This article proposes an integrated multi-criteria methodology for assessing the efficiency of innovation and investment activities using the example of sports equipment manufacturing enterprises. The methodology is based on a composite index that combines financial, innovation, and market criteria. The practical application of the proposed methodology is demonstrated through the analysis of empirical data from “DDR sport” LLC and “Shahdam sport” LLC for the period 2021–2025. Tabular and graphical analyses confirm the diagnostic capabilities of the methodology

This article explores modern methodological approaches to assessing the quality of banking services provided to individuals. In the context of digital banking expansion, omnichannel service models, and the increasing importance of customer experience, traditional evaluation criteria are no longer sufficient. The study conceptualizes service quality as a multidimensional economic category and proposes an integrated assessment framework incorporating functional efficiency, digital interface usability, communicative transparency, security standards, and customer loyalty indicators. Particular emphasis is placed on combining subjective satisfaction metrics with objective operational parameters. As a result, a modern methodological model is developed to support continuous monitoring and strategic management of service quality in retail banking for individuals