Private Organizations Research Articles

A fast and highly scalable frequent pattern mining algorithm

As the use of big data and its potential benefits become more widespread, public and private organizations around the world have realized the imperative of incorporating comprehensive and robust technologies into their business processes. In particular, companies are implementing more and more intelligent systems into their business processes, resulting in an exponential increase in the amount of data being collected and used in everyday life on a quarterly basis. Therefore, an algorithm that can efficiently explore the frequent patterns from big data will be able to productively analyze and utilize the generated data to better optimize resources and even develop new business models. Thus, in this urban data era, it is not only essential to make more efficient and accurate decisions to improve business profitability and customer satisfaction, but also a highly challenging core issue. In this study, a new approach, scalable FP mining, is proposed for the first time to achieve a certain level of performance and more efficient memory utilization despite large amounts of data. Experiment results for different data characteristics show that the best performance of the proposed method requires only 48.9% of the DP algorithm's execution time. In further experiments with increased exploration difficulty, the optimal execution time is only 37%. On specific associated databases, the proposed method maintains stable and excellent performance with 12.7% for different data characteristics. The experimental results with increasing exploration difficulty at each stage demonstrate the stability, robustness, and reliability of the proposed SFP, especially under high data complexity and exploration difficulty.

Cyber Operations in Ukraine: Emerging Patterns in Cases

The Ukrainian state has been a target of cyber-related incidents since the annexation of Crimea in 2014. Cyberattacks have targeted Ukrainian critical infrastructure, government offices, and several public and private organisations. Sometimes, these cyberattacks have caused significant impacts within the nation's borders. Some of the most well-known cyber-incidents in Ukraine include attacks on the Ukrainian electrical grid, which cut out the power supply for hundreds of thousands of people in 2015 and 2016. Attacks have also targeted presidential election systems and financial entities operating in Ukraine. The majority of attacks within Ukraine's borders have been attributed to Russian-affiliated non-state actors and organisations, and the number of attacks correlates with the escalation of the war in 2022. This implies previous cyberattacks potentially belonging to a series of hybrid operations related to the Ukrainian conflict and the general geopolitical situation since the annexation of Crimea. The paper focuses on this context by examining cyber incidents targeting Ukraine since 2014. We study the unifying factors related to Ukrainian cyber incidents, and we will discuss emerging patterns related to the attacks during the last ten years. This study will uncover the general traits of state-affiliated attacks in Ukraine, which will help uncover emerging patterns. Our particular focus will be cyber-attacks, where the target is the Ukrainian state and its critical infrastructure. We will examine methods of attacks, the attack targets, and the impacts, among other things. With the patterns emerging from our study, we can predict future cyber-attacks targeting Ukraine, providing tools for preparing for future incidents. We can use the information to improve national cyber-defences, where the attacks are likely to happen in the future. Studying the Ukrainian cases may also provide additional insights for improving cyber defences in other nation-states within the parts that apply to these nation-states and their geopolitical contexts.

Intersectoral Collaboration in Healthcare: an Overview of International Practices

Background. Health promotion and universal health coverage are among the functions of any healthcare system which include public, private and voluntary organizations providing health services to the population. However, healthcare actors cannot single-handedly ensure the accessibility of medical care to all individuals. It is intersectoral interactions that could improve the capabilities, performance and efficiency of healthcare system. Objective. To consider the possibilities of intersectoral collaboration in healthcare through the relevant examples of the implementation of intersectorality in healthcare practices. Materials and methods. Common research methods with the content analysis of international scientific articles as the main one were applied. The practices of intersectoral interaction for ensuring public health promotion and access to medical care were identified and collected from all analyzed articles. Results. Intersectoral collaboration might be carried out between various departments and authorities, educational and civil society organizations, commercial companies and other entities. The performance and efficiency of intersectoral collaboration are achieved using the specially developed tools. The international practice of intersectoral collaboration on public health protection issues has many great examples of interactions facilitating the accomplishment of different goals, such as accessibility of medical care, prevention of noncommunicable diseases, and health emergency response.

