1. Neobanks’ footprint on the transformative path of the Austrian and the Slovenian banking MarketChristian Cech, Martin Wirth, Timotej Jagrič, Vita Jagrič, 2025, izvirni znanstveni članek Opis: The digital transformation in banking, which is supported by the European regulatory framework, has enabled new business models for banking. One example of these changes is the emergence of neobanks. We examine the presence of neobanks in two national markets, Austria and Slovenia. Despite the geographical proximity and rich history of banking integration between the two markets, our findings reveal significant differences in this perspective between the two markets. In the analytical part, we use available indirect and descriptive data. We have identified two historical periods. In the first, domestic neobanks appeared. Unlike in Austria, where there is a rich history of domestic neobanks, there were none in Slovenia. In the second identified period, the most propulsive European neobanks are similarly active in both markets, which increases competition in the banking markets. In the future, the neobanks could contribute to the increase in the mobility of deposits outside the national banking markets.
Ključne besede: neobanks, digital-only banks, cross-border banking, digital transformation
Objavljeno v DKUM: 02.06.2025; Ogledov: 0; Prenosov: 2
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2. The effect of biochar applied alone and in combination with mineral and organic fertilisers on the yield of white cabbage and soil propertiesManfred Jakop, Nataša Belšak Šel, Erik Rihter, Tjaša Cenčič, Dušan Klinar, Denis Stajnko, Silva Grobelnik Mlakar, 2023, izvirni znanstveni članek Opis: The study aimed to investigate the effectiveness of biochar application on fertile soils in a temperate climate during the first year of application. The field trial was conducted on a nutrient-rich silt loam soil at two experimental sites in north-eastern Slovenia (Biš and Skorba). The effect of biochar applied alone or in combination with compost or mineral fertiliser on soil properties and yield of white cabbage was studied. In addition to the control (C), the soil received five treatments including biochar (B; 1.5 t/ha), compost (CO; 1.5 t/ha), biochar-mixed compost (BCO; 3.0 t/ha), standard mineral fertilisers (NPK; NPK 0.35 t/ha, potassium sulphate 0.25 t/ha and calcium ammonium nitrate 0.25 t/ha) and combined application of half the amount
of NPK and BCO (NPK+BCO). The results showed that the applied treatments had no significant influence on the measured soil chemical parameters, except for the amount of total organic carbon, electrical conductivity and pH in Biš and total carbon in Skorba. All investigated parameters (cabbage head weight, head circumference, total and market yield) were higher at the experimental site Skorba. Statistically significant differences were found only at the experimental site Biš, where the treatment influenced all parameters (p < 0.01), except for the head circumference of the cabbage. The NPK and NPK+BCO treatments produced significantly higher total yields (66.7 t/ha and 65.8 t/ha, respectively) and marketable yields (53.2 t/ha and 51.8 t/ha, respectively) compared to the other treatments (41.3-52.6 t/ha and 30.5-42.4 t/ha, respectively). Although the differences between the other treatments were insignificant, a trend of decreasing cabbage yields towards CO > BCO > B was observed. Similar results were also obtained when analysing the average data of the two experimental sites.
Ključne besede: biochar, soil amendments, fertilisers, soil chemical properties, cabbage yield
Objavljeno v DKUM: 23.04.2025; Ogledov: 0; Prenosov: 0
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3. Vpliv različnih svetil na vsebnost glukozinolatov pri tankolistnem dvoredcu (Diplotaxis tenuifolia (L.) DC.) in navadni rukoli (Eruca sativa Mill.) pri gojenju v zaprtem prostoru : Magistrsko deloMarko Gomboc, magistrsko delo Opis: V tej študiji so bili preučeni rast in profili glukozinolatov (GSL) pri navadni rukoli Eruca sativa (Mill.) in tankolistnem dvoredcu Diplotaxis tenuifolia (L.) DC. Med 30-dnevnim obdobjem rasti pod različnimi svetlobnimi pogoji; T5 z maksimalno valovno dolžino 545 nm, LED1 z maksimalno valovno dolžino 631 nm in LED2 z maksimalno valovno dolžino 598 nm. Največji prirast suhe snovi (SS) je bil izmerjen pri E. sativa pod T5 (0,657 g SS/rastlino) in najmanjši pri D. tenuifolia pod LED1 (0,080 g SS/rastlino). Vsebnost GSL se je bistveno razlikovala, ne glede na svetilo, vendar je bila povezana z genotipom (E. sativa, r = 0,802**). Povprečno največja količina 4-metilsulfonilbutil-GSL (glukosativin) (7,3248 mg/g SS) je bila določena pri E. sativa in D. tenuifolia (6,7428 mg/g SS) pod T5. Regresijska analiza med različnimi valovnimi dolžinami svetlobe, ki so jo oddajala posamezna svetila in glukozinolati, se je pokazala med fotosintetskim aktivnim sevanjem (PPFD_B) in 4-metiltiobutil-GSL (glukoerucin) pri E. sativa (r = 0,698*) in D. tenuifolia (r = 0,693*), kar kaže na vpliv svetlobe na odziv rastlin na inducirani stres in spremembe v biosintezi GSL.
