The aim of this article is to provide empirical evidence on the level of digital entrepreneurial competences (DEC) that higher education students acquire during their higher education and to investigate the relationship between their socio-demographic characteristics and the level of DEC. The first competence area (Identification of opportunities) of the DEC EmDigital competence framework was assessed together with its three sub-competence areas (Search for and analysis of information, Creativity and innovation, and Prospecting), and the relationship between the level of DEC and various socio-demographic characteristics of higher education students was investigated using logistic regression. The results show a relatively low DEC level of the participating students for the first EmDigital competence area. Location, field of study, level of study and employment status were found to be statistically significant for the acquisition of DEC, while the variables age and gender had little impact. The results of this study are a step towards the development of an DEC online assessment tool (using the Digital Competence Wheel as a role model) that universities and other stakeholders could use to assess the level of DEC their students acquire during university education. This research is the first study to assess the acquisition of DEC during university studies and the impact of different socio-demographic characteristics of students on their level of DEC.

Competitiveness of high-technology products (HTP) is more significant on the world market than products of medium and low quality. Increase in the innovation performance should lead to the growth of high technology application in production consequently rising exports of HTP as an important factor in increasing competitiveness. In this paper we wanted to analyze the correlations and conditionality of exports of HTP (share of exports in total country exports) and selected indicators that influence innovation: GDP, R&D costs (research and development cost in four sectors), degree of education of the population, number of researchers (in four sectors) and global innovation index (GII). The main aim was to identify which indicators contributed to the growth of exports of HTP in the analyzed countries (Serbia, Romania, Bulgaria and Hungary) in the observed period of ten years (2009-2018), in order to give certain recommendations on the measures and procedures Serbia should take to increase the level of innovation index and exports of HTP. In this paper, the exports of HTP was analyzed in Serbia, Romania, Bulgaria and Hungary. The influence of the chosen indicators on export of high technology products was analyzed using the POLS model, the fixed effects model and the random effects model. The results indicate that if analyzed countries do not find resources to intensify investment in education and R&D, they will not reach the average EU innovation indicators for many years. Also, it will seriously harm the competitiveness of the economies of the observed countries in the conditions dictated by the modern business environment and the challenges of the fourth industrial revolution (Industry 4.0).

The analysis of the effects of applying the concept of sustainable development in retail has been attracting interest recently. In that context we have considered greenhouse gases emission in retail. This is achieved by using modern ecological technology in business - through the whole food value chain. The goal is to achieve the planned reductions of carbon dioxide in retail food, which positively reflects the overall performance of food retailers. This empirical research is mainly based on the analysis of the original sustainable reports officially disclosed by selected food retailers. These reports are now an integral part of the integrated reporting on performance of global food retailers. Having been universally important, harmonized regulations on sustainable retail food reporting are being increasingly applied as a data source for more efficient environmental management. In the future, this will enable the comparative analysis of the carbon dioxide emission of global and other food retailers.

The pandemic caused by the Covid-19 virus significantly affected the consumers' behavior. The subject of the paper is to analyze the consumer characteristics, the consumer attitudes towards organic food products, as well as the changes in the consumer behavior. The research was performed in 2021 in the Republic of Serbia. The statistical software package SPSS has been utilized for data analysis. Our findings show that, in times of COVID-19 pandemic, the consumers have a very positive perception of nutritional values of organic food products with an expressed willingness to pay 20-30% more for the organic products, in regard to conventional products. The main reason for buying such products is less chemistry and child health. The main reason for insufficient consumption is the high price. The monthly income of irregular consumers of organic food products has predicted the willingness to pay, while the household size has predicted the assessment of the organic products nutritional properties.

This paper presents the process of digital transformation of banking sector aiming to emphasize the impact of applying artificial intelligence in order to enable chatbot customer service, robo advice, predictive analytics, cybersecurity, as well as credit scoring, and direct lending. The proposed framework is composed of three levels of application the artificial intelligence in digital banking. The application of artificial intelligence platforms in the banking sector is essential to meet the needs of today’s digital-first customers as well as to stay a step ahead of tomorrow’s digital banking challenges.