@ARTICLE{
author={Lazic Milena,Simovic Vladimir,Domazet Ivana S,Abdallah Farid},
year={2025},
title={Predictive Insights into Digital Competencies: A Data-Driven Approach to Inclusion},
journal={JOURNAL OF TECHNOLOGY IN HUMAN SERVICES},
volume={},
number={},
pages={-},
document_type={Article; Early Access},
}