Maturity Ticker|SRB Banking & Finance +2.4% ↑|HRV Manufacturing +1.8% ↑|MNE Gov & Digital +0.9% ↑|BIH Insurance +1.2% ↑|ALB Healthcare -0.3% ↓|MKD Education +3.1% ↑
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Startups & Innovation

Startup ecosystem and innovation: venture funding, tech exits, entrepreneurship, incubators, accelerators, and breakthrough digital solutions emerging from the Western Balkans.

Maturity Ticker

Real-time digital shifts

SRB

Banking & Finance

Serbia

+2.4%
HRV

Manufacturing & Industry 4.0

Croatia

+1.8%
MNE

Government & Digital Services

Montenegro

+0.9%
BIH

Insurance & Risk Management

Bosnia & Herzegovina

+1.2%
ALB

Healthcare & Digital Health

Albania

-0.3%
MKD

Education & Digital Skills

North Macedonia

+3.1%
SLO

Telecom & Infrastructure

Slovenia

+1.5%

Q1 2026 · Digital Maturity Index

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