Katerina Fotova Čiković, MBA, PhD, is an Assistant Professor at the University North in Croatia. She holds a PhD in Economics and has a strong academic and professional background in finance, banking, and marketing. She has authored over 100 scientific papers, received multiple awards, and actively participates in international
conferences. She speaks Macedonian, English, and German fluently. Her primary areas of academic and research interest include Finance, Banking, Marketing, Digital Marketing,
Branding, and Mathematical Programming (specifically DEA -Data Envelopment Analysis). She has received several prestigious awards for her academic and scientific contributions, including Best Paper Awards at international conferences (EMAN 2021, ToSEE 2023, ISCBE 2025) and a Teaching Excellence Award for the 2022/2023 academic year.