Implementation of IT innovations in insurance industry enhances actual business models and creates new ones. E-insurance refers to creating and providing insurance and connected financial services through digital solutions. In this paper the impact of IT usage and digitalization on insurance sector in the Republic of Serbia is analysed. The aim of the proposed analysis is to reveal the determinants of the adoption of innovative technological solutions in insurance in the Republic of Serbia. Relying on the TOE framework, three groups of factors influencing the adoption of IT in e-insurance are identified: technological, organizational and environmental. Panel data approach and logistic regression are used to examine the effects of proposed factors on e-insurance adoption. The obtained results indicate that organizational and environmental factors have statistically significant influence on the achieved level of e-insurance adoption, while only the market share of the insurance company positively influences the odds of e-insurance adoption. Therefore, it can be concluded that e-insurance in the Republic of Serbia is the matter of reputation and tendency of insurers to achieve short-term gains and a competitive advantage through innovation.

The main objective of this study is to visualize the flood risk vulnerability of municipalities in the Republic of Serbia through mapping and spatial analysis of precipitation data and data related to the losses. GIS tools enable spatial analysis and visualization of historical data on losses combined with temporal and geo-spatial distribution of precipitation, and QGIS tool was used for visualization of precipitation data and data on damages caused by floods and flash floods. As a result of these analyses, areas with potential high risks of losses are detected, which enables undertaking appropriate steps and measures in order to minimize future losses.

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The subject of the paper are the obligations of the contracting parties, i.e. the contractor and client, arising from the conclusion of a service contract. A service contract is one of the oldest forms of contractual obligations, but it is also a contract constantly being changed and adapted to emerging life situations. A service contract is a consensual, nominate, onerous and bilaterally binding contract. Therefore, it is a contract in which the obligations of the contracting parties are determined. The contractor has the obligation to complete the work, and hand it over to the client, while the client is obliged to pay remuneration for the contractor`s work. Also, one of the distinguishing facts of a service contract is that it is often concluded with regard to the contractor's personality, so the fulfillment of the obligation is related to the personality of the contractor due to whose attributes the contract was concluded.

The problem of wealth distribution has gathered the attention of researchers for many years. In their work, the researchers are mainly engaged in the issue of distribution of wealth between individuals by analyzing empirical results at the country level, or specific lists that particular organization form like the Forbes list. Research are also increasingly directed toward the analysis of new models such as Boltzmann Gibbs or application of Gama function that describes this distribution. An interesting issue is the analysis of the distribution of wealth among the countries themselves. In these works, the value of GDP is used as the wealth that country has. In this article, the author dealt with the analysis of the distribution of GDP between countries at the global level. Analysis were performed using the Pareto distribution model of wealth distribution and GINI coefficient based on the data of the value of GDP for countries from IMF estimation. The analysis was conducted for the period from 1980 to the present, as well as analysis of data provided by IMF estimates for the value of GDP by 2022. The goal is to determine the degree of uneven distribution between the countries themselves in the world, analyzing the dynamics of change in the degree of unevenness and an analysis of the degree of unevenness in the future based on forecasts of the IMF on the values of countries GDP. The author also wanted to test if Pareto's 80/20 rule applies when it comes to the distribution of GDP at world level.     Keywords: GDP, distribution of wealth, IMF, Pareto distribution, GINI coefficient