High-tech enables payment evolution and global competition. The ambiguities surrounding of the digital currency still leave enough space for the analysis of its unreserved acceptance, trust and anticipation, which are the main driver for the spread of the network. Banks should carefully consider the technology underlying these cryptocurrencies as a potential generic new way of transferring ownership of the value over the long term. The chapter provides an analysis of the use of cryptocurrencies in general, especially Bitcoin as the technology adoption in the presence of network externalities. The objective attitude is the future of the digital currency in the moment is still unsolved issue due to the existence of "critical mass". Further, the chapter explores financial privacy which is very sensitive issue in using digital currency (or cryptocurrency) and discuss about private choices versus political rules. The research has shown that the future of cryptocurrencies can be bright if some institutional-formal conditions are met due to the fact that success evolution of e-money requires building safety payments through three criteria-standardization, compatibility and innovation.

The development of congress tourism was conditioned by the development of civilization, which aimed to gather an increasing number in various communities to spread knowledge and ideas and transfer technology. The role of congress tourism in the organization of congress events as well as in the choice of destination in the 21st century is an important factor in the development of the tourism sector since this form of business tourism is very important for the professional development of its participants and actors. . Also, due to the exchange of knowledge and experiences at various congress events, the overall development of the economy and science. Accordingly, the aim of this paper will be a two-step cluster analysis that will group countries into clusters based on two indicators -The number of meetings and the number of participants in meetings in 2019, according to the last updated data from ICAA. The lowest value of Schwarz's Bayesian Criterion will reveal the number of clusters, while the average value by clusters will determine the most dominant cluster of countries based on the mentioned indicators.

Euroisation is a problem with a long history and usually persistent phenomena. The high level of euroisation is common in

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Understanding the impact of human capital on the achievement of career success is essential for each individual in turbulent

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