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Articles 1 - 30 of 255
Full-Text Articles in Other Business
Regional Creative Economy Resilience Index: An Analysis Of The Creative Industry's Role In Fostering National Economic Resilience According To Asta Cita, Dks Nugraha Nugraha, Ramadhania Mumtaz Keesa
Regional Creative Economy Resilience Index: An Analysis Of The Creative Industry's Role In Fostering National Economic Resilience According To Asta Cita, Dks Nugraha Nugraha, Ramadhania Mumtaz Keesa
Jurnal Vokasi Indonesia
Indonesia's creative economy has survived worldwide economic shifts, especially the COVID-19 epidemic. This industry now drives innovation, culture, and technology. No systematic technique exists to quantify the creative ecosystem's impact on regional economic resilience. The Regional Creative Economy Resilience Index (IRED) is a conceptual model based on Asta Cita 2024–2029's eight strategic missions. This article uses the Asta Cita framework to describe how the creative industry strengthens national economic resilience and advances the IRED idea as a data-driven research and policy tool. This qualitative-descriptive study synthesizes 20 periodicals (2020–2025), analyzes policy, and maps themes using Asta Cita. Source triangulation …
The Game Within: An Anthropological Approach To Games And Play, Nehal Maged Mohamed
The Game Within: An Anthropological Approach To Games And Play, Nehal Maged Mohamed
Theses and Dissertations
This thesis is based on an eighteen-month ethnography of El Ghawasa, an Egyptian play-based organization that designs educational games, tools, and services. Claiming that El Ghawasa, with its ethos of play, seeks to create an alternative to the capitalist corporate structure. Through tracking how this organization navigates ruptures, negotiates constraints, and experiments with different practices and internal restructuring, I explore the possibilities and limitations of El Ghawasa, while attempting to resist absorption by the very system it opposes. I ask: when the rules keep changing (while the logic of the capitalist corporate structure remains the same), and the boundaries of …
Entrepreneurship Ecosystems, Desire, And Convergence, Kyle Scott
Entrepreneurship Ecosystems, Desire, And Convergence, Kyle Scott
Journal of Business & Entrepreneurship
Entrepreneurship ecosystem research explains convergence through mechanisms such as informational cascades, institutional isomorphism, herding, clustering, and knowledge spillovers. While these perspectives account for how convergence occurs, they provide a more limited explanation of why entrepreneurs, investors, and other ecosystem participants come to pursue the same ventures, industries, and measures of success. This paper argues that convergence reflects the social mediation of desire. Drawing on René Girard's theory of mimetic desire, it develops a conceptual framework explaining how entrepreneurial desire becomes aligned within shared evaluative environments. The paper advances three propositions. First, ecosystems characterized by evaluative monism are more likely to …
How Does An Advanced Educator Utilize Digital Language Teaching And Learning By Integrating Linguistic, Cultural, And Business Life Perspectives?, Hely Westerholm, Pirjo Takanen-Körperich, Ph.D.
How Does An Advanced Educator Utilize Digital Language Teaching And Learning By Integrating Linguistic, Cultural, And Business Life Perspectives?, Hely Westerholm, Pirjo Takanen-Körperich, Ph.D.
International Journal for Business Education
This paper explores advanced educators’ digital working capabilities in online language teaching, with a particular focus on sharing Finnish language and culture in a foreign context. Cultural and linguistic knowledge play a significant role in enhancing students’ motivation to study foreign languages. In today’s educational environment, digitalisation and globalisation exert an increasing influence on foreign language teaching and learning.
The digital learning environment has brought about a paradigm shift in foreign language didactics. Digital language learning is both challenging and holistic in nature. Continued foreign language learning is simultaneously an individual and a social process, as digital learning cultures impose …
How Grades Changed Before, During And After Covid-19 In A Business College, Douglas R. Moodie, Alison Keefe, Robin Cheramie
How Grades Changed Before, During And After Covid-19 In A Business College, Douglas R. Moodie, Alison Keefe, Robin Cheramie
International Journal for Business Education
Purpose: This study examines how undergraduate business student grades changed before, during, and after the COVID-19 pandemic using a large institutional dataset from a business college in a US university between 2015 and 2024.
Method: The analysis includes over 390,000 student-course observations and incorporates instructional modality, student demographics, course characteristics, and prior academic performance.