მოქნილი მუშაობის ფორმატი და დასაქმებულთა შრომის პროდუქტიულობა

Presented article examines the post-Covid-19 global pandemic work situation, which has become a new opportunity for flexible and crisis-ready organizations and institutions after the challenges experienced during the pandemic. Based on the review of international literature, the features of the post-pandemic work situation were analyzed and new opportunities in the post-pandemic work era were identified. Based on the review of existing practice and international literature, as a result of the obtained data, modern and current methods of work forms were determined, such as the transition to a completely remote work format and only working away from the workplace and working hybridly, which implies a mixed form of work and can work both at the workplace and away from the workplace. As a result of the aforementioned forms of work, the creation of new jobs has become easier and employment in several places at the same time has become available. The created situation has improved the socio-economic condition of the citizen, and the state has increased the labor force resource. The article explains the advantages and disadvantages of modern methods of work forms and generalizes them in relation to the existing international practice. The results of the study will be of interest to employers facing the challenges created by the global pandemic, to industry specialists and individual experts, however, the attitudes and needs of employees towards modern work methods are a separate subject of research, since the part of the workforce of the labor market is not fully capable of actively using modern digital technologies. The article will be of interest to scientists, public and private organizations, employers, and experts working on labor market research and employment issues.

Individual and Organizational Ductility: Conceptualization, Development, and Validation of a New Scale.

In this article, we conceptualize a new construct named "ductility" and propose a measurement instrument. We examine psychometric properties-the factorial validity and reliability of the Ductility Scale in Italy. The results of exploratory factor analysis showed that the scale has a two-factor structure, namely, individual and organizational ductility. The scale reliability was excellent for both dimensions (individual ω = 0.82; organizational ω = 0.85). The participants were employees from private and public organizations (n = 466). We tested the construct validity of the Ductility Scale. The invariance of the measurement model tested via multigroup confirmative factor analysis showed that the Ductility Scale was invariant across gender. In addition, we found ductility to be positively related to proactive personality and work engagement. These preliminary results show that the Ductility Scale is a reliable and valid measure. In addition, our findings illustrate the potential usefulness of the ductility construct via the newly developed scale.

Identifying, Mapping, and Analyzing Stakeholders of Tomato Value Chain

The research aims to optimize the efficiency of tomato value chain by mapping and analyzing various stakeholders. The study was taken as a part of the Research work of MBA (Agribusiness) carried out at Madanapalli taluka of Chittoor district in Andhra Pradesh. The complete research design work is based on primary and secondary data collected through a structured questionnaire and from the Madanapalli Agriculture Produce Marketing Committee, annual reports of the National Horticultural Board, and articles from the World Processing Tomato Council. A multistage sampling technique was used for selection and Descriptive statistics, value chain analysis was carried out to identify the key activities within the industry. A value chain map illustrates the journey of tomatoes from production to the consumer, highlighting the various stages and processors involved along the way. The connections are displayed in a vertical manner from the left to the right side. At the top, the main functions of the chain are listed. These functions encompass input supply, production, trading, marketing/processing, and consumption. The vertical progression from the left to the right side illustrates the individuals engaged in performing the various functions. Displayed on the left side, the enablers help and support the actors in performing their roles. These enablers primarily include formal and informal institutions, as well as private organizations. The study concludes that lack of access to credit, Huge loss of raw produce in a glut situation, Inadequate infrastructure, seasonal fluctuations in business, and intense competition within a limited timeframe pose significant challenges in the tomato value chain. The lack of incentives for quality differentiation further exacerbates these issues. The chain's lack of transparency allows middlemen to wield control, leaving farmers with little ability to market their produce effectively.

Stakeholder collaboration in tourism governance in Ghana

This paper analyses stakeholder collaboration in tourism governance in Ghana. It further examines the forms and rationale of stakeholder collaboration and the extent of stakeholder collaborations. The paper deployed the qualitative approach in research, descriptive research design and purposively selected 14 participants from public and private sector tourism organisations and local communities in Ghana’s tourism industry. These participants were selected based on their knowledge and experience in the tourism industry. The data was collected using in-depth interviews (IDI). The responses of participants were analysed inductively and deductively. Two key findings emerged from the study. First, it was found that there is a discernible line of authority where authority comes from the top management in the sector. Secondly, collaboration in the tourism sector is not well established.

