Second Day of the IT SPOT 2025 Conference: Enhancing Enterprises with AI Agents and Skepticism in the IT Industry

The program for the second day of the IT SPOT conference, organized by the non-governmental organization ICT Cortex in Podgorica, began with a presentation titled “Enhancing Enterprises with AI Agents,” delivered by João Souza, Data Scientist at Amazon Web Services. “The concept of autonomous systems is not new. Aristotle is credited with the foundation of this concept. At that time, they envisioned machines that could be managed by intelligence and anticipation. We have progressed significantly since then. Between 2020 and 2025, we experienced a great rise of AI. What has changed is that technology has enabled mathematical discoveries from the past to reach new heights and contribute to sophisticated data integration. We have entered a new era, and from 2026 onwards, we will reach what decision-makers often call economic AI. This refers to AI systems that will achieve a new level of autonomy, will negotiate, manage risk, and will hire and fire people to achieve complex goals. This is not just technological evolution; it will be a social revolution that will increase autonomy, efficiency, and impact on businesses to an incredible level,” Souza pointed out. He notes that the number of AI agents is rapidly increasing day by day. “Currently, we have approximately billions of agents employed in production worldwide, and that number is only growing. We have long passed the level of a few thousand; we have long passed the level of a few million. All of this brings a lot of opportunities, but also many risks. AI agents mostly cooperate with people in the service sector, in enterprises and organizations, and in industrial environments… They do not just perform simple, one-off tasks; instead, they orchestrate sophisticated work environments, multi-step processes, understand complex environmental contexts, make decisions, and take actions. That is the future we are heading toward,” said Souza. As part of the panel on the topic of industrial transformation driven by artificial intelligence, Nenad Božić, co-founder and CEO of SmartCat, said that there is strong resistance to artificial intelligence even within the IT industry. “AI is a new thing that not everyone fully understands; there are skeptics who believe the old way is better. I am a skeptic myself. It is clear that AI is changing the way we work, and I think this is a good change for those who want to improve their skills. Skilled and young developers adapt more easily. Progress has been made in productivity time,” Božić pointed out. The CEO of the company Codelab, Aleksandar Dlabač, pointed out that he is also a skeptic when it comes to AI. “There are big challenges with artificial intelligence in various fields. AI is a big bubble which, if it bursts, will bring tectonic changes. Most AI companies are not even making money. I also see a major problem with data learning. A problem could arise when we replace data with AI-generated data,” Dlabač stated. Jovan Kovačević, CTO of the company “Coinis,” agreed that AI brings both positive and negative changes. “Using AI is a skill in itself that we need to understand and learn. The best way to learn is through practice. We need to be open to these new tools and not expect them to work on the first try. You should find the tool that is best for your job. This is a learning process, and sometimes it takes us more time than the standard process without AI, but as time goes by, we become faster. I expect that in the future we will have even more benefits from artificial intelligence,” Kovačević pointed out.

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How to Coexist with Artificial Intelligence? AI in Focus at the Third Edition of the IT SPOT Conference

The two-day IT SPOT 2025 conference, organized by the non-governmental organization ICT Cortex in Podgorica, offered attendees a combination of inspiring lectures, interactive workshops, and networking opportunities during its first day. In the second part of today’s program, cybersecurity expert and CISO, Jelena Zelenović Matone, spoke about the complex role of artificial intelligence in the cybersecurity sector. “Artificial intelligence can magnify both the good and the bad. AI depends on what we choose to do with it. We decide what we will do with AI. On the good side, we see that artificial intelligence helps us detect anomalies much faster than before; we can also see and predict cyberattacks. Automated responses are also very important. Previously, it would take analysts several hours or even several days to detect cyberattacks. Now, with artificial intelligence, we have a response that takes seconds. We are working at the speed of machines. The negative sides are that we have deepfake attacks where it is very difficult to discern what is real and what is not. The problem is that we, as experts, do not have enough tools to detect what is real and what is not. We also see that AI is mutating and fighting against our defense. The most important thing is how we manage AI and what we do with it,” stated Zelenović Matone. As part of the panel “Who is Building Cybersecurity in the Region,” Dr. Andreja Mihailović, President of Women4Cyber Montenegro, pointed out that the way we think about artificial intelligence needs to change. “The most important knowledge we can have today is not how to compete with artificial intelligence, but to learn how to coexist with it. Cybersecurity once closed digital doors, but today it understands both human and artificial ways of thinking. The European Union’s Artificial Intelligence Act clearly states that responsibility, human oversight, and transparency are not philosophical concepts, but are obligations in practice,” Mihailović stated. Miloš Martinović, Head of the Business Continuity and Information Security Department at the Central Bank of Montenegro, presented plans for the implementation of the Digital Operational Resilience Act (DORA) Regulation. “We have created the first draft of the Law on Digital and Operational Resilience for credit institutions, but the Financial Stability Council requested amendments and asked for the inclusion of insurance companies and investment funds. Therefore, we will have a law on digital and operational resilience for the entire financial sector. Implementation will be challenging because banks have a cumbersome information security structure, especially those banks that are part of large foreign groups,” Martinović stated. Gilles Schwoerer, Program Director and Head of the Western Balkans Cyber Capacity Centre (WB3C), stated that change in the cybersecurity sector must start with universities. “We started with long-term training programs leading to a degree. In February, we are starting a Bachelor’s program in Digital Forensics. We need people not only with a degree but also those who will be ready to provide answers to the problems faced by administrations, ministries, or companies in the cybersecurity sector. We need practice/exercises in that sector,” said Schwoerer. Duško Karaklajić, Security and Compliance expert from Amazon Web Services (AWS), drew attention to the localization of cybersecurity issues. “European regulation is very fragmented, which means that even though we have common regulations such as DORA, there are always local specificities. It is important to know how to establish local regulatory standards to achieve resilience. These activities can range from workshops for lawmakers to educational conversations. Partnership with the academic community is also important, and it is necessary to know how to apply theoretical knowledge in real-life scenarios,” stated Karaklajić. The final panel today was dedicated to the new generation of AI. “Today, we are not just using chatbots to answer questions within set constraints; we are creating virtual agents that have autonomy and the ability to reason and learn from experience. The goal is for them to be able to predict and react, but also to learn in order to create new iterations of the same actions,” explained Vlada Sebastiao, Solutions Engineer at Cloudflare. Boris Bilecki, Chief Solutions Architect at Backbase, explained how the development of the new generation of AI came about. “First we had chatbots, the next step was copilots and assistants—these are entities that had tools and could execute activities that you approved. And now we have agents—entities that have their own brains and have access to tools, capable of remembering conversations, making decisions, and having interaction with other agents,” explained Bilecki. João Souza, Data Scientist at Amazon Web Services (AWS), indicated that today they are giving systems enough autonomy to make decisions independently. “Now we have systems that interact with the world through API calls and web navigation, which is all connected to the shift towards AI autonomy. The explanation for why all of this is happening now is because the infrastructure is being improved, and we have models like GPT-4,” Souza stated. Radosław Sznajder, Head of Support at Voluum / Codewise, stated that they use artificial intelligence to answer the simplest, repetitive questions daily, in order to ensure employees have more time to deal with more complex issues, clients, and personal development. “The most important thing when introducing any new technology is education. People should be allowed to play with AI bots. The more interaction they have with the AI model, the better they can get to know it and not be afraid. The worst-case scenario is being uninformed. The better they understand artificial intelligence, the more they will know that AI is there for them, not to replace them. The goal is not for them to lose their jobs, but to make them more productive. AI should do things for employees, not instead of them,” Sznajder concluded. The interesting panels and presentations within the third edition of the IT SPOT conference will continue tomorrow at the Montenegro Music Centre starting at 10 AM.

