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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 IoT, JSON, AngularJS, NodeJS, E-Business, REST. Organizational Justice, Career Performance, Employees' satisfaction RD&I strategies, areas of smart specialisation, the national R&D system active policies bio economy, entrepreneurial ecosystems ,universities, knowledge transfer, clusters, smart specialization, communities of practice competition, cartel, detectionempirical screens. control, controlling, auditing, concept, human capital education and training activities ex-ante assessment healthcare services consumption, social networks, consumer behaviour human behavior, human choice, internal control, accounting information, bureaucracy labor market labour market, in-work poverty logic query, propositional logic, predicate, relational database perception, quality, technical higher education, teachers rural area social impact

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