This article substantiates the necessity of implementing individualized approaches in the digital retail of photographic equipment. The relevance of the study is driven by the rapid growth in volumes of behavioral and transactional data and the high competitiveness of the online market, where up to 80% of consumers expect personalized offers from brands and are willing to share their data to improve service quality. The objectives of the work are a systematic review of the theoretical foundations of one-to-one marketing, an analysis of the scale of CRM and CDP platform usage, and an assessment of the economic effect of applying algorithmic recommendation systems in the photographic equipment segment. The novelty of the research lies in the comprehensive combination of industry statistics analysis with concrete personalization techniques for photographic equipment, including differentiated content for novices and professionals. For the first time, the author integrates data on the multiplicative effect of personalized scenarios—a 288% increase in conversion and a 369% rise in average order value when interacting with dynamic recommendations—with market development forecasts for accessories and ROI metrics of email campaigns. The main conclusions confirm that the implementation of an end-to-end data → model → offer architecture based on the CRM + CDP linkage and machine learning not only nearly triples purchase likelihood and quadruples average order value but also reduces customer acquisition costs by up to 50%, while simultaneously increasing customer lifetime value and loyalty. Successful strategy execution requires the consolidation of transactional, behavioral, and demographic data, continuous A/B testing, and optimization of content chains according to consumer experience level. This article will be useful for marketers, product managers, and e-commerce executives specializing in photographic equipment sales.

US Treasury securities have long been considered the quintessential global safe haven asset, foundational to the international financial system. However, recent episodes of market dysfunction, notably the "dash for cash" in March 2020, have underscored vulnerabilities in their liquidity and market functioning. This article examines the critical factors underpinning the safe haven status of US Treasuries and analyzes the challenges that threaten this unique position. Drawing upon a comprehensive review of economic literature, we delve into the structural characteristics of the Treasury market, including its over-the-counter nature and the role of dealer intermediation, and discuss how these contribute to liquidity fragility during periods of stress. We then explore a range of proposed reforms and policy interventions, such as central clearing, all-to-all trading, and expanded access to central bank facilities, designed to enhance market resilience. The discussion emphasizes the necessity of these reforms to ensure that US Treasuries can continue to fulfill their vital role as a stable anchor for global finance, balancing efficiency with robustness in an evolving economic landscape.

Glamping — a fusion of the words “glamour” and “camping” — represents a modern form of tourism that combines luxury amenities with environmental sustainability. This research aims to explore consumer preferences towards glamping tourism in Uzbekistan and to examine how sustainability factors influence decision-making. Data were collected from 407 respondents via an online survey and analyzed using a logistic regression model.

The results indicate that valuing ecology and sustainability significantly increases the likelihood of choosing glamping. Particularly, young adults aged 25–35 and high-income consumers show greater interest in glamping services and are willing to pay more for environmentally friendly options. Based on the findings, it is demonstrated that developing glamping tourism according to sustainable principles can help create new market segments.

This paper covers the history and current trends in the automation of advertising workflow within marketplaces through AI solutions provided by the ThinkAd platform. The study shall attempt to detail drivers that have prompted a transition from manual bidding to intelligent autopilots. It also tries to present comparative analyses regarding the functionalities of leading AI services and empirical assessments of their effectiveness via real-world case studies. Such a work is meaningful since there has been a strong upward trend in cost-per-click on Amazon Ads, coupled with increasing difficulties that come with manual management regarding hundreds of thousands of product × keyword × time combinations, which cause both budget overruns and lost sales. Simultaneously, first-party data gains value in a cookieless world; intense competition demands instant strategy changes via hyper-personalization and goal-based bidding. The novelty of the study lies in the integration of descriptive statistics on CPC dynamics and sellers’ time savings, content- and case-analysis of AI-platform technical documentation, and a functional comparison of semantic-core generation modules, goal-based bidding, hourly day-parting, and multi-account mastering. Particular attention is paid to the ThinkAd platform, which forecasts ACoS 24 hours in advance, updates bids hourly, and consolidates data across multiple stores. The main findings indicate that intelligent automation can reduce ACoS to 22–25% while increasing advertising sales by 82–206%, freeing up to 20 hours of operational time per week, and ensuring competitiveness for small and medium enterprises under cookieless conditions and rising click costs. Integrated via the Amazon Ads API and supporting multiple regions, ThinkAd sets a new efficiency standard by combining a semantic module, predictive analytics, and an autopilot. This article will be helpful to marketplace advertising managers, e-commerce analysts, and small and medium business owners when selecting and implementing AI tools for advertising campaign automation.