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The third edition of Montenegro’s leading technology conference – IT SPOT 2025 – is currently underway

Vujović: A digitalized Montenegro – a country that will use new technologies for the benefit of its citizens. The third edition of Montenegro’s leading technology conference — IT SPOT 2025 — was officially opened today in Podgorica. The non-governmental organization ICT Cortex is hosting this event, which has become a must-attend gathering for the tech and business community of the country and the region. Following the success of the previous edition, today’s and tomorrow’s program, on October 31, at the Music Centre of Montenegro, offers a blend of inspiring talks, interactive workshops, and networking opportunities, providing participants with an experience to remember. IT SPOT 2025 was opened by Branimir Bukilić, Chairman of the Board of the ICT Cortex cluster, who highlighted the significance of this prestigious conference. “This is a place where we can exchange experiences, where we talk about technology and shaping our digital space in Montenegro and the region. I believe IT SPOT should be a place where new communities and new ideas are born. My heart is full to see such interest in these topics in our small country, as the IT sector is one of the leading economic sectors in Montenegro. We are committed to continuous improvement. We want to create better conditions for IT companies to achieve goals that will enable digital and AI transformation for all of us,” Bukilić stated. This year’s edition of the IT SPOT conference is being held with the support of the Chamber of Commerce of Montenegro, the Ministry of Culture and Media, the Central Bank of Montenegro, and the Innovation Fund. The Chamber of Commerce of Montenegro (CCM) also expressed its pleasure in participating as a partner in organizing IT SPOT this year. Nina Drakić, President of CCM, particularly emphasized the importance of discussions on artificial intelligence. “This year’s focus of the conference on artificial intelligence comes at a time when the world is rapidly changing the way we do business, communicate, and make decisions. AI is no longer a topic of the future, but a reality of the present. Today, it affects almost every sector of the economy, from energy and tourism to finance and education. The Chamber of Commerce of Montenegro recognizes that this change presents an opportunity for our economy. Through projects such as eKomora and MontEDIH, we are creating an environment in which digital solutions become accessible and applicable, and collaboration between the IT sector and other industries gains a new quality. Montenegro has the knowledge, energy, and potential to seize this moment,” Drakić stated. She emphasized that the Chamber of Commerce will continue to serve as a bridge between knowledge and business, between vision and implementation. “We believe that success in the digital age does not depend on the size of the economy, but on the willingness to collaborate, openness, and collective action. And that is why the message we send from this gathering reminds us of what connects us all: the strength is within all of us,” the President of CCM concluded. The numerous guests at the IT SPOT conference were also welcomed by the Minister of Culture and Media, Dr. Tamara Vujović. “IT SPOT 2025 symbolizes a fundamental progress in how we perceive and shape our society and economy. By focusing on topics such as artificial intelligence, fintech solutions, and cybersecurity, this conference provides an opportunity to connect with global trends and innovations. I encourage all participants to continue building a digitalized Montenegro — a country that will use new technologies for the benefit of its citizens, thereby strengthening the economy and preserving its cultural heritage,” Vujović emphasized. She highlighted the significant impact of digital transformation on Montenegro’s economy. “According to current data, Montenegro’s digital sector is growing at a rate of eight percent annually and contributes around five percent to the GDP. Thanks to the intensive development of 5G infrastructure, the digitalization of public services, and support for innovative entrepreneurial ideas, more than 1,200 new jobs are created each year, positioning Montenegro as an important regional player in digital technology,” the Minister emphasized. After the opening remarks, an engaging presentation on the impact of artificial intelligence on cybersecurity was delivered by Vlada Sebastiao, Solutions Engineer at Cloudflare. “Since 2022, AI and tools like ChatGPT have had a significant impact, enabling ordinary users to harness artificial intelligence. This has led to the democratization of AI, making it an important part of our daily lives. We are now concerned about the automation of certain processes and granting AI the authority to act independently. We use very powerful tools that require an equally intelligent security system,” Sebastiao emphasized, presenting the cybersecurity tools offered by Cloudflare. As part of the panel on Responsible AI and Regulation, Dr. Irina Mirkina, Chief AI Scientist at Fugro and former Head of AI at UNICEF, highlighted that over the past year there has been a growing number of examples of AI being integrated into business processes and various aspects of daily life. “Some of these examples are impressive and well-received, but they also come with security risks, exposure, data leaks, misinformation, and bias — issues we ideally want to avoid. The more we see AI being adopted, the greater these challenges become. What is changing is that both the public and businesses are shifting the way they think about AI. Today, there is much greater awareness of what AI truly means. It is necessary to demonstrate to businesses that AI genuinely contributes to operations, clients, and customers,” Mirkina explained. Dr. Balázs Hohmann, a docent at the University of Pécs, noted that new legal regulations are needed for the development of AI. “If artificial intelligence comes into contact with EU citizens, websites, and markets, AI data must be regulated by law. The Artificial Intelligence Act is paramount. It is a difficult task for developers to adapt to all the obligations. I think if you want to meet these obligations, you have to follow European, but also national AI legislation, which is very difficult. In the artificial intelligence sector, we

