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https://doi.org/10.4467/23539496IB.13.018.2654Słowa kluczowe: international trade, value added, fragmentation, developing countries, China, video games, online games, mobile games, internet, barriers of entry, EU structural funds, cohesion policy, region, lodz region, air transport, globalization, liberalization, tourism, container transport, maritime container markets, freight rates and indices, people management function, personnel management (PM), human resource management (HRM), human capital management (HCM), human potential management (HPM), talent management, local government, elderly, ICT, e-services, digital society, working time, weekly working hours, work-life balance, working time preferences, working time arrangements, unpaid work, postindustrial era, informatisation, changes, immaterial labour, burnt-out syndrome, banking union, Basel III, CRD IV/CRR, financial supervision, SME (small and medium enterprises), banking services, retail customers, behavioral finance, portfolio choice, banking channels, credit scoring, risk management, credit portfolio, urban development, knowledge-based economy, clusters, innovation, entrepreneurship