In the context of current crises following COVID-19 and growing global economic uncertainties, the issues regarding financial transactions with FINTECH are increasingly apparent. Consequently, in our opinion, the utilization of FINTECH financial transactions leads to а risk-reduction approach when in contact with other people. Moreover, financial transactions with FINTECH can save up customers’ pecuniary funds. Therefore, during crises, FINTECH applications can be perceived as more competitive than the traditional banking system. All the above have provoked us to conduct research related to the utilization of financial transactions with FINTECH before and after the COVID-19 crisis outbreak. The aim of the article is to present a survey analysis of FINTECH utilization of individual customers before and after the crisis in Bulgaria. The methodology includes a questionnaire survey of 242 individual respondents. For the data processing, we implemented statistical measures and quantitative methods, including two-sample paired t-tests, Levene’s test, and ANOVAs performed through the computer language Python in a web-based interactive computing environment for creating documents, Jupyter Notebook. The findings bring out the main issues related to the implementation of financial transactions with FINTECH under the conditions of the crisis. The findings include the identification of problems related to FINTECH transactions during the COVID-19 crisis in Bulgaria.

Although that today most people reside in cities, megacities, megapolises or urban agglomerations, they are striving to experience nature more often and in a significantly ways following new forms of tourism. Sustainable going back to nature is one of them and it allows inhabitants of both cities and countryside to find more differentiated ways to be on their own and recharge spirit and soul. A tent in nature is a favourite vacation imagination for many Americans and Western Europeans. Innovations in this type of recreational activities are exciting push stimulus for the experienced and future camping fans. Being still a neologism for the linguists, glamping is not any longer an unknown term for the tourism practice and the admirers of nature and well-being know it. Being a new kind of luxury campsite and having revived the old-fashioned camping life means attracting newcomers especially those who get tired due to the long coronavirus outbreaks and those who desire to give rise to this fresh tourism trend. Glamping is also a kind of a boutique camping living. It is a trend that brings together the comfort of a hotel combined with nature and freedom of camping. The contemporary facilities can go far beyond most usual tents of campers combining new with old experiences. Thus, the purpose of this article is to reveal the potential of glamping in the scope of active life and well-being tourism, whereby a snapshot observation technique has been applied.

Corruption as a phenomenon can be found in every country and society. It accompanies human development from antiquity to the present day. The main perceptions of corruption is that it is an undesirable phenomenon which negatively affects society, contributes to the imbalance in the distribution of public goods and adversely affects the economy and society`s confidence in state governance and state`s institutions efficiency. Modern economy is permanently evolving and becoming more interdependent, especially in the age of globalization nevertheless corruption phenomenon still has influence despite the continual strategies for its limitation. Anti-corruption legislation at global, regional and national level is constantly developing and irrespective of the different legal systems and different anti-corruption strategies, it remains a constant in society`s life and influences their growth. At least that is what the first studies results on corruption impact on countries` economies development in the 1960s 1970s of the 20th century have demonstrated. The aim of this research is to assess the corruption impact on the Bulgarian economy, reflecting the contemporary reality in which the Bulgarian business develops its activities. The main research method is the method of the response and for the procession of the information are used statistical methods method of observation, method of the group, method of the analysis and graphic method. The analysis and conclusions on the problem are based on a data survey, where representatives of the business enterprises from South-West region had an opportunity to answer questions, aimed at revealing the most common corruption practices and how they affect their normal business activity.

Nowadays, the topic of corruption is extremely relevant, not only in terms of clarifying its nature and appearance, but also in terms of its impact on business development. Corruption as a phenomenon goes through constant changes from the past to the present. Its growing significance from a resource redistribution tool to a regulator of social mechanisms, plays the role of a risk factor for the economic development of each country. In this context, the role of corruption is crucial for the business. Its importance in the economic and business climate, on one hand limits the input of foreign capital investment and on other hand slows the development of the companies, leading to an incorrect redistribution of their assets. As a result, there are significant losses for the business, as well as there is a disturbance of the economic cycle of the country. At the same time, business is an area predisposed to corruption. There are numerous possibilities for committing crimes and unethical behavior in this area. It is therefore necessary to analyze the impact of corruption on business development. In this regard, the aim of this report is to make a comparative analysis of the impact of corruption on the business in Bulgaria and Romania.

Research background: In the context of globalization and the increasingly competitive environment, customer loyalty plays an important role in the long-term success of small and medium-sized enterprises. Research by various authors has shown that loyalty is an important customer-oriented marketing tool and is directly dependent on customer satisfaction. Customer loyalty is highly influenced by the quality of the products, the applied price strategy and the good communication between enterprises and customers. Loyalty is the main aim of strategic enterprises marketing planning and is the key to retaining customers. The adoption and application of the loyalty approach in enterprises activity is a prerequisite for increase the trend of customers towards more frequent products consumption and enlarge their desire for more purchases. In connection with solving the problem of customer loyalty, researchers focus on its influencing factors and highlight as most important the following: satisfaction, trust, commitment, customer value and service quality. Purpose of the article: This report clarifies the peculiarities of customer loyalty and based on an analysis of the factors influencing it brings out the main problems of small and medium-sized enterprises in the field of trade in Bulgaria. Methods: The sources that were used include a questionnaire survey of 64 enterprises. The analysis and evaluation are based on statistical methods. Findings & Value added: The findings include identification of problems, related to the customer loyalty in small and medium-sized enterprises in the field of trade in Bulgaria. The study can be used as a model for analysis of customer loyalty in the trade sector.