Frontier capital markets are a specific category within emerging markets, characterized by lower market capitalization, liquidity, and fewer investment constraints. These markets do not offer opportunities for investment and their functionality for companies to finance their future endeavors is not efficient. This paper offers a comprehensive examination of smart contracts, including their functioning principles, prevalent platforms, and uses. Consequently, it suggests a model for a junior stock market that utilizes blockchainsupported smart contracts. The model gives a framework for organizing the Junior stock exchange segment in frontier capital markets by offering a new fundraising method for SMEs. Application of this model simplifies the entry of smaller companies, allowing them to enter the market without regular trading requirements. Therefore, shift in financial instrument supply and alternative financing for young companies can boost market liquidity and capital mobilization. Blockchain technology ensures transparency and strengthens market confidence.

The purpose of this work is to show the development and evaluation of behavioural intentions of students by using mobile banking. The research goal is to explain determinants of students’ intentions towards the use of mobile banking. PLS SEM (partial least squares structural equation modeling) analysis was used for the model evaluation. The sample consists of 83 students from four higher education institutions operating in Bosnia and Herzegovina (B&H). Research results confirmed that subjective norm and attitude are significant predictors of the user’s attitude towards mobile banking acceptance, while the influence of self-efficacy was not determined. Attitudes related to mobile banking acceptance are primarily determined by perception of usefulness and self-efficacy, and to a lower degree by perception of privacy and security risk. Perception of mobile banking usefulness appeared to be the most significant predictor of attitudes, while simultaneously it influenced positively on acceptance of behavioral intention, including intervening effect of attitude variable. Digital literacy was proved to be a significant predictor for self-efficacy. From the perspective of banks, it is very important to see how a generation that a high potential for the use of modern technologies has perceives mobile banking, and what affects it to accept mobile banking. The results of this research are useful for banks to attract new younger users of mobile banking and increase their own benefits.

Behavioral economics suggests that people do not always decide rationally but are even predictably irrational. This gives rise to the concept of nudge, which creates an architecture of choices that encourages people to behave as they wish. Loss aversion is one of the best-known phenomena in behavioral economics and a central notion of the prospect theory. The main idea behind this phenomenon is that losses hurt more than gains feel good. The framing effect is a bias where people choose some options differently, depending on whether they are presented as a gain or a loss. In this quasi-experimental study, the authors examine the role of loss aversion and framing effects on students' engagement and academic success. This study aims to test the hypothesis that students will have a stronger reaction to the reduction of awarded points, as opposed to an increase of awarded points, as they progress through the course. This will motivate them to work harder and achieve better academic success. The results show significant differences between the two groups in favor of the group being graded using the point reduction grading scheme. This suggests that the power of loss aversion can be exploited to increase students' engagement and academic success. The existence of framing effect in this case has been demonstrated, which shows it might be possible to use the choice architecture to improve the student results.

A company follows the concept of corporate social responsibility (CSR) when, in addition to its basic economic functions, it fulfi lls other functions to achieve greater social goals. Corporate social responsibility is an imperative in the modern world of business while in theory, it is still the subject of discussions. Nevertheless, within diff erent theories, there is a certain consensus specifi cally related to the understanding of the importance of stakeholders and the existence of diff erent levels of CSR. Th e main aim of this paper is to explore and analyze employee perceptions of CSR activities in Bosnia and Herzegovina. Th is paper will present a survey of the perception of 100 corporate representatives related to CSR, with an analysis of the infl uence of sociodemographic factors and job characteristics on their attitudes. In addition, the paper off ers the conclusion, with a number of recommendations for improving the current state of CSR in Bosnia and Herzegovina.