Berisha Dranqolli, Vlora, Albulena Shala, Blake Rayfield, Anesa Collakovic, Kaltirna Mema, Era Hamiti, and Besa Sadikaj. 2026. “Financial Literacy, Digital Inclusion, and Sustainable Economic Governance: Comparative Evidence from the Western Balkans”. In Sustainable Governance in the Age of Artificial Intelligence: Interdisciplinary Perspectives on ESG, Digital Transformation and Corporate Responsibility, edited by Jernej Belak and Sunčica Oberman Peterka, 1-18. University of Maribor Press. https://doi.org/10.18690/um.epf.7.2026.1.