E-BANKINGTRENDS

Electronic banking, WHY?

Bank:It is cheaper way!

Client:Easy to use!

Average branch at Serbia monthly: costs 25.000 EURNo of Transactions : 20.000

If eBanking process 100.000 transactions, does it mean that eBank real cost is 120.000 EUR monthly?

1.5 million EUR yearly?

Light calculation:

Payment Cards vs. eBanking

-Cards earn money, eBanking not!?

-eBanking replaces frequently operations at branch…

-Payment card covers frequently operations (paying of goods) at shop…

eBanking will be developed, in which way?

1. Featuresa) Business features (e-Invoice, selling bank products…)b) Technical features (eBank for non-technical users…)

2 . New channelsMicrowave banking?

Key Point: How to sell bank’s product or service?

-Is it possible to use eBank for selling?

- Virtual banks at USA.

- Target sales: Sales behind Login.

Target Sales

Electronic invoices

Handling paper is expensive! -complex workflow-error prone -time consuming

EU initiative

- To promote the mass adoption of electronic invoicing throughout Europe

“EU recommends that member states focus on the specific needs of small and medium-sized enterprises (SMEs), harmonies the European regulatory framework and adopt a standard for invoice data forms and content.”

Department of Defense

IT improvements

Bank’s view: - scalability- Reliably- security- Easy maintainable

Customer’s view: - Simple installation- Invisible update- Error non prone- Fast

TV BankingT-Banking is about exploiting the television’s existing reach into households as a viable banking service delivery channel.

Decrease costs, increase profit !

Thank you!