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Measuring the performance of e-banking : Graduate paper
No full textOvaj rad istražuje ključne aspekte uspješnosti e-bankarstva, kao suvremenog oblika pružanja
bankarskih usluga koji se temelji na digitalnim platformama poput internetskog i mobilnog
bankarstva. Kroz detaljnu analizu, rad ističe prednosti poput pristupačnosti, smanjenja troškova
i brzine transakcija, kao i izazove poput kibernetičke sigurnosti i digitalne inkluzije. Rad
analizira čimbenike koji doprinose uspješnosti e-bankarstva, uključujući zadovoljstvo
korisnika, tehnološku pouzdanost i usklađenost s regulatornim zahtjevima.
Primijenjena metodologija obuhvaća teorijsku analizu i empirijsko istraživanje provedeno
putem ankete među korisnicima e-bankarstva. Istraživanje je provedeno online među 55
ispitanika koji koriste e-bankarstvo, a cilj je bio ispitati njihovo zadovoljstvo i iskustva. Uzorak
je uključivao korisnike raznih dobnih skupina, a sve je organizirano putem društvenih mreža.
Rezultati ankete pokazuju visoku razinu zadovoljstva korisnika u pogledu pouzdanosti,
sigurnosti i brzine transakcija, dok su izazovi vezani uz edukaciju korisnika i povremene
tehničke probleme. Fokus rada bio je i na uvođenju naprednih tehnologija i korisnih inovacija
koje poboljšavaju korisničko iskustvo.
Rad donosi preporuke za optimizaciju usluga e-bankarstva, uključujući ulaganje u sigurnosne
protokole, poboljšanje korisničke podrške i daljnji razvoj digitalnih kanala. Zaključno, ebankarstvo
se ističe kao ključna komponenta suvremenog financijskog sustava s velikim
potencijalom za daljnji razvoj i unaprjeđenje korisničkog iskustva.This paper explores key aspects of the success of e-banking, as a modern form of banking
services based on digital platforms such as online and mobile banking. Through a detailed
analysis, the paper highlights advantages such as accessibility, cost reduction and transaction
speed, as well as challenges such as cybersecurity and digital inclusion. The paper analyzes
factors that contribute to the success of e-banking, including user satisfaction, technological
reliability and compliance with regulatory requirements.
The applied methodology includes theoretical analysis and empirical research conducted
through a survey among e-banking users. The research was conducted online with 55
respondents who use e-banking, aiming to assess their satisfaction and experiences. The sample
included users of various age groups, and the survey was distributed via social media. The
survey results show a high level of user satisfaction in terms of reliability, security and
transaction speed, while challenges are related to user education and occasional technical
problems. The focus of the paper was also on the implementation of advanced technologies and
user-oriented innovations that enhance the user experience.
The paper makes recommendations for optimizing e-banking services, including investing in
security protocols, improving customer support and further developing digital channels. In
conclusion, e-banking stands out as a key component of the modern financial system with great
potential for further development and improvement of the user experience
Differences in serum procalcitonin levels between patients with severe brain injury and patients with brain death
No full textCILJ ISTRAŽIVANJA: Cilj provedenog istraživanja bio je usporediti serumske vrijednosti
prokalcitonina, C-reaktivnog proteina i leukocita među skupinama te ispitati može li
prokalcitonin koristiti kao prediktor za rizik nastanka bakterijske infekcije te usporediti
vrijednosti prokalcitonina između spomenutih skupina u kontekstu ishoda liječenja (smrtni
ishod ili preživljenje).
NACRT STUDIJE: Presječna studija s povijesnim podatcima.
ISPITANICI I METODE: Studija je uključivala 224 pacijenta liječena na Zavodu za
intenzivnu medicinu Kliničkog bolničkog centra Osijek u vremenskom razdoblju od 1.1.2018.
do 1.1.2025. godine. pod dijagnozom teške ozljede mozga. Podatci su se prikupljali iz
Bolničkog informacijskog sustava (BIS).
