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‘Digital Skills – Key to Career Advancement’ The job fair titled ‘Digital Skills – Key to Career Advancement’ was organized on July 11th as the culminating event of the one-stop-shop program aimed at enhancing youth employability. The event was organized by ICT Cortex – the cluster for information technology, innovation, design, education, and technological development in Montenegro, along with the Technical Research Laboratory TechLab. Over the past 6 months, these organizations have conducted courses on digital skills as part of the aforementioned program. The one-stop-shop program is part of the project “Inclusive Progress towards EU Integration – Empowering Civil Society to Effectively Contribute to Inclusive Development of Local Communities,” implemented in Montenegro by Forum MNE in collaboration with the Center for Youth Education, with financial support from the European Union and co-financing from the Ministry of Public Administration of Montenegro. Over the past 6 months, 45 young people from the central region of Montenegro participated in a digital skills course. This program included training in digital marketing, project management, and product management. Concurrently with the digital skills program, these young individuals also received training in soft skills and career counseling. The program aimed to educate and empower youth, facilitating their faster and easier integration into the labor market. The event brought together participants of the one-stop-shop training program and nearly 50 employers from civil, business, and IT sectors. It marked the culmination of the educational program and the organizers’ efforts to showcase the skills and knowledge acquired by young innovative individuals. Participants had the opportunity to present themselves to employers through one-on-one conversations, receive advice for further career development, gain insights into labor market needs, and potentially secure employment opportunities. The event was opened by Jelena Novićević, Executive Director of FORUM MNE, who emphasized the significance of the one-stop-shop program for both young people and employers. She highlighted that the organization has been working on improving and strengthening the program since piloting the model five years ago. This includes capacity-building through small grants programs, creating a support system for NEET youth in Montenegro. Jelena shared results from previous projects, which involved over 150 young people, 8 employability courses, and engaged over 250 stakeholders. She also announced an upcoming call for the 4th generation of program participants, which will focus on the northern region of Montenegro. The attendees were also greeted by Brigitte Kuhar, representative of the European Union Delegation to Montenegro, who emphasized the importance of the state’s investment in quality education that aligns with the needs of the labor market. She highlighted the readiness of employers to provide young people with appropriate opportunities for work and professional development. “It will require efforts from everyone to offer young people in Montenegro a better life and prospects, and to enable the economy to develop its potential with the help of qualified workforce. The European Union is here to support you in this,” concluded Kuhar. Following the opening remarks, a panel discussion titled “What Employers Expect from Future Employees” took place, featuring guest speakers who were representatives from members of the ICT Cortex cluster. Vesna Vojinović, HR Manager at Tungsten Automation, praised young individuals who recognize the need for additional and continuous skill development right from the start of their careers, alongside formal education. She highlighted that by taking this proactive approach, they demonstrate excellent initiative, which future employers will surely value. She encouraged them to take away the message from the panel to always nurture their authenticity and stay true to themselves during job interviews, being aware of their values, qualities, and areas for improvement. She expressed confidence that they will continue to successfully develop professionally in ways that fulfill their potential and make them satisfied individuals. Violeta Đorđević, HR Manager at Logate, emphasized the importance of feedback for young people at the beginning of their careers to facilitate rapid progress along their professional paths. She also underscored that employers have a responsibility to foster a business culture that includes providing feedback in an appropriate manner.    Aleksandra Bošković, CEO of Bild company, emphasized that the job market is constantly evolving, and that training in digital skills is crucial to prepare young people for entering the workforce. She highlighted the importance of stepping out of one’s comfort zone, continuous learning, tailoring resumes to meet employer needs, networking, and embracing opportunities for further development and training, as these actions drastically increase their chances of employment. After the panel discussion, there were one-on-one sessions with employers from civil, business, and IT sectors, where young individuals showcased their acquired knowledge and skills from the educational program and received advice for their further career development.

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Analysis Through Financial Statements: The ICT Potential for Montenegro’s Economic Development

The Chamber of Commerce of Montenegro and the ICT Cortex cluster organized a presentation of the Analysis of the Information and Communication Technology Sector through financial statements for the year 2023 on July 5th. The focus of the event was on the ICT market over the past year, with particular emphasis on key trends and assumptions for positioning the IT industry as one of the key growth sectors of the economy. The President of the Chamber of Commerce, Dr. Nina Drakić, stated that the ICT sector achieves great results year after year. “Our ICT sector is one of the most dynamic and fastest-growing branches of the economy and, according to all available indicators, shows continuous growth and achieves outstanding results. Data from financial statements confirm this trend and point to the enormous potential that the ICT sector has for the future development of our economy,” said Drakić. The Chamber is dedicated to supporting all initiatives that contribute to the development of ICT and the digital transformation of the Chamber, public institutions, and the economy, recognizing that this is key to sustainable growth and development. “Our companies can develop advanced technological solutions that are competitive in the global market, thereby increasing exports and reducing the need for importing similar solutions. This not only strengthens our economy but also enhances Montenegro’s image as a technologically advanced country. Digitalization is an indispensable factor in modern business, and we are determined to return Montenegro to the position of a leader in this process in the region,” concluded the President. “There is a lot of room for the state to stimulate the development of the ICT sector. This is a highly potent branch that can transition into a vertical sector of the economy,” assessed the Secretary of the Association Board of the Chamber of Commerce, Nada Rakočević. One of the challenges in analyzing statistical data is that a significant number of IT companies are registered under incorrect industry codes and, therefore, are not part of the official ICT statistics, highlighted Milena Aković, Marketing Director of the ICT Cortex cluster. “The ICT sector accounts for 11 percent of GDP and employs 2.75 percent of the workforce. It is the fastest-growing sector in the last 10 years, accounting for 25 percent of total exports and providing the quickest return on investment,” said Aković. To create an insight into potential results beyond the official statistics, certain companies were mapped and the analysis was supplemented. This ultimately indicates that the total revenue in the ICT sector exceeded 750 million euros in the previous year. As part of the event, a panel discussion was held on the topic “ICT – How to Transition from a Horizontal to a Vertical Sector.” “ICT is making impressive progress. It is sufficient to say that it contributes 25 percent to exports, while a decade ago that number was ten times smaller. Now is the right time to consider our next steps in its development,” said the moderator, Valentina Radulović, Director of the Science and Technology Park. Ratko Nikolić, Executive Director of BI Consulting, stated that the ICT sector has quadrupled in terms of the number of companies and revenues compared to 2019. “If we consider the entire ICT sector as a whole, comprising IT services, telecommunications, and IT equipment trade, there have been changes among the individual segments in the recent period. During the pandemic year of 2020, the IT services sector surpassed the IT equipment trade in terms of revenue and was the only one of these three segments that did not experience a decline due to the crisis. From this, we conclude that this is an industry capable of ‘smoothing out’ economic fluctuations during times of crisis,” said Nikolić. The President of the ICT Association of the Chamber of Commerce, Branimir Bukilić, stated that the IT sector could grow further if it created and exported its own products instead of “raw knowledge.” “The idea is to convert the existing knowledge in our IT companies, which predominantly work on exporting raw knowledge for designers and innovators from other countries, into innovative projects and product creation. Let’s find a way to motivate them to develop and sell their own products,” Bukilić emphasized. During the panel, the importance of the S3 strategy was highlighted, emphasizing the need to create infrastructure for innovations and to initiate a new cycle of entrepreneurial discovery.

