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The concept of cyber-spirituality and digital security has recently emerged due to the increasing dependence on technology. Using technology in spiritual contexts presents opportunities for enhanced spiritual experiences and risks that can compromise one's digital security. It emphasizes how the intersection of spirituality and technology can potentially result in a more fulfilling spiritual practice while adding to the existing concerns about data security.

In contemporary times, the impact of technology on mental health has emerged as a critical concern that demands ethical conduct in cyberspace. People are increasingly invested in fostering interfaith dialogues, achieving social equity, and promoting fair play within online communities. This chapter highlights the imperative need to approach technology with mindfulness while prioritizing digital safety in the fast-paced world.

In today's interconnected world, internet users are constantly exposed to a host of risks, including cyberattacks, cyberbullying, cyber-victimizations, and privacy violations. This chapter critically examines these severe threats to personal safety as well as overall societal well-being caused by increasing digitization. Focusing on critical factors such as digital literacy, digital citizenship, cybersecurity practices, and the legal framework concerning data protection, it stresses responsible conduct in the virtual space through informed decision-making by individuals.

Overall, this chapter aims to investigate how cyber-spirituality intersects with digital security in the context of the workplace. Accordingly, it advocates for an introspective attitude toward technology usage that underscores responsible behavior while helping us strike a balanced relationship with digital tools. Through this approach, we can not only safeguard against potential threats but also enhance our emotional well-being.

Introduction: The Republic of Moldova’s economy faces risks caused by the war in Ukraine and the economic crisis, proving that citizens’ prosperity is essential for national stability and that financial knowledge influences the standard of living. A minimum financial education provides information, knowledge, and tools to make correct decisions based on informed consent in an increasingly complex financial system. In the financial-banking and academic environment, in-depth research of consumers’ financial education level helps to optimise, streamline, and balance bank–client relations with fairness. This work is the consequence of studying the level of financial education among consumers of financial-banking services, with direct implications for their financial well-being.

Purpose: The main aim of this research is to measure the financial knowledge of consumers of financial-banking services, developing recommendations for measures to improve the situation.

Methodology: To explain the factors of influence, the following research techniques were used: analysis and synthesis of conceptual approaches to financial education; deduction and induction; analysis of the findings of sociological research on the level of financial education of users of financial-banking services; and recommendation synthesis.

Findings: The research validates that enhancing financial education has a positive effect on individuals and the economy, reinstates confidence in financial markets, makes an innovative contribution to accurately assessing consumers’ financial knowledge enabling the implementation of proactive measures.

Implications: This chapter provides insights into consumers’ financial education level, serving as a crucial indicator for institutions and public authorities in formulating and promoting effective educational initiatives to ensure minimal skill gaps.

This chapter seeks to understand the intersection between eGovernment, social media, and digital inequalities by examining the disparate flow of information during the COVID-19 pandemic. Developed economies are increasingly transitioning to digital interfaces for information dissemination and provision of services. The authors explore the potential of, and challenges facing eGovernment by looking at the use of social media during the COVID-19 pandemic. This chapter employs a case study approach to probe the dynamics of government-initiated efforts at information dissemination through the Center for Disease Control and Prevention’s (CDC) website and social media account on Twitter. The analysis in this chapter uses NodeXL to examine communication roles played by government and non-governmental actors within this slice of the Twittersphere centered around CDC@gov. As the findings demonstrate, non-governmental actors played key roles in the dissemination of public health messaging. The authors analyze these data with an eye to the potential of social media for public health communication and extrapolate that understanding to the use of digital access and social media for the provision of accurate, official information in other circumstances. While the COVID-19 pandemic was a global health crisis, individuals and households face individual or local crises every day. This angle of vision allows the chapter to conclude with recommendations pertaining to government-led information dissemination for the public good during crisis and non-crisis situations alike. In the concluding section, the authors probe the degree to which eGovernment can also address digital inequalities including connectivity, device, and literacy gaps. The authors offer solutions needed for eGovernment initiatives in light of challenges posed by digital inequalities to ensure that digital information sharing and services are accessible to all.