REZULTATI: Veći dio pacijenata uključenih u ovo istraživanje su muškarci. Intrakranijalno
krvarenje bez obzira na način nastanka je najčešća ulazna dijagnoza. Najčešći komorbiditet
pacijenata u ovom istraživanju je neki oblik kardiovaskularne bolesti. Najčešće izolirani
uzročnik kod pacijenata s bakterijskom infekcijom je Acinetobacter baumanii. Učinjeno je 138
operacija i 42 reoperacije. Vrijednosti prokalcitonina između triju skupina značajno se ne
razlikuju. Vrijednosti CRP-a značajno su više u skupini teške ozljede mozga s bakterijskom
infekcijom. 66,7% pacijenata ( iz skupine 2 i 3) uključenih u istraživanje je umrlo. Uočene su
više vrijednosti prokalcitonina i glukoze u krvi, a niže vrijednosti trombocita kod pacijenata sa
smrtnim ishodom.
ZAKLJUČAK: Pacijenti skupine 2 (teška ozljeda mozga s bakterijskom infekcijom) imaju
značajno više vrijednosti CRP-a i trombocita. Smrtni ishod pacijenata povezan je s višim
vrijednostima PCT-a u serumu i višim vrijednostima glukoze u krvi, a nižim vrijednostima
trombocita naspram preživjelih pacijenata.OBJECTIVE: Aim of this study was to compare serum levels of procalcitonin, C-reactive
protein (CRP), and leukocytes among different patient groups, and to investigate whether
procalcitonin can serve as a predictor for the risk of bacterial infection. Additionally, the study
aimed to compare procalcitonin values across the groups in the context of treatment outcomes
(death or survival).
STUDY DESIGN: Cross-sectional study with historical data.
PARTICIPANTS AND METHODS: The study involved 224 patients treated at the Intensive
Care Unit of the Clinical Hospital Center Osijek between January 1, 2018, and January 1, 2025,
with a diagnosis of severe brain injury. Data were collected from the Hospital Information
System.
RESULTS: A majority of patients included in this study were male. Intracranial hemorrhage,
regardless of the cause, was the most common diagnosis upon admission. The most frequent
comorbidity among patients was some form of cardiovascular disease. The most commonly
isolated pathogen in patients with bacterial infection was Acinetobacter baumannii. A total of
138 surgeries and 42 reoperations were performed. Procalcitonin levels did not significantly
differ between the three groups, while CRP levels were significantly higher in the group with
severe brain injury and bacterial infection. 66.7% of patients (from groups 2 and 3) included in
the study died. Higher levels of procalcitonin and blood glucose, along with lower platelet
counts, were observed in patients with fatal outcomes.
CONCLUSION: Patients in group 2 (severe brain injury with bacterial infection) exhibited
significantly higher CRP levels and lower platelet counts. The fatal outcome in patients was
associated with higher procalcitonin and blood glucose levels, as well as lower platelet counts
compared to survivors
Sensitivity Analysis in the Decision-Making Function of Investment Projects : Graduate paper
No full textInvesticijski projekti temelje se na analizi i planiranju s ciljem ostvarivanja financijskih ciljeva, a
analiza osjetljivosti ima važnu ulogu u procjeni rizika i donošenju odluka. U radu je provedena
analiza osjetljivosti projekta tvrtke Vodovod grada Vukovara d.o.o. radi utvrđivanja financijskih
rizika i njihovog utjecaja na poslovne odluke. Primijenjene metode, uključujući Excel analize,
omogućile su detaljan uvid u osjetljivost ključnih ulaznih varijabli projekta. Dobiveni rezultati
pružaju smjernice za bolje upravljanje rizicima i buduće investicijske odluke. Analiza osjetljivosti
pokazala je da promjene ključnih ulaznih varijabli, poput nepredviđenih troškova i udjela EU
financiranja, reflektiraju na financijsku održivost projekta. Povećanje nepredviđenih troškova za 5
postotnih bodova rezultira porastom troškova za preko milijun eura, dok smanjenje EU
sufinanciranja za 10 postotnih bodova povećava nacionalnu komponentu za nekoliko milijuna eura.