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Meet out member company: Glovo

Imagine being able to reach anything in your city with just a few clicks—that’s the idea Glovo started with in 2015 in Barcelona. Since then, Glovo has become a global player, present in 25 markets across Europe, Asia, and Africa. In Montenegro, Glovo has been fulfilling its mission since 2021, covering eight cities with a team of 25 professionals from various fields. Their local team collaborates daily with numerous partners and colleagues from around the world. Glovo is more than an app—it’s an innovative platform that connects users, delivery drivers, and local businesses such as restaurants, supermarkets, pharmacies, florists, and much more. Their mission is simple yet powerful: to provide everyone with easy access to anything in the city. Glovo as an Employer: First-Hand Experiences Glovo is not just an innovative tech company; it’s also a great place to work, as confirmed by their employees. Here’s what team members have said about their experience at Glovo. “What I love most about working as an Operations Manager is the opportunity to apply my knowledge and years of experience in a truly dynamic environment. I am particularly inspired by the fact that the results of my activities are easily visible, and I can see on a daily basis how I contribute to the company’s success. Additionally, it is important to me that I am in daily contact with colleagues from different countries, with whom I exchange experiences and gain new knowledge.” Ana Stojanović Chief Operations Manager “In the short time I have been at Glovo, I quickly integrated into the team. I particularly enjoy working in an innovative environment where we can test new ideas and find ways to improve the business. Additionally, as a Commercial Manager, I appreciate that besides the time I spend working with partners, I also have time for my personal development.” Edouard HARDY Menadžer komercijale Creative and Inspiring Work Environment Working at Glovo means being part of a team that constantly seeks new ways to improve business operations. Employees have the opportunity to work in an environment that supports creativity and experimenting with new ideas, contributing to personal and professional development. International collaboration and relocation opportunities As a global company, Glovo enables its employees to collaborate with colleagues from different countries on a daily basis, which is extremely important for professional growth and development. The exchange of experiences and knowledge with colleagues from various parts of the world enriches the work experience and opens new perspectives. One of the great advantages of working at Glovo is the possibility of relocation and changing countries. Our employees have the opportunity to move to other countries, take on greater responsibilities, and expand their professional horizons. This not only provides exciting new challenges but also allows employees to gain international experience and grow within the company. Contribution to the Community In addition to their regular duties, Glovo employees like to invest extra time and effort in activities that contribute to the community. Through initiatives like Glovo Cares, where they take on the role of couriers and provide help to those in need, they collaborate with organizations, foundations, and associations from various fields on social actions, green projects, and other initiatives that have a positive impact. These activities not only contribute to a better society but also enable their employees to feel connected to the local community. Working on such projects strengthens team spirit and creates a sense of shared accomplishment. Glovo fosters a culture of fun, evident through their Office life and frequent parties and gatherings. They take particular pride in celebrating Culture Day twice a year. These events are more than just celebrations—they are crucial for building strong relationships among employees, promoting team cohesion, and creating a work environment where everyone feels welcome and valued. Such a culture of fun and unity contributes to better moods, increases productivity and job satisfaction, and helps reduce stress while improving the overall quality of life for their employees. Engaging in communal activities and informal gatherings allows employees to get to know each other better, exchange ideas, and form lasting bonds, which is crucial for building a successful company.

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Montenegrin Delegation’s Inspiring Study Visit to Stockholm

