Narinder Kumar is Assistant Professor of Economics, School of Economics, R V University, Bangalore, Karnataka, India.Kiran Sood is a Professor at Chitkara Business School, Chitkara University, Punjab, India. She is also an Affiliate Professor in the Department of Insurance and Risk Management at the University of Malta.Ercan Özen is Associate Professor of Finance in Department of Finance and Banking, Faculty of Applied Sciences, University of Uşak, Türkiye (Turkey).Simon Grima is the Deputy Dean of the Faculty of Economics, Management and Accountancy, Associate Professor and the Head of the Department of Insurance and Risk Management at the University of Malta. Simon is also a Professor at the University of Latvia, Faculty of Business, Management and Economics and a visiting Professor at UNICATT Milan.

• Foreword; Eleftherios Thalassinos Chapter 1. Clustering National Innovation Capability: Positioning of Ukraine; Fedirko Oleksandr and Fedirko Nataliia Chapter 2. Unleashing the Challenges of Chatbots and Chatgpt in the Banking Industry: Evidence from an Emerging Economy; Narayanage Jayantha Dewasiri, Karunarathnage Sajith Senaka Nuwansiri Karunarathna, Mananage Shanika Hansini Rathnasiri, D. G. Dharmarathne, and Kiran Sood Chapter 3. Diversity Management as an Approach Enhancing the Formation of Intellectual Capital (Including Human Capital) In Organizations In Order to Build their Competitive Advantage; Elwira Gross-Gołacka Chapter 4. Contemporary Issues and Challenges Facing the Hospitality Industry; Sanjeev Kumar, Bharat Kapoor, and Mushtaq Ahmad ShahChapter 5. Empowering the Unbanked: The Intersection of Financial Inclusion and CBDC; Shivani Inder Chapter 6. Dream of Five Trillion GDP with Reference to Five Key Industries; Satinder Singh, Rashmi Aggarwal, and Baljinder Kaur Chapter 7. Exploring the Impact of Risk Factors on Profitability in Commercial Banking in India: A PLS-SEM Analysis Approach; Vikas Sharma, Munish Gupta, and Kshitiz Jangir Chapter 8. Examining The Interconnectedness of Corporate Governance (CG), Non-Performing Loans (NPL), And Bank Size (BS) On The Financial Performance (FP) of Banks In Kosovo; Arber H. HOTI, Hamdi HOTI, and Ardian BERISHA Chapter 9. The Ethical considerations of DNA Profiling for Resilience in a Forensic Setting in India: A Comparative Study with International Guidelines; Farha Khan and Akansha Mer Chapter 10. Recovery Or Resilience During Off-Job Time And Its Association With Police Burnout; Sreedisha A. K and A. Celina Chapter 11. Impact of Cultural Marketing on Buying Behavior of the Consumers; Chandan Gupta, Priya Jindal, and Madhavi Shamkuwar Chapter 12. The Future Consequences of Artificial Intelligence in Context to Employability in Resilient Industry; Aayushi Pandey and Shivani Dhand Chapter 13. Mental Accounting and Sunk Cost Biases: A Social Experiment with a Food and Beverage Experience; Ekrem Tufan, Merve Aycan, and Bahattin Hamarat Chapter 14. Study of Problems of Credit Availability for MSME Finance in India; Lt. Kesu Singh Chapter 15. Reinsurance: A Risk Management Tool for the Insurance Sector; Neha Verma Chapter 16. Effectiveness of the Udaan Scheme in Addressing Career Development Challenges for Educated Youth in Jammu and Kashmir; Hakim Singh, Narinder Kumar, and S. Rakhshand Suman Chapter 17. A Holistic Framework for Resilient Rural Energy for Developing Economies; Sanjeet Singh, Geetika Madaan, and Amrinder Singh Chapter 18. Issues and Challenges of Large Scale Industries: A Study Contributing to Industry Resilience; Shireesha Manchem, Malathi Gottumukkala, and K. Naga Sundari Chapter 19. The Implications for economic and industrial strategies Due to Characteristics of Albanian Language Phonemes in the Balkans; Yllka Imeri and Nazli Tyfekci Chapter 20. Women Entrepreneurship- A Way Towards Sustainability; Ramya. U, Pushpa. A, and Nitu Ghosh Chapter 21. The Role of the Manufacturing Sector in Driving India's Long Term Growth; Manpreet Kaur and Shivani Malhan

