REF’s picks

FK Borac Banja Luka hold home advantage in this Conference League fixture and should edge a tight encounter against Kuopion Palloseura. The Finnish side conceded four against Trabzonspor recently and often struggle on their travels in Europe. However, Borac's recent defensive vulnerabilities mean a clean sheet is far from guaranteed.

1. 1Borac benefit from playing at home where they defeated Vikingur Reykjavik earlier this season.
2. 2Kuopion Palloseura showed defensive frailties in their 4-2 defeat to Trabzonspor.
3. 3Borac have leaked goals in recent outings, suggesting the visitors will create chances.

REF's own opinion, not a guarantee — nothing here is financial or betting advice, and the call is always yours.