The Montenegrin delegation recently embarked on a study visit to Stockholm, Sweden. This vibrant city is renowned for its cutting-edge innovation and thriving tech ecosystem. Our journey was packed with insightful experiences, from exploring Stockholm’s technology-driven landscape to participating in the Future Talent Summit and visiting key innovation hubs like the Epicenter and ZWEBB Fintech. Stockholm: A Hub of Innovation and Technology Stockholm is often dubbed the Silicon Valley of Europe, thanks to its dynamic tech ecosystem that fosters innovation and entrepreneurship. The city’s commitment to technological advancement is evident in its numerous tech startups, incubators, and accelerators that dot the landscape. One of the most striking features of Stockholm’s tech scene is its collaborative environment. The city boasts a plethora of coworking spaces and innovation hubs where startups and established companies work side by side, sharing knowledge and resources. This spirit of collaboration is a significant driver of Stockholm’s success as a global tech hub. Moreover, Stockholm’s emphasis on sustainability and smart city initiatives sets it apart. The city is home to numerous projects focused on green technology and sustainable urban development. From electric public transportation to eco-friendly building practices, Stockholm is a model for integrating technology with sustainability. Future Talent Summit: Shaping the Leaders of Tomorrow A significant highlight of our visit was the two-day participation in the Future Talent Summit 2024. Held at a prestigious venue in Stockholm, the summit brought together thought leaders, educators, policymakers, and business executives from around the world. The event focused on the future of talent and the evolving landscape of work and education. During the summit, we attended various sessions and workshops that explored themes such as digital transformation in education, the future of work, and strategies for developing future-ready skills. Keynote speakers included industry experts and visionary leaders who shared their insights on how to navigate the rapidly changing job market. One of the most impactful sessions was on the integration of AI and machine learning in education. Speakers highlighted how these technologies can personalize learning experiences, making education more effective and accessible. We also learned about innovative talent development programs that companies and educational institutions are implementing to bridge the skills gap. The networking opportunities at the summit were invaluable. We connected with peers from different parts of the world, exchanging ideas and best practices. These interactions provided us with a broader perspective on global trends and challenges in talent development. Exploring the Epicenter: Where Innovation Meets Community Following the summit, we visited the Epicenter, Stockholm’s foremost innovation hub. The Epicenter is more than just a coworking space; it is a community of innovators, entrepreneurs, and tech enthusiasts. Located in the heart of the city, the Epicenter offers a vibrant environment designed to foster creativity and collaboration. The Epicenter is equipped with state-of-the-art facilities, including high-tech labs, event spaces, and meeting rooms. During our visit, we had the opportunity to tour the premises and interact with some of the resident startups. It was inspiring to see the diverse range of projects being developed, from cutting-edge AI applications to sustainable tech solutions. What sets the Epicenter apart is its emphasis on learning and growth. The hub regularly hosts workshops, seminars, and hackathons, providing members with continuous learning opportunities. This focus on education and skill development aligns perfectly with the themes discussed at the Future Talent Summit. Visiting ZWEBB Fintech: Pioneering Financial Technology Our study visit also included a stop at ZWEBB Fintech, a leading player in the financial technology sector. ZWEBB is known for its innovative solutions that cater to the evolving needs of the financial industry. During our visit, we received a comprehensive overview of their latest projects and technologies. ZWEBB’s approach to fintech is characterized by a strong emphasis on user experience and security. Their solutions are designed to be intuitive and accessible while ensuring the highest standards of data protection. We learned about their work in developing blockchain-based applications and AI-driven financial analytics, which are poised to revolutionize the industry. The visit to ZWEBB was particularly enlightening as it provided us with insights into the future of finance. We discussed the potential of fintech to enhance financial inclusion and create more efficient financial systems. The knowledge gained from this visit will undoubtedly inform our strategies back in Montenegro as we look to foster innovation in our own financial sector. Conclusion The Montenegrin delegation’s study visit to Stockholm was a remarkable journey into the heart of innovation and technology. From the stimulating sessions at the Future Talent Summit to the inspiring environments at the Epicenter and ZWEBB Fintech, every experience enriched our understanding of how to cultivate a thriving tech ecosystem. Stockholm’s example of integrating sustainability with innovation serves as a valuable model as we strive to advance Montenegro’s position in the global tech landscape. Our member companies that participated in this study visit were: Čikom, Payten, Pos4me and We Are AI. 

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Memorandum of Cooperation Signed Between the Association of Banks of Montenegro and the Fintech Committee of the ICT Cluster Cortex

The Fintech Committee of the ICT Cluster Cortex and the Association of Banks of Montenegro signed a Memorandum of Cooperation today. The Memorandum was signed with the aim of jointly participating and contributing to the development of the Fintech sector in Montenegro, implementing PSD2 and PSD3, organizing joint meetings and events, exchanging knowledge and experiences from the IT and banking domains, and jointly responding to and contributing in the fintech segment. One of the key goals of the ICT Cluster Cortex is the digital transformation and smart specialization of Montenegro. In this regard, the Association of Banks of Montenegro stands out as a key partner, aiming to jointly enhance business in the field of financial innovations in Montenegro. This Memorandum formalizes the unification of cooperation among key stakeholders, highlighting their readiness to collaborate on financial innovations that are crucial for positioning Montenegro as an attractive country for Fintech solutions. On behalf of the Association of Banks of Montenegro, the Memorandum was signed by the General Secretary, Bratislav Pejaković, who stated: “We are pleased to have signed the Memorandum of Cooperation with the ICT Cortex Cluster for Information Technologies, Innovation, Education, Design, and Technological Development, which brings together renowned ICT companies and communities in Montenegro. Banks and the Association of Banks in Montenegro already collaborate with members of this cluster on several projects, and through this agreement, we aim to make the cooperation even more effective and visible. It is of great importance to promote domestic expertise, entrepreneurial spirit, new business opportunities, and to jointly define and create solutions for specific needs, thereby demonstrating a synergistic and high-quality effect that contributes to the national digital transformation.” The President of the Fintech Committee of the ICT Cluster Cortex, Miloš Milošević, highlighted during the signing of the Memorandum: “Open banking is a key component of the modern financial sector, enabling better transparency, greater competitiveness, and more accessible services for users. Today, banks do not just offer financial services; they possess software solutions that are the foundation for further innovations, which means that banks cannot exist without IT, nor can IT exist without banks. Through the Fintech Committee of the Cortex Cluster, and together with the Association of Banks of Montenegro, we will continue to actively monitor regulatory changes and participate in the process of financial innovations, ensuring that our industry remains at the forefront of technological advancement, and positioning Montenegro on the Fintech radar of the region.” The synergistic cooperation between IT companies and banks is proof of the maturity of the Montenegrin market in overcoming business barriers, with the aim of contributing to the further digitalization of banking services through synergistic Fintech solutions in Montenegro.