Narinder Kumar is Assistant Professor of Economics, School of Economics, R V University, Bangalore, Karnataka, India.Kiran Sood is a Professor at Chitkara Business School, Chitkara University, Punjab, India. She is also an Affiliate Professor in the Department of Insurance and Risk Management at the University of Malta.Ercan Özen is Associate Professor of Finance in Department of Finance and Banking, Faculty of Applied Sciences, University of Uşak, Türkiye (Turkey).Simon Grima is the Deputy Dean of the Faculty of Economics, Management and Accountancy, Associate Professor and the Head of the Department of Insurance and Risk Management at the University of Malta. Simon is also a Professor at the University of Latvia, Faculty of Business, Management and Economics and a visiting Professor at UNICATT Milan.

• Foreword; Eleftherios Thalassinos Chapter 1. Clustering National Innovation Capability: Positioning of Ukraine; Fedirko Oleksandr and Fedirko Nataliia Chapter 2. Unleashing the Challenges of Chatbots and Chatgpt in the Banking Industry: Evidence from an Emerging Economy; Narayanage Jayantha Dewasiri, Karunarathnage Sajith Senaka Nuwansiri Karunarathna, Mananage Shanika Hansini Rathnasiri, D. G. Dharmarathne, and Kiran Sood Chapter 3. Diversity Management as an Approach Enhancing the Formation of Intellectual Capital (Including Human Capital) In Organizations In Order to Build their Competitive Advantage; Elwira Gross-Gołacka Chapter 4. Contemporary Issues and Challenges Facing the Hospitality Industry; Sanjeev Kumar, Bharat Kapoor, and Mushtaq Ahmad ShahChapter 5. Empowering the Unbanked: The Intersection of Financial Inclusion and CBDC; Shivani Inder Chapter 6. Dream of Five Trillion GDP with Reference to Five Key Industries; Satinder Singh, Rashmi Aggarwal, and Baljinder Kaur Chapter 7. Exploring the Impact of Risk Factors on Profitability in Commercial Banking in India: A PLS-SEM Analysis Approach; Vikas Sharma, Munish Gupta, and Kshitiz Jangir Chapter 8. Examining The Interconnectedness of Corporate Governance (CG), Non-Performing Loans (NPL), And Bank Size (BS) On The Financial Performance (FP) of Banks In Kosovo; Arber H. HOTI, Hamdi HOTI, and Ardian BERISHA Chapter 9. The Ethical considerations of DNA Profiling for Resilience in a Forensic Setting in India: A Comparative Study with International Guidelines; Farha Khan and Akansha Mer Chapter 10. Recovery Or Resilience During Off-Job Time And Its Association With Police Burnout; Sreedisha A. K and A. Celina Chapter 11. Impact of Cultural Marketing on Buying Behavior of the Consumers; Chandan Gupta, Priya Jindal, and Madhavi Shamkuwar Chapter 12. The Future Consequences of Artificial Intelligence in Context to Employability in Resilient Industry; Aayushi Pandey and Shivani Dhand Chapter 13. Mental Accounting and Sunk Cost Biases: A Social Experiment with a Food and Beverage Experience; Ekrem Tufan, Merve Aycan, and Bahattin Hamarat Chapter 14. Study of Problems of Credit Availability for MSME Finance in India; Lt. Kesu Singh Chapter 15. Reinsurance: A Risk Management Tool for the Insurance Sector; Neha Verma Chapter 16. Effectiveness of the Udaan Scheme in Addressing Career Development Challenges for Educated Youth in Jammu and Kashmir; Hakim Singh, Narinder Kumar, and S. Rakhshand Suman Chapter 17. A Holistic Framework for Resilient Rural Energy for Developing Economies; Sanjeet Singh, Geetika Madaan, and Amrinder Singh Chapter 18. Issues and Challenges of Large Scale Industries: A Study Contributing to Industry Resilience; Shireesha Manchem, Malathi Gottumukkala, and K. Naga Sundari Chapter 19. The Implications for economic and industrial strategies Due to Characteristics of Albanian Language Phonemes in the Balkans; Yllka Imeri and Nazli Tyfekci Chapter 20. Women Entrepreneurship- A Way Towards Sustainability; Ramya. U, Pushpa. A, and Nitu Ghosh Chapter 21. The Role of the Manufacturing Sector in Driving India's Long Term Growth; Manpreet Kaur and Shivani Malhan

