In an increasingly globalized economy, businesses must engage diverse consumer groups with unique preferences and cultural nuances. Traditional marketing strategies, relying on rigid segmentation and deterministic data analysis, often fail to capture the complexities of multicultural consumer...

Traditionally, business risk management models have not taken into consideration household composition for the purposes of credit granting or project financing in order to manage the risk of default. In this research, an improvement in the risk management model was obtained by introducing...

Background: Cities worldwide face continuous challenges in sustainable development, particularly in transportation systems where decisions have long-lasting impacts on urban infrastructure and quality of life. The evaluation of sustainable transportation alternatives requires careful...