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Amazon, TikTok, and Cloudflare are coming to Montenegro – Podgorica becomes the center of innovation this October

This October, Podgorica will become the gathering place for leaders of the global tech scene. The non-governmental organization ICT Cortex is organizing the third edition of the IT SPOT conference, which will take place on October 30 and 31, 2025, at the Music Centre of Montenegro. The event is set to become the most important regional gathering for digital innovation and technology. This year’s IT SPOT brings new perspectives, global names, and trends that are shaping the future of business and innovation. The stage will host representatives from companies such as AWS (Amazon Web Services), TikTok, X (formerly Twitter), Cloudflare, Infobip, SmartCat, BUG, and many others whose products and solutions are transforming the way we live and work every day. Through inspiring talks, masterclass sessions, and interactive workshops, participants will have the opportunity to learn how the latest technologies in AI, fintech, cybersecurity, and digital transformation can enhance business performance and accelerate innovation. IT SPOT is much more than a conference — it’s a place where ideas are born, connections are made, and visions turn into reality. From the dynamic EXPO zone, where companies and startups showcase their innovations, to informal meetups that spark new partnerships, the atmosphere at IT SPOT is known for its energy, creativity, and spirit of collaboration. At a time when digital transformation is erasing boundaries, IT SPOT 2025 stands as a key meeting point for everyone who wants to be part of the global technological future. The conference is supported by the Chamber of Commerce of Montenegro, the Central Bank of Montenegro, the Innovation Fund, the Ministry of Culture and Sports, as well as numerous partners and friends of the ICT sector. Find more information about the IT SPOT conference on the official website and social media channels.

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Podgorica Hosts Regional Video Game Development Hackathon

Within the CBC GAIN project, co-financed by the European Union through the Interreg VI-A IPA Programme Croatia – Bosnia and Herzegovina – Montenegro 2021–2027, and co-financed by the Ministry of Regional Investment Development and Cooperation with Non-Governmental Organizations, the NGO ICT Cortex organized the Regional GameDev Hackathon 2025 at the Montenegro Science and Technology Park from October 10 to 12. The event brought together 16 teams from the region, who spent 48 hours developing their video games, showcasing the strength and creativity of the game development community in this part of Europe. The hackathon provided participants with the opportunity to present innovative ideas, test their skills, and build professional networks. Winners of this year’s hackathon: 1st place: Intera TP (team from Bosnia and Herzegovina) 2nd place: Simora (team from Croatia) 3rd place: Gamebreakeri (team from Montenegro) “The Regional GameDev Hackathon confirms that Montenegro and the region have enormous potential in the field of video game development. Such intensive events bring together knowledge, technology, and creativity, providing young developers with the opportunity to test their ideas and build professional networks,” emphasized the NGO ICT Cortex. All teams received special recognition for their creativity and dedication, while mentors and experts contributed to the quality of the competition with their experience. The hackathon concluded with positive energy and an agreement to continue developing and connecting the community through future initiatives. The first game development center, GameDevHub, will soon open in Podgorica, providing the community with a space to continue working on ideas developed during the hackathon as well as new projects in a professional environment with proper equipment. The center will also host future meet-ups, trainings, and lectures on relevant topics.

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High School Competition within the Cortex Academy Shows Growing Interest in the IT Sector

