DOBA AI MATURITY INDEX 2026

DOBA AI MATURITY INDEX 2026

DOBA AI MATURITY INDEX 2026

Organisational AI Maturity in Companies in Slovenia, Croatia, and Serbia.

3countries in comparisonSlovenia, Croatia, Serbia
5AI maturity dimensionsstrategy, governance, workforce, operational use, impacts
4stages of maturityfrom the initial stage to full transformation

What does DAIMI measure

The DOBA AI Maturity Index (DAIMI) measures organisational AI maturity across five key dimensions. We measure organisational AI maturity – not just tool usage.

DAIMI

DOBA AI MATURITY INDEX

We measure organisational AI maturity –
not just tool usage.

1 Strategic AI Integration

AI strategy, vision, alignment, and management support.

5 Business Impacts of AI

Effects on productivity, efficiency, and competitiveness.

4 Operational Use of AI

Integrating AI into processes, systems, and work methods.

2 AI Governance

Ethics, accountability, oversight – governance mechanisms.

3 Employee Competencies

Skills, learning culture, and organisational readiness.

Development Path of Organisational AI Maturity

From using AI tools

(tool usage)

Through integration

(processes and people)

To governance

(governance and oversight)

To transformation

(value & impact)

DAIMI has been designed as a regional composite index that measures not only the use of AI tools, but above all the capability of organisations to integrate AI into their processes in a strategic, responsible, and business-oriented manner. Therefore, the main question is no longer simply whether companies use AI, but how well they are able to strategically direct, manage, and align it with their business objectives.

Why the Index

From the use of AI tools to organisational maturity

Companies in the region have entered a stage in which initial experimentation with generative AI tools is gradually shifting towards more complex issues related to management, competencies, governance, and business impacts. The index therefore helps to understand whether AI in companies is merely a tool for individuals or already part of a broader organisational transformation.

Why it is needed

Because the mere use of tools is not indicative of whether a company has the strategy, accountability, competencies, and processes for long-term transformation in the field of AI.

What it enables

Comparisons between countries, tracking developments over time, identifying development gaps, and supporting decision-making in companies and policy-making.

How to interpret it

A higher score indicates greater organisational readiness for responsible and strategic AI governance, rather than a higher number of tools in use.

Organisational AI Maturity Scale

The four-stage scale enables the interpretation of the index results and a comparison of the developmental stages of companies and business environments.

0–25

Initial Stage

AI usage is limited, unsystematic, and primarily experimental. Most companies have not yet developed strategies, competencies, or organisational models for AI usage.

26–50

Experimental Stage

Companies are actively testing AI tools and experiencing the first business benefits of AI; however, organisational integration, governance mechanisms, and long-term strategies are not yet fully developed.

51–75

Integrated Stage

AI is becoming an important part of business processes, management is developing formal AI strategies, and the organisation is establishing more systematic governance models and developing competencies, and operational AI integration.

76–100

Transformation Stage

AI is deeply integrated into the company’s business model both in terms of strategy and organisation. The organisation has developed governance mechanisms, a high level of employee competencies, and the capacity for long-term and responsible AI transformation.

Where Do We Stand in the Region — DAIMI 0–100
0255075100DAIMI0–100CROATIA47.89SERBIA49.73SLOVENIA50.85
SLOVENIA
 