Results: Results show a substantial increase in mean course grades during the COVID-19 period, followed by a partial reversion post-pandemic to levels that remain above pre-pandemic trends. These patterns are consistent across modalities, demographics, and departments.
Implications: The findings raise important questions regarding the interpretation of …
Bus 104: Business Start-Up / New Business Idea Presentation, Remi Alapo
Bus 104: Business Start-Up / New Business Idea Presentation, Remi Alapo
Open Educational Resources
The Business Start-Up / New Business Idea Presentation serves as the culminating assignment for BUS 104 by asking students to apply core business concepts to the development of an original business idea. Working in pairs, students design and present a professional start-up proposal that integrates major course topics such as entrepreneurship, ownership, management, organizational structure, human resources, marketing, ethics, and financial management. The assignment emphasizes critical thinking, collaboration, research, and oral communication while helping students connect classroom learning to real-world business planning. Through this project, students demonstrate their ability to analyze business opportunities, make strategic decisions, and present a clear …
Benchmarking Digitalized Innovation In Business Strategy Across Msmes, Shyam Sundar. S, Uma Raman. M, Shanmuga Priya. G, C. M. Sudha Arogya Mary
Benchmarking Digitalized Innovation In Business Strategy Across Msmes, Shyam Sundar. S, Uma Raman. M, Shanmuga Priya. G, C. M. Sudha Arogya Mary
Markets, Globalization & Development Review
The contemporary globally interconnected economy is fundamentally changing international trade and opening up new prospects for businesses, particularly Micro, Small, and Medium-Sized Enterprises (MSMEs). The basic concept of global business is changing in the modern world due to the digital environment. To preserve their competitive advantage both domestically and internationally, businesses must look for new opportunities. Since the usage of digital technology is causing entrepreneurial processes to become more fluid and irregular over time and space, our research chose a conceptual approach to examine how the digitalization of MSMEs would benefit decision-makers in global organizations. Using a conceptual approach, as …
Customer Lifetime Value (Clv): A Qualitative Study From India On How Satisfaction, Relationships, Loyalty And Wom (Word-Of-Mouth) Shape Clv, Sharmistha Bhattacharyya, Mrinmoy Kumar Sarma
Customer Lifetime Value (Clv): A Qualitative Study From India On How Satisfaction, Relationships, Loyalty And Wom (Word-Of-Mouth) Shape Clv, Sharmistha Bhattacharyya, Mrinmoy Kumar Sarma
Markets, Globalization & Development Review
The study aims to assess the impact of non-financial measures like satisfaction, relationship-related driver, loyalty and word-of-mouth on the lifetime value of customers of small retail businesses. This work is targeted to develop a conceptual phenomenon on the impact of these drivers on customer lifetime value from the viewpoint of owners of the entities. 30 in-depth interviews are conducted. The interviews are analysed following the six-step thematic analysis method. The analysis reveals significant influence of all the four factors. It is found that the participants have their own ways of maintaining these drivers for an enhanced lifetime value. The study …
Design Thinking For Corporate Social Responsibility Program Proposal Creation, Michelle "Mindy" D. Danovaro
Design Thinking For Corporate Social Responsibility Program Proposal Creation, Michelle "Mindy" D. Danovaro
University of the Pacific Theses and Dissertations
This qualitative study used action research to explore how the use of design thinking engaged employees in the creation of a corporate social responsibility (CSR) program proposal in a small- to medium-enterprises (SME) in the Sacramento region of California. The purpose of the study was to assess whether employee participation in a design thinking exercise could improve employee perception of engagement, inclusion, and reciprocity during the CSR program proposal creation. The study was grounded in social exchange theory, stakeholder theory, and design thinking methodologies. The iterative research process followed action research cycles (i.e., plan, act, observe, and reflect) integrated with …
Helping Craft Beer Hunters Make Their Next Great Beer Discovery, Mark Mitchell, Sheila Mitchell
Helping Craft Beer Hunters Make Their Next Great Beer Discovery, Mark Mitchell, Sheila Mitchell
Atlantic Marketing Journal
The number of craft beer producers and consumers in the United States has increased dramatically over the last ten years. This manuscript provides an overview of the craft beer marketplace in the United States with a focus on the craft brewers and retailers as well as the consumers who favor craft beers. Craft beer enthusiasts are a “consumption community” or, a group of consumers who share a deep involvement with the craft beer category. This study presents a list of common business practices designed to appeal to this unique consumer group.