Ključne besede: umetna svetloba, led svetloba, glukozinolati, rukola, zaprti prostor
Objavljeno v DKUM: 17.01.2025; Ogledov: 0; Prenosov: 17
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4. Computational modeling of natural convection in nanofluid-saturated porous media: an investigation into heat transfer phenomena : Janja Kramer Stajnko ... [et al.]Janja Kramer Stajnko, Jure Ravnik, Renata Jecl, Matjaž P. Nekrep, 2024, izvirni znanstveni članek Opis: A numerical study was carried out to analyze the phenomenon of natural convection in a porous medium saturated with nanofluid. In the study, the boundary element method was used for computational modeling. The fluid flow through a porous matrix is described using the Darcy– Brinkman–Forchheimer momentum equation. In addition, a mathematical model for nanofluids was used, which follows a single-phase approach and assumes that the nanoparticles within a fluid can be treated as an independent fluid with effective properties. A combination of single- and sub-domain boundary element methods was used to solve the relevant set of partial differential equations. The method was originally developed for pure flow scenarios, but also proves to be effective in the context of fluid flow through porous media. The results are calculated for the case of two- and three-dimensional square cavities. In addition to various values of dimensionless control parameters, including the porous Rayleigh number (Rap), Darcy number (Da), porosity (ϕ) and nanoparticle volume fractions (φ), the effects of the inclination angle of the cavity on the overall heat transfer (expressed by the Nusselt number (Nu)) and fluid flow characteristics were investigated. The results indicate a pronounced dependence of the overall heat transfer on the introduction of nanoparticles and inclination angle. The heat transfer in a two-dimensional cavity is increased for higher values of Darcy number in the conduction flow regime, while it is suppressed for lower values of Darcy number in the Darcy flow regime. In the case of a three-dimensional cavity, increasing the volume fraction of nanoparticles leads to a decrease in heat transfer, and furthermore, increasing the inclination angle of the cavity considerably weakens the buoyancy flow
Ključne besede: porous media, nanofluids, natural convection, boundary element method
Objavljeno v DKUM: 10.01.2025; Ogledov: 0; Prenosov: 13
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5. Odnos do podjetništva med mladimiJulija Stajnko, 2024, diplomsko delo Opis: V današnjem času, podjetništvo in podjetnost igrata ključno vlogo pri gospodarski rasti in ustvarjanju novih delovnih mest, še posebej med mladimi. Podjetništvo mladih je pomemben dejavnik za spodbujanje zaposlovanja, saj mladi podjetniki v gospodarski svet prinašajo inovacije in sveže ideje. Mladi se čedalje bolj odločajo za podjetniško pot, saj jim le-ta omogoča bolj fleksibilno obliko zaposlitve. Ko govorimo o podjetništvu mladih, se dotikamo tudi vključujočega podjetništva, ki poudarja enake možnosti za vse ne glede na socialno in ekonomsko ozadje ter spodbuja raznolikost v podjetniškem svetu. Odnos mladih do podjetništva in podjetnosti se skozi leta v Sloveniji izboljšuje v pozitivno smer, saj podjetništvo nasploh postaja vse bolj cenjeno. Gre za posledico prizadevanj politik in organizacij, ki ustvarjajo podporna okolja za razvoj mladih podjetnikov. V diplomskem delu smo predstavili teoretične vidike podjetništva, podjetnosti in podjetništva mladih na osnovi do sedaj zbranih podatkov iz raziskav, kot sta npr. raziskava Globalni podjetniški monitor in Mladina. V aplikativnem delu smo analizirali podatke raziskave Mladina 2020 in rezultate splošne populacije mladih v Sloveniji primerjali z rezultati raziskave izvedene med študenti Ekonomsko-poslovne fakultete. Rezultati so pokazali, da so študentje z znanjem ekonomskih in poslovnih ved bolj podjetni oz. nagnjeni k podjetnosti kot mladi v Sloveniji. V splošnem lahko trdimo, da so nasploh mladi v Sloveniji pripravljeni sprejeti tveganje, ki ga s seboj prinaša podjetniško življenje in imajo pozitiven odnos do podjetništva.