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Seven days in Germany on the path of innovation

Germany, a country renowned for its technological brilliance and environmental consciousness, was the perfect destination for our study visit. From April 17 to 23, 2024, a small delegation from Montenegro embarked on a journey through the world of innovation, sustainability, and high-tech achievements. Each day brought new discoveries, inspiration, and the opportunity to establish valuable contacts. Here is the story of our journey, which was far more than just business—it was an exploration of the future. First Steps in Berlin Our arrival in Berlin was filled with excitement and anticipation. The first destination was the Adlershof Technology Park, something like a scientific Disneyland built on the site of a demolished aircraft factory from World War II. Frank, our guide, took us through corridors filled with high-tech equipment and laboratories, bringing each corner to life with historical and success stories of companies that originated there. Although Adlershof has always been a place of innovation, being there made me reflect on how genius and technology, if not in the service of humane ideas, can become the cause of much human suffering. At the same time, it occurred to me how many unused spaces in Podgorica could, with small investments, be transformed into creative centers that would awaken the research and entrepreneurial spirit in our community. From then until the end of my stay in Germany, I often sighed, struck by the thought that we lacked exactly such a space when my brother and I tried to make a “small helicopter” while we were still in elementary school. After Adlershof, we stepped into the world of cybersecurity with a visit to DCSO. Christin Wilkenman guided us through their offices, showing us the relaxation and game areas for team building. When she mentioned the annual subscription fee of 4000 euros for community membership, we realized how seriously Germany takes the protection of digital resources.   We ended the day at the EUREF Campus, a green epicenter for sustainable energy technologies. Ursula Hermann led us through this “city within a city,” where technology and sustainability merge in an inspiring way. Seeing the solar panels, wind turbines, and wastewater recycling systems, we left the campus filled with ideas and enthusiasm.   The Berlin whirlwind of innovation The second day began at the Embassy of Montenegro in Berlin. It was nice to feel at home as we discussed collaboration opportunities and market trends in Germany. As we were told, despite being in a recession and facing a massive influx of migrants, Germany has liberalized the conditions for acquiring citizenship and increased the quota for admitting foreigners, especially those with STEM skills. Now, instead of 10 years, it takes 7 years of residence to acquire citizenship, and this year alone, they will admit up to 50,000 people from our region. The main reasons for this decision, as Zdravko Jovović and Dijana Ralević, who were our hosts and support in organizing this study visit, told us, are the aging population and the shortage of labor. After the embassy, our journey took us to Hubraum and T-Labs, the research center of the Deutsche Telekom Group. Their story about investing in startups that use WiFi sensors was fascinating. In the future, telco operators will be able to identify the number of people in a room, the presence of animals, heartbeats, pulses, and much more through routers emitting WiFi signals. For instance, if you happen to choke on popcorn while watching a movie and lose consciousness, your router will send an alert to emergency services, signaling them to activate sirens and come to your aid. Similarly, if an elderly person is alone at home, the router can identify their fall anywhere in the space and send a notification to their caregiver. Of course, this technology raises numerous privacy concerns, such as where the reach of WiFi signals ends—what if a neighbor’s router can identify changes and movements in my apartment? In the face of such questions, even GDPR, the privacy guardian within the EU, remains silent. Hubraum is currently seeking creative ideas for the application of WiFi sensing technology, and anyone with an idea can present it to their team. If they like it, they will provide financial support, engineering expertise, and their infrastructure for testing the idea. At Urban Impact Agency, we were welcomed by Sophie Persieghl, who shared their story about projects that transform urban environments. Their platform, which maps and dissects the entire innovative ecosystem, showed us how dedicated they are to changing the world for the better. The “Sustainability Challenge” project combined innovation and sustainability in a way that inspired us all. The evening meeting with BVIZ was a true discovery. Dr. Christina Quensel and Denny Droßmann shared with us their vision for supporting technology centers across Germany. Their energy and passion for innovation left a strong impression on us. New contacts and adventures The third day brought a series of meetings with potential partners. At GTAI, we discussed the possibilities of establishing companies in the German market. Isabel da Silva Matos and Anja Quiring talked about the support available to foreign companies and the challenges of bureaucracy. Sarah Gholiha from the Startup Hub Initiative Germany showed us how easy it is to get support if you produce something rather than just offering services. Representatives from the ICT cluster Berlin Partner were also present, with whom we discussed sustainability models for clusters.   The visit to Ahoy coworking space shattered our perception that everyone in Germany is as punctual as a “Swiss watch.” With many delays and on-the-spot changes to the initial agreement, we proceeded with the planned meeting with Michael Gannon from Stun and Awe, a consultant for international business development with decades of experience. His vast experience and advice gave us insight into the challenges and advantages of starting a business in Germany. Relaxation and preparation for Hannover The fourth day was dedicated to exploring Berlin. Walking through the city, tasting local specialties, and preparing for the journey to Hannover were our ways of gathering

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Innovation, flexibility, trust – Tungsten Automation

Tungsten Automation is an international software product company specializing in innovative solutions for digital transformation and business process automation. Their platform leverages advanced technology to streamline complex workflows, reduce manual labor, and eliminate errors. These intelligent solutions help organizations lower costs, increase efficiency, and enhance user experience, enabling them to focus on the core aspects of their business. Tungsten Automation uses a combination of Robotic Process Automation (RPA), cognitive analytics, mobile technologies, and engagement to facilitate automation implementation and achieve exceptional results. Their solutions allow clients to reduce compliance risks, increase competitiveness, and achieve growth and profitability. Tungsten Automation delivers a quick return on investment to more than 25,000 clients across various industries, including financial services, insurance, government, healthcare, supply chains, business outsourcing, and more. Their software solutions and services are available through direct sales, service offerings, and a network of over 650 partners and integrators in more than 60 countries across the Americas, the EMEA region, and the Asia-Pacific region. Transforming the digital landscape – a key strategic goal Their innovative solutions empower companies worldwide. Through advanced technology and dedication, they aim to be the driving force behind their clients’ success. Their mission is to harness the power of technology to solve complex problems, optimize processes, and unlock new opportunities for growth. With a focus on customer satisfaction and constant innovation, they are committed to shaping the future of the IT industry and enabling their partners to succeed in the digital age. Digital transformation, automation, and education are the shared goals of Tungsten and Cortex Tungsten Automation sees itself as a key partner in the development and expansion of the ICT Cortex cluster, bringing its extensive experience and expertise in digital transformation and automation. As a member of the ICT Cortex cluster, Tungsten Automation not only contributes to the community with advanced technology and innovative solutions but also actively engages in the cluster’s educational initiatives. This includes organizing workshops and training sessions in the fields of quality assurance and programming, with the goal of fostering skill development and knowledge sharing among enthusiasts and professionals. This membership offers numerous opportunities for collaboration and idea exchange, allowing Tungsten Automation to contribute to talent and competency development within the cluster. Through its activities, the company helps build a strong ICT community in Montenegro and supports continuous growth and innovation in the region. As part of the ICT Cortex cluster, Tungsten Automation becomes part of a dynamic ecosystem that fosters creativity, collaboration, and professional development, while also contributing to the broader goal of strengthening the local IT industry. If you want to learn more about the range of products and services provided by Tungsten Automation, explore their diverse client base, successful case studies, and gain insight into their market position, visit their website. https://www.tungstenautomation.com/