Simulacije ukazuju na smanjenje interne stope povrata i neto sustavne vrijednosti u skladu s
povećanjem troškova, što zahtijeva uvođenje strožih kontrolnih mehanizama i rezervnih fondova.
Iako bazni scenarij prikazuje projekt kao održiv, promjene u ključnim parametrima mogu ozbiljno
ugroziti financijsku stabilnost. Preporuča se redovito praćenje i simulacija scenarija kako bi se
osigurala dugoročna stabilnost i smanjili rizici za proračun i zajednicu. Praćenje stanja i
poduzimanje mjera za smanjenje rizika kontinuiran je proces kojim se osigurava fleksibilnost i
pravovremeno prilagođavanje. Iterativni karakter analize omogućuje bolje razumijevanje dinamike
projekta i optimizaciju strategija za smanjenje nesigurnosti te donošenje informiranih odluka.Investment projects are based on analysis and planning aimed at achieving financial goals, with
sensitivity analysis playing a crucial role in risk assessment and decision-making. This study
conducted a sensitivity analysis of the project by Vodovod grada Vukovara d.o.o. to identify
financial risks and their impact on business decisions. Applied methods, including Excel analyses,
provided a detailed insight into the sensitivity of key input variables of the project.
The results offer guidelines for better risk management and future investment decisions. Sensitivity
analysis revealed that changes in key input variables, such as unforeseen costs and the share of EU
funding, significantly affect the financial sustainability of the project. An increase in unforeseen
costs by 5 percentage points results in a cost increase of over one million euros, while a 10-
percentage-point decrease in EU co-financing raises the national funding component by several
million euros. Simulations indicate a reduction in the internal rate of return and net systematic
value in line with rising costs, necessitating the introduction of stricter control mechanisms and
reserve funds.
Although the baseline scenario portrays the project as sustainable, changes in key parameters could
seriously jeopardize financial stability. Regular monitoring and scenario simulations are
recommended to ensure long-term stability and minimize risks to the budget and community.
Monitoring conditions and taking measures to reduce risks is a continuous process that ensures
flexibility and timely adaptation. The iterative nature of the analysis enables a better understanding
of project dynamics and the optimization of strategies to reduce uncertainty and make informed
decisions
Development of E-commerce Business Models: A Comparative Analysis of Traditional and Digital Approaches : Final paper
No full textOvaj završni rad istražuje utjecaj razvoja poslovnih modela e-trgovine kroz komparativnu analizu tradicionalnih i digitalnih pristupa u suvremenom svijetu. U radu se objašnjava sama definicija poslovnih modela e-trgovine i njezina obilježja. Svaki pristup sa sobom nosi pojedine prednosti i nedostatke. U radu se od tradicionalnih tipova Modela e-trgovine analiziraju: Business to Business (B2B), Business to Consumer (B2C), Consumer to Consumer (C2C), Consumer to Business (C2B) te Business to Administration (B2A). Kod digitalnih poslovnih modela analiziraju se: D2C, Freemium, Pretplata (subscription), Na zahtjev (on-demand), Peer to Peer (ravnopravno posredovanje) i elektroničko tržište (e-commerce marketplace). Nakon toga provodi se usporedba između tradicionalnih i digitalnih pristupa. Istražuju se izazovi upravljanja e-trgovinom kao što su: upravljanje lancem vrijednosti, distribucijski kanali i interakcija s kupcima. Posebna pažnja posvećena je ulozi suvremenih tehnologija poput umjetne inteligencije, Interneta stvari (IoT) i blockchaina, koje značajno mijenjaju način poslovanja, povećavaju učinkovitost te unapređuju korisničko iskustvo. Analizira se utjecaj digitalnih tehnologija na evoluciju poslovnih modela zajedno uključujući prilagodbu
