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The financial sector is one of the fastest growing and changing sectors in the world. Financial institutions manage funds, invest or manage assets and shares, provide leasing services and loans, manage loan offices and provide financial advice. Almost all people come into contact with financial institutions, for example by using a current account, depositing money or collecting a pension, applying for a bank loan to buy a home, a car, etc. Statistics on credit institutions, payment and settlement systems, savings and loan associations and leasing enterprises are collected and published by

Birth statistics are analysed to get an idea of the possibilities and problems facing future generations. Fertility rates also have a major impact on the education system and on the labour market and social services offered. The study of birth trends gives valuable insight for improving health and family policies. This enables us to shape a future where the society can meet people’s needs as well as possible, thereby ensuring sustainable development. The statistics on births focus on families and provide information, such as how many children were in a family when a new child was born; where

Innovation refers to the launch of a new or significantly improved product or service or the introduction of a new business process. The aim of innovation is to create value and gain a competitive advantage, which will benefit the enterprise’s development and increase productivity, simultaneously contributing to economic growth. Product or process innovation can involve the application of new technological solutions, a new combination of existing technologies or the application of the knowledge available to the enterprise. However, innovation may not always result in the launch of a new