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Finticipate x ICT Cortex – Fintech Conference

Don’t miss the opportunity to dive into the world of fintech at this year’s Finticipate Forum and discover how the future of financial technologies is shaping up! In collaboration with ICT Cortex and leading industry experts, the Finticipate Forum offers an in-depth look into the key trends on the brink of transforming the fintech sector. From comprehensive analyses of regulatory frameworks to innovations in modernizing the banking and payment sectors, to the impact of cryptocurrencies on capital markets – expect thorough discussions and knowledge exchange. Join us as we explore together how technological advancements and regulatory changes are shaping financial services and how we can leverage new opportunities emerging in this dynamic sector. The Finticipate Forum is the ideal platform for those who want to lead innovations, understand the complexity of the market, and anticipate future trends in fintech and banking. We can expect a rich program that includes FireSide Chats, panel discussions, and conversations with Fintech Associations. The panelists are leading figures from the world of fintech, promising exceptionally interesting discussions. This is an extraordinary opportunity to directly meet industry leaders, hear their opinions, and exchange experiences on the latest trends and challenges in the sector. Don’t miss the chance to be part of this dynamic exchange of knowledge and ideas that will further enrich your understanding of fintech. The conference will take place on May 31, 2024, at the Mona Plaza Hotel in Belgrade. The Rare Bird discount is valid until Tuesday, April 30th, and if you catch this bird, the registration fee is EUR 370 + VAT. Additionally, our corporate discounts are active for 3 or more participants from the same company, in which case the price is EUR 320 + VAT per ticket. You can also avail a discount using the code #CORTEXFinticipate2024. Registrations are possible via this link or through email: office@finticipate.com.

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The Regional Challenge Fund donated new computer equipment to the Vaso Aligrudić Secondary Electrotechnical School in Podgorica

A donation of 75 high-performance personal computers, purchased with a grant of 510,000 euros funded by the Regional Challenge Fund, was officially handed over to the Vaso Aligrudić Secondary Electrotechnical School in Podgorica for use in student training. The Regional Challenge Fund (RCF) enhances the sustainable competitiveness of enterprises in six Western Balkan economies on their path to the EU single market by funding vocational education and training (VET) institutions. It aims to address business needs for specific skills in collaboration with companies. The fund is financed by the governments of Germany and Switzerland, and investments are made in VET programs jointly designed by companies and VET providers from the region. Dr. Ralf Rojš, Deputy Head of Mission at the German Embassy in Podgorica, expressed satisfaction with the successful implementation of the project, indicating that the Embassy will continue to provide support, just as it has in the past. “I am proud that these projects are funded by the German Development Bank. Providing information technology resources is crucial for this school. It’s an initiative that requires time, but it opens many opportunities for the entire Montenegrin economy. Within this project, software and applications can be developed, and these are things that citizens use in their everyday lives,” Rojš noted. The Vaso Aligrudić Secondary Electrotechnical School has received grants from two different calls organized by the Regional Challenge Fund. The total value of their two projects is slightly over one million euros, focusing on training in web and mobile application development and implementing modern vocational training programs in solar energy and computer-related industries, such as 3D modeling. Today’s donation, valued at about 140,000 euros, includes computers, monitors, touch-sensitive interactive whiteboards, and projectors, with additional support for hosting services. The equipment will be used to train electrotechnicians in web and mobile application development, electronic communications, and installers of electronic communication infrastructure. Ersan Spahić, director of the Vaso Aligrudić Secondary Electrotechnical School, expressed gratitude for the valuable donation, noting that this school will now be one of the best-equipped in the country. “Imagine what an investment this is for Montenegro and what it means for our children to receive equipment that is currently among the most advanced in the world. I think this is the perfect moment to promote the school in the best possible way and for the students to understand that only knowledge and hard work can lead to a better economy and improved living conditions,” Spahić stated. In addition to purchasing equipment, the funds are also used for construction work and teaching materials. The school contributes with its own funds, bringing the total value of the entire investment to over 580,000 euros. Through the three calls opened so far, the Regional Challenge Fund has allocated 3.25 million euros to support a total of seven vocational education and training (VET) projects in Montenegro, with 40 partner enterprises involved. The funds are used to improve the infrastructure of five educational institutions and to train participants in cooperative education programs. Balša Ćulafić, project coordinator for RCF from the Chamber Investment Forum and coordinator for international cooperation at the Chamber of Commerce of Montenegro, congratulated the grant recipients and reminded everyone that the delivered equipment is a result of the implementation of a project from the first call of the Regional Challenge Fund (RCF). “Of the 508,000 euros that the Vaso Aligrudić School received, about 350,000 euros are allocated for equipment, 115,000 euros will be used for construction work, and around 10,000 euros will be spent on various types of materials needed for conducting the training sessions. The equipment we delivered today is valued at 140,000 euros, and I hope that we will soon be able to create conditions for delivering the rest of the equipment,” stated Ćulafić. We remind you that three new projects aimed at improving skills in Montenegro have received letters of intent for funding after the Fund recently selected the winning projects in the third cycle of its program. It is expected that a new call for grants from the RCF will be opened in the fall, inviting all vocational education and training institutions in Montenegro to apply with project proposals designed in partnership with companies. All information about the call, its requirements, and deadlines will be available on the project’s website and social media channels in due course.

