The study aims to develop the investment model for preparation for the new normal age. In-depth interviews and data collection 400 participants were obtained from a questionnaire which was reliable at 0.89. Descriptive statistics and inferential statistics were employed to analyze data e.g. Exploratory Factor Analysis (EFA). According to the interview the research findings revealed that the organization should encourage the employee in investment planning as well as having the notion of financial innovation. To do so diversification and up-to-date global knowledge attempt must be concerned. The results also presented that the respondents emphasized the financial innovation and creating factors of investment opportunity to prepare for the new normal age as none of the non-essential liability caused. Regarding organization procedures to develop the great aging society forming suitable elderly activities for the community was considered as providing widespread information as well as building different generations relationships. With these data genres of investment innovation not only were related to investment opportunity factors creation to the new normal aged but also related to organization procedures to develop the great aging society. Moreover investment opportunity factors creation to the new normal aged was associated with organization procedures to develop the great aging society. Using Empirical Variables Analysis (EVA) to prove the hypothesis in sum the findings showed that it was able to decrease factors related to empirical data from 20 to 9 factors. Nine (9) factors included (1) providing widespread information (2) being classified according to experiences status and readiness (3) having appropriate welfare (4) creating the project to support an obvious point (5) seeking for state measures (to support the project) (6) building different generations relationship (7) implementing new vacancy (8) considering available employment rate and welfare and (9) developing additional skills.

It is a must for Thai citizens in this digital era to be able to absorb internationalization skills to survive in the connected world. The study entitled The development of a 3D application for teaching English with integrated digital technology and practical training aims to develop a 3D application for integrated English teaching with digital technology and practical training. Academic literature about 3D application systems the achievability of problems and instructional system design frameworks were reviewed. Additionally in- depth interviews were conducted with 10 key informants using a snowballing technique. The informants were English-teaching experts teachers and social science students. The main findings from the in- depth interviews revealed that most participants did not use HMD VR to learn and practice English language skills while traditional styled teaching was used more often. There had not been much technology-integrated learning compared to language- related games and applications were used. Moreover VR was not applied much to English learning. Accordingly with the devices of Unity Oculus Blender and C# language the development of 3D applications for teaching English with practical training has been developed as an appropriate and optional tool for Thai students with an educational opportunity in English communicative skill practice in the virtual world and accessibility to the useful technology.

Ministry of Higher Education Science Research and Innovation has declared the policy towards university intiation with creative warm impressive and students’ improvement reinforcement. It is put into effect to every institute strictly. The research is a mixed-methods paradigm in order to evaluate the results of creative initiation by studying the perspectives on activities as well as the effects of creative initiation. Moreover setting the objectives and creative initiation indicators employing cost-benefit analysis are concerned. With simple random 362 undergraduate students of Faculty of Business Administration of Rajamangala University of Technology Phra Nakorn are the participants of this study. The study not only employs descriptive statistics —frequency percentage average and standard deviation— but also takes the focus group interview to collect data. To do so using purposive sampling to get 13-activity-staff as well as 12-activity-participant helps the researchers to analyze data in many dimensions: important issues and brainstorming for creating the next-time activities. The results found that 1. university students’ perceptions on activity was above average (good); such a type of activity was needed and related to the project’s objective 2. university students shared their opinions towards activity’s effects as followed: 1) positive effect is good; the activity caused unity responsibility and people and environment adaptation 2) negative effect is moderate; university students complied to do the activities but the activity’s processes should be improved. This was because various activities affected mental issues. According to previous activities’ cost-benefit analysis of Faculty of Business Administration they found that the cost of “Rak-Rua-Wang” project was the highest because there was high fixed-cost. On the other hand the project “Jit- Ar-Sa-Pha-Nong-Tham-Dee” had the least cost. To conclude internal rate of return modified internal rate of return and net present value of every project tended to increase continuously since university students in different majors involved in the activity increasingly.

As Financial Knowledge based on Financial Risk Taking: The effects of financial literacy on risk tolerance has been concerned the objectives of this study are to compare levels of perceived risk and levels of financial literacy between two groups which are one who are likely to be good at financial literacy and one who do not and to analyze these linear relationships. This study is a survey research which the research methodology is mixed method. The qualitative data were collected from in-dept interview questionnaire while the quantitative data were also collected from online survey questionnaire. The population is students who enrolled in Bachelor of Business Administration in two main groups which are one who do and do not have financial literacy. The sample is students who enrolled in Department of Finance which represent one who have financial literacy and students who enrolled in Department of Information Technology which represent one who do not have financial literacy. The selection method of the sample is a purposive sampling method which surveyed fundamental financial knowledge financial behavior and perceived risk. The survey method used online survey and constructed in-depth interview. The sample were divided into three groups according to their perceived risks which are risk lovers risk neutral and risk averse. The hypothesis of this study is that there are differences between financial knowledge between sample who assessed their perceived risk themselves and who did them using a survey assessment. The results can be concluded that the population mean between two independent samples is statistically significant at level of 0.10 significance and the population mean between two groups of different methods of perceived risks is statistically significant of differences between those two means at 0.01 significance. Moreover the linear relationship which is correlation of financial literacy and perceived risk self-assessment is 0.175 (0.013) while one which is of financial literacy and perceived risk assessed by a survey is 0.160 (0.023). Thus these hypotheses are statistically significant. The suggestions are 1)financial curriculum should take a course of risk and risk management 2)investors who do not have good in financial knowledge should concern more about their investment including risk 3) investment consultant should assess the risk and perceived risk of consultee and let them know about the risks before making a investment decision 4)government should promote financial knowledge of financial planning cash management and investment allocation and risk diversification.