engleski

Source of financing and digital transformation - case study of Varazdin and Medjimurje County

Digitalization is becoming a part of everything today and enterprises are not an exception. Many enterprises in the world (especially in North America) are digitally educated and because of that, they have high ROE every year and its benefits are being shown in the country GDP and employment rate. That is not the case in Varazdin and Medjimurje counties, whose condition is being observed in this paper. These counties show very low investment rate in R&D and do not have full digital transformation because of the inertness of employees and financial hostility of the management because digital transformation is being considered as a very costly move and it does not show any instant benefit in the close future (speaking in the ROE). Many financing and R&D programs are shown in this paper like MOOCs, national programs and strategies (i.e. S3). Since Croatia is in the EU, European funds and national institutions (i.e. HAMAG BICRO) play a large role in financing investments in digital transformation and innovations.

Digital transformation, SMEs, R&D, financing program

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