suvremenim trendovima. Rad navodi koje to prednosti i nedostatke sa sobom nosi digitalna tranzicija u današnjem svijetu. Također navodi se kako je izrazito važna prilagodba poslovnog modela digitalnim trendovima zbog same konkurentnosti u suvremenom tržišnom okruženju. Na kraju rada predstavljene su preporuke za suvremeno poslovanje koje poboljšavaju korisničko iskustvo i uspjeh poslovnih subjekata.This final work explores the impact of the development of e-commerce business models through a comparative analysis of traditional and digital approaches in today’s modern world. The paper explains the very definition and characteristics of e-commerce business models. Each approach brings with it certain advantages and disadvantages. The traditional types of ecommerce models analyzed in the paper include: Business to Business (B2B), Business to Consumer (B2C), Consumer to Consumer (C2C), Consumer to Business (C2B), and Business to Administration (B2A). In terms of digital business models, the paper examines: Direct to Consumer (D2C), Freemium, Subscription, On-Demand, Peer-to-Peer, and E-commerce Marketplace. A comparison is then conducted between traditional and digital approaches. The study investigates key challenges in managing e-commerce, such as value chain management, distribution channels, and customer interaction. Special attention is given to the role of modern technologies such as Artificial Intelligence (AI), the Internet of Things (IoT), and blockchain, which significantly transform business operations, increase efficiency, and enhance the customer experience. The paper analyzes how digital technologies influence the evolution of business models, including the need for adaptation to modern trends. It also highlights the benefits and drawbacks of digital transformation in today’s environment. Furthermore, it emphasizes the importance of adapting business models to digital trends in order to maintain competitiveness in the modern market environment. In conclusion, the paper presents recommendations for modern business practices that aim to improve customer experience and the overall success of business entities
Future Parents? Young People's Attitudes Toward Parenthood and Family Life
No full textOstvarivanje uloge roditeljstva i upuštanje u obiteljski život jedan je od funkcionalnih životnog ciklusa, koji je pod utjecajem raznih individualnih, društvenih i ekonomskih čimbenika, kao i osobnih i društvenih vrijednosti. Suvremeno društvo nameće brojne pozitivne i negativne promjene u području roditeljstva, poput koncepta odgovornog roditeljstva, promjena u rodnim ulogama, suvremenih oblika zajedničkog života, svjesne apstinencije od djece te odgođenog roditeljstva. Ove promjene dovode do preispitivanja i odbacivanja tradicionalnih vrijednosti obitelji i roditeljstva te usvajanja novih vrijednosti, koje su u skladu s trenutnim očekivanjima i potrebama suvremenog društva. Stoga je cilj ovog rada istražiti stavove mladih prema roditeljstvu i obiteljskom životu te utvrditi koji čimbenici, i na koji način, utječu na njihove odluke. Istraživanje je provedeno na uzorku od 203 ispitanika od 18 do 35 godina. Istraživanjem je utvrđeno da postoji statistički značajna razlika u stavovima prema roditeljstvu i obiteljskom životu s obzirom na razinu obrazovanja ispitanika, pri čemu ispitanici s niskom razinom obrazovanja imaju pozitivnije stavove odnosu na ispitanike s visokom razinom obrazovanja. Također, utvrđena je statistički značajna povezanost između ispitanika koji se izjašnjavaju kao religiozni i onih koji nisu religiozni s obzirom na planiranje ili ostvarivanje roditeljske uloge, pri čemu religiozni ispitanici u znatno većem postotku planiraju imati djecu ili ih već imaju u odnosu na ispitanike koji nisu religiozni. Osim toga, korelacijskom analizom utvrđena je snažna pozitivna povezanost obiteljske pozadine i općih stavova mladih o roditeljstvu i obiteljskom životu, što nam ukazuje da obiteljsko okružje ima značajan utjecaj na oblikovanje stavova mladih o ovoj temi.Entering parenthood and engaging in family