 
50.85
Transition from the experimental to the integrated stage
SERBIA
 
 
49.73
Tail end of the experimental stage
CROATIA
 
 
47.89
Experimental Stage
SLOVENIA
Transition into the integrated stage
50.85
SERBIA
Tail end of the experimental stage
49.73
CROATIA
Experimental Stage
47.89
SLOVENIA
Slovenia is currently the closest to the integrated stage of organisational AI maturity, primarily due to a more balanced development of strategic integration, governance mechanisms, and organisational readiness within companies.
SERBIA
Serbia shows a distinct developmental momentum and strong managerial optimism regarding AI use; however, slightly less developed institutional and governance mechanisms currently still limit the transition into a more integrated stage of AI maturity.
CROATIA
Croatia remains somewhat more focused on the pragmatic and operational use of AI tools, while broader organisational and strategic integration of AI has not yet been fully developed.
Region: The region is in a transitional period between initial experimentation with AI and a more demanding stage of long-term organisational transformation. It is precisely this ability to transition into the integrated stage that will be of crucial importance for future competitiveness.
All three analysed countries are currently at the tail end of the experimental stage, just on the cusp of transitioning into the integrated stage.

The results for Slovenia, Croatia, and Serbia indicate a transition period between the experimental and early integrated stages. This means that while companies are already using AI, it is not yet systematically embedded into core business processes, governance mechanisms, and long-term business models across most organisations.

Research and Methodology

How the DAIMI index was developed

The DAIMI index was developed as a composite measure of companies' organisational and managerial maturity in AI adoption. The focus is not on individual tools, but rather on the capacity of companies to integrate AI into their strategy, processes, employee competencies, governance mechanisms, and the measurement of business impacts.

The methodological framework is based on five sub-indices, which together capture the journey from strategic direction to actual usage and business impacts. In calculating the overall score, normalisation by company size was applied, as size significantly influences the capacity for AI adoption.

Country DAIMI score Model interpretation
Slovenia 50.85 Balanced model
Serbia 49.73 Developmentally dynamic model
Croatia 47.89 Pragmatic-experimental model
DAIMI Methodological Framework – Five Sub-indices and Weights
Strategic AI Index30%Governance AI Index25%Workforce AI Index20%Operational AI Index15%Business Impact AI Index10%
What the index measures
  • Strategy
  • Governance
  • Competencies
  • Application in processes
  • Business impacts
Methodological message: Greater emphasis is placed on strategy, governance, and competencies, rather than merely on the use of tools.

The empirical basis for the report is a survey among companies conducted between March and May 2026 in Slovenia, Croatia, and Serbia.

Weight 30%

Strategic integration

The role of management, strategy, and the alignment of AI with company development.

Weight 25%

AI governance

Accountability, ethics, transparency, data protection, and oversight.

Weight 20%

Employee competencies

Organisational readiness and the acquisition of AI-related knowledge.

Weight 15%

Operational use

Actual application of AI within processes and business functions.

Weight 10%

Business impacts

Perceived effects of AI on productivity, innovation, and competitiveness.

Results

Regional comparison of DAIMI results

The differences between the countries are relatively small, indicating a similar developmental stage in the transformation of AI use among companies in the region. Slovenia achieves the highest overall score due to a more balanced development of strategic integration, governance, and organisational readiness. Serbia stands out for its developmental momentum and perceived business impacts. Croatia displays a pragmatic and experimental approach to AI usage.

Regional Classification of Countries
DOBA AI Maturity Index (DAIMI)

The results indicate that all three countries are in a transitional period between the experimental and early integrated stages of AI maturity. The differences between the countries are relatively small, pointing to a similar developmental baseline in the region.

