Anita MačekORCID icon for 0000-0003-3966-8721

FH Joanneum, University of Applied Sciences Graz, Austria

Dr. Anita Maček is a Senior Lecturer at the Institute of Banking and Insurance Industry, FH JOANNEUM (Graz), and a Professor of Economics at the DOBA Faculty (Maribor). Since 2009, she has served on the Management Board of the Union of Economists of Slovenia. Her consulting and research span innovation management, business process optimization, and strategy implementation across EU‑funded projects, with a current focus on financial literacy and inclusion. She has authored books and peer‑reviewed articles in economics and international economics and leads international collaborations between academia and industry.

Anita Maček

3books edited

6chapters authored

Latest work with IntechOpen by Anita Maček

Banking stands at a crossroads shaped by rapid innovation, regulatory pressure, and society’s demand for inclusion and sustainability. The Future of Banking - Innovation, Risk and Inclusion maps this terrain with contributions that connect strategy to execution, showing how technology, governance, and prudence can move in step. The book explains where value is migrating, from AI-driven services and customer-experience analytics to data-sharing platforms, while clarifying what it takes to scale safely. It covers open banking, wallets, and bank–fintech collaboration; the “engine room” of risk and capital (creditworthiness under EBA LOM, AI‑enabled credit scoring, CCR backtesting, and operational risk across developed and emerging markets); and the foundations of trust in governance, ethics, and faith‑based models. Practical levers for inclusion are highlighted through evidence on mobile payments for Generation Z, MSME, and women‑focused credit, and rural fintech delivery, while climate‑related disclosures and green finance complete a roadmap for resilient, responsible banking. Designed for academics, supervisors, and industry leaders, the book provides a clear comparative view of what works, where it falls short, and how to transition from pilots to enterprise adoption, without compromising stability, client responsibility, and measurable impact.

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