A taxi driver picking up tourists from cruise ships in Kotor knows exactly when money is about to flow. When a ship docks, thousands of visitors walk into the old town within hours. That means immediate demand for transport, food, tours, and souvenirs. This is how Montenegro makes most of its money. Tourism is the main economic engine. Coastal towns like Kotor and Budva fill up during summer with visitors from across Europe. Hotels, apartments, restaurants, and tour operator