Engagement in the digital age: Understanding “what works” for participatory technologies in environmental decision-making

Effective engagement is crucial for enhancing environmental decision-making processes, fostering more sustainable and equitable outcomes. However, the success of engagement is highly variable and context-dependent. While theoretical frameworks have been developed to explain outcome variance in engagement in environmental decision-making, they have not yet been tested in digital contexts, leaving their applicability to digital engagement processes unclear. More broadly, there are unanswered questions about the effectiveness of digital tools in achieving the goals of engagement, which have become increasingly pertinent amidst growing concerns about the potential of digital technologies for exacerbating exclusions, ethical issues, and systematically undermining democratic progress. This paper addresses this evidence gap by presenting findings from interviews with practitioners in UK public, private, and third sector organisations. Our results provide empirical insights into the technical, ethical, and inclusivity debates surrounding digital tools and their effectiveness in promoting accessible engagement, high-quality social interaction, place-based decision-making, and more trustworthy and credible outcomes. Our findings indicate that while current engagement theories are applicable to digital environments, the key explanatory factors acquire new dimensions in digital compared to in-person contexts. Drawing on the findings, this study contributes novel insights to expand current theory for explaining “what works” in engagement in environmental decisions, enhancing its relevance and applicability in the digital age. The paper concludes with evidence-led recommendations for environmental practitioners to improve engagement processes in digital and remote settings.

Trends in Innovative Marketing Communication for Sustainable Environment during B.E. 2023 – 2032

This research was a mixed method research by used the Delphi Technique of Futures Research. The purposes were: To study Trends in Innovative Marketing Communication for Sustainable Environment during B.E. 2023 – 2032. The sample group used in this research is Group of marketers and marketing communicators who work within organizations, agencies and companies which have a guideline for conducting business regarding environmental conservation. Data were analysed using the median, mode, difference between the mode and median and interquartile range. The results of the study found that trends in innovative marketing communication for sustainable environment during B.E. 2023 – 2032 have been divided into 8 areas as followed. 1. Strategy: Companies will use sustainable development as a key factor in their long-term competitiveness. 2. Corporate Social Responsibility (CSR) for the future: Companies will attend to Socially Responsible Business Practices (CSR). 3. Innovation: Companies will have a tendency to devise and develop new technological innovations. that is overall environmentally friendly. 4. Consumer area: Consumers tend to have a more conscience towards the environment. 5. Factors affect the behaviour of consumers purchasing environmentally friendly products: Marketing communication and price factors were still factors affecting the behaviour of consumers purchasing environmentally friendly products. 6. Marketing problems and obstacles: Products and packaging will be able to move towards being biodegradable and reusable with little or no damage to the environment. There was a tendency for the public and private sectors to participate in providing support in marketing and sales promotions. 7. Problems and obstacles in marketing communications: Companies have to present environmental content and information clearly to consumers. 8. The role of public and private organizations: Companies have to organize training to create environmental awareness among employees to be cultivated and dissolved behaviours for employees in both the public and private sectors.

Contribution of Agroecological Practices to Household Food Availability: A Case Study of Singida District

Globally, there are urgent calls for transformation of agriculture and food systems to address food unavailability, food insecurity and environmental challenges. Agroecological practices have been promoted as one of the solutions, which have potential to address these challenges. Nonetheless, there is limited evidence regarding the question whether agroecology can indeed enhance food availability among smallholder farmers in Sub-Saharan Africa, Tanzania inclusive. Thus, the study was conducted to examines how the implementation of agroecological practices contribute to achieving food availability at household level by comparing between farmers who are members of Farmer Research Network (FRN) (implementers) and non-FRN farmers (non-implementers) using a case of Singida district. The study employed a cross-sectional research design, and an integration of both quantitative and qualitative data collection and analysis methods. Interviews involved a total of 160 respondents who were randomly selected from household sampling frameworks. Focus group discussions (FGDs) and in-depth interviews were conducted to gather complementary data. On one hand, quantitative data were analyzed using Statistical Package for Social Sciences (SPSS) software whereby descriptive statistics and an inferential statistic (multiple linear regression) were determined. On the other hand, qualitative data were analyzed using thematic content analysis. The findings revealed, more than half (68%) and 15% of FRN farmers were in the medium and high categories of implementation of agroecological practices, contrary to non-FRN farmers, the majority (76%) were in low and none in high categories respectively. Based on alaysed data, the most common applied practices by both FRN and non-FRN farmers were: (i) the use of organic fertilizers (farm yard manure and compost manure (96%); (ii) intercropping (88%); (iii) crop rotation (82%); and integration of crop and livestock (79%). In addition, results indicate a significant association between the level of implementation of agroecological practices and food availability (p-value = 0.000). FRNs’ farmers were food secure as compared to non-FRN farmers just due to campaign and capacity building training offered to them. There is a need for a capacity development program to speed up agroecological intensification for sustainable food systems. Thus, it is very essential for public and private organizations to develop capacity building strategies or programmes to impart farmers with knowledge and skills on agroecological revolution.