The chapter argues that implementing a professional writing program in universities can help students build expertise, confidence, and a strong professional portfolio that can advance their future careers to greater heights. This is achieved through a curriculum directly connected to the industry of the students' disciplines, expert instructors providing extensive feedback, and tips to transform ideas and knowledge into professional writing pieces. Additionally, the chapter highlights the importance of students gaining a comprehensive understanding of communication, being aware of the benefits of professional writing, and having hands-on experience through active engagement in the learning process to improve their craft. The chapter emphasizes that transformative learning implemented through strong writing and communication skills are highly valued by all industries seeking job candidates.

Finally, the chapter provides a strategy for improving students' employability by implementing a professional writing program in universities, which is based on the understanding of the changing career demands and the importance of communication and writing skills in all industries seeking job candidates.

The COVID-19 pandemic has sped up the digital shift in finance, leading to more people having access to financial services and presenting new opportunities and challenges. This chapter looks at how digital finance has changed during the pandemic, focusing on how it’s made financial services more accessible, helped lessen gender disparities, boosted digital financial understanding, and dealt with potential risks. Since the pandemic, the use of digital financial services has grown rapidly, helping to overcome geographical limitations and increase financial inclusion. This change has been especially helpful for marginalized groups and women, significantly reducing the gender gap in financial inclusion. Meanwhile, understanding digital finance literacy has become crucial for effectively using digital financial services. However, the move towards digitization brings its own challenges, especially new financial risks. These risks require increased consumer awareness, better education, and stricter regulation. The chapter concluded by saying that the path of digital finance after the pandemic is a mix of opportunities and challenges. As a result, we need a careful and balanced approach to increase financial inclusion while also protecting against potential financial risks, ultimately aiming for a fairer, more stable, and more inclusive financial landscape.

The concept of “Workplace Spirituality (WPS)” in the field of management has gained great interest in the last decade, especially due to its connection with profitability. There has been a rapid increase in research related to the topic. It is assumed that employees who spend a significant part of their time at work are willing to satisfy their spiritual needs at the workplace. Such unprecedented challenges as the COVID-19 pandemic have posed many difficulties for organizations to remain agile, develop and grow, and innovate to survive. At this very moment, the importance and meaning of WPS for managers appear to have increased even more. Workplace spirituality is related to motivation, belongingness, and loyalty, and the pandemic seems to have created significant issues concerning these topics with employees. Employees have been forced to work from home due to prolonged restrictions and have faced difficulties in returning to work post-pandemic. Workplace spirituality has the potential to help employees stay motivated in their work, increase their job performance, enhance job satisfaction, and improve their mental health during this difficult period. Organizations can support their employees by implementing different practices to develop workplace spirituality. In this article, approaches to satisfy the spiritual needs of employees post-pandemic, and the efforts of workplaces to meet these needs, are examined with insights from theoretical and practical life.

Generation Z continues to face several significant life events that have influenced how they address financial-related problems and manage their money. In addition to worrying about their incomes, access to affordable healthcare and higher education as well as poverty is perceived as the main financial-related issues of concern. COVID-19 might also have strengthened the financial-related awareness of Generation Z, as half of the Global Gen Z Study participants changed spending habits during the pandemic.

The digital divide refers to the gap among citizens of a country or across borders due to the lack of ease of access to digital means for some and the difficulty for others. The possession of electronic gadgets, smooth internet connectivity, and other forms of digital communication can have a wide gap in availability among countries. This gap is mostly influenced by factors that are of infrastructural, political, cultural, demographical, generational, and socioeconomic nature. On account of developed and developing countries, the gap is disseminated and thoroughly complex. Although the developed nations around the globe proved to have narrowed digital divide as a major source of development and advancement in respective countries, it is quite challenging for emerging economies to adhere to the same processes for development. For an emerging economy, the prudent cost-benefit analysis carried out by the government can have varying effects on undertaking projects related to minimizing the digital divide. Nevertheless, the importance of narrowing the gap of the digital divide is unparalleled, and governments of emerging economies are realizing the benefits of it and investing their resources accordingly. Furthermore, information technology can be a catalyst in facilitating processes that save a lot of costs, bring holistic quality improvements, and implement effective and efficient government policies that lead to digitalization and sustainable consumption of resources. Consequently, governments are getting actively involved in the digitalization of their respective countries to turn their smart cities into more intelligent ones. Even so, it is important to understand that taking one policy to address all citizens is not realistic. Hence, understanding the foundational knowledge of the citizens, the demand of the population under various sectors, framing well-rounded policies with alternatives, and effectively and efficiently implementing them are extremely crucial.