1 SLOVENIA 50.85 2 SERBIA 49.73 3 CROATIA 47.89 EARLY INTEGRATED STAGE TRANSITIONAL PERIOD EXPERIMENTAL STAGE in which all three countries are currently in
SLOVENIA
Slovenia achieves the highest overall organisational AI maturity – the result of a more balanced development across strategic integration, governance, effective operational use, and the perception of business impacts.
SERBIA
Serbia stands out for its strong momentum, advanced approach, and perceived business impacts of AI; however, there is still room for improvement in formalising competencies, organisation, and governance.
CROATIA
Croatia displays readiness and experimentation in the field of AI, but requires further development to achieve a more balanced combination of technological proficiency and perceived impacts.
1
SLOVENIA
50.85
Early Integrated Stage
Slovenia achieves the highest overall organisational AI maturity – the result of a more balanced development across strategic integration, governance, effective operational use, and the perception of business impacts.
2
SERBIA
49.73
Transitional Period
Serbia stands out for its strong momentum, advanced approach, and perceived business impacts of AI; however, there is still room for improvement in formalising competencies, organisation, and governance.
3
CROATIA
47.89
Experimental Stage
Croatia displays readiness and experimentation in the field of AI, but requires further development to achieve a more balanced combination of technological proficiency and perceived impacts.
Key takeaway: Management across all three countries supports AI initiatives, confirming a high level of formal strategic alignment. The next focus of the AI transformation will depend on the capacity of organisations to operationalise these plans, upgrade competencies, and achieve measurable business impacts in practice.
Country Strategic AI Governance AI Workforce AI Operational AI Business Impact AI DAIMI
Slovenia 49.64 62.91 57.18 33.65 37.45 50.85
Serbia 48.40 58.72 56.75 32.77 42.63 49.73
Croatia 44.61 60.79 54.41 30.74 38.19 47.89

The overall results indicate that the region is not yet at the stage of full transformation regarding AI adoption in companies. The key difference between the countries is not whether companies use AI, but how rapidly AI adoption is being integrated with strategy, accountability, competency development, and impact measurement.

Slovenia

A balanced model of AI maturity. Slovenia’s advantage stems primarily from a more stable alignment between strategy, governance, and organisational readiness.

Serbia

A highly developmentally dynamic model with the highest score in terms of perceived business impacts, but with slightly less balanced governance mechanisms.

Croatia

A pragmatic and experimental model. Croatian companies are rapidly testing AI tools, while strategic integration remains somewhat underdeveloped.

Key Findings

What the results tell us about the next stage of AI transformation

The most important message of the report is that the transformation of AI adoption in the region is shifting from the stage of tool usage to the stage of organisational governance. Companies have already recognised the importance of AI; however, they must take the next developmental step in strategy, governance, systematic learning, and impact measurement.

Comparison of AI Maturity Sub-indices – Radar Chart
255075100Strategic AI49.6448.444.61AI governance62.9158.7260.79Workforce AI57.1856.7554.41Operational AI33.6532.7730.74Business impacts AI37.4542.6338.19SloveniaSerbiaCroatia
Key finding: In all three countries, the Governance AI sub-index is the most developed, while the Operational AI sub-index is the weakest. This points to the need to strengthen capabilities for the operational integration of artificial intelligence into business processes.
  1. Management is outpacing systems

    Company management generally supports AI faster than organisations are able to develop formal strategies, accountability, and governance mechanisms.

  2. Operational integration is the weakest link

    The lowest scores are recorded in the integration of AI into core processes, decision-making, and business models.

  3. Competencies remain a developmental challenge

    The development of AI-related competencies often relies on individual employee initiatives rather than systematic training.

  4. Generative AI is the entry point

    The most common applications include text generation, communication, administrative support, and increasing productivity.

  5. Business impacts are perceived but poorly measured

    Companies quickly recognise benefits to productivity, but often lack the methodologies required to measure long-term impacts.

  6. Competitiveness will depend on governance

    In the future, a company’s competitive advantage will be less about access to technology and more about the capacity for strategic AI management.

Key direction

The next stage in the development of AI adoption among companies in the region will require businesses to shift from the rapid usage of tools to strategic governance, competency development, formal accountability, and the measurement of business impacts.

Source: DOBA AI Maturity Index (DAIMI) 2026. DOBA University of Applied Sciences, executive summary.
The survey included 503 respondents, while the calculation of the DAIMI index was based on 348 valid responses with sufficiently completed questionnaires.

© DOBA Publishing: DOBA University of Applied Sciences, Maribor, Slovenia
© Authors: G. Justinek, M. Lavrič, J. Dominko Baloh
This work is licensed under a
Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

 

 

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