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Five vocational education and training institutions received grants for workplace training designed in collaboration with companies from Montenegro

Three new projects aimed at improving skills in Montenegro received letters of intent for funding today at a ceremony organized by the Regional Challenge Fund in Podgorica. The fund, supported by Germany and Switzerland, recently announced the winning projects in the third cycle of its program, which provides grants for vocational education and training (VET) programs jointly designed by companies and VET providers from the Western Balkans region. The complete list of awardees is available here. The Regional Challenge Fund (RCF) aims to enhance the sustainable competitiveness of enterprises in the six Western Balkan economies on their path to the EU single market by funding vocational education and training (VET) institutions. The goal is to collaborate with companies to address business needs for specific skills. “Through the three calls opened so far, RCF has allocated 3.25 million euros to support a total of seven vocational education and training (VET) projects in Montenegro, with 40 partner enterprises. We remain committed to contributing to the country’s economic growth by enhancing the skills and knowledge of young people, aiming to create a job-ready workforce that local companies need,” said Balša Ćulafić, project coordinator for RCF from the Chamber Investment Forum and coordinator for international cooperation at the Chamber of Commerce of Montenegro. The third round of applications, organized last year, attracted 155 expressions of interest from across the region, with eight from Montenegro. The selection committee chose the three most successful projects in the country, with an allocated funding of close to 1.62 million euros. These funds will be used to improve the infrastructure of five educational institutions and to train participants in cooperative education programs. “From our perspective, the Regional Challenge Fund is a true model of success. It fosters direct collaboration between educational institutions and employers, ensuring that the curriculum offered by educational institutions precisely meets the requirements the job market demands from young people today. It contributes to opening attractive career prospects for young people in the Montenegrin job market and helps Montenegrin employers attract qualified workers. We are pleased that the German Federal Government, through the German Development Bank KfW, can provide the Regional Challenge Fund with a total of over 65 million euros for Montenegro and the Western Balkans, from which it can offer substantial seed funding for successful partnerships between educational institutions and businesses for their collaboration,” stated H.E. Peter Felten, German Ambassador to Montenegro. Today, 75 high-performance personal computers worth 140,000 euros, purchased through the Regional Challenge Fund, will be officially handed over to the Vaso Aligrudić Secondary Electrotechnical School in Podgorica for use in student training. The Minister of Education, Science, and Innovation, Prof. Dr. Anđela Jakšić-Stojanović, congratulated the grant recipients and expressed satisfaction that the awarded projects involve four vocational secondary schools from Montenegro. “Investing in education means investing in all positive societal processes, especially in the realm of vocational secondary education. Its improvement, through the development of professional competencies in collaboration with the private sector, directly impacts the alignment of supply and demand in the job market. Therefore, I consider the investment by the Regional Challenge Fund to be of significant importance for the education system, as it aligns with the reform goals of the Ministry of Education, Science, and Innovation, one of which is certainly the further development of vocational secondary education,” stated Jakšić-Stojanović. Dr. Nina Drakić, President of the Chamber of Commerce of Montenegro, recalled that the Regional Challenge Fund (RCF) is a financial mechanism designed to enhance employability in the Western Balkans and highlighted the significance of the project for both our country and the region. “Why is this project of great importance for Montenegro and neighboring countries? Because both our country and neighboring countries demonstrate a need to strengthen the knowledge of employees in the economy. Because we increasingly realize that this is the only path to higher quality human resources, and because there is no economic competitiveness without practical education integrated into economic flows. I believe that Montenegro’s economy, and the economies of the neighboring countries, will progress even more through such projects, thereby moving closer to full EU membership,” stated Drakić. The director of the Vocational Education Center, Aleksandra Lalević, also attended the ceremony. “The Vocational Education Center strives for excellence and efficiency in vocational education, above all, creating an environment conducive to the development of innovative vocational education that enables comprehensive acquisition of competitive skills, competencies, and qualifications for employability, lifelong learning, inclusivity, personal development, and active citizenship of individuals”,  concluded Lalević.

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The third year anniversary of the Montenegrin Information Technology Cluster was celebrated: ICT companies collectively continue to strengthen the IT industry in Montenegro.