life represent one of the functional stages of the life cycle, influenced by various individual, social, and economic factors, as well as personal and societal values. Contemporary society imposes numerous positive and negative changes in the domain of parenting, such as the concept of responsible parenting, changes in gender roles, modern forms of cohabitation, conscious childlessness, and delayed parenthood. These changes lead to a re-examination and rejection of traditional family and parenting values and the adoption of new values aligned with the current expectations and needs of modern society. The aim of this paper is to explore young people's attitudes toward parenthood and family life, and to identify the factors that influence their decisions and the ways in which they do so. The research was conducted on a sample of 203 respondents aged 15 to 35. The findings indicate a statistically significant difference in attitudes toward parenthood and family life based on education level, with participants with low education levels holding more positive attitudes compared to those with high education levels. Additionally, a statistically significant relationship was found between religiosity and the intention to become a parent, showing that religious respondents are much more likely to plan to have children or already have them compared to non-religious respondents. Moreover, correlation analysis revealed a strong positive relationship between family background and young people's general attitudes toward parenthood and family life
Car dealership web application
No full textOvaj rad prikazuje razvoj moderne web aplikacije autosalona, čija je svrha omogućiti
pregled, filtriranje i izdvajanje vozila, kao i olakšati upravljanje ponudom vozila administratorima.
Aplikacija je izrađena korištenjem React.js za izradu korisničkog sučelja, Supabase platforme za
poslužiteljski dio i bazu podataka te CSS-a za vizualno oblikovanje. Korisnicima su dostupne
funkcionalnosti kao što su označavanje vozila kao favorita, slanje zahtjeva za kupnju ili servis te pregled
detalja svakog vozila, dok administratori mogu dodavati, uređivati i brisati vozila te upravljati korisničkim
zahtjevima.This paper presents the development of a modern web application for a car dealership,
designed to provide an intuitive platform for viewing, filtering, and managing vehicles. The application is
built up by using React.js for the frontend, Supabase for the backend and database, and CSS for visual
styling. Users can easily browse available vehicles, mark favorites, send requests for purchase or service,
and view detailed information about each vehicle. Administrators have access to dedicated features for
adding, editing, and deleting vehicles, as well as managing user requests through a specialized admin
interface. The main focus of this work is on the design and implementation of core functionalities that
enhance both, user experience and administrative efficiency
Progression of keratoconus in patients with rigid gas permeable contact lenses
No full textCiljevi istraživanja: Ciljevi istraživanja su ispitati utjecaj tvrdih plinopropusnih kontaktnih
leća (RGP CL) i zahvata cross-linking kolagena rožnice (CXL) na progresiju keratokonusa,
analizirajući keratometriju i pahimetriju, kao i ispitati promjenu najbolje korigirane vidne
oštrine s kontaktnim lećama.
Ustroj studije: Povijesna kohortna studija.
Ispitanici i metode: Ovo istraživanje uključuje 32 pacijenta (51 oko) s bilateralnim
keratokonusom, kojima su prilagođene RGP CL na oba oka. Većina pacijenata napravila je CXL
zahvat barem na jednom oku pa su oči podijeljene na skupinu s CXL zahvatom i skupinu bez
zahvata. Svakom je pacijentu određena dob pri dijagnozi keratokonusa, spol, vrijeme praćenja,
vidna oštrina s kontaktnim lećama i naočalama, keratometrija (K2mm/Kmax; K2mm za starije
ili Kmax za novije generacije Pentacam uređaja) te pahimetrija na najtanjem dijelu rožnice prije
zahvata i nakon zahvata.
