The paper presents the concept of globalization and regionalization as well as the importance for these processes on the activity of enterprises. The article analyzes the trendsof globalization and regionalization within Polish enterprises and the importance of Poland joining the structures of the European Union in the context of the ongoing regionalizationprocess. Data was used to analyze the level of regionalization and globalization of Polishenterprises by analyzing Polish exports in the period 2006-2019. A measurable result ofthe analysis is a comparison of Polish intra-EU (impact of regionalization) and extra-EU (impact of globalization) exports in the analyzed period. The aim of this overview study is to explain the significance of globalization and regionalization and the essence of these phenomena for the international strategies of selected Polish enterprises.
Modern models of creditworthiness testing are automated. By creating models, the aim is to objectify the process and reduce the time to issue a credit decision. There is a difference between the creditworthiness testing used by banks that often use credit scoring and companies from the FinTech sector which base their ability testing on complex algorithms
that take into account the characteristics of the subject and person. Should be emphasized threats exemplified by the implementation of the program of the Chinese Social Credit System. It is based on a point social assessment that may have a direct impact on creditworthiness and in the future may be extended to the enterprises themselves. This leads to the surveillance of society. The purpose of this review paper is to discuss selected methods of assessing the creditworthiness of enterprises, used by institutions to reduce the risk of loan default. In addition, new directions of creditworthiness testing and examples of their application in Polish and foreign financial institutions will be presented
Customer Experiece is the total customer experience in connection with using service or product. Research and analysis regarding this factor is an important element of building a competitive advantage by entrepreneurs. These activities allow to determine the level of customer satisfaction with the services provided or products delivered. Such research is important in particular in the financial services market, which is characterized by high competitiveness, as well as the volatility of the product offer and solutions used, which result in the need to update its policy and solutions on an ongoing basis. The purpose of this publication is to determine whether and if so how the conduct of Customer Experience surveys may affect the scope of protection of consumer interests in the banking services market. This issue is important because the market generates a number of threats to these interests, which will be presented in this article.
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