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Everyday living is intrinsically risky due to the abundance of unknowns in our surroundings. Risk is inherent in every activity, whether it is managing a property or company or just getting from point A to point B. An important financial tool for mitigating the effects of these risks is insurance. Life and general insurance are the two primary categories. Only general insurance, which protects homes, vehicles, health, travel, and businesses against risks including fire, theft, legal liability, and accidents, will be discussed in this article. Private sector involvement, public awareness of the market, pricing competition, new product creation, technology, and the emergence of TPAs are some of the many reasons that have led to the general insurance industry’s explosive growth in India in the post-liberalization period. Public sector insurers have faced pressure to modernize their offerings and improve their efficiency due to heightened competition and improved customer access. The Insurance Regulatory and Development Authority of India (IRDAI) plays a pivotal role in shaping the industry by enforcing regulations, fostering transparency, and fostering healthy competition. Instead of only acting as a safety net, general insurance in India has grown to be an essential component of the macroeconomic framework of the nation, contributing significantly to GDP, capital formation, risk management infrastructure, and overall economic resilience. This study examines the macroeconomic relevance of the general insurance industry in India, with a particular focus on the sector’s contributions to long-term economic sustainability, job creation, infrastructure development, and financial stability. It also explores the constantly shifting trends in the industry’s growth, the regulatory landscape, and the vital role insurance plays in securing India’s economic future.

The Sustainable Development Goals (SDGs) for 2030 strive with the inevitable insight of encompassed aspirations of accomplishing the essentials of existing years with the optimistic consideration of the requirements of prospective society with harmonious recurrence. In this conceptual framework, there is the study involved with the paradigmatic prevision of futuristic coexistence with the panoramas of hindsight, foresight, and insight of sustainability standards with the inevitable facets of legislation, ecological equilibrium, and initiative aspirations of individual, society, nations and global community as a whole. The upshots of connotations from diverse intents of ecological tranquility with the precepts of environmental economics are a constructive reinforcement that instantaneous, and endurable integrated endeavors are mandated to restore and remind the sense of unified resilience to protect our only one environment. Therefore, this article meticulously envisages the essential facets which are confluent with the inescapable ideals of forestation, protection, and sustainable development by the compromises of win-win destinations of environmental thriving without compromising the irreducible prerequisites of survival serendipities of prospective living things in the futuristic phenomenon.

Work-life balance has become a critical concern in today’s evolving work environment, where technological advancements and changing job demands have blurred the boundaries between professional and personal life. This study aims to examine employees’ perceptions of work-life balance and evaluate the effectiveness of organizational practices in promoting employee well-being. The research focuses on key factors such as flexible working hours, remote work opportunities, workload management, wellness programs, and organizational support for personal commitments. The study is based on both primary and secondary data. Primary data were collected from 120 respondents using a structured questionnaire, and the data were analyzed using the One-Sample t-test with a test value of 3. The findings reveal that remote work opportunities, wellness programs, and manageable workload significantly contribute to employee well-being, indicating strong organizational performance in these areas. However, factors such as flexible working hours, paid leave availability, support for personal commitments, encouragement for work-life balance, and clear boundaries between work and personal life show no significant difference, reflecting a neutral perception among employees. The study concludes that while organizations have made progress in adopting modern work practices and supporting employee well-being, there are still gaps in traditional work-life balance policies. Strengthening these areas can help organizations create a more balanced and supportive work environment, ultimately enhancing employee satisfaction, productivity, and overall organizational effectiveness.