Trailblazing Pathways: Personal Traits Fueling Success For Underrepresented Minority Entrepreneurs, Rebecca P. Wilson
Trailblazing Pathways: Personal Traits Fueling Success For Underrepresented Minority Entrepreneurs, Rebecca P. Wilson
Dissertations
This study examines how entrepreneurial personality traits influence business outcomes among underrepresented minority entrepreneurs in the United States. Specifically, it investigates the effects of entrepreneurial self-efficacy, locus of control, risk tolerance, and extraversion on entrepreneurial performance, as well as the moderating role of grit and the mediating role of business networking. Although underrepresented minority entrepreneurs contribute significantly to innovation and economic growth, they continue to face persistent barriers, including limited access to capital, mentorship, and supportive entrepreneurial ecosystems. Guided by Trait Theory of Entrepreneurship and Social Cognitive Theory, this study employed a quantitative, cross-sectional survey design with embedded open-ended questions …
Exploring The Obstacles And Enablers Of Female Entrepreneurs In Pakistan's Service Sector: A Pathway To Gender Equality, Social Inclusion, And Sustainability, Syed Aamir Alam Rizvi, Dr. Muhammad Azeem Qureshi Associate Professor, Dr. Junaid Ansari Associate Professor
Exploring The Obstacles And Enablers Of Female Entrepreneurs In Pakistan's Service Sector: A Pathway To Gender Equality, Social Inclusion, And Sustainability, Syed Aamir Alam Rizvi, Dr. Muhammad Azeem Qureshi Associate Professor, Dr. Junaid Ansari Associate Professor
Journal of Business & Entrepreneurship
The research investigates women's motivation, and challenges in business, focusing on gender equality and social inclusion's impact on female entrepreneurs in the service industry. This is qualitative research. Phenomenology served as the research design. The semi-structured interviews were employed for interviews from eighteen entrepreneurs after acquiring ethical approval. Thematic analysis was employed as a data analysis approach. Multiple methods assured rigor. The study's outcome addressed several themes, suggesting that Women's entrepreneurship may increase social inclusion, and gender equality, and lessen poverty. Nevertheless, Pakistani women entrepreneurs experience hurdles such as social and cultural restraints, discrimination, and gender inequities. Despite these hurdles, …
Passenger Delight In Liminal Spaces: Uncovering The Dynamics Of Airport Airside F&B, Thorsten Merkle, Sushanta Das
Passenger Delight In Liminal Spaces: Uncovering The Dynamics Of Airport Airside F&B, Thorsten Merkle, Sushanta Das
ICHRIE Research Reports
The airport airside environment is a unique and highly consequential setting for consumer behavior, where passengers’ food and beverage (F&B) decisions are shaped by time pressure, emotional states, and spatial constraints. This study empirically validates two complementary frameworks - the CX Delightors Framework and the Airport Airside Consumption Model - in the U.S. context to deepen understanding of passenger behavior in this liminal space. Using survey data from 1,374 passengers across three major U.S. hub airports (DEN, PHX, SLC), we conducted principal component analyses to refine the original nine CX Delightors attributes into five robust dimensions: Hospitality & Ambiance, Value …
Living Heritage, Resilience And Ethically Informed Infrastructures In Malawi, Martha B. Lerski, Frank Puluputu Mwale
Living Heritage, Resilience And Ethically Informed Infrastructures In Malawi, Martha B. Lerski, Frank Puluputu Mwale
Publications and Research
Rooted in a rural community’s needs, this paper explores how historically, and ethically informed infrastructures can support community engagement towards identification, documentation, and dissemination of local, traditional, and indigenous knowledge relating to climate change. The paper examines climate adaptation and sustainability issues through the lenses of community organizing and Library & Information Science best practices. It draws on a growing body of literature identifying a role for expanded epistemological and subject discipline perspectives. While the impacts of climate on material culture are increasingly recognized, intangible, and biocultural heritage have not received as much attention. Living heritage traditions and knowledge systems …
Provision Cfo: Empowering Strategic Financial Excellence For Small Businesses And Entrepreneurs, Cindra Vang
Provision Cfo: Empowering Strategic Financial Excellence For Small Businesses And Entrepreneurs, Cindra Vang
Doctor of Strategic Leadership (DSL) Capstone Abstracts
Project Overview
ProVision CFO offers strategic financial management solutions tailored to the unique needs of entrepreneurs, small businesses, and rapidly growing organizations. This project aims to equip clients with robust financial strategies and actionable insights necessary for sustainable growth, operational excellence, and long-term success. ProVision CFO provides comprehensive financial guidance including fractional CFO and accounting services.
