This is a conceptual paper that aims to identify relevant approaches for assessing consumer resilience with regard to online privacy violation and to develop a research model suitable for subsequent empirical testing. Based on the relevant literature, we made a synthesis of theoretical approaches to individual resilience from diverse disciplines and in the next step we proposed a set of variables in the model to serve as determinants and behavioral consequences of consumer resilience with regard to online privacy violation. Finally, we offer the developed conceptual model for further scholarly debate and for future empirical verification from the research community.

This article investigates corruption pressures at the sub-national government level by employing a novel approach of empirically assessing the subjective opinions of local councillors about corruption risks they have been exposed to. Based on the large survey data collected in 14 European countries we provide evidence that individual perceptions of corruption risk experienced by local councillors are formed by their personal characteristics, where educational attainment stands as the most significant deterrent to corruption risk. The comparative assessment of non-transition and post-transition countries (PTCs) shows that respondents from PTCs exhibit higher levels of perceived corruption pressures on the local government level (PCL). In non-transition countries, councillors in the local government units with more fiscal power are more exposed to corruption. When government effectiveness is included, the effect of transition process and local fiscal decentralisation loses significance. Government effectiveness appears to be a strong tool to alleviate the corruption pressure at the local government level, in particular for younger councillors in PTCs The findings shed more light on the issues of corruption, which is a striking problem at the sub-national government level in the E.U. Policy implications and suggestions for future research are offered.

This article analyses the relationship between banking sector efficiency and economic growth using a panel data analysis of six South-eastern European countries during the period 1995–2005. The analysis is concentrated on the banking sector because other segments of the financial market are underdeveloped in our sample of countries. We measure the qualitative development in the banking sectors by using the margin between lending and deposit interest rates as well as the share of non-performing loans. By applying the panel data method in a growth-type equation setting, we confirm that improvements in banking sector efficiency, measured through the decreasing interest rate spread, exerted a positive influence on the growth rate of the countries in the region.

Renewable energy sources (RES) play a key role in achieving the European Union’s energy and climate objectives. As a member of the European Union, Croatia has committed to adopting European Directive 2009/28/EC, a directive on promoting the use of RES. Croatia shows good potential for the use of different types of RES. In the period 2009–2019, the share of renewable energy in energy consumption increased from 23.6 to 28.5 percent. The Croatian energy strategy aims to increase the national share of renewable energy to at least 32 percent by 2030. Acceptance and public support are essential for renewable energy to be introduced into energy policy and particularly to encourage renewable energy implementation in the residential sector. The purpose of the paper is to explore the public perception of renewable energy and citizens’ willingness to pay for the use of RES. Data were collected through a 2021 survey of citizens 18 years and older. The survey results show a low level of implementation of RES technology in the residential sector; more than 80 percent of respondents did not use any sources of renewable energy in their households. Results related to respondents’ knowledge of different sources of renewable energy suggest they have the most knowledge of solar, wind, and hydropower energy. Respondents believe that combating climate change, reducing dependency on energy imports, reducing environmental impacts, and improving health are the most important benefits of RES implementation. The survey reveals general support for RES among respondents; almost 89 percent of them would purchase renewable energy from local suppliers. In addition, 79 percent of survey participants were willing to pay for the introduction of RES technology into their households. The research shows that environmental concerns are the primary reason for citizens’ higher willingness to pay for RES.

In order to improve energy efficiency, the Croatian government introduced an individual metering obligation for all district heat network users. The purpose of the research was to evaluate this policy measure regarding its effects on tenants’ behavior and energy savings, but also from the perspective of cost-effectiveness. The sample includes approximately 20% of all Croatian users of district heat energy. Energy savings related to the installation of heat cost allocators are calculated by comparing the specific heat energy consumption, corrected for the number of heating degree days, in periods before and after the installation of the heat cost allocators. The cost-effectiveness assessment is based on the concept of the net present value. The transition to individual metering in Croatia resulted in significant energy savings averaged from 20 to 35%. However, low heat energy prices in cities with a dominant share of heat energy consumption did not ensure a positive net present value of investment for all buildings.

The COVID-19 pandemic enhanced digital transformation. With the spread of the pandemic and the introduction of epidemiological measures, citizens were enforced to use the Internet to an increased extent. The digital divide among citizens and the capability of citizens to get an equal level of services has also come to the fore. The paper explores the changes in the use of e-government services and the impact of the pandemic on the citizens’ attitudes toward Internet use in Croatia. The analysis is based on the survey data. The results show that due to the pandemic, citizens became more dependent on IT equipment. Citizens spend more time using digital public services than in the pre-pandemic period. The results also reveal differences in the COVID-19 impact on the use of digital public services between different groups of population.