that the model has better explaining power.