Project Themes
The ProVision CFO framework encompasses three key components designed to optimize financial performance and organizational effectiveness. Component One—Strategic Clarity: Establishing clear financial goals aligned with organizational vision, mission, and values. Component Two—Financial Optimization: Providing accounting services to streamline financial processes and enhance …
Adaptation For Whom? Understanding The Impacts Of Dyke Policies On Small-Scale Farmers In Ca Mau Province Of Vietnam, Nguyen Minh Quang, Nguyen Van Minh, Nguyen Vo Chau Ngan, Martha B. Lerski
Adaptation For Whom? Understanding The Impacts Of Dyke Policies On Small-Scale Farmers In Ca Mau Province Of Vietnam, Nguyen Minh Quang, Nguyen Van Minh, Nguyen Vo Chau Ngan, Martha B. Lerski
Publications and Research
Low-lying deltas worldwide are extremely vulnerable to sea-level rise. As the risks of climate-induced flooding become increasingly clear, the thirst for infrastructure-driven adaptation increases. This highlights a patent need to understand the impacts of engineering adaptation solutions, especially those targeting built structures such as dykes and sluices, on farmers from a bottom-up, farmer-centred perspective. The study addresses this call by examining cases where dyke policies, while successful in some dimensions, have undermined small-scale farmer livelihoods in Ca Mau ― Vietnam’s southernmost rural province. It identifies areas in need of attention and adds empirical data related to this group of farmers. …
Potential Impact Of Artificial Intelligence On Small And Medium Enterprises Innovation In The Eu: A Perspective From Poland, Malgorzata Wilczynska, Alina Walenia, Artur Dabek, Daniel Salabura, Halina Kot
Potential Impact Of Artificial Intelligence On Small And Medium Enterprises Innovation In The Eu: A Perspective From Poland, Malgorzata Wilczynska, Alina Walenia, Artur Dabek, Daniel Salabura, Halina Kot
Markets, Globalization & Development Review
The development of small and medium-sized enterprises is a complex process that requires the use of all approaches to achieve success. In this regard, finding opportunities to use artificial intelligence in such companies is of great importance. The study aims to assess how this technology affects the innovation and financial performance of small and medium-sized enterprises. To draw the main conclusions, the implementation of artificial intelligence at Polish enterprises, including in the context of their financial performance, namely the level of return on assets and the level of debt, was analysed. The study showed that the introduction of artificial intelligence …
A Business Model For Communication Design Enterprises (Paper), Con Kennedy
A Business Model For Communication Design Enterprises (Paper), Con Kennedy
Academic Articles
Several international reports and studies indicate that the Communication Design sector has a skill deficit in entrepreneurship and business management, and a greater understanding of these topics is needed. Some authors advocate applying existing business models for design enterprises. However, the skill deficit prevails. It is worth noting that these reports discuss the entrepreneurship deficit in general terms without an explanation of the causes of this deficit or how to remedy the issue. Therefore, this paper explores the development of a Business Model specific for Design Entrepreneurs for deployment in Communication Design enterprises. A theoretical framework for a specific business …
Entrepreneurship Education: Understanding The Lived Entrepreneurial Experiences Of Community College Students In South Texas, Hussain Y. Sama
Entrepreneurship Education: Understanding The Lived Entrepreneurial Experiences Of Community College Students In South Texas, Hussain Y. Sama
Theses & Dissertations
Entrepreneurship education (EE) is a hot topic and has gained the attention and interest of scholars in the United States and globally. Despite the growth of EE, scholars have been marginalizing the impact of EE at the community college level and there is a dearth of studies in this area (Liguori et al. 2019; Mars & Ginter 2012). Therefore, I conducted this study to bridge this indicated gap and contribute to the EE literature through exploring the entrepreneurial learning and practical experiences of community college student entrepreneurs.