Rezultati: U skupini očiju s CXL zahvatom, K2mm/Kmax bio je značajno niži godinu dana
nakon zahvata (Wilcoxonov test, P < 0,001), a debljina rožnice se također značajno smanjila
(Wilcoxonov test, P < 0,001). BCLVA nije pokazala značajnu promjenu, dok se BSCVA
značajno poboljšala u skupini očiju s CXL zahvatom (Wilcoxonov test, P = 0,007). U skupini
očiju bez zahvata nije bilo značajnih promjena K2mm/Kmax, debljine rožnice i BCLVA nakon
više od godinu dana.
Zaključak: RGP CL, bez CXL zahvata, nemaju utjecaj na progresiju keratokonusa jer nisu
uočene značajne promjene K2mm/Kmax i debljine rožnice. S druge strane, CXL zahvat
učinkovito sprječava progresiju bolesti, što potvrđuje značajno smanjenje K2mm/Kmax i
debljine rožnice nakon više od godinu dana. BCLVA je ostala stabilna u obje skupine očiju, dok
se BSCVA u skupini očiju sa zahvatom značajno poboljšala.Objectives: The aims of the study were to investigate the effect of rigid gas permeable contact
lenses (RGP CLs) and corneal collagen cross-linking (CXL) procedure on the progression of
keratoconus, by analyzing keratomerty and pachymetry, as well as examining changes in best
corrected visual acuity with contact lenses.
Study design: retrospective cohort study
Participants and methods: The study included 32 patients (51 eyes) with bilateral
keratoconus, who were fitted with RGP CLs on both eyes. The majority of patients had
undergone the CXL procedure in at least one eye, so the eyes were divided into a CXL-treated
group and a non-treated group. For each patient, the following parameters were recorded: age
at the time of keratoconus diagnosis, sex, follow-up duration, visual acuity with contact lenses
and spectacles, keratometry (K2mm/Kmax – K2mm for older or Kmax for newer Pentacam
device generations) and pachymetry at the thinnest point of the cornea, both before and after
the procedure.
Results: In the CXL-treated group, K2mm/Kmax values were significantly reduced more than
one year after the procedure (Wilcoxon test, P < 0.001), and the corneal thickness also showed
a significant decrease (Wilcoxon test, P < 0.001). In this group, best-corrected visual acuity
with contact lenses (BCLVA) did not change significantly, whereas best spectacle-corrected
visual acuity (BSCVA) significantly improved (Wilcoxon test, P = 0.007). In the untreated
group, no significant changes were observed in K2mm/Kmax, corneal thickness or BCLVA
after more than one year of follow-up.
Conclusion: RGP CLs, without the CXL procedure, do not impact the progression of
keratoconus, as no significant changes in K2mm/Kmax or corneal thickness were observed. On
the other hand, the CXL procedure effectively prevents disease progression, as evidenced by
the significant reduction in K2mm/Kmax and corneal thickness after more than one year.
BCLVA remained stable in both eye groups, while BSCVA significantly improved in the CXLtreated group
Sustainable business models : Graduate paper
No full textOdrživi poslovni modeli postaju temelj dugoročne konkurentnosti i otpornosti poduzeća u
globalnom okruženju obilježenom klimatskim, društvenim i ekonomskim izazovima. Ovaj
diplomski rad bavi se teorijskim i praktičnim aspektima održivih poslovnih modela s ciljem
istraživanja njihove uloge u postizanju ravnoteže između profitabilnosti, društvene
odgovornosti i zaštite okoliša. U radu se definira nastanak pojma održivosti i njegova povijest,
analiziraju Ciljevi održivog razvoja Ujedinjenih naroda (u nastavku: UN ciljevi održivog
razvoja) te se ističe njihova povezanost s transformacijom tradicionalnih poslovnih modela.
