The outbreak of COVID-19 brought many negative effects in different regions and economic areas. However, the hotel industry suffered the most adverse effects due to restrictions and measures imposed by countries. Hence, hotels took substantial hit on their financial performance and efficiency. The adverse impact was not same for all hotels across the globe. The extent to which they will record worsening financial performance depends on the implemented governmental measures and actions taken by the hotels. Assessment of changes in revenues, expenses and expense to revenues ratio shows the magnitude of the impact induced by the pandemic. The findings suggest that most hotels have suffered a substantial loss in revenues and significant increase in expense to revenues ratio.

У н и в е р з и т е т " Г о ц е Д е л ч е в " -Ш т и п Ф а к у л т е т з а т у р и з а м и б и з н и с л о г и с т и к а G o c e D e l c h e v U n i v e r s i t y S h t i p F a c u l t y o f T o u r i s m a n d B u s i n e s s L o g i s t i c s

Hotels have a variety of pricing methods at their disposal when defining adequate pricing strategy. Nevertheless, irrespective of the complexity and the manner in which room prices are calculated all methods are based on certain factors which have an influence on the final room rate. Accordingly, the perception regarding the impact of each factor along with the expected value provided to the customer will cause for hotels to charge different prices. The prices offered on Booking.com for hotels falling in different categories allow examination of the potential price differences among five, four, three and two stars hotels in multiple cities in Europe. The findings suggest that even though two hotels may belong to the same category, their prices may differ few hundreds of per cents which implies that the level of value offered to guests can vary significantly.

Euroisation is a problem with a long history and usually persistent phenomena. The high level of euroisation is common in

Neobanks have managed to disturb the comfort of traditional banks in the market for financial products and services. The new digital-only banks are considered to be a serious competitor to the traditional, brick-and-mortar delivery of services. Nevertheless, aside from the swift growth, the sustainability and future growth of the neobanks' business models are yet to be determined. Accordingly, there is a need to identify some of the most important factors that will have a significant impact on the neobanks' ability to sustain their business operations.