The President of the Board of the non-governmental organization ICT Cortex, Baranimir Bukilić, emphasized that Cortex has been organizing the Cortex Academy for the fourth consecutive year — a nine-month educational program designed for high school students, university students, as well as adults who wish to acquire knowledge in the field of information technology. “The member companies of CORTEX organize themselves to provide free mentoring support. Today, we attended the final competition for high school students, which they usually participate in with the support of their teachers. The companies assign mentors who work with the students for a period of three to six months. During that time, the mentors give them access to modern technologies, guidance on testing, code organization, design, as well as suggestions on how to best present their solution. This is an excellent initiative because it allows students to experience real work within business entities, understand the challenges of that environment, take on additional responsibility, and gain valuable knowledge through informal education. These are students who are genuinely interested in the field of software development,” Bukilić emphasized. He also added that the quality of the competition has been increasing year after year, with the competition becoming stronger, reflecting the growing interest of young people in the IT field: “This year as well, we had the opportunity to see inspiring solutions. Although they are not yet professional, that is not the goal at this stage – what matters more is that the participants gain new knowledge, experience, and build connections with one another.” Among the awardees, a team from the “Vaso Aligrudić” Electrotechnical School in Podgorica stood out, winning first place with their application “NestAndRest”, created by Ivan Nikčević and his colleagues. The application operates similarly to platforms such as Airbnb and Booking.com. “We integrated advanced technologies that caught the jury’s attention. I had the opportunity to learn many things that can’t be found on the internet. The experience we gained through collaboration with mentors and the companies that are part of the Academy was especially valuable. I would recommend the Cortex Academy to anyone who wants to pursue a career in IT,” said Nikčević. Another interesting solution was presented by the team from the Secondary Vocational School in Nikšić, who developed the application “Click and Stay.” According to Vuk Todorović, the app was designed to help users find quality vacation options, as, in his words, “it’s becoming increasingly difficult nowadays to find time for a break from work and everyday obligations.” “The process was challenging because we had to research and follow global trends in order to develop a solution that provides users with easy access. We received excellent training with our mentors and had great opportunities, as well as additional motivation to continue researching on our own. The Cortex Academy gave us an incredible opportunity — through courses, mentorship, and collaboration with some of the most successful IT companies in Montenegro,” added Todorović. This year, participants of the Cortex Academy included students from the Secondary Electro-Economic School in Bijelo Polje, the Secondary Vocational School in Berane, the Secondary Vocational School in Nikšić, the “Vaso Aligrudić” Electrotechnical School, and the “Slobodan Škerović” Gymnasium. Throughout several months of work, the students were supported by mentors from the companies Bild and Data Design, both members of the non-governmental organization ICT Cortex. The teams’ projects were evaluated by a professional jury consisting of Nada Rakočević, Secretary of the ICT Committee of the Chamber of Economy of Montenegro; Aleksandar Plamenac, professor at the Faculty of Natural Sciences and Mathematics, University of Montenegro; and Omar Đečević, backend developer at Codeus. The program was supported by Crnogorski Telekom, the ICT Committee of the Chamber of Economy of Montenegro, and the Čini Dobro Foundation, all of whom recognized the importance of investing in young IT talent and connecting them with the real sector. The Cortex Academy continues to serve as a bridge between education and industry, enabling young people across Montenegro to step into the world of IT through hands-on experience, mentorship, and the creation of innovative solutions.

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Regional Scrum Gathering Belgrade 2025 – the only event of its kind in Europe this year

Agile Serbia, this year, it once again brings together experts in agile management, product and project management, AI in business, as well as all those dedicated to improving teams and organizations. Regional Scrum Gathering Belgrade 2025 will take place on November 7 in Belgrade, and what makes it particularly important is that this year it will be the only event of its kind in Europe. New Concept and Program Instead of traditional lectures, over 90% of the program consists of workshops, discussions, and interactive sessions. Everything is focused on practical application: participants work together with speakers on real challenges, share experiences, and try out concrete tools and techniques. The result? Knowledge and skills they can start applying in their work and teams as early as the next day. The topics are broader than ever before; it’s not just about Agile, but also about how we build culture, communicate, and leverage new technologies. We will discuss how to improve collaboration and align goals, how artificial intelligence is changing the way we work and make decisions, and how to build teams that are resilient to change. Each session is designed so that participants leave with practical insights and tools they can immediately apply in their work. Keynote Speakers Among the speakers are world-renowned and regional experts known for their practical approach and interactive workshops: Niels Pfläging – management expert and author who pushes the boundaries of leadership and innovation. James Coplien – pioneer in software design and one of the founders of the pattern discipline, whose work laid the foundations for Scrum and Extreme Programming. Aaron and Ben Kopel – agile coaches from Project Brilliant, inspiring leaders and teams to adopt Business Agility through practice. Jonathan Frankenberger and Jutta Bechtloff – consultants with extensive experience in leading teams and implementing complex solutions. Predrag Rajković – Agile Coach from Agile Serbia and host of RSG Belgrade 2025, known for translating complex concepts into practical, immediately applicable solutions. Why Participate? Regional Scrum Gathering Belgrade 2025 is not just an ordinary conference. This is an event where participants become an active part of the program – you are not just an audience, but part of a community that learns and shares experiences. Here’s what awaits you: Unique format and practical knowledge: workshops, interactive sessions, and concrete tools you can immediately apply in your work. Exceptional trainers from Europe and the region: speakers with hands-on project experience who inspire and demonstrate how Agile, leadership, and innovation are applied in practice. Networking and experience sharing: meet colleagues from different industries, exchange challenges and solutions, and build professional connections that last. A community shaping the future of work: become part of a global movement that is transforming the way teams and organizations operate. Since Belgrade is hosting the only event of its kind in Europe this year, this is an opportunity you don’t want to miss. You can find more information about the conference on the official website: https://agile-serbia.rs/conference/regional-scrum-gathering-belgrade-2025/

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How Fintech is Transforming Banking in Montenegro