The purpose of this qualitative narrative inquiry was to better understand the lived …
Hogs For A Cause: Art As A Medium For Community Engagement, Jaden Hendrix
Hogs For A Cause: Art As A Medium For Community Engagement, Jaden Hendrix
Economics Undergraduate Honors Theses
With the power to influence various sectors of society, art is a dynamic medium for instituting change. To explore the power of art and its impact on communities, I am organizing an event in Fayetteville, Arkansas called “Hogs for a Cause.” Hogs for a Cause would double as an art competition and a community fundraising event for local charities, ultimately taking a multifaceted approach to enhancing our community through public art. This project will serve several purposes: showcase the work of local artists, support local charities, and foster community engagement and development. I will be collaborating with the …
Exploring Entrepreneurial Intention And Subjective Beliefs: A Comparative Analysis Of General Education Schools And Commercial Schools, Julia Riess, Bettina Fuhrmann, Gerhard Geissler
Exploring Entrepreneurial Intention And Subjective Beliefs: A Comparative Analysis Of General Education Schools And Commercial Schools, Julia Riess, Bettina Fuhrmann, Gerhard Geissler
International Journal for Business Education
This study examines the entrepreneurial intentions of Austrian secondary school students, specifically comparing students from commercial schools with those from general education schools. We analyzed 2,329 data sets and found that subjective beliefs, primarily behavioral and control beliefs, significantly influence entrepreneurial intentions. In addition, demographic factors such as gender, language, acquaintance with entrepreneurs, and school type play a significant role in explaining the variance in entrepreneurial intentions.
Our detailed analysis shows that students from commercial schools have stronger entrepreneurial intentions and subjective beliefs. Particularly notable are the differences in behavioral beliefs, where students from commercial schools find all aspects of …
Leading Horses To Water During A Pandemic: Assuring Communication Learning For "Quants", Thomas Hall
Leading Horses To Water During A Pandemic: Assuring Communication Learning For "Quants", Thomas Hall
International Journal for Business Education
Students who are attracted to quantitative disciplines of study can be reluctant to devote much attention to the important task of communicating, and previous research (Hostager, 2018) has identified statistically significant differences in learning approaches by major among undergraduate business students. This paper presents results of learning assurance for writing skills (direct measures) even when the content of the course relates to the highly quantitative topics of data analytics and finance. The approach combines various pedagogical methods in an undergraduate, writing-intensive setting: traditional testing but in an iterative framework, “flipped classroom” intensive work using spreadsheet software, repeated submission of brief …
Nonprofit Leader Experiences In Sector-Bending After Lean Six Sigma Training: Tension, Concepts, And Changed Behaviors, Beverly Codallos
Nonprofit Leader Experiences In Sector-Bending After Lean Six Sigma Training: Tension, Concepts, And Changed Behaviors, Beverly Codallos
Dissertations
Government, business, and nonprofit represent three distinct types of organizations governed by different legal frameworks designed to facilitate collective action (DiMaggio & Anheier, 1990). The emergence of hybrid forms and increasing isomorphic pressures in the nonprofit sector (Bromley & Meyer, 2017; McCambridge, 2014) have challenged the traditional separation of organizational forms. This study explored the phenomenon popularized as sector-bending, “a wide variety of approaches, activities, and relationships that are blurring the distinctions between nonprofit and for-profit organizations, either because they are behaving more similarly, operating in the same realms, or both” (Dees & Anderson, 2003, pg. 16). This qualitative study …
Systemization & Survival -- “Houston, We Have A Problem” – Business Lessons From Apollo 13, Judith Jacob Iddy, Njeru Zakayo
Systemization & Survival -- “Houston, We Have A Problem” – Business Lessons From Apollo 13, Judith Jacob Iddy, Njeru Zakayo
Markets, Globalization & Development Review
In the business world, there are different factors that determine whether a business will survive or not. Apollo 13 film perfectly demonstrates what every business undergoes throughout its lifecycle. Apollo 13 spacecraft started its journey to the moon successfully with the mission being to land on the moon. Unfortunately, within a very short period of time, Apollo 13 started to experience a series of problems that required quick actions and decisions to be made with the involvement of different sets of technical skills. Ultimately, by using the prototype and systems which NASA had established for Apollo 13, the teams managed …
Honors Project Hartville Potato Chips (Final) - College Of Business - Team 5 (Marketing Partnerchip), Isabela Schroeter, Justin Kriess, Trent Thomas, Devin Maddox, Irina Hacck, Jake Lubic
Honors Project Hartville Potato Chips (Final) - College Of Business - Team 5 (Marketing Partnerchip), Isabela Schroeter, Justin Kriess, Trent Thomas, Devin Maddox, Irina Hacck, Jake Lubic
Williams Honors College, Honors Research Projects
TO EXPAND THE HARTVILLE POTATO CHIP COMPANY BRAND IN A WAY THAT WILL CREATE A UNIQUE POSITION IN THE MIND OF THE CONSUMER.