Narinder Kumar is Assistant Professor of Economics, School of Economics, R V University, Bangalore, Karnataka, India.Kiran Sood is a Professor at Chitkara Business School, Chitkara University, Punjab, India. She is also an Affiliate Professor in the Department of Insurance and Risk Management at the University of Malta.Ercan Özen is Associate Professor of Finance in Department of Finance and Banking, Faculty of Applied Sciences, University of Uşak, Türkiye (Turkey).Simon Grima is the Deputy Dean of the Faculty of Economics, Management and Accountancy, Associate Professor and the Head of the Department of Insurance and Risk Management at the University of Malta. Simon is also a Professor at the University of Latvia, Faculty of Business, Management and Economics and a visiting Professor at UNICATT Milan.

• Foreword; Eleftherios Thalassinos Chapter 1. Clustering National Innovation Capability: Positioning of Ukraine; Fedirko Oleksandr and Fedirko Nataliia Chapter 2. Unleashing the Challenges of Chatbots and Chatgpt in the Banking Industry: Evidence from an Emerging Economy; Narayanage Jayantha Dewasiri, Karunarathnage Sajith Senaka Nuwansiri Karunarathna, Mananage Shanika Hansini Rathnasiri, D. G. Dharmarathne, and Kiran Sood Chapter 3. Diversity Management as an Approach Enhancing the Formation of Intellectual Capital (Including Human Capital) In Organizations In Order to Build their Competitive Advantage; Elwira Gross-Gołacka Chapter 4. Contemporary Issues and Challenges Facing the Hospitality Industry; Sanjeev Kumar, Bharat Kapoor, and Mushtaq Ahmad ShahChapter 5. Empowering the Unbanked: The Intersection of Financial Inclusion and CBDC; Shivani Inder Chapter 6. Dream of Five Trillion GDP with Reference to Five Key Industries; Satinder Singh, Rashmi Aggarwal, and Baljinder Kaur Chapter 7. Exploring the Impact of Risk Factors on Profitability in Commercial Banking in India: A PLS-SEM Analysis Approach; Vikas Sharma, Munish Gupta, and Kshitiz Jangir Chapter 8. Examining The Interconnectedness of Corporate Governance (CG), Non-Performing Loans (NPL), And Bank Size (BS) On The Financial Performance (FP) of Banks In Kosovo; Arber H. HOTI, Hamdi HOTI, and Ardian BERISHA Chapter 9. The Ethical considerations of DNA Profiling for Resilience in a Forensic Setting in India: A Comparative Study with International Guidelines; Farha Khan and Akansha Mer Chapter 10. Recovery Or Resilience During Off-Job Time And Its Association With Police Burnout; Sreedisha A. K and A. Celina Chapter 11. Impact of Cultural Marketing on Buying Behavior of the Consumers; Chandan Gupta, Priya Jindal, and Madhavi Shamkuwar Chapter 12. The Future Consequences of Artificial Intelligence in Context to Employability in Resilient Industry; Aayushi Pandey and Shivani Dhand Chapter 13. Mental Accounting and Sunk Cost Biases: A Social Experiment with a Food and Beverage Experience; Ekrem Tufan, Merve Aycan, and Bahattin Hamarat Chapter 14. Study of Problems of Credit Availability for MSME Finance in India; Lt. Kesu Singh Chapter 15. Reinsurance: A Risk Management Tool for the Insurance Sector; Neha Verma Chapter 16. Effectiveness of the Udaan Scheme in Addressing Career Development Challenges for Educated Youth in Jammu and Kashmir; Hakim Singh, Narinder Kumar, and S. Rakhshand Suman Chapter 17. A Holistic Framework for Resilient Rural Energy for Developing Economies; Sanjeet Singh, Geetika Madaan, and Amrinder Singh Chapter 18. Issues and Challenges of Large Scale Industries: A Study Contributing to Industry Resilience; Shireesha Manchem, Malathi Gottumukkala, and K. Naga Sundari Chapter 19. The Implications for economic and industrial strategies Due to Characteristics of Albanian Language Phonemes in the Balkans; Yllka Imeri and Nazli Tyfekci Chapter 20. Women Entrepreneurship- A Way Towards Sustainability; Ramya. U, Pushpa. A, and Nitu Ghosh Chapter 21. The Role of the Manufacturing Sector in Driving India's Long Term Growth; Manpreet Kaur and Shivani Malhan