What is fintech and why is it important? Fintech is the fusion of regulation, technology, and design that “unlocks” banking infrastructure and turns it into user-centric services. From Presta’s perspective, fintech represents an orchestration layer on top of banks: connecting accounts, data, and payments into a single seamless experience — from P2P and QR payments to multibanking for companies — with a high level of security and compliance. This makes banking faster, cheaper, and more transparent, while banks gain new acquisition and monetization channels. Global fintech trends Open banking and PSD2 are leading towards the open finance model, with standardized access to accounts and payment initiation, opening the door to new services such as aggregation, A2A checkout, and personal finance tools. Montenegro is already normatively aligned with PSD2 through amendments to the Law on Payment Transactions. Instant payments and “request-to-pay” models are introducing the expected domestic “TIPS Clone” and extended system operating hours, reducing waiting times from “T+1” to just seconds — crucial for P2P, POS, and e-commerce transactions. SEPA integration facilitates cross-border transfers and aligns with broader EU market standards. AI in finance enables transaction categorization, fraud prevention, and offer personalization, while integrations with third-party services connect banking with ERP, Accounting, Insurance, and other applications. Examples of fintech solutions in Montenegro In the local market, fintech solutions are already changing the way business is done. Multibanking for legal entities allows the connection of accounts from multiple banks, initiation of individual and group payments, scanning and initiating orders via QR code, and generating reports — all through a single panel instead of using multiple e-banking systems. The Presto mobile app brings P2P and RfP services, scanning of fiscal and utility QR codes, as well as order confirmations via verification QR. Local players in tourism, museums, parks, and the donations sector are already using PrestoLink for online payments through a link. Banking segments most transformed by fintech The biggest changes are happening in: Payments and collections (A2A, instant, QR, link-to-pay) Cash management for companies (account aggregation, bulk orders) Customer support and UX (simple identification, 2FA, self-service). The relationship between banks and fintech companies The relationship between banks and fintech companies in Montenegro is increasingly based on partnership. Banks retain the regulated “core” and balance sheet, while fintech brings innovation speed, UX, and new channels. The regulator encourages cooperation through initiatives such as the FinTech HUB and consultations. Fleka approaches this relationship with a “partnership-first” model, developing services on top of PSD2 APIs and banking systems, with clear commercial models for both sides. Key stakeholders in the fintech ecosystem The key players in the development of fintech in Montenegro are: CBCG as regulator and system operator Commercial banks Payment institutions and fintech startups State and municipal services ICT Cortex and other technology clusters Card schemes International partners (EPC/SEPA, TIPS, vendors). Presto collaborates with banks through integrations based on the PSD2 model (AISP/PISP) and joint products for the SME segment, offering merchants and utility companies solutions ranging from payment QR codes to bill presentment and subscriptions, while the tourism sector and public institutions use PrestoLink for ticket, membership, and donation sales. Technologies with the greatest potential The highest potential in the market lies in: Instant payments and RfP models (TIPS Clone) AI technologies (fraud detection, categorization, recommendations) Digital identity and e-signatures Blockchain (selectively, for verifiable certificates and traces). Fleka and domestic fintech solutions Among the solutions that Fleka develops or supports are: Presto for business (web): multibanking, transactions and orders, QR invoice scanning, counterparty directory, confirmations with verification QR. Presto mobile: P2P, request-to-pay, utility QR, account marketplace, payment history, recurring orders. PrestoLink®: link-based payments for institutions and events (tickets, donations). Regulation and the need for improvement Regulation is largely aligned with PSD2. However, further steps are needed to: Standardize APIs (e.g., Berlin Group) Enable sandbox environments and test data Publicly publish SLA and uptime statistics Accelerate the rollout of instant and RfP systems Develop digital identity and interoperable e-signatures. Main challenges for fintech companies The biggest challenges are fragmented PSD2 APIs, the cost and complexity of compliance, limited availability of instant infrastructure, market education and trust, lack of specialized talent, and early access to capital. The future of the relationship between banks and fintech  In the next five years, the development of co-creation models and the concept of “banking-as-a-platform” is expected. A2A checkout with instant payments will become standard in the e-commerce sector, SEPA will facilitate cross-border payments, and open finance will extend the scope of data to savings, loans, and investments. What do citizens and businesses gain? The main benefits are faster and cheaper 24/7 payments, reduced friction in collections and subscriptions, better money oversight through aggregation and analytics, easier access to financing, more secure transactions, and less bureaucracy thanks to digital identity and standardization. Next steps for Presto Plans include rolling out the app for individuals, enhancing multibanking for businesses, introducing bill presentment and subscriptions, categorization and BI reports for companies, developing a developer ecosystem with partner integrations, and continuous upgrades in compliance and security.

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Strength of Partnership: The Chamber of Economy of Montenegro with the ICT Sector for the Digital Future of Montenegro

 At a time when technology is changing the world faster than ever, Montenegro has the opportunity to be part of these changes – not as an observer, but as an active participant. The Chamber of Economy of Montenegro (PKCG), as the umbrella institution of Montenegro’s economy, recognizes precisely this: that innovation and the ICT sector are key to a modern, competitive, and sustainable economy. With the mission of creating an environment where digital solutions become the driver of new values, and where Montenegro is recognized as a country ready to embrace technological trends, PKCG has once again stood by the ICT sector, giving it strategic support as the general sponsor of IT SPOT 2025 – a conference that brings together the best domestic and international experts, delivers new knowledge, and connects the economy with the world of digital solutions. Why is the ICT sector important for all of us? Today, the ICT sector is not just another branch of the economy – it is the driving force behind the development of all other sectors. Tourism is becoming smarter through digital platforms and personalized experiences. Finance is transforming through fintech solutions that bring efficiency and security. Energy is entering the era of smart grids. Agriculture, thanks to technology, is becoming more precise and sustainable. In other words – innovation is not a privilege of the big players, but an opportunity for everyone: from startups and young professionals to traditional companies that want to grow. The ICT industry is today the backbone of every competitive economy. For Montenegro, it represents a ticket to the global market, as digital solutions erase borders and open doors to investments and partnerships. The Chamber of Economy of Montenegro sees itself as a bridge between traditional industries and digital innovators. IT SPOT – more than a conference For PKCG members and the wider business community, IT SPOT is not just an event – it is a space for networking, inspiration, and discovering new opportunities. It is a place where ideas are born, partnerships are formed, and the vision of Montenegro as a country ready to step into the digital future is built. PKCG believes that IT SPOT will be the catalyst for cooperation between companies, institutions, and innovators – because only through joint efforts can we accelerate the transformation of our economy. A Look into the Future In the next 5–10 years, the ICT sector has the power to become one of the most important drivers of growth and employment in Montenegro. With the support of institutions such as PKCG, domestic ICT companies can position themselves on the global market, and Montenegro can become recognized as a regional hub of innovation. The message of PKCG is simple: for the community to remain open to change, learning and development, networking, and seizing the opportunities that the digital world offers. Innovation is here to open doors for everyone – and the Chamber of Economy of Montenegro will continue to be a partner and supporter on that path. From IT SPOT 2025, expectations are that it will show Montenegro has both the strength and the vision to be part of Europe’s digital future. New ideas, business agreements, and inspiration are anticipated – the kind that will motivate companies to walk the path of innovation even more boldly.

