“…The widespread use of information technology has resulted in intense business digitisation and the development of the digital economy (Milošević et al, 2018). Progressive digital technologies significantly influence social and cultural changes, primarily through the accelerated, flexible, and simplified use of information (Grčić Fabić, 2022). The development of Web 2.0 has spurred CF and its popularity, followed by the consequent development of online CF platforms, which made it simpler, more profitable, more visible, and more attractive to investors (Bruton et al, 2015).…”