This paper examines contemporary approaches to evaluating investment projects under conditions of uncertainty. It centers on the mathematical formalization of discounted cash-flow and annuity methods, and on their integration with sensitivity analysis and stress-testing frameworks. The study justifies the need for an integrated model that accounts for asymmetric project perceptions as well as a range of additional risk factors influencing financial outcomes. Practical feasibility is demonstrated through the use of programmable spreadsheets, enabling flexible parameterization and rapid updating of inputs. The results not only facilitate an objective assessment of a project’s investment appeal but also yield concrete risk-management recommendations, thereby enhancing project resilience in a dynamic economic environment. This work will interest researchers, graduate students and practitioners in finance and investment analysis who seek to fuse theoretically sound models with empirical evaluation to derive robust strategic decisions under market uncertainty. Moreover, the paper offers value to academics and executives engaged in interdisciplinary research aimed at critically refining and optimizing investment appraisal techniques through advanced econometric and mathematical methods.

This article focuses on the analysis and practical application of financial tools aimed at evaluating the investment attractiveness of agricultural projects in the United States. In a context of declining domestic investment and a volatile business climate, agricultural enterprises require accurate assessments of their internal reserves and creditworthiness. The relevance of this study is driven by the need to identify effective financing mechanisms and enhance the competitiveness of farming operations facing additional pressure from seasonal price fluctuations and technological transformation. 

The novelty of the research lies in a detailed examination of the interrelation between depreciation monitoring methods, liquidity analysis, capital structure, and profitability. The study presents comparative approaches to long-term lending and solvency assessment and draws on sources addressing trends in investment flows, challenges related to fixed asset renewal, the specifics of banking activity, and external support programs. Particular attention is given to risk assessment, including potential capital outflows and insufficient diversification of financing channels. 

The study aims to identify optimal strategies for strengthening the financial stability of agricultural enterprises. A comparative method and financial statement analysis were applied to achieve this goal. The conclusion outlines a sequence of steps enabling an objective forecast of project profitability. This article will be of interest to investors, enterprise managers, and specialists in agricultural management. 

This paper outlines a detailed roadmap for achieving the Leading stage of FP&A maturity, as defined by the FP&A Trends Group (2023), and introduces Integrated AI FP&A as its natural evolution. As organizations face accelerated decision cycles, rising operational complexity, and increasing ESG demands, traditional planning models are no longer sufficient. Enterprises require planning systems that are real-time, transparent, and continuously adaptive, capable of enabling dynamic scenario analysis, cross-functional collaboration, and strategic agility.

The proposed transformation framework is structured around six interdependent pillars: strategy alignment, governance, process redesign, modular architecture, data integration, and cultural change. Together, these enable real-time forecasting, shared forecast ownership, and convergence of ESG and financial metrics across business units.

At its core, Integrated AI FP&A is a modular, AI-enabled planning environment that extends Leading-stage capabilities into an autonomous, signal-responsive operating model. This architecture supports rolling forecasts, automatic scenario switching, and real-time planning adjustments based on live operational inputs. By embedding machine learning, API-triggered data orchestration, and ESG-calibrated forecast logic, Integrated AI FP&A transforms finance from a retrospective reporting function into a forward-looking, intelligent decision-support system. This paper presents a concrete, scalable system architecture for implementing Integrated AI FP&A at the enterprise level, bridging strategy and operations through real-time data and autonomous financial logic.

Integrated AI FP&A closes the gap between strategic objectives and operational execution, reimagining the finance function as a real-time performance command center that empowers CFOs to drive faster decisions, build resilience, and increase enterprise value.

