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https://doi.org/10.4467/2450114XJJM.17.013.9564Słowa kluczowe: civil planning, crisis management, civil defence, Behavioural Man, Competitive Man, Model of Behavioural Competitiveness of enterprises, Man as Creator, Internet of Things, Customer Experience, touch points, smart objects, customer behaviour, customer experience management., ecological insurance, ecological damage, quality of service, SERVQUAL, insurance service., change management, approaches to organizational change, change management models., crowdfunding, crowdfunding project, higher education, academic community