Development of Pidgin English Hate Speech Classification System for Social Media

With the widespread use of social media, people from all walks of life—individuals, friends, family, public and private organizations, business communities, states, and entire nations—are exchanging information in various formats, including text, messages, audio, video, cartons, and pictures. Social media also facilitates the distribution and propagation of hate speech, despite the immense benefits of knowledge sharing through these platforms. The purpose of this work was to construct a text-based, Pidgin English hate speech classification system (HSCS) in social media, taking into account the alarming rate at which hate speech is shared and propagated on social media, as well as the negative effects of hate speech on society. We used text data sets in Pidgin English that were taken from Twitter and Facebook (3,153). To train the Support Vector Machine (SVM) text classifier to identify hate speech in Pidgin English, 70% of the Pidgin English data set was annotated. The SVM classifier's performance was tested and assessed using the remaining thirty percent of the Pidgin English text data set. The test set findings' confusion matrix, as determined by the HSCS performance evaluation, was 62.04%, 64.42%, 0.7541, 0.6947, and 0.64 in terms of accuracy, precision, recall, F1-score, and Receiver Operating Characteristics (ROC) curve. When HSCS was compared to other Machine Learning (ML) classifiers, such as Logistic Regression (LR), Random Forest (RF), and Naive Bayes, the results showed that LR had accuracy and precision of 61.51% and 63.89%, RF had 54.88% and 50.65%, and Naive Bayes had 61.51% and 63.89%.

What Do We Know about Age Management Practices in Public and Private Institutions in Scandinavia?—A Public Health Perspective

In view of global population ageing and of policies that support longer working lives, especially in developed countries, it is important to achieve diversity in organisations through age management. Age management is the “management of human resources, [often] with an explicit focus on the requirements of an ageing workforce.” Through age management practices, organisations will be better able to change their human resource management policies and practices towards accommodating their ageing workforce. Little is known about age management practices in Scandinavian organisations, considering the region’s high prevalence of workers beyond the age of 50 across both private and public organisations. There are indications that Scandinavian business organisations are already practicing age management for all ages, including older workers. Their age management practices include the dimensions of job recruitment, training, lifelong learning, development, and promotion. However, there is a dearth of knowledge on how the health and well-being of workers is ensured in the context of age management practices in these organisations. Given the current and future importance of age management for all organisations globally, public health and other health science professionals need to collaborate with other disciplines, such as management and sustainability science, to better understand how they can contribute to an aged and healthier workforce as well as workplace health promotion. This paper aims to contribute to the discussion concerning age management in public and private institutions in Scandinavia through the public health lens.

NEFT SƏNAYESİNDƏ TEXNOLOJİ İNKİŞAF

The role of oil in the world economy is known to everyone. For this reason, the application of more advanced technologies in the production of black gold can be considered a forced measure. Improvement of existing production methods is a great driving force for the development of scientific and research works in this field. It can be said that the most important trend in the development of scientific achievements in all fields is the creation of new environmental technologies. Of course, this trend has not bypassed the oil industry. To this end, in 2020, most countries began to allocate additional funding for research projects in the field of lowcarbon energy. Thus, due to the crisis of the time, there was clearly a decline in R&D spending by private organizations. The International Energy Agency estimates that by 2030, the amount of funding allocated to research on large-scale low-carbon energy technologies by various countries will be $50 billion. Of particular note is Japan's planned investment of about 20 billion dollars. The article will discuss the main directions of the mentioned research and development activities and new technologies.

