The aim of the paper is to review academic papers on financial technology (FinTech) to identify how banks are going to survive in future against FinTech revolution of non-banks. Therefore, the paper summarizes the findings of existing literatures in this emerging sector and highlights the lessons for the FinTech firms, banks, regulators, and other stakeholders of FinTech across the world. The systematic literature consists of 13 closely relevant studies on FinTech. The paper suggests that introducing own online platform, acquisition of non-bank fintech competitors or partnership with these firms can protect banks from future survival against FinTech challenges. The paper demonstrates that academic papers are rare in the field of non-bank’s FinTech revolution and bank’s future survival that indicates huge potential for further research to be conducted by several stakeholders in FinTech industry specially academia, practitioners, and regulators. The paper is expected to add value demonstrating the key findings of existing literatures and summarizing significant lessons for the banks, non-bank FinTech firms, investors, policy makers and regulators.

Interregional links in their complexity within the human activity have been historically conditioned by economic factors, either in the form of exploitation or the exchange of material goods. Kosovo is among the countries that have provided optimal conditions for the use of natural resources, while with the Adriatic area there has been a certain direction of economic relations since the most ancient periods.Links between Kosovo and the Adriatic have been of varying intensity through history, but particularly have been pronounced in periods of involvement in political and administrative units, such as the Roman, Byzantine and Ottoman Empires. Since it was known as a name, in the Middle Ages, Kosovo has not encompassed the same territory that exists today. Kosovo's economic and trade relations with the Adriatic had a specific development during the Ottoman period, which lasted more than five centuries in Europe, from the 14th to the beginning of the 20th century. As a specific mode of commercial activity, the caravans and land routes they followed played an important role until the end of the 19th century

The celebration of victory, along with the demonstration of power and invincibility, was one of the key elements of public art in advanced ancient civilizations. Ancient Greece was no exception. Classical Athenian art was largely funded by the Athenians’ military booty and the members of the Delian League. Every piece of work was designed to make the unity and power of the Greek world visible, led by Athens, to emphasize the difference between Greeks and those they called barbarians. Permanent monuments, tropaia, served to constantly remind people of the great triumphs of the Hellenes over defeated enemies. They began to appear during the Greco-Persian Wars. These were community works that later became a model for the propaganda repertoire of the Romans and other nations. However, there were not the only Greek memorials celebrating victory. In individual city-states and temple districts were buildings, sculptures and paintings celebrating the power of Hellenes that were complemented by literary works of poets and playwrights. The effort to make military power and superiority more visible in art was also characterized by the fratricidal battles of the Greeks during the Peloponnesian Wars.

Given the fact that post-war Kosova was in a serious socio-economic situation, immediate recovery of the contry was needed. Kosova's post-war business challenges were enormous, Kosova's economy comprised a new and open economy driven by a centralized and regulated economy. So far, Kosova has made progress in business creation and development, but the challenges and problems remain significant. The International Interim Administration in Kosova established after 1999, which operated until 2003, enabled the temporary registration of businesses. After 2003 the business registration became a positive trend, where the temporary registration of businesses became permanent registration of businesses. The purpose of this paper is to analyze the establishment and development of new businesses, the establishment of new women-owned business structures in Kosova, analyze and identify the most preferred economic investment activities of these registered businesses. To achieve this purpose of comparative analysis and identification, the integrative review method is used.

After the collapse of the Ottoman Empire, the traditional waqf law has gone through a reform. Republican reforms abolished the Islamic waqfs and replaced them with foundations, an institution adapted from the Swiss Civil Code as it was regarded practically more eligible to reshape the former system. Turkish Republic introduced a new civil code in 1926. Under this new code , the waqf institution was changed into an organization detached from its Islamic background. The present essay is going to examine the waqf reform carried out in modern Turkey. The kind of the waqf prescribed by the code of 1926 and the waqfs existed during the Ottoman times were entirely different institutions. The predominant aspect of the newly introduced waqf is evident in its new status which is detached from its religious background. It was actually created and appropriated by considering the similar European organizations. Under the new law waqf is realized as a legal entity. The Islamic perpetuity principle has a rather different meaning under the Turkish Civil code. In this respect, this article will not only consider the legal aspects of waqf law but also it will consider the historical circumstances that paved the way to reshaping the former waqf system in the Republican era.

