"The Electronic Payment System as an e-commerce enabler: The Macedonian perspective", Research paper presented at International Conference in Tirana, Albania, December 12, 2008. Published in:
http://mpra.ub.uni-muenchen.de/13994/1/MPRA_paper_13996.pdf
"Electronic Payment Instruments use, as perceived by consumers in Macedonia", Research paper presented at International Conference at the Department of Management of University of Tirana, Albania, March 2009. Published in: