Varazdin Development and Entrepreneurship Agency and University North in cooperation with Faculty of Management University of Warsaw Faculty of Law, Economics and Social Sciences Sale - Mohammed V University in Rabat Economic and Social Development 72 nd International Scientific Conference on Economic and Social Development Development – "Digital Transformation and Business" Book of Proceedings Editors: Irena Zavrl, Dijana Vukovic, Ljerka Cerovic Varazdin, 30 September – 01 October, 2021