Organized retailing in Bangladesh is growing rapidly. Though the researchers and academicians studied the retail industry of Bangladesh in different dimension, very few of them intended to explore the challenges of traditional retailers so far. In line with this problem, the objective of this study is to identify the challenges of the traditional FMCGs retailers in emergence of organized retailing in Sylhet city. The study is quantitative in nature, data were collected from 400 traditional retailers on the basis of convenience with a semi-structured questionnaire. In analyzing data, descriptive statistics and factor analysis were used with the SPSS software. The traditional retailing is male dominated, low capital and turnover, small sized business in Sylhet and are facing challenges like decrease in sales and revenue, maintaining more hygienic environment, ensure the availability of quality products, launching the use of technology etc. in emergence of organized retailing. To minimize the challenges, the traditional FMCGs retailers need to be educated to obtain knowledge on business, ensure quality products and services, establish joint venture or partnership with other retailers to create chain stores, design effective loyalty programs and arranging customized merchandize for the loyal customers etc. The present study will help the traditional retailers in identify the real challenges of their business and designing strategies to minimize those. The policy makers and stakeholders may also get insight from the study in formulating policies to protect the traditional retail business from the competition of organized retail.

Building a multicultural society is one way of finding a Vivendi mode for resolving the national status of autochthonous peoples, minorities, minority communities or minority groups in the country, without conflict and war. In such a society, these peoples and groups exercise their right to resolve their political status, their economic, cultural and social development through constitutional possibilities, through international documents, all through various democratic mechanisms - referenda, agreements, etc. In that way they regulate their right to internal-internal, and sometimes external-external self-determination, and thus acquire certain elements of their international legal subjectivity. In this paper, we want to make some clarifications on the construction and functioning of a multicultural and / or intercultural society, using the research of the author Andrea Semprini and his book on Multiculturalism in the United States, with the intention that this may serve as an instructive practical-theoretical example of solving similar problems in our former Yugoslav - above all, the Sandžak area.

The Adriatic coast is characterized by the presence of a highly diversified lagoon system. That is considered to be a high tourism potential and a basis for a more sustainable development of the economy of the area in which they are found. Changes of sea level rise on the Adriatic coast lagoon prominently displayed on the change of biodiversity. Besides the natural factors in this lagoon as well as all other lagoons of the Adriatic coast it feels a lot during the last 60 years of pressure from human society itself. In the dynamics of the waters of the Patok lagoon play a major role in hydrological processes of climate (the arrival of water through tides, increasing during heavy autumn, winter flooding, evaporation process of the wind, etc.), which raise or lower the level water in the lagoon creating this process through channels connecting the Patoku sea. The study aims to identify the values of this wetland complex located in the coastline and is identified as a region in a critical condition and vulnerable to climate change. Here, it can be successfully develop several types of tourism: the creative and ecological. The chaotic urbanization and the problems that derive from it, have arisen massive violation of environmental balance, associated with environmental, social and demographic problems. The paper, it is based on a multi-year work to show their biodiversity values, as well as the measures needed to be taken in order to build the tourism sector

Thanks to e-commerce it has never been easier to conduct business throughout the world and it has never been timelier enriching international customers. E-commerce is also an incurable tool for new businesses as it allows them to rapidly broaden their customers, interact with customers in businesses throughout the world, an inexpensive market and advertise the company worldwide. In the other hand the impact of GDP, positive or negative, is a very important one for the revenue of organizations within a country.Given the fact that e-commerce has become a very profitable way to conduct business and GDP is another important factor for organizations, we have decided through this paper to analyze their impact on the revenue of one of the biggest mobile operators in Macedonia called “ONE”. At the end of the research we will be able to show whether investing in e-commerce has been profitable for the Macedonian mobile operator “ONE”.

This study was performed on the older employees who work in small and medium sized enterprises in Ankara in Turkey. This study involved a survey consisting of 16 questions that applied to the employees. 61 females and 103 males within a total 164 employees who were aged over 55 participated in the survey. Current situations which were about the demographic structures, working conditions, problems of workplace and health problems of the employees, were determined by the survey. 63% of the employees consist of workers who were previously entitled to pension. Moreover 64% of the employees were aged 55-59, 27% were 60-64 and 9% were over aged 65. There are no female employees aged over 65. All of the retired employees stated that their salaries were insufficient to meet the needs. 13% of the participants were white-collar worker, 50% of them have worked in the jobs needing physical power. 20% of the participants said that they benefited from their previous experiences. 69% of the employees complained about a chronic disease. There were no employees who work although it is prohibited due to the health problems. 14% of the employees stated that they will continue to work even if they have adequate financial means and none of them were female. It is observed that generally older employees encounter many problems. It is observed that it would be wrong that older employees were isolated from their work environments by improving their opportunities. Absolutely it should be exploited from the personal experiences of these employees.