Kroz komparaciju održivih modela naglašava se važnost integracije okolišnih i društvenih
komponenti u strategije poduzeća. Metodološki, rad se temelji na analizi sekundarnih izvora,
znanstvene i stručne literature, te empirijskoj studiji slučaja dvaju hrvatskih poduzeća – INA
d.d. i Zagrebačka banka d.d. – iz energetskog i financijskog sektora. Rezultati pokazuju da
poduzeća koja dosljedno primjenjuju održive prakse ne samo da poboljšavaju tržišnu poziciju
i reputaciju, već ostvaruju veću otpornost na regulatorne, reputacijske i operativne rizike.
Poseban naglasak stavljen je na važnost usklađivanja poslovnih modela s UN ciljevima
održivog razvoja kao strateškog okvira koji omogućuje dugoročnu održivost i pristup novim
tržištima i financijskim resursima. Rad također ukazuje na ključnu ulogu inovacija,
transparentnog izvještavanja i suradnje svih dionika u učinkovitoj primjeni održivih praksi.
Identificirani su i izazovi, poput pravne neujednačenosti i rizika „greenwashinga“, koji mogu
umanjiti učinak održivih inicijativa. U kontekstu malih i srednjih poduzeća, prikazani su
primjeri koji pokazuju kako održivost može biti alat za diferencijaciju na tržištu. Također se
analizira utjecaj europskih regulativa poput CSRD (Corporate Sustainability Reporting
Directive) i SFDR (Sustainable Finance Disclosure Regulation) direktiva na prilagodbu
poslovanja u skladu s načelima održivosti. Uloga menadžmenta i obrazovanja o održivosti
istaknuta je kao ključan preduvjet za uspješnu transformaciju poslovnih modela. Zaključno,
rad potvrđuje da je održivi poslovni model ne samo etički i ekološki odgovoran pristup, već i
strateška potreba za osiguranje konkurentnosti i održivog razvoja u 21. stoljeću.Sustainable business models are increasingly becoming the foundation of long-term
competitiveness and resilience for companies operating in a global environment marked by
climate, social, and economic challenges. This graduate thesis explores both the theoretical and
practical aspects of sustainable business models with the aim of examining their role in
achieving a balance between profitability, social responsibility, and environmental protection.
The paper defines the origin and historical development of the concept of sustainability,
analyzes the UN Sustainable Development Goals (SDGs), and highlights their connection to
the transformation of traditional business models. Through the comparison of sustainable
models, the importance of integrating environmental and social components into corporate
strategies is emphasized. Methodologically, the thesis is based on the analysis of secondary
data, scientific and professional literature, and an empirical case study of two Croatian
companies – INA d.d. and Zagrebačka banka d.d. – from the energy and financial sectors. The
results show that companies that consistently implement sustainable practices not only improve
their market position and reputation but also achieve greater resilience to regulatory,
reputational, and operational risks. Particular emphasis is placed on the importance of aligning
business models with the UN SDGs as a strategic framework that enables long-term
sustainability and access to new markets and financial resources. The paper also points to the
critical role of innovation, transparent reporting, and stakeholder collaboration in the effective
implementation of sustainable practices. Challenges such as legal inconsistencies and the risk
of “greenwashing” are also identified, as they can diminish the impact of sustainable initiatives.
