Boris Divjak, a founder of the BiH branch of Transparency International and currently an advisor at the World Bank, in his study Bosnia and Herzegovina: Doing Business to Cement Peace, published by the UK-based NGO International Alert, says that banks trying to operate in both entities face major obstacles, particularly with employment regulations.
Boris Divjak, osnivač ogranka Transparensi internešenela za BiH i trenutno savetnik u Svetskoj banci, u svojoj studiji Bosna i Hercegovina: Poslovanje za učvršćivanje mira, koju je objavila britanska nevladina organizacija Internešenel alert, navodi da se banke koje pokušavaju da posluju u oba entiteta suočavaju sa velikim preprekama, posebno u pogledu pravila zapošljavanja.