Ključne besede: Podjetništvo, podjetnost, podjetništvo mladih, odnos do podjetništva in podjetnosti med mladimi, vključujoče podjetništvo mladih
Objavljeno v DKUM: 21.10.2024; Ogledov: 0; Prenosov: 34
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6. Preverjanje pokritosti tal z uporabo dveh digitalnih orodij : diplomsko deloKristian Lipavšek, 2024, diplomsko delo Opis: Diplomska naloga opisuje preverjanje pokritosti tal z uporabo digitalnih orodij. Namen preverjanja pokritosti tal je, da s pomočjo sodobne tehnologije enostavneje kmetujemo. Digitalni orodji/aplikaciji SoilCover in Refarmo na podlagi zajetih fotografij s terena izračunata procentualno pokritost tal z ostanki posevkov, kamenjem in biomaso. Za lažje razumevanje sta programa opisana in praktično prikazana. Raziskava temelji na terenskih meritvah in statističnih analizah, ki so pokazale, da so določene obdelave tal optimalne za doseganje večje oziroma manjše pokritosti tal. Iz rezultatov lahko zaključimo, da je aplikacija SoilCover prikazala natančnejše podatke, saj so vsi podatki bili izračunani na 2 decimalni številki natančno in celotne fotografije točno določeno obarvane s predstavljeno barvo (kamenje, prst, ostanki rastlin in posevkov), v primerjavi s polavtomatskim izračunom pokritosti tal aplikacije Refarmo, na fotografiji označeni le z eno barvo in pomočjo človeške roke in znanja.
Ključne besede: pokritost tal, digitalna orodja, SoilCover, Refarmo
Objavljeno v DKUM: 04.09.2024; Ogledov: 40; Prenosov: 38
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7. Hidravlično modeliranje porečja reke Ledave na podlagi poplavnega vala : magistrsko deloGregor Šebök, 2024, magistrsko delo Opis: Magistrsko delo obravnava hidravlični model stalnega in nestalnega toka odseka reke Ledave s pripadajočimi pritoki in hidrotehničnimi objekti, izdelanega v programskem orodju za hidrološko-hidravlične analize HEC-RAS. Hidravlični model je oblikovan na podlagi terenskih podatkov LIDAR in geodetskih meritev na terenu. Opisana je hidravlična analiza stalnega toka ob pretoku n-letnih visokih voda in nestalnega toka na podlagi terenskih meritev propagacije poplavnega oziroma visokovodnega vala, kar je zaključeno z diskusijo. Namen magistrske naloge je opis izdelave hidravličnega modela v programskem orodju HEC-RAS s pomočjo obdelave različnih geodetskih podatkov ter razumevanje propagacije visokovodnih valov na terenu in v numeričnem modelu.
Ključne besede: hidrologija, hidravlična analiza, HEC-RAS, propagacija visokovodnega vala
Objavljeno v DKUM: 27.08.2024; Ogledov: 88; Prenosov: 60
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8. Genetska struktura in raznolikost nekaterih tradicionalnih genotipov sliv (Prunus domestica L., Prunus cerasifera Ehrh. in Prunus spinosa L.) : doktorska disertacijaTina Ternjak, 2024, doktorska disertacija Opis: Slovenia has a unique blend of climatic, soil, geographic and historical factors that fostered a rich tradition of plum cultivation and utilization. This study was set up to achieve following objectives: 1. assess the genetic diversity of 124 accessions of the three Prunus species (P. domestica L., P. cerasifera Ehrh., and P. spinosa L.); explore the possible contribution of P. cerasifera and P. spinosa to the ancestry of P. domestica; examine the genetic relationships and variability among the prevalent P. domestica material distributed in Slovenia. A combination of genetic markers, including 11 SSRs (UDP96-005, BPPCT034, EMPAS12, UCD-CH17, EMPAS06, EMPAS11, EMPAS14, BPPCT014, BPPCT025, CPSCT026 and CPPCT006) and three universal cpDNA markers (HK, K1K2 and VL), were chosen alongside flow cytometry. The analysis identified ten cpDNA haplotypes, which were grouped into three clusters using Unweighted Neighbor-Joining (NJ) analysis. All 11 SSR primer pairs exhibited polymorphism, revealing 116 unique genotypes and a total of 328 alleles, indicating considerable diversity with an average of 29.82 alleles per locus. Bayesian analysis distinguished two ancestral populations across all analyzed species. Principal Coordinate Analysis (PCoA) reflected the clustering observed in the Bayesian analysis. When analyzing individual set of P. domestica material, Bayesian analysis also distinguished two ancestral populations across, with PCoA confirming the results of Bayesian analysis. The NJ analysis categorized 71 P. domestica accessions into three clusters with numerous subgroups, reflecting a high genetic diversity. The majority of accessions aligned with traditional pomological groups, such as common prunes, mirabelle plums and greengages.
