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2022, vol. 24, br. 1, str. 279-301
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Analiza primene elektronskog bankarstva u Crnoj Gori u doba pandemije
Analysis of the implementation of e-banking in Montenegro during pandemics
aUniverzitet "Adriatik" Bar, Fakultet za poslovnu ekonomiju i pravo, Bar, Crna Gora bUniverzitet "Adriatik" Bar, Fakultet za mediteranske poslovne studije, Tivat, Crna Gora cUniverzitet u Nišu, Poljoprivredni fakultet u Kruševcu
e-adresa: natasari@t-com.me, nikola.abramovic.fpe@gmail.com, nikolafms@gmail.com, bojana.ristanovic@yahoo.com
Keywords: banks; e-banking; internet and mobile banking; technological changes; Information and Communications Technology (ICT)
Sažetak
Brz razvoj informaciono - telekomunikacione tehnologije uticao je i na dinamične promene u bankarskom sektoru. Predmet ovog rada jeste analiza zastupljenosti elektronskog bankarstva kod bankarskih klijenata u Crnoj Gori. Pored toga, u radu će biti prikazani podaci o korišćenju računara i pristup internetu u preduzećima i kod kuće, kao i podaci o korišćenju internet i mobilnog bankarstva sa osvrtom na tendencije njihovog kretanja u prethodnim godinama. Cilj rada je da se uvidi i ukaže na prednosti primene elektronskog bankarstva, kako za banke, tako i za klijente, gde su NAM podaci iz 2020. godine pokazali da je u vreme pandemije korona virusa, značajno porastao broj korisnika usluga e-bankarstva u zemlji. S obzirom da elektronsko bankarstvo utiče na efikasnost i brzinu poslovanja između banaka, banaka i klijenata kao i same banke, potrebno je sagledati činioce slabije zastupljenosti internet i mobilnog bankarstva u Crnoj Gori u odnosu na druge visoko razvijene zemlje Evrope, a sve u cilju kako bi pristup i njihova primena bila mnogo bolja i više zastupljenija.
Abstract
Fast development of information and communications technology also resulted in dynamic changes in banking sector. The subject of this paper is the analysis of electronic banking presence among bank clients in Montenegro. Additionally, the paper shall present the data on the use of computers and internet access in companies and at home as well as data on use of internet and mobile banking with the reference to their trends in previous years. The objective of the paper is to determine and show the advantages of the application of electronic banking both for the banks and their clients where the data from 2020 shows that during coronavirus pandemic, the number of e-banking service users in the country has grown considerably. Having in mind that electronic banking impacts the efficiency and speed of business operations between banks, banks and clients, as well in banks themselves, it is necessary to consider factors of poorer presence of Internet and mobile banking in Montenegro in comparison to other highly developed countries in Europe so that the access to and their application would improve and be more represented.
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Reference
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