The ongoing dissemination of globalization and digitalization may suggest that personal relationships are becoming less crucial in the context of retail banking and financial services. In Hungary, in addition to private banking, which is associated with high income levels, personal banking also plays an important role. The objective of this study is to develop a model that can identify the factors that determine customer satisfaction and their relative importance. Furthermore, the aim is to incorporate gender and age as moderator variables to identify demographic differences in satisfaction. The analysis was conducted via a questionnaire survey in October to November 2023 employing a purposive sampling approach in a university environment, as the respondents are likely to possess the highest level of existing financial knowledge within this population. The 214 valid responses were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach, with the objective of contributing to the development of theory in this field of study. The results demonstrate that perception (β = 0.519) and reliability (β = 0.253) collectively explained 51.8% of the variance in satisfaction. Moreover, the results indicate that perception accounts for 49.2% of the variance in reliability, suggesting the existence of an indirect effect on satisfaction. Therefore, the findings suggest that, despite the advent of digital banking, face to face service remains a pertinent concern in Hungary, and financial institutions should prioritize the factors that shape customer satisfaction. The study contributes to the literature and to the development of customer loyalty strategies for banks based on these findings.

This research aims to identify best practices and policy guidelines that foster sustainable urban ecotourism. As urban areas continue to expand, integrating ecotourism into urban planning emerges as a critical approach to sustainable development. This paper compares the policies and practices of urban ecotourism development in Thailand and China, aiming to construct a sustainable framework applicable to urban ecotourism development. Employing a comparative literature review, this research synthesizes findings from peer-reviewed journals, governmental reports, and case studies published between 2000 and 2024. The analysis focuses on the policies and practices adopted by Thailand and China to promote urban ecotourism, examining their effectiveness, challenges, and outcomes. The review shows distinct approaches in the two countries, with Thailand emphasizing community-based practices and stakeholder involvement and China primarily focusing on top-down policy initiatives for urban ecotourism development. Despite differing strategies, both countries demonstrate a commitment to integrating ecotourism into urban development plans. From the environmental, socio-cultural, and economic three dimensions, key successes include enhanced biodiversity conservation, increased local community participation, and improved tourist satisfaction. Challenges such as inadequate policy implementation, environmental degradation, and the sustainability of ecotourism practices are also discussed. The conclusion is that a holistic approach to urban ecotourism development that aligns policy and practice with the principles of sustainability is meaningful. The proposed framework offers actionable insights for policymakers, urban planners, and ecotourism practitioners aiming to use the potential of ecotourism as a tool for sustainable urban development in Thailand, China, and beyond.

The purpose of this study is to identify the effects of multidimensional (fuzzy) inequalities and marginal changes on the Gini coefficients of various factors. This allows a range of social policies to be specifically targeted to reduce broader inequalities, but these policies are focused primarily on health, education, housing, sanitation, energy and drinking water. It is necessary to target policy areas that are unequally distributed, such as those with access to unevenly distributed drinking water policies. The data are from the Household and Consumption Survey of 6695 households in 2003 and 9259 households in 2011. This paper uses Lerman and Yitzhaki’s method. The results revealed that the main contributors to inequalities over the two periods were health and education. These sources have a potentially significant effect on total inequality. Health increases overall inequalities, but sources such as housing, sanitation and energy reduce them. This article provides resources to disadvantaged and vulnerable target groups. Multiple inequalities are analyzed for different subgroups of households, such as place of residence and the gender of the head of household. Analyzing fuzzy poverty inequalities makes it possible to develop targeted measures to combat poverty and inequality. This study is the first to investigate the sources of Gini’s fuzzy inequality in Chad via data analysis techniques, and in general, it is one of the few studies in Saharan Africa to be interested in this subject. Some development policies in sub-Saharan Africa should therefore focus on different sources (negative effect), sources (positive effect) and the equalization effect.