The Cluster for Information Technology, Innovation, Education, Design, and Technological Development – ICTCortex, celebrated its third anniversary. The ceremony was attended by friends, partners, and associates, as well as high officials, including the President of Montenegro, Mr. Jakov Milatović, representatives from the Ministry of Education, Science and Innovation, and the Ministry of Economic Development and the Ministry of Public Administration. Cluster Cortex  today counts 40 members, including renowned IT companies that are dedicated to advancing the IT sector, digital transformation, and smart specialization of Montenegro. ICT Cortex was founded with the aim of leading the digital transformation of the economy and public administration by a united ICT community. The opening speeches by cluster representatives and state institution officials provided an opportunity to summarize three years of operation and the achievements of the Cluster. “The essence of our work and one of the key objectives is digital transformation. We are aware that we all need to work together on this across three areas, I would say: first, the digital transformation of citizens. We simply need to work towards preparing citizens to use and consume various electronic services, then of the economy, and of course, the digital transformation of public administration. Cortex is very dedicated to this, and it holds a very important place in our goals and work program. As the ICT sector, we can significantly contribute to accelerating digital transformation because it will enhance the efficiency and effectiveness of the entire economy, thereby improving standards for citizens and society as a whole.” Branimir Bukulić, the President of the ICT Cortex Cluster Assembly. The work of the ICT Cortex cluster has been significantly influenced by the selfless support of the Ministry of Education, Science and Innovation, which, by promoting the development of smart specialization within the priority “Information and Communication Technologies,” has supported its operational functioning over the past three years, contributed to the strengthening of the cluster team, and stimulated program activities, as well as internationalization initiatives through the realization of several study visits. The State Secretary, Ms. Marijeta Barjaktarović Lanzardi – Ministry of Education, Science and Innovation, emphasized that ICT Cortex is a result of policy measures implemented under the Strategy for Smart Specialization of Montenegro, which is focused on enhancing the country’s competitive advantages through innovation, with a special focus on the ICT sector. The main goal was to create an adequate framework for the functioning of the innovation ecosystem, which today includes strong cooperation between the public administration, the business sector, the academic sector, and the NGO sector. She pointed out that in the period 2022-2023, more than 7 million euros were invested in the ICT sector through innovation policy measures, which speaks volumes about the state’s commitment to development in this area. “Our activities are focused on creating a sustainable innovation ecosystem, in which ICT Cortex, as an innovation infrastructure, is now very well positioned and has become a partner to almost all state institutions in their efforts to encourage, not only innovations, but also, as we have heard, digital transformation and the improvement of the educational system. Therefore, we believe that we will continue to work together in this direction in the coming period.” Marijeta Barjaktarović Lanzardi, the State Secretary of the Ministry of Education, Science, and Innovation The transformation of information technologies into a vertical economic sector has been set as one of the key goals of the cluster. The path to achieving this goal would not have been possible without the support of the Ministry of Economic Development. Dr. Goran Jovetić, the State Secretary of the Ministry of Economic Development, emphasized that the state has demonstrated through its support for the ICT cluster how things should be done, how successful endeavors should be supported, and, conversely, how successful initiatives can reciprocate this support in the right manner. “I will just remind you that our colleagues from ICT Cortex have taught us many things. Above all, they have taught us something we often hear in theory but struggle to see in practice: that healthy competition is a stimulus. You have 40 companies in the same industry functioning as one family.” Dr. Goran Jovetić, the State Secretary of the Ministry of Economic Development Executive Director of the cluster, Tarik Zaimović, emphasized that synergy is the invisible capital with which the ICT community can work wonders. He reflected on the cluster’s work over the past three years: “We have equipped four high schools worth €1,200,000. Personally, I believe these are among the most beautiful projects we have accomplished. In addition, we have donated over €100,000, which went to nearly 50 various initiatives. We have sent almost 100 company representatives to over 10 countries where we have achieved significant results. Some of our companies have opened branches in the Emirates, and serious collaborations have been established with companies in the region where companies already cooperate with each other.” Executive Director of the ICT Cortex Cluster, Tarik Zaimović Key collaboration with the government plays a crucial role in achieving the goals of both the cluster and its member companies. Over the past three years of existence, ICT Cortex has indeed received significant support from the government of Montenegro. President of Montenegro, Mr. Jakov Milatović, congratulated the cluster on its 3rd anniversary and emphasized: “It is my great pleasure to greet you and, at the outset, congratulate you on the 3rd anniversary you are celebrating today. As the President of the country, but also as a passionate advocate for innovation and technological progress, I am proud of the achievements made in the previous period, as well as the diligence of this successful community. I am additionally proud of the fact that I had the opportunity to, as the Minister of Economic Development, follow your work from the very beginning and provide support on the path to becoming a significant economic actor, as you are now in our society. The ICT sector represents one of the key pillars of modern society, and its competitiveness and innovation have a direct

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EU, EBRD, and ICT Cortex: In a Joint Mission to Strengthen the Capacity of the ICT Sector in Montenegro

EU, EBRD, and ICT Cortex: In a joint mission towards enhancing the capacities of the ICT sector in Montenegro. Successfully completed the Adizes Leadership Program designed for top managers from renowned IT companies within the Montenegro ICT Cortex cluster, with the support of the European Union and the European Bank for Reconstruction and Development (EBRD), in collaboration with the Ministry of Economic Development. The program lasted for 7 months, during which participants had the opportunity to learn about company transformation and management skills with a focus on experiential learning and knowledge exchange. Topics covered in the program included decision-making, change management, business life cycles, finances for top managers, personal effectiveness, business negotiation, and people management, along with practical tools and recommendations for application.     The culmination of the event took place on January 24, 2024, at the Ramada Hotel, where certificates were awarded to the participants. The event was opened by the State Secretary of the Ministry of Economic Development, Mr. Goran Jovetić, who emphasized that the digitally transformed Montenegro is a common interest for all of us. He highlighted the need for an accelerated process, heavily relying on the domestic ICT sector, which should act as its main driver. “The focus of the Government of Montenegro and the Ministry of Economic Development is to create economic support programs aimed at initiating and further strengthening economic activities while enhancing the competitiveness of domestic products and services. In this context, we have already initiated a broad round of public consultations with all stakeholders, from the business sector to the professional and academic community, to find optimal solutions for adequate support to the economy. The emphasis will undoubtedly be on strengthening manufacturing activities and transforming the economy towards digital and green business. The actions and activities of the ICT cluster Cortex are one of the best examples of collaborative efforts between the business sector and strong cooperation with institutions at the national and local levels. We believe that, through joint efforts in all fields, primarily through a strategic approach and government policies, and through interdepartmental cooperation, we will contribute to the process of digital transformation of the Montenegrin economy and the creation of a digital society.” – State Secretary of the Ministry of Economic Development, Goran Jovetić The project was implemented within a program financed by the European Union with a budget of 1.4 million euros. The official guests and program participants were addressed by the EU Ambassador to Montenegro, Her Excellency Oana Kristina Popa. She emphasized that the European Union is unwavering in its support for the economic development of Montenegro, as reflected in the priorities outlined in the Growth Agenda for the Western Balkans. This initiative opens the doors for Montenegro to access funds totaling over 400 million euros in direct support, contingent upon the adoption of key reforms, including those in the development of the private sector and the business environment. EU Ambassador in Montenegro, Oana Kristina Popa The entire program is supported by the European Bank for Reconstruction and Development (EBRD), and Mr. Remon Zakaria, the Head of the EBRD Office for Montenegro, emphasized the following: Small and medium-sized enterprises (SMEs) are a crucial sector for the development of the Montenegrin economy. We are pleased to support their development through advisory services, backed by financing from the EU and in close collaboration with the Ministry of Economic Development. – Head of the EBRD Office in Montenegro, Remon Zakaria The capacity strengthening and skills development had the opportunity to enhance the capabilities of 36 participants in the program, who hold top management or leadership positions in renowned ICT companies within the Cortex cluster: Alicorn, AI, Bild Studio, Coinis, Codeus, Čikom, Data Design, Euro-Unit Montenegro, Fleka, Logate, Oykos Development, and Telemont. On behalf of the hosts and representatives of the ICT cluster Cortex, the President of the Assembly of the ICT cluster Cortex, Branimir Bukilić, addressed the attendees and delivered the concluding remarks: “As an ICT cluster, we have implemented numerous activities focused on the strategic goals set since our establishment, in line with the agenda of the Ministry of Science and Technological Development, which has provided us with significant support. We believe that the domestic IT industry, represented by Cortex, can and should be a government ally when it comes to the digital transformation of society and other crucial projects”. -President of the Assembly of the ICT Cortex Cluster, Branimir Bukilić After the introductory address, attendees had the opportunity to participate in a panel discussion summarizing the entire program and emphasizing the significance of conducting similar education initiatives to strengthen capacities at all levels of decision-making. Certificates were awarded by Matija Dautović on behalf of the EBRD office in Montenegro, followed by a ceremonial cocktail.

