It is well known the fact that in a highly competitive market as the European one, innovation is the driving force for … economic competitiveness. Statistical data shows large gaps between Romania and EU in the rates of innovation, but the …. Innovation is essentially a result for which research can be one source, along with other factors such as experience …

and knowledge providing opportunities for innovation, if they are seen and valued. In this world, which increasingly …

The importance of innovation was long underestimated in service activities. In contrast to the radical innovations …

electronic banking services and the importance of the creativity and innovation of banking services. The success factors in …