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Applications Open for the Regional GameDev Hackathon – ICT Cortex Hosts the Regional Video Game Development Challenge

Podgorica will be the regional hub of creativity and innovation in the gaming industry from October 10 to 12, 2025, as the Regional GameDev Hackathon takes place at the Science and Technology Park of Montenegro. Applications are officially open for all interested participants from Montenegro and the region. The hackathon is designed as a two-day video game development challenge, open to solo developers and teams of 1 to 5 members, aged 15 and older. During the hackathon, all teams will compete in a single category, and the theme will be revealed at the official opening on October 10 at 5 PM. Programmers, artists, designers, composers, and all other creatives interested in trying their hand at game creation are welcome to apply. Applications can be submitted through the form form available on the official ICT Cortex channels. The Regional GameDev Hackathon 2025 is organized within the CBC GAIN project (Investing in the Future: Gaming for New Generations), implemented in Montenegro by ICT Cortex, with co-financing from the European Union through the Interreg VI-A IPA Programme Croatia – Bosnia and Herzegovina – Montenegro 2021–2027. Activities in Montenegro are carried out with the support of the Ministry of Regional and Investment Development and in cooperation with non-governmental organizations.

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Addiko Bank on the IT SPOT 2024 Conference: Topics That Inspire and Contacts That Last

Addiko Bank on the IT SPOT 2024 Conference: Topics That Inspire and Contacts That Last When it comes to key events in the IT calendar of both the national and regional technology and business scene, the IT SPOT conference is becoming an essential gathering point for leading experts, innovators, and companies that are pushing the boundaries of the digital world. Among those who recognized the value of this conference is Addiko Bank, which, through active participation last year, gained valuable experience and new connections. An experience that inspires “Our experience at last year’s IT SPOT conference was extremely positive,” highlight representatives from Addiko Bank. Not only did representatives of the bank participate as attendees, but their Director of Product Development, Digital Channels, and Bancassurance, Aleksandar Borozan, also took part in a panel discussion on the topic of “Electronic Identification of Individuals.” With his contribution, he further enriched the discussion by highlighting the great potential of electronic identification and offering new perspectives. An opportunity to connect with experts, exchange knowledge, and gain relevant insights – all of this made the conference especially valuable, according to representatives of Addiko Bank. Topics that spark dialogue The strongest impression was left by topics focused on digital transformation, the practical application of artificial intelligence and the development of innovation in the modern business environment. They also noted that sessions dealing with the future of technology and the sustainable development of the IT sector were particularly inspiring, offering insight into where the industry is headed – and how to actively participate on that path. High-level organization The Addiko team especially emphasizes the professionalism and quality of the organization: “The conference was clearly structured, technically flawless, and rich in content.” It was precisely this clarity and technical support that enabled the smooth exchange of ideas and active participation from all attendees. Openness, dialogue, and concrete inspiration As the strongest impression from IT SPOT 2024, Addiko Bank highlights the open and constructive atmosphere among participants, as well as a rich program filled with concrete real-world examples. The quality and diversity of speakers further contributed to the inspiring tone of the conference and reinforced its importance for everyone involved in digital business. Why they recommend IT SPOT? According to the Addiko team, the IT SPOT conference offers a unique platform for following technological trends, establishing new partnerships, and sharing knowledge. It is ideal for anyone looking to deepen their understanding of the modern digital landscape and actively contribute to the development of the IT and business community. More than a conference – an investment in the future For Addiko Bank, participation in events like these represents a continuous investment in knowledge, development, and team spirit. These are the moments when professional capacities are strengthened, ideas are exchanged, and motivation for new projects grows. Connections that last The conference didn’t end with the final lecture – on the contrary, it sparked new ideas for collaboration, as well as valuable contacts with experts and organizations. “IT SPOT allowed us to view current challenges from different perspectives and further expand our knowledge,” conclude representatives from Addiko Bank. If you too want to be part of a tech event that drives change – see you at IT SPOT 2025. This year’s edition will be held on October 30–31 at the Music Centre of Montenegro. Learn more

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From Idea to Funding: How 3Hills Captured Microsoft’s Attention