A Study of the Impact of Digitalization in HR in Private Organization

In the past human resources management mainly focused on tasks such, as keeping track of employees handling payments and managing benefits. However, there has been a shift towards planning. Aligning HR practices with organizational goals. This shift emphasizes talent acquisition, employee development and performance management. Employee management is crucial for any organization as it involves supervising and coordinating the workforce to achieve objectives. With the advancements in technology over the year’s employee management has evolved through human resource management. Digital HRM goes beyond technology utilization it integrates “cutting edge technologies like cloud computing, artificial intelligence (AI) machine learning (ML)” analytics tools and social media platforms into core HR goals. This study delves into how the implementation of technologies has impacted the way resources (HR) functions are managed at private organizations, in Oman. It seeks to uncover the changes brought about by digitalization in HR processes like recruitment, onboarding and employee record keeping. The research also explores the reasons behind organization’s adoption of tools in their HR operations and how the level of readiness influences the success of their digital HR endeavors.

The role of authenticity, involvement and experience quality in heritage destinations

This research explores the impact of authenticity and involvement on destination image, aiming to comprehend visitor satisfaction, experience quality, re-patronage intentions, willingness to pay more, and word-of-mouth. Structural equation modelling was employed for analysis using data from 394 visitors to Side, Turkey. According to research findings, authenticity and involvement positively influence destination image. The findings demonstrate that developing re-patronage intentions, word-of-mouth recommendations, and willingness to pay more can be facilitated through experience quality and satisfaction. Also, it is proved that satisfaction is positively influenced by destination image. Moreover, authenticity and involvement positively influence destination image. According to research results, to increase willingness to pay, it is imperative to offer a high-quality cultural tourism experience, wherein tourists gain knowledge about the heritage destination and enjoy the experience while deeply engaging with the surroundings. Furthermore, public and private organisations should design visitor experiences that consider authenticity and involvement to enhance destination image and increase customer satisfaction.

Dynamics of Ageing in Akoko Area of Ondo State Nigeria: Challenges of Public Welfare for the Aged

Objectives: The purpose of this study is to investigates the dynamics of ageing in Akoko Land of Ondo State Nigeria and challenges of public welfare for the aged. The Study was anchored on disengagement theory to explain the inevitable process of disengagement as a rewarding and universal that must be mutually agreed upon. Methods: Both quantitative and qualitative data were collected from randomly selected respondents and key informant participants numbering one hundred and forty (140). The quantitative data collected from 120 respondents were analyzed with statistical package for the social sciences, while the qualitative data collected from 20 participants were analyzed using content analysis. Results: Findings revealed that the aged were relatively neglected in term of care and social security. Majority of the respondents 94.2% agreed that extended family system alone cannot stand as a social insurance for the aged. 90% agreed that improvement in the social care and security policies across public and private organization would help to alleviate most aged poverty level. Conclusions: This study recommends, among others, that every family should extend mutual love and care gesture towards their ageing cohort, the aged should themselves engage in proper future savings and investments, while the society, through the non-governmental organizations (NGOs) and the Government should intensify their efforts to provide social security, public infrastructure, medical facility, prompt pension and retirement benefit payment in order to assure graceful ageing for every aged cohort in the society.

IMPROVING PUBLIC MANAGEMENT THROUGH THE PARTICIPATION OF CIVIL SERVANTS IN PROFESSIONAL TRAINING PROGRAMS

The paper presents an analysis of the evolution of the improvement of the civil servants in the mayoralties of Romania in the period before the COVID 19 pandemic compared to the pandemic and post COVID 19 period, focusing on the need to digitize public institutions, a strong need for the challenges posed by the pandemic to both public institutions and private organisations, and last but not least to citizens as consumers of public services. The study presented in the paper aims to analyze how the professional training process was conducted in the 3 mentioned periods, to identify the advantages, respectively, the disadvantages of carrying out professional training programs among civil servants and identify the most efficient and preferred way for civil servants to carry out professional training.

Analyzing shared mobility markets in Europe: A comparative analysis of shared mobility schemes across 311 European cities

