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2022, vol. 17, br. 2, str. 169-183
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Analiza e-bankinga u vremenu korone
E-banking analysis during COVID-19 pandemics
aNacionalna služba za zapošljavanje, Novi Pazar bAkademija strukovnih studija Kosovsko Metohijska, Odsek Peć u Leposaviću, Leposavić
e-adresa: nikola94np@gmail.com
Sažetak
Elektronsko bankarstvo predstavlja jedan generalni termin koji se koristi da označi proces kojim je pravnim i fizičkim licima dozvoljeno da obavljaju lične ili komercijalne bankarske transakcije koristeći elektronsku i telekomunikacionu mrežu. Ono obuhvata različite poslove kao što su - transfer sredstava, izvode sa tekućeg računa, plaćanje računa, lociranje najbližeg bankomata, dobijanje informacija o finansijskim proizvodima i uslugama, podnošenje zahteva za kredit, ali i ostale poslove koji se realizuju korišćenjem računara, pametnih telefona ili nekih drugih tehnoloških uređaja. Predmet istraživanja ovog rada je analiza upotrebe e-bankinga u vremenu pandemije virusa COVID-19 u Republici Srbiji i Bosni i Hercegovini. Pandemija virusa COVID-19 uslovila je da se sve veći broj transakcija obavlja online odnosno putem opcija digitalnog plaćanja. Takođe, uslovila je da banke razviju dodatne pogodnosti za svoje korisnike, kao i da unaprede postojeću e-infrastrukturu koja se odnosi na mogućnosti korišćenja e-bankinga.
Abstract
Electronic banking presents a general term used to denote a process allowing legal and physical entities to perform personal and commercial banking transactions by using electronic and telecommunication networks. It covers various jobs such as assets transfers, current account statements, bill payments, the closest ATM locating, attaining the information about financial products and services, loan applications, and some other activities performed with the use of a computer, smartphone, or some other technical devices. The subject of this research study is the analysis of the e-banking usage during COVID-19 pandemics in the Republic of Serbia and Bosnia and Herzegovina. COVID-19 pandemics influenced a great number of transactions to be done online, i.e. by using digital payment options. Furthermore, it affected banks to develop extra benefits for their users, as well as, to promote current e-architecture referring to the possibilities of e-banking use.
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