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  CONTEMPORARY DETERMINANTS OF CUSTOMER SERVICE IN THE INSURANCE SECTOR

  : Over the past decade, the insurance industry has undergone significant transformations driven by the rapid development of digital technologies and the evolving market behavior of consumers. Omnichannel service, CRM systems, and artificial intelligence are setting new standards for customer experience. Based on the conceptual framework of ... : Over the past decade, the insurance industry has undergone significant transformations driven by the rapid development of digital technologies and the evolving market behavior of consumers. Omnichannel service, CRM systems, and artificial intelligence are setting new standards for customer experience. Based on the conceptual framework of customer service in insurance, the present study provides a comparative analysis of approaches to its examination and an overview of the global and national determinants and conditions shaping its modern profile. The main objective is to systematize key trends, challenges, and opportunities for innovation as pathways to improving interaction between insurers and their clients. The emphasis is placed on the need to combine technological solutions with a personalized approach to meet the growing expectations of contemporary consumers.

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  AUDIT SAMPLING � A TOOL TO BALANCE AUDIT PRECISION AND COST

  The ongoing global economic crisis presents new challenges for the auditing profession, as audit clients are increasingly exposed to financial instability and a heightened risk of bankruptcy. In response, auditors must enhance their application of professional scepticism and ensure the collection of sufficient and appropriate audit evidence. A key ... The ongoing global economic crisis presents new challenges for the auditing profession, as audit clients are increasingly exposed to financial instability and a heightened risk of bankruptcy. In response, auditors must enhance their application of professional scepticism and ensure the collection of sufficient and appropriate audit evidence. A key approach to achieving this is using audit sampling � employing both statistical and non-statistical methods. When applied in a complementary manner, these techniques can significantly improve audit quality, reduce subjectivity in auditor judgment, and contribute to the formulation of more reliable and objective audit opinions.

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  ERADICATING CORRUPTION THROUGH E-GOVERNMENT

  Corruption is one of the most complex and enduring problems faced by modern societies, negatively affecting the functioning of governments, the economy and society as a whole. Corruption is not limited to financial irregularities, but extends to abuses of power, violation of laws and public interest, and poor provision of services to citizens. The ... Corruption is one of the most complex and enduring problems faced by modern societies, negatively affecting the functioning of governments, the economy and society as a whole. Corruption is not limited to financial irregularities, but extends to abuses of power, violation of laws and public interest, and poor provision of services to citizens. The consequences of corruption are many and include a decrease in citizens' trust in institutions, the worsening of social inequality, but also the delay in the development of societies. However, technological progress and the development of information and communication technologies (ICT) offer new possibilities to combat this scourge. In particular, the implementation of e-Government at government level aims to enhance transparency, improve the efficiency of public services and promote citizens' participation in the political process. Through e-government, state procedures become more transparent, documents and transactions are digitised, thus reducing the likelihood of corruption by making it easier for competent bodies and citizens to monitor and control. This creates a healthier and more reliable environment for the performance of public sector tasks and enhances intergovernmental credibility.