An Examination Of The Relationship Between Cheating In Online Classes And Technostress: Perceptions Of Business Faculty, Stacy Boyer-Davis, Kevin Berry, Amy Cooper
An Examination Of The Relationship Between Cheating In Online Classes And Technostress: Perceptions Of Business Faculty, Stacy Boyer-Davis, Kevin Berry, Amy Cooper
International Journal for Business Education
This research study investigated the relationship between technostress creators (techno-complexity, techno-insecurity, techno-invasion, techno-overload, and techno-uncertainty) and faculty perceptions of student cheating in online classes. Data were collected from faculty members of the Management and Organizational Behavior Teaching Society (MOBTS), a member of the AACSB Business Education Alliance, the American Society of Business and Behavioral Sciences (ASBBS), an interdisciplinary professional organization comprised of faculty teaching in accounting, finance, management, marketing, organizational behavior, and computer information systems, and other research panels during 2021 (N = 94). Findings from regression analysis indicated that the techno-complexity subconstruct is positively related to a faculty’s perception …
Management Of Operations In Projects Including Planning, Organization And Control From The Beginning To The End Of Implementation, Burim Isa Berisha Dr.Sc
Management Of Operations In Projects Including Planning, Organization And Control From The Beginning To The End Of Implementation, Burim Isa Berisha Dr.Sc
International Journal of Business and Technology
The project usually arises as soon as the client’s need is identified, and goes through all the extensive phases and sub-phases to take its true form and put into operation. The project is divided into two main parts that include Planning and Implementation that are separate in these stages: definition, planning, organization, control, completion. Planning involves a detailed calculation of the project. This includes known facts, admissible facts and risk calculation. Activity model used by IKOMs Planning as a process involves the cost that accompanies it. The manager must strike the balance between cost and benefit. Project control uses data …
Project Planning And Control, Burim Isa Berisha Dr.Sc
Project Planning And Control, Burim Isa Berisha Dr.Sc
International Journal of Business and Technology
Operations management is important because it relates to the creation of products and services on which we are all dependent. Operations management is also quite motivating; operations are the center of many changes that affect business - changes in customer preferences, changes in the supply chain caused by technologies based on the businesses where we work, where we want to work and so on.
Operations Management includes the role of operations management, the various characteristics of processes, management activities, the responsibilities of managers, and the timely evolution of Operations Management.
Operations Management is a constant change, fostering creativity which allows …
Management Of Small Enterprises And Family Businesses In The Republic Of Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B
Management Of Small Enterprises And Family Businesses In The Republic Of Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B
International Journal of Business and Technology
Small businesses represent the driving force of an economy. They are the key that enables the production and marketing of thousands of products and services thus becoming the basis for a sound economic development. Consequently, small businesses are of vital importance to the economy.
Small business is a generator of innovation and a source of new jobs. The trend shows that small businesses are the backbone of all developments and movements in the economic system.
The small business scope is present in almost every pore of social and economic life.
According to the Statistical Register for Businesses, there are 9,358 …
The Process Of Adapting Innovations In Banking Services By Businesses In Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B
The Process Of Adapting Innovations In Banking Services By Businesses In Kosovo, Burim Isa Berisha Dr.Sc, Burim Berisha B.B
International Journal of Business and Technology
This dissertation addresses the importance of a business model from businesses in Kosovo, which is able to adapt innovations from the banking sector such as digital services, and through which become part of a global market where such developments occur step by step. very fast At the beginning of this paper will be given definitions related to the main concepts that are addressed such as business model, innovations in banking services - digitalization of services and the role and importance of linking a business model with banking services of the time. After the theoretical part, from which the main concepts …