This study examines the investment appeal of the suburban residential segment in the United States and Canada following the COVID-19 pandemic, revealing structural shifts in demand, pricing, and financing structures. Its relevance stems from the rapid reallocation of capital from urban cores to peripheral areas—an evolution underrepresented in existing real-estate valuation models. The novelty lies in the development of a comparative “yield–resilience” framework that combines price trajectories, climate exposure, and ownership structure. Within this framework, macro- and microeconomic determinants of transactions are analysed—covering migration flows, household incomes, interest-rate burdens, and climate hazards. Construction-for-rent mechanisms, zoning regulations, and tax incentives shaping institutional participation in both markets are compared. Data sources include Bank of Canada transaction statistics, U.S. federal housing reports, inflationary scenarios, and a selection of eight academic and industry publications. The outcome is a suburban typology based on a yield-to-risk balance, accompanied by recommendations for portfolio diversification and regional capital allocation. Further application of the model is proposed to assess the impact of ESG standards, the energy transition, mortgage-program accessibility, and increased global fintech capital participation on the long-term spatial distribution of investment. This material will benefit analysts, developers, fund managers, banking institutions, and municipal authorities planning investment and infrastructure strategies. The compiled database requires further validation through panel-data modelling, opening avenues for future academic research.

This article conducts a systematic analysis of business models for seasonal logistics services within the United States’ agri-industrial sector. Its relevance is underscored by significant crop losses due to delays in transportation and growing demand for flexible delivery solutions for fresh produce and agricultural inputs. The study’s novelty lies in comparing two organizational paradigms: specialized agro-logistics operators versus general carriers that retool their fleets seasonally to handle perishable goods. We describe the scale of seasonal movements, rate dynamics, workforce and equipment constraints, and we analyze inter-state resource migration practices enabled by digital freight platforms. Our objectives include assessing these models’ resilience, estimating their financial potential, and offering market participants actionable recommendations. Employing comparative analysis, econometric and statistical modeling, custom-harvester case studies, and content analysis of nine key sources (FAO, USDA, ATS, OTR Solutions, Corrigan Logistics, USCHI, among others), we pay special attention to how government policy affects staffing and storage infrastructure development. Findings confirm the effectiveness of hybrid contracting schemes and demonstrate that digitalization enhances trans-regional fleet mobility, reducing off-season idle time. Optimizing empty-run rates cuts CO₂ emissions and fuel consumption—boosting supply-chain sustainability. Future research should evaluate how climate change will shift harvest calendars and require new routing strategies. We also present an empirical ranking of states by seasonal peak intensity, guiding strategic investments in rolling stock and warehouse capacity.

This article covers the economic impact analysis by quantitative assessment through implementing artificial intelligence technologies. It analyzes how AI solutions are Productively applied and the formation of sustainable competitive advantage in multinational corporations. The relevance of this study is justified by the rapid growth that exists in corporate and venture investments in AI, a forecast of global AI spending to reach USD 632 billion by 2028, and a need for companies to adapt business processes as fast as possible to keep them competitive in the international market. The novelty of the work lies in a comprehensive synthesis of industry statistics (CB Insights, IDC, McKinsey, PwC, OECD), resource‐based theory of the firm, and the concept of dynamic capabilities to explain sustainable advantages. The methodology includes descriptive and comparative analysis of financial metrics, macroeconomic forecasts of AI’s added value, and detailed case studies of implementations at Google, Amazon, Nike, and Starbucks. The significant results show that, in general, artificial intelligence raises firms’ labor productivity by 0–11%, improves Overall Equipment Effectiveness in manufacturing, quickens Time‐to‐Market, and increases Customer Lifetime Value in retail and services. Generative AI can add between 1.3% and 9.3% of revenue in different fields of business; also, the worldwide economic impact is approximated at USD 2.6–4.4 trillion per year. Sustainable competitive advantage emerges at the intersection of VRIN resources (unique data, algorithms, infrastructure) and firms’ ability to sense, seize, and transform new opportunities rapidly. At the same time, the key constraints are regulatory costs, the capital intensity of infrastructure, and the hype cycle effect. This article will be helpful for managers, strategists, and analysts of multinational corporations, as well as consultants and researchers assessing the economic efficiency and competitive benefits of AI implementation.