Montenegrin gaming studio 3Hills is now capturing the attention of both the regional and global scenes, and their latest achievement — being accepted into Microsoft’s ID@Xbox program — is a clear confirmation of the direction the studio is heading. However, behind this success lie years of hard work, learning, collaboration, and a clear vision: to build a sustainable gaming studio in a country that is only beginning to discover its potential in the gaming industry. Love for game development as a starting point 3Hills was born from a genuine desire to be part of a creative and innovative industry that not only entertains but also connects people, ideas, and communities. The founding team brought together experts from various fields—software development, design, and business—with the goal of creating games with a strong identity, while also contributing to building the local gaming scene in Montenegro. Their goal was never just to develop one game, but to lay the groundwork for a long-term, sustainable venture that would open doors for others as well. Early-stage Support: Amplitudo as a Springboard It’s rare in the region for a technology company to recognize the potential in the creative industry and invest resources into its development. 3Hills had this privilege – for over a year, they developed ideas, learned, and tested without direct market pressure, thanks to the financial and mentorship support from Amplitudo. This collaboration enabled a smooth transition to independent operations, where they took full responsibility for creative and strategic decisions. Even today, Amplitudo remains their strategic partner. Cheesy Burgers and the First Confirmations of Quality Their first major success came with the game Cheesy Burgers, a title that stood out for its simple yet exceptionally well-executed mechanics. Its performance and metrics captured Google’s attention, leading to 3Hills’ inclusion in the prestigious Google Indie Games Accelerator program. This milestone opened new doors: collaborations, mentorship, and international recognition, while also boosting their confidence for further growth. Team5: A Step Towards Serious PC Production Another significant project for the studio’s growth was Team5, a game developed for a foreign client. This marked their first foray into PC game development—one of 3Hills’ strategic goals. Over a year of work on this title resulted not only in stability for the studio but also in valuable experience working with complex systems and multi-layered games. Right after Team5, the studio decided to take a new, more ambitious step: to develop its own PC title. Echo: Defy Death – The First Original PC Title Echo: Defy Death is an action roguelike set in a black-and-white world where orientation is based on sound. The player “sees” through echo—every step, hit, or sound in the environment reveals the world in fragments. This unique mechanic offers a different approach to combat, navigation, and movement through levels. In addition, a moral choice system—between good and corruption—directly impacts the game’s progression and the appearance of its world. Echo is also 3Hills’ most ambitious project to date: creatively authentic, technically demanding, and entirely driven by the team’s vision. The Road to Microsoft: ID@Xbox as Recognition and Opportunity The application process for Microsoft’s ID@Xbox program was entirely online. Competing against global indie studios, 3Hills had to convince evaluators solely through written and visual materials. Their concrete results helped them achieve this—over 25,000 wishlists on Steam and viral TikTok content that reached millions of views. It was precisely this evidence of market potential, combined with Echo’s authenticity, that opened the doors to this prestigious program. ID@Xbox provides visibility in the console market, better distribution, access to tools and networks, and a strong confirmation that the team is heading in the right direction. A Developing Industry – But with Potential Even though the gaming industry in Montenegro is still in its early stages, its potential is evident. 3Hills points out that the biggest challenges are the lack of experienced personnel, funding uncertainty, and limited understanding of the industry by institutions. Their approach—participating in international programs, taking initiative, and building a community—shows that these challenges can be overcome. Community as Key: Montegames and Collaboration Beyond developing their own games, 3Hills actively contributes to the community. They are one of the founders of the Montegames initiative and regularly collaborate with local and international teams. Through Google, Xsolla, Portugal Startup Retreat, and other programs, they exchange knowledge, contacts, and best practices—with significant support from the regional indie game development community, especially from Serbia. GameDevHub – The Missing Infrastructural Support The opening of GameDevHub marks an important milestone for the domestic industry. As the first dedicated space for game development, the hub will offer equipment, workshops, training, events, and mentorship for new teams and individuals. For 3Hills, it signals that the gaming industry in Montenegro is beginning to be taken seriously—as a vital part of the digital economy. If managed strategically, GameDevHub can become a crucial hub for new generations of developers who won’t have to leave the country to pursue this profession. A Message to Future Developers For those looking to enter the world of game development, 3Hills has a simple message: don’t wait for ideal conditions. Start with small projects, participate in game jams, learn online, and collaborate with others. The gaming industry values and rewards persistence, creativity, and teamwork. The story of 3Hills Studio is a prime example of how passion can build a studio that breaks into the global mainstream. Through a combination of expertise, support, persistence, and a clear vision, 3Hills has shown that Montenegro has a lot to offer the gaming world – and the best is yet to come. The CBC GAIN project is co-financed by the European Union through the Interreg VI-A IPA Programme Croatia – Bosnia and Herzegovina – Montenegro 2021 – 2027.

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Dissemination Seminar Held as Part of the SAGRI Project – Guidelines for Improving Occupational Safety and Health in Montenegrin Agriculture Presented

A dissemination seminar was held yesterday at the Science and Technology Park in Podgorica as part of the SAGRI project – “Occupational Safety and Health in Agriculture”, implemented through the Interreg IPA CBC South Adriatic programme. The seminar brought together representatives of key institutions, agricultural enterprises, and occupational health and safety experts, with the aim of presenting the project results and recommendations for improving occupational safety and health in Montenegro’s agricultural sector. In her opening remarks, Zorka Vojinović from the NGO ICT Cortex, the event organizer, highlighted the importance of institutionalizing the OSH (Occupational Safety and Health) guidelines developed through several months of research, testing in ten local agricultural enterprises, and consultations with the relevant institutions. During the seminar, Đina Janković, an occupational safety and health expert, presented the document titled “Situation Analysis and Guidelines for Risk Prevention in Agriculture in Montenegro.” The document identifies key challenges in the field of occupational safety, such as insufficient institutional support, outdated regulations, and low awareness among employers and employees about the importance of preventive measures. Dr. Miljan Joksimović from the Biotechnical Faculty addressed the economic aspect of OSH measures, emphasizing that investing in employee safety contributes to the long-term competitiveness and sustainability of agricultural enterprises. The panel discussion drew particular interest from participants, featuring speakers from the Ministry of Labour, Employment and Social Dialogue, the Occupational Health and Safety Inspectorate, the Food Safety Authority, as well as the private sector. The panelists highlighted the need to strengthen inspection capacities, improve injury reporting, and integrate OSH guidelines into agricultural support programs. At the end of the seminar, recommendations for further institutional development were presented, and all relevant stakeholders were invited to support the broader implementation of the proposed guidelines in the agricultural sector. The SAGRI project is being implemented in partnership with organizations from Montenegro, Italy, and Albania, with activities funded through the Interreg IPA CBC South Adriatic programme.

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7 KEY TAKEAWAYS – Study Visit to Serbia