The growing spread of platform-based delivery services has made gig work a significant feature of the modern labour market, raising concerns related to ethics, professional standards, and worker welfare. In this context, the study examines the socio-economic characteristics, working conditions, and work-related satisfaction of delivery gig workers in Kannur district of Keralam, with particular focus on working hours, remuneration, leisure time, and job-related stress based on survey data collected from 100 delivery gig workers located in the district. The analysis makes use of descriptive statistics, mean score analysis, ranking methods, and a composite index designed to measure work-related satisfaction of gig workers. The results indicate that 70 percent of respondents fall within the 18-25 age group and 80 percent are unmarried, pointing to a high concentration of young individuals entering gig employment. 48 percent of workers reported working less than six hours per day, 94 percent earned below Rs. 20,000 per month highlighting income instability, despite flexible work arrangements. The work-related satisfaction index recorded a moderate score of 2.88, largely driven by pronounced dissatisfaction with job safety and security, as 88 percent of respondents expressed dissatisfaction in this regard. In addition, 78 percent of gig workers were not covered under provident fund schemes and 84 percent lacked any form of insurance, revealing substantial deficiencies in worker welfare. The findings emphasise the urgent need for ethical regulatory frameworks, strengthened professional standards, and inclusive welfare policies, while also pointing to future interventions focused on social security expansion, transparent algorithmic governance, and institutional protection for gig workers.

This paper investigates the strategic frameworks underpinning service marketing and relationship management that are most effective in fostering and sustaining long-term customer engagement in a digitally transformed, hypercompetitive market environment. It addresses how organisations can deliberately design customer experiences and configure relationship management architectures to build durable brand loyalty and maximise customer lifetime value (CLV). The study employs a qualitative conceptual methodology, synthesising extant theoretical literature with contemporary empirical evidence drawn from industry reports, peer-reviewed publications, and cross-sector case studies. Conceptual frameworks are inductively developed through systematic pattern identification across reviewed sources, drawing on Service-Dominant Logic, Relationship Marketing Theory, and the Balanced Scorecard paradigm. The study finds that personalized service delivery, proactive CRM system integration, and digitally enabled Omni channel feedback architectures significantly enhance the depth and durability of customer engagement. Strategic alignment between an organization’s service value proposition and its relational management practices demonstrably elevate customer retention, Net Promoter Scores, and CLV. Value co-creation emerges as a particularly powerful mechanism for deepening engagement in service-dominant industries. Organisations across hospitality, banking, healthcare, and professional services can leverage data-driven relationship intelligence, seamless Omni channel service integration, and structured value co-creation platforms to establish and sustain long-term customer bonds. The synthesised strategic model offers a directly actionable roadmap for senior marketing and customer experience executives This paper con tributes a synthesised, integrative model of strategic service marketing with specific emphasis on the temporal dynamics of engagement sustainability. It bridges the theoretical gap between service marketing strategy and relational management practice, and provides empirically grounded insights on aligning organisational marketing capability with relational mechanisms to maximise enduring customer value.

In the context of strong digital transformation, digital competencies have become one of the core requirements for students to meet the needs of studying, working and adapting to the modern labor market. This article focuses on analyzing and evaluating the current state of digital capacity of Vinh University students on 06 aspects including: (1) Ability to use technology, (2) Ability to search, exploit and manage digital information, (3) Ability to communicate and cooperate in the digital environment, (4) Ability to communicate and cooperate in the digital environment; (5) Safety and digital ethics competence, (6) Self-development and career orientation capacity. On the basis of analyzing the current state of students’ digital capabilities, the study proposes a number of solutions to improve digital capacity for students, contributing to meeting the requirements of higher education in the context of digital transformation.

To address the problems of insufficient equipment, high operational risks, single interaction mode, and unbalanced distribution of educational resources in traditional training within the rail transit field, this study constructs a three-layer virtual simulation training system framework of “immersive scenarios-multimodal interaction-cloud data intelligence” based on embodied cognition and situational learning theories. The system framework restores rail transit equipment and scenarios at a 1:1 scale through three-dimensional modeling, integrates multimodal interaction methods including hardware sensing, mobile AR, voice/gesture recognition, and 5G remote holography, and realizes resource sharing and dynamic updates relying on cloud servers. It breaks through the temporal and spatial constraints of traditional training, not only reduces teaching costs, but also strengthens students’ practical abilities and safety awareness through the operational experience in the training space. This framework effectively makes up for the deficiencies of existing teaching resources, provides an innovative solution for the cultivation of professional talents in the rail transit sector, and thus boasts significant teaching application value and promising promotion prospects.

