欧洲复兴开发银行认为数字化转型是波黑经济发展的战略选择

Core Insights - Digital transformation is identified as a strategic choice for the economic development of Bosnia and Herzegovina, particularly for small and medium-sized enterprises (SMEs) facing talent outflow and market competition pressures [1][2] Group 1: Digital Transformation as a Strategic Tool - Digital tools such as cloud computing, e-commerce, and business process automation can significantly enhance operational efficiency for local businesses in Bosnia, helping them overcome geographical limitations and access regional and global markets [1] - The "Western Balkans Digitalization" initiative aims to provide special credit lines through local financial institutions, supported by a 10% investment incentive from the EU, focusing on automation upgrades, digital enhancements, and green technology applications [1] Group 2: Support for SMEs and Women-led Enterprises - The initiative particularly emphasizes support for women-led enterprises and micro-enterprises, offering free technical assistance to help SMEs meet EU standards and improve their market competitiveness [1] Group 3: Talent Development and Education Reform - There is a concentration of digitalization experts in cities like Sarajevo and Banja Luka, with many talents serving foreign companies through outsourcing [2] - Recommendations include modernizing education and implementing cross-industry retraining programs to systematically cultivate professionals in software engineering, cybersecurity, and artificial intelligence, ensuring that digitalization benefits are widely distributed rather than limited to a few [2]