In the context of small and medium-sized enterprises, examples are presented that demonstrate
how sustainability can serve as a tool for market differentiation. The impact of European
regulations such as the CSRD (Corporate Sustainability Reporting Directive) and SFDR
(Sustainable Finance Disclosure Regulation) directives on business adaptation in line with
sustainability principles is also analyzed. The role of management and sustainability education
is emphasized as a key prerequisite for the successful transformation of business models. In
conclusion, the thesis confirms that a sustainable business model is not only an ethical and
environmentally responsible approach, but also a strategic necessity for ensuring
competitiveness and sustainable development in the 21st century
Protection coordination of the 10(20) kV grid connection of a biomass power plant with variable self-consumption
No full textU ovom radu analizirana je elektrana na biomasu maksimalne izlazne djelatne snage
4,6 MW. Izrađena je koordinacija zaštite priključka elektrane te okolne distribucijske mreže kojoj se
mijenjaju postavke zaštite zbog utjecaja elektrane. Teorijski su pojašnjeni načini detekcije različitih vrsta
kvarova u mreži (kratki spoj, zemljospoj) te načini detekcije otočnog pogona. S pomoću parametara
elektrane i razmatrane distribucijske mreže (transformatori, vodovi, opterećenja), u programskom
paketu DIgSILENT PowerFactory 22 izrađen je simulacijski model. U simulacijskom modelu analiziraju se
kratki spojevi gdje se dolazi do spoznaje o smjerovima te iznosima struja kratkog spoja. Analizom
rezultata kratkih spojeva dolazi se do predloženih vrijednosti relejne zaštite koje moraju biti selektivno
podešene. Kako bi se utvrdila ispravnost predloženih podešenja relejne zaštite, simuliraju se kvarovi na
karakterističnim lokacijama uz prikaz tijeka promjene vrijednosti struja kratkog spoja i napona. Također,
prikazane su I-t krivulje kako bi se mogla dokazati selektivnost relejne zaštite. Osim zaštite od kratkih
spojeva, predložena je i zaštita elektrane od otočnog pogona, kojoj je također analizirano djelovanje.This paper analyzes the protection of the biomass power plant, with a rated active power of
4,6 MW. A protection coordination was conducted for the power plant connection and the surrounding
distribution network, whose protection settings are influenced by the power plant’s integration.
Theoretical explanations are provided for the detection methods of various types of faults in the
network (short circuit, ground fault), as well as for islanding detection methods. Using the parameters of
the power plant, along with those of the distribution network (transformers, lines, and loads), a
simulation model was created in the DIgSILENT PowerFactory 22 software package. The model was used
to perform short-circuit analyses, which provided insights into the direction and magnitude of fault
currents. Based on the results, relay protection settings were defined, with an emphasis on selective
coordination. To verify the correctness of these proposed relay protection settings, faults were
simulated at characteristic locations, with a detailed display of the time-dependent value of fault
currents and voltages. I-t characteristic curves were also presented to confirm the selectivity of the relay
protection system. In addition to short-circuit protection, anti-islanding protection for the power plant
was proposed and its operation analyzed
Impact of disruptive business models on the market : Graduate paper
No full textOvaj diplomski rad istražuje utjecaj disruptivnih poslovnih modela na tržište kroz teorijsku i
praktičnu analizu. U radu se razmatra pojam disrupcije, njezine karakteristike i mehanizmi
kroz koje novi tržišni igrači mijenjaju postojeće obrasce poslovanja. U praktičnom dijelu rada
analizirani su slučajevi Ubera, Netflixa i Tesle kao predstavnika disruptivnih modela u
različitim industrijama. Rad pokazuje da disruptori često ostvaruju brz tržišni prodor, unatoč
početnoj neprofitabilnosti i otporu tradicionalnih aktera. Istraženi primjeri potvrđuju važnost
inovacije, superiornog korisničkog iskustva i brzine prilagodbe kao ključnih čimbenika
uspjeha. Zaključno, disruptivni poslovni modeli imaju dubok i trajan učinak na tržište,
potičući konkurenciju, promjene i razvoj.his thesis explores the impact of disruptive business models on the market through both
theoretical and practical analysis. It examines the concept of disruption, its defining
characteristics, and the mechanisms through which new market players alter existing business
patterns. The practical part of the thesis analyzes the cases of Uber, Netflix, and Tesla as
representative examples of disruptive models across different industries. The findings show
that disruptors often achieve rapid market penetration despite initial unprofitability and
resistance from incumbent actors. The analyzed examples confirm the importance of
innovation, superior user experience, and adaptability as key success factors. In conclusion,
disruptive business models exert a profound and lasting influence on the market by driving
competition, transformation, and progress