The article is dedicated to examining structural managerial risks arising from the integration of artificial intelligence across the pharmaceutical value chain, from drug discovery to downstream market access decision processes. Relevance is grounded in the rapid expansion of AI-driven analytical, generative, and optimization systems that increasingly shape both research activities and commercial governance mechanisms. Novelty lies in the demonstration that risk exposure originates not from isolated misuse but from the underlying computational and organizational logic of AI architectures developed for discovery, clinical trials, supply-chain management, and quality-control operations. The work describes the structural mechanisms through which these systems influence downstream prioritization and allocation decisions and examines how cross-domain model transfer, data-driven inference, explainability gaps, and optimization pressure reshape market-facing decision-support practices. Special attention is paid to the ways in which predictive precision, dataset heterogeneity, and generative pipelines alter the boundaries of accountable decision-making in pharmaceutical market access. The article sets a goal to identify systemic sources of managerial risk and to outline conditions required for responsible AI deployment across organizational domains. Analytical methods are used to achieve this objective, supported by a broad review of current scientific literature. The conclusion discusses implications for governance, model design, and organizational oversight. The article will be useful for researchers, regulatory professionals, and managers seeking to align AI-enabled decision processes with principles of accountable pharmaceutical governance.

This bibliometric research maps the development of the topic of brand awareness and customer satisfaction as far as the online marketing is concerned. The review of Scopus-indexed publications (2005-2025), conducted with the help of performance analysis and science mapping (co-occurrence, trend-topics, strategic diagram, and thematic clustering) considers three stages: the emergent period of a small, volatile output (2005-2013); the phase of accumulation of methods standardization, and stable growth (2014- 2018); and the post-2019 structural break characterized by the accelerated growth of publications and an average reduction in the per The maximum production is on 2024 and it will be slightly corrected in 2025. Average citations exhibit cohort effects: a small canon between 2006-2019 is focussing on impact and offer reusable measurement templates between social media and digital touchpoints and brand outcomes. There is also high concentration in outlets with one journal representing disproportional number of papers, and the rest distributed amongst marketing, management, hospitality and computing venues. The analysis of networks comes down to a motor cluster: customer satisfaction-brand awareness-sales-social media which coordinates the sphere; customer satisfaction is the most centralized and related to itself, whereas investments, consumption behavior, big data and information management are the intermediaries. Frames associated with niche management (business strategy, business-model frameworks) are thick and peripheral; generic marketing descriptors are central but weak. The discipline has developed into a performance based, platform integrated paradigm where the understanding of awareness is considered as a precursor and outcome in the e-commerce consumer experiences. Future study of cross-platform measurement, causal identification, privacy-conscious attribution, investment efficiency, and theory integration, and converts results into practical implications on budgeting, instrumentation, and governance in digital branding is described in the paper and then translated into practical implications.

The rise of hybrid work environments has made employee retention even more challenging, as these new work models have transformed traditional leadership and workplace structure. while hybrid work offers flexibility and greater autonomy, it can sometimes diminish employee sense of belonging and weaken interpersonal relationship, potentially increasing their likelihood of leaving the organization. In this context servant leadership has emerged as a crucial and meaningful leadership has emerged as a crucial and meaningful leadership approach, focusing on ethical values, empathy, and genuine care for employee well-being. This conceptual study explores how servant leadership influences employee turnover intention in diverse and varied work environments. Based on insights from leadership and organization behavior research, this study argues that servant leadership helps foster trust, strengthen emotional connection, and improve employees’ perception of organization support in physical and virtual work settings. By considering turnover intention as a relational and psychological outcome, this study adds value to the current understanding of modern leadership and hybrid work practices. furthermore, it provides a theoretical foundation for future empirical research to test and validate this relationship.