Project Title
Social Dimensions of Monetary and Digital Transformation

Programme
Institutional Research Project financed from source 581 – Recovery and Resilience Facility

Project Leader
Josip Visković

Project Acronym
DDMDT

Duration (in months)
48 (01 October 2025 – 30 September 2029)

Approved Funding Amount
EUR 132,250.00

Scientific Area
Social Sciences

Scientific Field
Economics

Funded by the European Union – NextGenerationEU. The content of this website is the sole responsibility of the project team and does not necessarily reflect the views of the European Union.

The project examines the multilayered social implications of monetary and digital transformation that shape all segments of contemporary society. It focuses on the Republic of Croatia’s accession to the euro area and the announced introduction of the digital euro (CBDC – Central Bank Digital Currency) by the European Central Bank, alongside the growing integration of advanced technologies into the financial industry and the broader social context. Technological innovations are transforming business operations, the structure and competencies of the workforce, product development, and relationships with clients, but they also pose challenges for citizens, businesses, and the public sector. Intensive digitalization raises concerns regarding privacy protection, data misuse, and increased exposure to cyber risks. Moreover, changes in the labor market demand continuous adaptation and the development of new competencies.

The project therefore aims to analyze the effects of Croatia’s entry into the euro area, investigate the impact of introducing the CBDC on the financial system, citizens, and businesses, and assess the effects of technological progress on financial institutions, financial markets, and the economy. Special attention is given to examining the level of digital and financial literacy among citizens, as well as the perception and acceptance of new technologies in the provision of financial, public, and other services. The project also analyzes labor market changes driven by digitalization and the need for new skills, the role of regulatory and supervisory authorities in ensuring security, transparency, and privacy, and finally, the impact of digital technologies on young people—their competencies, expectations, and position in the digital society.

Josip Visković, project leader
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: jviskovi@efst.hr
Tel: +385-21-430-751
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Petar Akrap, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: petar.akrap@efst.hr
Tel: +385-21-430-665
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Paško Burnać, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: pburnac@efst.hr
Tel: +385-21-430-759
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Marijana Ćurak, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: mcurak@efst.hr
Tel: +385-21-430-723
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Šime Jozipović, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: sjozipov@efst.hr
Tel: +385-21-430-743
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Management

Lana Kordić, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: lana.kordic@efst.hr
Tel: +385-21-430-753
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Tourism

Dujam Kovač, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: dujam.kovac@efst.hr
Tel: +385-21-430-731
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Marko Miletić, project associate
University of Split – University Department of Professional Studies, project associate
Kopilica 5, 21 000 Split, Croatia
e-mail: marko.miletic@oss.unist.hr
Tel: +385 91 44 33 830

Mario Pečarić, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: mpecaric@efst.hr
Tel: +385-21-430-703
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Sandra Pepur, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: sandra.pepur@efst.hr
Tel: +385-21-430-630
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Marko Perkušić, project associate
University of Split, Faculty of Forensic Sciences
e-mail: marko.perkusic@forenzika.unist.hr

Doris Podrug, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: doris.podrug@efst.hr
Tel: +385-21-430-696
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Management

Ana Rimac Smiljanić, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: arimac@efst.hr
Tel: +385-21-430-628
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Tea Šestanović, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: tea.sestanovic@efst.hr
Tel: +385-21-430-761
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Quantitative Methods

Marija Šimić Šarić, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: marija.simic.saric@efst.hr
Tel: +385-21-430-764
Fax: +385 21 430 701
Field: social sciences, field Economics, branch Finance

Josipa Višić, project associate
University of Split, Faculty of Economics
Cvite Fiskovića 5, 21000 Split, Croatia
email: jvisic@efst.hr
Tel: +385-21-430-764
Fax: +385 21 430 701
Field: social sciences, field Economics, field Economics, branch General Economics

Research Team Meeting

On Thursday, February 26, 2026, a working meeting of the research team members was held, during which the participants were informed about their responsibilities, the planned timeline of activities within the work plan, as well as the basic rules applied within the project, all with the aim of ensuring the efficient implementation of all project tasks. They were also introduced to the processes and procedures for implementing individual items within the financial plan.