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Science and technology park Montenegro

The Science and Technology Park Montenegro was established with the aim of providing support and enhancing the potential for economic growth and development in Montenegro, through the establishment and growth of companies/teams in high-tech industries. Additionally, a specific aspect of the operation of STP Montenegro is support for the development and commercialization of innovative ideas and projects.   Services and Products Support for entrepreneurial ventures through incubation processes, financing, training, mentorship, and connection to ecosystems of technological innovations, both regional and global. Acceleration of product innovations in the private sector through support programs and grants that encourage the development of new products and innovations. Promotion of collaboration with the business and academic community, as well as decision-makers within Montenegro. Creation of a stimulating environment that fosters innovation and collaboration by attracting and providing support to residents focused on the development of products and services based on technology and the commercialization of scientific research. Projects BoostMeUp The pre-acceleration program BoostMeUp is a national platform for developing an innovative ecosystem in Montenegro through the development of financing models and access to capital, creating and disseminating knowledge, increasing talent availability, fostering entrepreneurial culture, and facilitating market access. More B-Blue The B-Blue project addresses the challenges and bottlenecks of exploiting marine bio-resources, aiming to identify, engage, and bring together the Blue Bioeconomy Technology (BBt) innovation community of the Mediterranean. Its goal is to strengthen relationships among its organizations and promote the growth of the blue economy. B-Blue focuses on implementing a transnational coordination mechanism for the BBt community through an interconnected digital platform for the BBt community and the Mediterranean network of geographically linked actors. More DigITrening (Increasing Youth Digital Literacy to Mitigate COVID-19 Effects) The project included programming IT training, as well as training in 3D modeling, for children aged 13 to 16. Participants underwent two four-month training sessions in these areas. As a result of the successfully conducted training, ten interactive games themed around COVID-19 were created to creatively educate younger generations about the issues caused by the pandemic. Additionally, the outcome of the 3D training sessions includes ten created 3D-printed models of protective equipment. More Contact https://www.ntpark.me office@ntpark.me Bulevar Mihaila Lalića b.b. 81 000 Podgorica, Crna Gora +38220482454

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Tehnopolis

Innovation Entrepreneurship Center Technopolis is the most significant center for the development of startup companies and entrepreneurship in Montenegro. As a key player in the creation and transformation of the innovation ecosystem, Technopolis provides a range of infrastructure and support measures that enable the establishment of new companies and the development of business based on new, innovative ideas and technologies. Through its activities and collaboration with more than 150 partners, Technopolis supports the improvement of the innovation system and infrastructure for the overall sustainable economic development of Montenegro.   Services and Products Business Incubator – provides support to development teams, startups, and already registered companies whose business is based on scientific research, development, and implementation of new technologies, or activities with high growth potential. Biotechnology Laboratory – BioLab Technopolis – supports agricultural producers and encourages the development of agriculture, both through providing its own services and through linking the academic and business sectors to promote knowledge transfer and innovation, leading to the creation of new products and the improvement of existing ones. Industrial Design Laboratory – TechLab Technopolis – made available to all innovative SMEs, innovators, startups, as well as the academic community within the IPC Technopolis support system. The goal is to introduce new technologies and implement innovative solutions in the development of new products and improvements to existing ones. Data Center Technopolis – supports the development of startup companies in Montenegro and contributes to the overall digitization of micro, small, and medium-sized enterprises. In addition to support, the Data Center also provides commercial services. Program activities involve creating content adapted and aligned with state policies, aiming to create an entrepreneurial and innovative ecosystem and strengthen it through various forms of financial and non-financial support. The goal of program activities is also the substantive and logistical organization of external events contributing to the development of the business community in Nikšić and Montenegro by providing opportunities for events aimed at improving business. Projects Project “Improvement of infrastructure related to research and innovation that can be used to support the development of small and medium-sized enterprises” Equipping the infrastructure capacities of IPC Technopolis: Biotechnological Laboratory – BioLab Technopolis, Industrial Design Laboratory – TechLab Technopolis, and Data Center with state-of-the-art equipment in their areas of operation. Project 2CODE – Cooperation for Development of Cross-Border Business Environment Enhanced The project aims to contribute to strengthening the infrastructure and capacities of organizations to improve support services for the development of the business environment in the cross-border area of Croatia – Bosnia and Herzegovina – Montenegro. Project CROWN – “Crown of Entrepreneurial Ideas for Success” The project aims to contribute to strengthening the infrastructure and capacities of organizations to improve support services for the development of the business environment in the cross-border area of Croatia – Bosnia and Herzegovina – Montenegro. Contact www.tehnopolis.me office@tehnopolis.me Radoja Dakića bb, 81400, Nikšić, Crna Gora +38240280431

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