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Keywords Financial Crisis, Balance Sheets, Financial Analysis Fourth Industrial Revolution, digital, physical and biological technologies ICT, SMEs, discount, network business environment Intellectual property protection, Patent Cooperation Treaty, KOF Index of Globalization, panel data Organizational Justice, Career Performance, Employees' satisfaction Post Modernism, Identity, Cultural Values, Social Appearance Anxiety, Consumption. Romanian banking system, Icelandic banking system, global financial crisis, Romania, Iceland Social partnership, social transformation, social enterprise, environment, impact Sustainable Development adapt2jobs, market research, market requirements on human resources, university curriculum control, controlling, auditing, concept, human capital eco-bio-economy, one-health, ecotourism, organic products, education ex-ante assessment healthcare services consumption, social networks, consumer behaviour human behavior, human choice, informatics systems, information technology, company management, audit system internal control, accounting information, bureaucracy knowledge management, intangible assets, intellectual capital, intellectual property, structural capital, customer capital logic query, propositional logic, predicate, relational database pension systems, ageing, financial sustainability public diplomacy, contemporary diplomacy, soft power, public policy, intergovernmental relations, advocacy

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