The study examines the relationship between financial diligence, risk tolerance, and financial situation assessment, as well as their correlations with various socio-demographic factors. The authors used the 2022 Hungarian dataset from the OECD’s (Organisation for Economic Co-operation and Development) recurring international financial literacy survey for their analysis. The results indicate that respondents generally monitor their finances carefully, tend to avoid risks, and report low levels of satisfaction. A moderately strong positive relationship exists between the dimensions of financial behavior. This suggests that both diligence and appropriate risk management are crucial for financial awareness and contribute to financial satisfaction. Through cluster analysis, ten well-distinguished groups were identified differing in financial behavior and attitudes. Differences between the clusters highlight that socio-demographic factors – such as age, income, type of residence, and employment status – fundamentally influence individuals' financial decision-making.

In the last three years, the way the world works has changed more than in all the previous decades combined. The changes in market processes and systems have clearly been driven by two dominant phenomena: the pandemic crisis caused by COVID-19 and the Russian-Ukrainian conflict. These two world events have changed fundamental norms, which has forced organisations to change their strategies. The question is: what are the organisations in question really planning? What is influencing their reactions? The aim of the authors’ publication is to show how organisations were thinking in the early stages of the two crises, and whether they are able to assess the expected impact and plan the appropriate measures. Their empirical research found that micro-enterprises tend to project their pessimism on the whole economy. Also, their services are less dependent on supply chain resilience. Furthermore, their various war-induced measures were related to their past external relations.