Genetic diversity parameters were analyzed for the 42 diploid P. cerasifera genotypes. A relatively high diversity levels were found, resulting in 135 alleles, with high average values for alleles per locus (10.38), effective number of alleles (Ne = 5.22), expected heterozygosity (He = 0.77), observed heterozygosity (Ho = 0.64) and PIC value (0.754). In addition, 32 private alleles were found in 20 accessions. Bayesian analysis of the P. cerasifera material revealed three ancestral populations, corroborated by Principal Coordinate Analysis, while an NJ analysis grouped the accessions into three clusters based on the origin of the accession. This study identified valuable local landraces within the P. domestica pool, including traditional prunes or Bluish plums, which are of great genetic interest. Furthermore, the integration of complementary methods facilitated the differentiation of the three species and provided insights into the origin of plum. The findings will be crucial in comprehending the diversity of Slovenian plum germplasm, improving conservation efforts, recovering local genotypes and enriching existing collections of plant genetic resources.
Ključne besede: Prunus spp., plum, genetic resources, genetic diversity, genetic structure, cpDNA, SSR
Objavljeno v DKUM: 24.07.2024; Ogledov: 160; Prenosov: 61
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9. Architecture of the health system as an enabler of better wellbeingTimotej Jagrič, Štefan Bojnec, Christine Elisabeth Brown, Vita Jagrič, 2023, izvirni znanstveni članek Opis: ntroduction: Health systems worldwide have heterogenous capacities and financing characteristics. No clear empirical evidence is available on the possible outcomes of these characteristics for population wellbeing.
Aim: The study aims to provide empirical insight into health policy alternatives to support the development of health system architecture to improve population wellbeing.
Method and results: We developed an unsupervised neural network model to cluster countries and used the Human Development Index to derive a wellbeing model. The results show that no single health system architecture is associated with a higher level of population wellbeing. Strikingly, high levels of health expenditure and physical health capacity do not guarantee a high level of population wellbeing and different health systems correspond to a certain wellbeing level.
Conclusions: Our analysis shows that alternative options exist for some health system characteristics. These can be considered by governments developing health policy priorities.
Ključne besede: population wellbeing, health system capacity, public health system, health policy, neural network
Objavljeno v DKUM: 19.07.2024; Ogledov: 186; Prenosov: 9
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10. Growth and glucosinolate profiles of Eruca sativa (Mill.) (rocket salad) and Diplotaxis tenuifolia (L.) DC. under different LED lighting regimesDenis Stajnko, Peter Berk, Andrej Orgulan, Marko Gomboc, Damijan Kelc, Jurij Rakun, 2022, izvirni znanstveni članek Opis: In this study, the growth and glucosinolate (GSL) profiles of rocket salad Eruca sativa (Mill.) and Diplotaxis tenuifolia (L.) DC. were determined during 30 days growing under different lighting regimes; T5_ peak at 545 nm, LED1_ peak at 631 nm and LED2_ peak at 598 nm. The biggest increase of dry weight (DW) was measured in E. sativa under T5 (0.657 g DW/plant) and the lowest in D. tenuifolia under LED1 (0.080 g DW/plant). GSL content was found to vary significantly, regardless of the light treatment, but it is related with genotype (E. sativa, r = 0.802**). On average, the highest amount of 4-methylsulfinylbutyl-GSL (glucosativin) (7.3248 mg/g DW) was quantified in E. sativa and D. tenuifolia (6.7428 mg/g DW) under the T5. The regression analysis between different light wavelengths and glucosinolates showed the strongest correlation between photosynthetic photon flux density (PPFD_B) and 4-methylthiobutyl-GSL (glucoerucin) in E. sativa (r = 0.698*) and D. tenuifolia (r = 0.693*), respectively, which indicates the effect of light on the response of plants to induced stress and changes in GSL biosynthesis.
Ključne besede: salad vegetables, antioxidant compounds, light, abiotic stress, phytohormone
Objavljeno v DKUM: 11.07.2024; Ogledov: 124; Prenosov: 26
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