Megjegyzés: The work of B. Z. P. supported by the Doctoral Excellence Fellowship Programme (DCEP) is funded by the National Research Development and Innovation Fund of the Ministry of Culture and Innovation and the Budapest University of Technology and Economics under a grant agreement with the National Research, Development and Innovation Office. The work of F. M. and I. K. was partially funded by the European Union’s Digital Europe Programme (DEP) under grant agreement no. 101100768 (SME4DD).

Megjegyzés: Funding Agency and Grant Number: Doctoral Excellence Fellowship Programme - National Research Development and Innovation Fund of the Ministry of Culture and Innovation; Budapest University of Technology and Economics; National Research, Development and Innovation Office; Hungarian National Bank (MNB); Budapest University of Technology and Economics (BME) in the Digitisation [EKOP-24-3]; New National Excellence Program [EKOP-24-3-BME-288]; Doctoral Excellence Fellowship Programme [400434/2023]; NRDI Fund of Hungary
            Funding text: The work of Bertalan Zoltan Peter, partially supported by the Doctoral Excellence Fellowship Programme (DCEP) , is funded by the National Research Development and Innovation Fund of the Ministry of Culture and Innovation and the Budapest University of Technology and Economics under a grant agreement with the National Research, Development and Innovation Office. The work of Bertalan Zoltan Peter was partially created under, and financed through, the Cooperation Agreement between the Hungarian National Bank (MNB) and the Budapest University of Technology and Economics (BME) in the Digitisation, artificial intelligence and data age workgroup. The research of Zsofia Adam was partially funded by the EKOP-24-3 New National Excellence Program under project number EKO444P-24-3-BME-288, and the Doctoral Excellence Fellowship Programme under project number 400434/2023; funded by the NRDI Fund of Hungary.

Megjegyzés: Funding Agency and Grant Number: Hungarian National Bank (MNB); Budapest University of Technology and Economics (BME) in the Digitisation; Doctoral Excellence Fellowship Programme - National Research Development and Innovation Fund of the Ministry of Culture and Innovation; Budapest University of Technology and Economics; National Research, Development and Innovation Office
            Funding text: This work was partially created under, and financed through the Cooperation Agreement between the Hungarian National Bank (MNB) and the Budapest University of Technology and Economics (BME) in the Digitisation, artificial intelligence and data age workgroup. The work of Bertalan Zoltan Peter, partially supported by the Doctoral Excellence Fellowship Programme (DCEP) is funded by the National Research Development and Innovation Fund of the Ministry of Culture and Innovation and the Budapest University of Technology and Economics under a grant agreement with the National Research, Development and Innovation Office.

Megjegyzés: Funding Agency and Grant Number: Hungarian National Bank (MNB); Budapest University of Technology and Economics (BME) in the Digitisation, artificial intelligence; National Research Development and Innovation Fund of the Ministry of Culture and Innovation; Budapest University of Technology and Economics; National Research, Development and Innovation Office
            Funding text: This work was partially created under, and financed through, the Cooperation Agreement between the Hungarian National Bank (MNB) and the Budapest University of Technology and Economics (BME) in the Digitisation, artificial intelligence and data age workgroup.The project supported by the Doctoral Excellence Fellowship Programme (DCEP) is funded by the National Research Development and Innovation Fund of the Ministry of Culture and Innovation and the Budapest University of Technology and Economics under a grant agreement with the National Research, Development and Innovation Office.