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Article History

Received: 17 April 2025

Accepted: 29 September 2025

First Online: 15 October 2025

Declarations

:

: One author received financial compensation for their contribution to the project. This compensation does not affect the objectivity or independence of the research and its findings. The authors declare no further conflicts of interest.

: Not applicable. The study was conducted as part of a standard organizational project within a financial institution, with the approval of relevant internal stakeholders. All data were collected anonymously, and no personal or sensitive information was recorded.

: During the preparation of this manuscript, the authors utilized OpenAI’s ChatGPT (version GPT-4) and DeepL to assist with improving the readability and language quality. OpenAI’s ChatGPT was employed to refine language, suggest alternative phrasings, and provide perspectives that helped enhance the clarity and coherence of the manuscript. DeepL facilitated translation and further language enhancement. The authors maintained full control over the use of these tools, carefully reviewing, critically assessing, and significantly editing all AI-generated content. The core scientific ideas, research, and data presented in this manuscript are the sole contributions of the authors. The authors take full responsibility for the content of this publication, ensuring that it accurately represents their original research and findings.