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Ekonomika preduzeća
2020, vol. 68, br. 3-4, str. 269-279
jezik rada: engleski
vrsta rada: prethodno saopštenje
objavljeno: 20/05/2020
doi: 10.5937/EKOPRE2004269M
Uticaj digitalizacije i tehnoloških inovacija na finansijskom tržištu na razvijenost finansijskog tržišta
aUniversity of Banja Luka, Faculty of Economics, Department of Accounting and Business Finance, Banja Luka, Bosnia and Herzegovina
bManagement Company of the Pension Reserve Fund of Republic of Srpska, Banja Luka, Bosnia and Herzegovina
cKomercijalna banka a.d, Banja Luka, Bosnia and Herzegovina

Sažetak

Cilj rada je da se dovedu u vezu kreditni rejting zemlje i razvijenost finansijskog tržišta sa jedne strane i nivo tehnologije i inovacija po zemljama, sa druge. Prvo istraživačko pitanje glasi: "Da li su i u kakvoj vezi kreditni rejting zemlje i nivo tehnologije i inovacija?" Drugo istraživačko pitanje glasi: "Da li su i u kakvoj vezi razvijenost finansijskog tržišta i nivo tehnologije i inovacija?". Metode korištene u radu su analiza i sinteza prethodnih istraživanja i teoretskih nalaza, regresiona analiza, a zaključci su izvučeni metodom indukcije. Dobijeni odgovori na istraživačka pitanja mogu ukazati na pravac promjene regulative koja bi stimulativno ili destimulativno djelovala na razvoj inovacija i tehnologija na finansijskim tržištima u zemljama u razvoju. Doprinos rada ogleda se u tome što su objašnjene mogućnosti za razvoj i unapređenje finansijskog tržišta u zemljama u razvoju. Rezultati istraživanja pokazuju vezu između kreditnog rejtinga i nivoa tehnologije i inovacija po zemljama te vezu između razvijenosti finansijskog tržišta i nivoa tehnologije i inovacija po zemljama. Ukazali smo i na to da li je racionalno da finansijski posrednici u zemljama u razvoju mijenjaju svoje poslovne modele i prilagođavaju ih ubrzanim promjenama na tržištu. Osim toga, ukazali smo na potrebu za prilagođavanjem regulative i smanjivanjem operativnih troškova finansijskih posrednika u zemljama u razvoju. S obzirom na to da smo pokazali uzročno-posljedičnu vezu između inovacija i tehnološkog razvoja finansijskih posrednika i razvijenosti tržišta, ističemo i činjenicu da je potrebno eliminisati ograničenja i druge otežavajuće faktore koji utiču na dalji proces digitalizacije u finansijskom sektoru u regiji.

Ključne reči

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