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Ekonomika preduzeća
2018, vol. 66, br. 5-6, str. 346-355
jezik rada: engleski
vrsta rada: izvorni naučni članak
doi:10.5937/EKOPRE1806346Z


Potencijal i stanje razvoja digitalnog bankarstva u Srbiji
aErste Bank, Digital Channels Management Department
bUniverzitet u Nišu, Ekonomski fakultet

Sažetak

Digitalizacija procesa i usluga predstavlja jedan od najaktuelnijih izazova u savremenom bankarstvu. Uvažavajući principe profitabilnosti i maksimizacije korisničkog iskustva, implementacija digitalnih usluga i proizvoda u bankarstvu sprovodi se sa ciljem razvoja preorijentisanog pristupa koji pretpostavlja reorganizaciju resursa i aktivnosti na nivou banaka. Izuzetne promene u navikama klijenata i nove tehnološke mogućnosti usmeravaju banke ka cilju obezbeđivanja promptne dostupnosti resursa, kroz trenutnu realizaciju transakcija i odobrenje kredita. U radu je predstavljena komparativna analiza razvoja digitalnog bankarstva na nivou bankarskog sektora Srbije, sa fokusom na zastupljenost proizvoda i usluga koji su aktuelni na tržištu i osvrtom na istovrsne trendove u zemljama regiona i Evropskoj uniji. Takođe, razmatraju se potencijali i ograničenja u primeni digitalnog koncepta u poslovanju banaka, poput primene digitalnog potpisa, demografskih karakteristika, regulacije, tehnoloških mogućnosti i opštih karakteristika domicilne privrede.

Ključne reči

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