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4. Policy-induced welfare losses from limited decumulation options : the case of Slovenia’s DC pensionsDino Šterpin, Suzana Laporšek, Boštjan Vovk, 2026, original scientific article Abstract: This study examines restricted decumulation options for retirees with Defined Contribution (DC) in Slovenia and shows how these constraints create an implicit tax on accumulated assets. Using the Money’s Worth framework, we find that Slovenian annuities offer lower value than comparable products in advanced markets. We develop a utility-based model with loss aversion to quantify welfare losses across eight retiree types, differing in loss aversion, bequest motive, replacement rate, and time preference. Seven out of eight retiree types achieve higher utility under currently unavailable strategies. We introduce the Implicit Tax on DC Assets to capture the opportunity cost of restricted product availability.
Keywords: decumulation strategies, defined contribution pensions, loss-aversion utility, money’s-worth ratio, Slovenia, utility-equivalent wealth
Published in RUP: 20.04.2026; Views: 306; Downloads: 12
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7. Application of artificial intelligence in e-commerce : master's thesisMarko Pejić, 2025, master's thesis Keywords: artificial intelligence, E-commerce, customer experience, personalization, operational efficiency, recommender systems, chatbots, AI integration, business challenges
Published in RUP: 15.04.2026; Views: 270; Downloads: 24
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8. Enhancing knowledge and technology transfer : determinants and indicators of successful university–industry collaborationJana Hojnik, Štefan Bojnec, Simona Kustec, Vaida Zemlickienė, Zenonas Turskis, 2026, review article Abstract: Both universities and companies create value and innovation to maintain their position and remain competitive. Different, but still similar, with two goals that are shared. With their collaboration, they can enhance their pursuit of sustainability and as well corporate social responsibility by creating and delivering value and thus contributing to the well-being of society. This paper thus examines the determinants and indicators of successful university–industry collaboration (UIC) in the context of knowledge and technology transfer. The purpose of the research is to identify key factors that drive effective UIC and to establish measurable indicators for evaluating the performance of this collaboration. The paper aimed to understand not only what drives UIC but also how to measure its effectiveness. So, an exploratory, theory-building approach, adopting a systematic literature review is applied. By focusing on the determinants and measurable outputs of UIC, the paper provides insights into the strategic importance of measuring knowledge and technology transfer for a wide range of stakeholders involved in it. UIC for universities is a part of their third mission and their CSR, while with respect for companies, UIC is a result of practicing open innovation and pursuing corporate social responsibility. While consolidating these dimensions, the study also develops a holistic input–output indicator framework that not only clarifies how collaboration is initiated and structured but also how it can be evaluated in practice.
Keywords: corporate social responsibility, indicators, innovation policy, knowledge and technology transfer, sustainability, technology transfer office (TTO), university–industry collaboration (UIC)
Published in RUP: 13.04.2026; Views: 294; Downloads: 9
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9. Do agri-environmental schemes reduce farm greenhouse gas emissions? : evidence from SloveniaŠtefan Bojnec, Imre Fertő, 2026, original scientific article Abstract: Reducing greenhouse gas (GHG) emissions from agriculture is a key objective of the European Union's Green Deal and is among considerations of the Common Agricultural Policy (CAP). Agri-environmental schemes (AES) are the main CAP instruments to promote more sustainable farming, yet their short-term climate effectiveness remains uncertain. This study provides the first farm-level evidence for Slovenia on whether AES participation reduces GHG emission intensity and whether effects differ across production systems. Using a balanced panel of 227 farms from the Farm Accountancy Data Network (2014–2021), we estimate dynamic treatment effects of AES adoption on net carbon dioxide-equivalent emissions per hectare, applying modern difference-in-differences (DiD) estimators for staggered adoption and extensive robustness checks, including alternative estimators, placebo tests, and dynamic conditioning. Results show that AES adopters had higher pre-adoption emission intensity, consistent with targeted uptake by higher-emission farms. However, estimated reductions in emission intensity during the first one to two years after adoption are small, statistically insignificant, and robust across specifications. These findings suggest that broad, practice-based AES may not deliver immediate, measurable climate benefits at the farm level, either because effects take longer to materialize or because current schemes are insufficiently targeted to high-emission sources. Policies that combine more precise targeting, climate-specific measures, and long-term monitoring may be needed to unlock the full climate mitigation potential of AES.
Keywords: agri-environmental schemes, greenhouse gas emissions, difference-in-differences, agricultural policy evaluation, Slovenia
Published in RUP: 13.04.2026; Views: 262; Downloads: 10
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