Across the Western Balkans, small and medium-sized enterprises (SMEs) account for over 99 percent of firms and between 66 and 83 percent of employment. Yet…
As the past few years have been increasingly defined by fragmentation — geopolitically, economically, and technologically — the case for regulatory reciprocity is not only…
Despite rapid advances in digital innovation, global payment systems remain fragmented creating inefficiencies, limiting financial access and exposing users to fraud risks. A customer traveling…