Финансова трансформация на променящия се миграционен модел в Европа
Financial transformation of the changing migration pattern in Europe

Summary/Abstract: In recent decades, Europe has become one of the main global centers of international migration. The changing migration pattern has a significant impact on the economic and financial processes in the European Union. Migration affects the labor market, public finances, investments, and cross-border financial flows, including migrants' remittances. This article analyzes the financial aspects of migration processes in Europe, focusing on the role of migration in economic growth, the transformation of financial systems, and the development of new financial instruments and policies

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