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