The progression of shared mobility across Europe is remarkable. While station-based car and bike sharing have a more extended history, particularly in major European (capital) cities, recent advancements in modal types and operational models have significantly transformed the shared mobility landscape. Rapid expansion by private organisations has broadened access to shared mobility services across Europe. However, not all European cities are considered potentially viable markets due to local factors such as stringent regulatory frameworks and unfavourable economic conditions. The composition of the local offerings influences how citizens use these services, impacting travel behaviour and the local transport networks differently. Therefore, understanding the availability of various shared mobility schemes across Europe is essential for comprehending the market structure, its development, the providers' decision drivers, and the potential consequences for local transportation systems.First, this paper presents data on various segments and features of the shared mobility market across European cities with more than 100.000 inhabitants. Second, two cluster approaches, i.e. k-means and latent class clustering analysis (LCCA), are conducted to structure this European market. Third, the contextual characteristics, such as socio-demographics, the built environment and the geography, are compared among the clusters using Dunn testing.The results depict that the market is very fragmented, ranging from cities with a minimal offer (i.e. one type of modality available) to cities with a very competitive market consisting of numerous modalities and operators.As expected, the most comprehensive offer of shared mobility is found in cities with the highest economic potential, measured by GDP per capita and population size. However, these cities tend to impose stricter regulations and invest in public schemes, especially for bike and car sharing, affecting the share of private operators. This may explain why private scooter sharing companies are willing to operate in smaller cities that initially seem to lack the economic conditions to accommodate a profitable sharing scheme. In cities where scooters are absent, mainly in Dutch cities, free-floating moped- and bike-sharing schemes have acted as a surrogate. Still, the comprehensiveness of the offer in these cities is considerable, suggesting that even with strict regulatory frameworks, other factors like infrastructure can create an attractive environment for operators. Overall, shared mobility is well-developed in European cities, meaning that many people are already aware of or have access to some form of shared mobility. This provides opportunities for other less-developed modalities, such as cargo bicycles, to further expand and offer specific use cases for car replacement. Therefore, future research could follow up on market developments to understand how various segments evolve and to examine the role of different policy frameworks more thoroughly.

Higher education and graduates' success in the labor market

This study reflects one of the aspects of social stratification; the relationship between education and economic remuneration is traced. The purpose of the study is to reveal the correlation of skills and competencies acquired during education and the graduates' employment. Over time, universities have begun to pay more attention to social and cognitive skills that are considered important for the modern labor market: critical thinking, teamwork, communication, problem solving without micromanagement. The data show the current state of affairs in higher education and in the labor market, where universities, to a greater extent, focus on competencies related to research and scientific activities, without relying on the opinions of employers. On the other hand, employers want to see graduates with a set of professional competencies that will allow them to perform their job duties without a long period of internal training. The work uses general scientific approaches to the study of the transformation of higher education, in particular, the method of institutional analysis was applied. The analyzed data allow us to take a look at the tasks that higher education faces at this stage. It was found that the link between diplomas and real skills, as well as economic rewards, is optional. Over time, universities have begun to pay more attention to social and cognitive skills that are considered important for the modern labor market: critical thinking, teamwork, communication, problem solving without micromanagement. At the same time, the problem of the slow response of higher education to the changing reality remains, in this regard, recommendations are given on monitoring feedback from graduates and employers (using quantitative and qualitative methods), so that universities will be able to adapt the courses taught more effectively. Especially important is the interaction of universities with public and private organizations that will immerse students in real work processes corresponding to the specialty.

Electronic Money Institution and Protection Framework

This study aims to address a notable gap in the existing literature concerning electronic money (e-money) in Malaysia. While numerous studies have explored advantages and disadvantages of e-money, consumer behaviors and general issues on e-money, there remains limited understanding of e-money-related institutions and the protective measures they afford. Employing a structured interview guide, primary data were gathered from professionals actively engaged in the e-money sector, who concurrently serve as users. Additionally, secondary data were extracted and analysed from official government websites. Semi-structured interviews formed the primary data collection method, and an in-depth thematic analysis was conducted using Computer Assisted Qualitative Data Analysis Software (CAQDAS), specifically Atlas.ti version 22. The study identifies four key institutions contributing to e-money consumer protection: government entities, private organizations, nongovernmental institutions (NGOs), and international entities. Moreover, it delineates five types of protection extended to e-money consumers during payment transactions. These protections encompass security measures, safeguards provided by the Central Bank of Malaysia, merchant-based protections, measures enacted by Telecommunications Companies (TELCOs) and Electronic Money Institutions (EMIs) as well as non-governmental organisations (NGO). The findings of this research offer valuable insights for practitioners and policymakers involved in the e-money ecosystem. Understanding the diverse institutions and protection mechanisms is crucial for fostering a secure and reliable e-money environment for consumers. This research contributes significantly to the current body of literature by presenting insights derived directly from experts with firsthand experience in e-money institutions and protective measures. The study enriches our understanding of the multifaceted landscape of e-money consumer protection, filling a crucial research gap in the existing knowledge base.