Aware that successful business results stem from networking and continuous learning, we organized the first regional study visit to Serbia from September 12 to 16. Besides representatives of the cluster’s executive office, our delegation included member companies: Alicorn, Amplitudo, Bild Studio, AI Solution, Codeus, Oykos Development Hub, Čikom, and Simes Engineering. 1. Profesori kao mentori i edukacija mladog kadra Study visits are an ideal opportunity to exchange knowledge and experience. The intensive agenda included visits to numerous IT companies, innovative organizations, and economic entities in Belgrade and Novi Sad, including: BioSense Institute, Vega IT, Zesium, Incubator, Nordeus, Levi9, Schneider Electric, Innovation Fund Belgrade, Nova Iskra, Science and Technology Parks Novi Sad and Belgrade, and the Serbian Games Association. Our hosts, to whom we owe special thanks and without whom this study visit would not have been so successful, were Nebojša Bjelotomić from “Digital Serbia” and Milan Šolaja from the Vojvodina Cluster. Below are the main conclusions we drew from this study visit, ranging from the impact of professors in the IT industry, through different content used to motivate employees, to the importance of synergy between industry and academia. Professors as mentors and educating young professionals Throughout the study visit, we observed the significance and contribution of university professors to the development of Serbia’s ICT scene. The “Digital Serbia” initiative implements projects focused on developing hybrid work models and close cooperation between academia and industry, aiming to retain teaching assistants who could become professors. This need arose due to low university salaries, and companies are trying to enable professors to spend part of their working time in the industry, gaining experience and earning a dignified income. At the Novi Sad Business Incubator, they emphasized the importance of teaching with many associations and concrete life examples. Their mentors are mostly professors who strive to awaken interest and transfer knowledge to younger generations. Interestingly, the initiators of this institution were actually three professors. Given that we live in the era of the “internet generations,” it is necessary to work with professors who can effectively and engagingly transfer knowledge and hold the attention of new generations. 2. Companies’ care for their employees  Employee satisfaction is very important if you want to retain them in the company, but this is not always measured only by salary increases. There are many other factors that contribute. For example, Levi9 pays special attention to various employee activities through sports and social events, while at Schneider Electric, benefits include: flexible working hours flexible bonus budget allocated for learning or team building only 4 working hours on Fridays meals subsidized by 50% private health insurance discounts at retail/wholesale stores and many hotels and restaurants Strengthening work-life balance, transparency, excellent benefits, and more frequent expressions of gratitude help boost employee morale. When asked how they retain people, Vega IT answered: good salaries, competitive in the market employees dedicated solely to managing career development and addressing employee needs and satisfaction they developed software – a weekly survey completed every Friday that assesses employees’ emotional and mental state. Using this, sources of dissatisfaction, often minor, are usually resolved quickly. transparency attention to colleagues’ health: lectures, sports activities, events for family, children, colleagues, and even a Kids Club for socializing team building (different themed activities based on employee preferences, such as DJ parties, theater outings, trips, hiking…) At the well-known gaming company Nordeus, care for employees is shown through numerous facilities employees can use to relax when taking breaks from work: recreation rooms, gaming consoles, table tennis, foosball, and even an arcade machine. There’s also a restaurant, cafeterias, a kids club, and many other amenities for employees. Conclusion: Developing and incentivizing employees costs money but yields results. 3. Support for the Startup Community  … especially for those focused on IT innovations. Collaboration with the startup community allows companies to keep up with trends and stay in constant contact with new ideas, ways of thinking, and approaches, which later enables companies to better utilize their own resources and technology. At the Business Incubator in Novi Sad, we received confirmation of the necessity to connect the academic and business communities in order to scale and prepare as many ideas as possible for the market. Besides providing office spaces at particularly favorable conditions, the Business Incubator also offers mentoring support, monthly consultations, and meetings. A common mistake is that a startup team consists of members from the same profession, so, for example, they know the technology but not the business side. A very positive aspect is that the Investment Fund has recognized the importance of this issue and has programs to stimulate innovation and provide financial support to innovative startups. Not all support has to be financial or mentoring. “Nova Iskra” offers an open space where digital nomads and startup enthusiasts gather, work, and exchange experiences and ideas. The belief is that a space without a community is useless, so the strength of the community here is the key benefit. ICT HUB also provides a space and community where startup enthusiasts and digital nomads gather, meet, and receive consultations, education, and support. Key takeaway: By supporting the startup ecosystem, new jobs are encouraged to open, talent development is fostered, and generally, promoting entrepreneurial efforts stimulates growth in the IT sector economy as well as the overall economy. Bonus key takeaway: We noticed that Montenegro does not have a freelancer map. Technology in Action Here we return to the primary function of technology: improving people’s quality of life. The BioSense Institute works on improving agriculture and the environment through innovative technical solutions. Specifically, the software tools they develop perform predictions, preserve biodiversity, optimize yields and business processes in agriculture. A few years ago, based on input data from America, by detecting which seed variety grows best on which micro-location, they developed software that optimally distributes seeds. They also developed software that, based on stem details, detects whether a tomato will spoil within the next 5 days, which would cause faster spoilage of others — a significant benefit

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Winter School of Programming and Game Development – Code&Play

Winter School of Programming and Game Development – Code&Play The Code&Play Winter School project was implemented as an educational program aimed at computer science students and high school students interested in modern IT technologies. Over the course of six months, participants gained knowledge and skills through three specialized programs: Frontend web application development using the React framework (for students) Backend web application development using the Laravel framework (for students) Game development using the Unity engine (for high school students) The trainings were led by experienced experts and mentors from the IT sector: Zoran Mastilović and Marko Lekić, technical directors of Data Design and Fleka companies, respectively, in the field of web programming, while game development was conducted under the mentorship of Aleksandar Dlabač, director of Codelab. The programs were designed as intensive courses lasting 40 hours each, featuring interactive work, practical exercises, and small group collaboration, which contributed to a high quality of instruction and a personalized approach. Lectures were held live, with additional support provided through online consultations. The project aimed to improve the practical skills of young people for work in the rapidly growing IT sector, thereby supporting Montenegro’s economic development and opening new career advancement opportunities. Target Audience  Computer science students from three Montenegrin universities were eligible to participate in the React and Laravel programs, provided they had an intermediate level of knowledge of relevant programming languages, proficiency in English, and access to their own laptop. Selection was conducted through an entrance exam. High school students from Podgorica, Nikšić, Danilovgrad, Bijelo Polje, Herceg Novi, and Zeta were enabled to participate in the Unity program, with special focus on students from vocational schools and gymnasiums interested in web and mobile application development. Participant Outcomes Gained deep understanding of web and game development Acquired practical skills in React, Laravel, and Unity technologies Developed teamwork, critical thinking, communication, and presentation skills Increased readiness for work and growth in the IT industry   This program is funded by the Montenegrin Innovation Fund through the program for implementing educational programs in smart specialization areas, and is implemented by ICT Cortex.

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