Prevod obezbedili autori RezimeAko je prošlu deceniju bankarskog poslovanja obeležila prekomerna kreditna ekspanzija, danas govorimo u deceniji njegove digitalne transformacije. Usled uticaja digitalnih medija, velikih tehnoloških i promena u potrebama potrošača, banke su izložene digitalnom narušavanju svog poslovnog modela spolja i iznutra, što dovodi do inovacija u proizvodima, uslugama, distributivnim i prodajnim kanalima, poslovnim modelima i organizacionoj kulturi. Sektorske analize ukazuju da će buduća dobit sektora biti preusmerena ka onim finansijskim organizacijama koje uspešno koriste digitalne tehnologije za automatizaciju svojih procesa i kao analitička oruđa, kreiraju nove usluge i vrednosti za klijente koji žele da im banka bude uvek i svuda dostupna i transformišu organizacionu kulturu u agilnu i orijentisanu ka inovacijama. Uspešne bankarske strategije zasnovane su na razumevanju kako digitalna transformacija poslovanja može da stvori novu vrednost, tržišnim promena, a koje donose fin-teh inovatori, sveobuhvatnom poznavanju navika i očekivanja klijenata i postavljanju prioriteta prema investicijama u digitalno poslovanje.Ključne reči: bankarski sektor, banke, digitalna transformacija, elektronsko poslovanje, fin-teh JEL: G21, O32 Primljen: 24.02.2016. Prihvaćen: 29.03.2016 SummaryIf the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector analyses are showing that future profits will be redirected towards those financial organizations which successfully deploy digital technologies for process automation and as analytical tools, create new services and values for their clients who want their bank to be accessible at all places and all times, and which transform their organizational culture to an agile and innovation-oriented one. Successful banking strategies will be based on understanding how digital business transformation can create new value -on market changes brought by fin-tech innovators, on comprehensive understanding of customer habits and expectations, and setting up investments into digital business as the key priority.Keywords: banking sector, banks, digital disruption, online business, fin-tech UvodProfesor Univerziteta Harvard i stručnjak iz oblasti inovacija Klajton Kristensen (Clayton Christensen) je u svojoj analizi koncepta inovativnosti ukazao na razliku koja postoji između inovacija koje ometaju i narušavaju tradicionalno poslovanje, i onih koje ga unapređuju (1997, str. 144). Inovacije koje narušavaju nastaju uvođenjem novog proizvoda ili usluge na tržište, ciljajući mali segment potrošača. S rastom njihove popularnosti, dobijaju širi prihvat i...
In the modern business environment, service companies face the challenge of continuous improvement of the quality of services. Retail managers must use an adequate system for evaluating the quality of the services they provide within the retail establishment. One of the tools that managers use is SERVQUAL analysis, which consists of five dimensions in the traditional model. The aim of this paper is to highlight the importance and necessity of measuring the dimensions of service quality in retail outlets. The subject of this paper is investigating the attitudes of customers in a retail store in Bosnia and Herzegovina, on the perception and expectations of the quality of services provided to them. The results of the study indicate that the gap between performance and expectations of all dimensions is negative, i.e. that none of the performance according to the dimensions of the SERVQUAL model exceeded respondents' expectations.
The digital revolution places the imperative of accepting the fact that all spheres of business must be modernized. As the core of all functions in the company changes, the marketing function changes. The marketing mix of companies is changing in terms of using digital technologies to implement marketing strategies. In addition to innovation in the domain of creating products, price construction and distribution channels, promotion is also being innovated. Communication of product offers to customers requires a modern approach that will be compatible with the turbulent time in which business is currently taking place. Consumers are turning more and more to modern technologies, and the increasingly popular digital media is the way to reach a modern consumer. In this sense, alongside traditional promotion, the company uses digital promotion as a way of its overall performance in promoting its offer. Among other things, the use of digital promotion channels depends on the size of the company. The subject of paper is the usage of digital promotion in small enterprises in the Brčko District of Bosnia and Herzegovina. The aim of the paper is to examine participation and significance of digital promotion in the overall promotion of small enterprises of the Brčko District of Bosnia and Herzegovina and to determine the degree of usefulness and satisfaction based on the use of digital promotion by the mentioned enterprises.
The aim of this paper is to evaluate whether lighting in a retail facility affects the behaviour of shoppers on the Serbian market. The subject of the paper is lighting, which represents one of the instruments of shopper marketing. Review of the relevant literature suggests that lighting can have a significant impact on the appearance of the observed product. Data for testing hypotheses were collected from the samples on the markets of Serbia. In order to collect data, an online experiment was conducted. Data were processed using repeated measures one-factor analysis of variance. Based on the research results the conclusion is that different treatments of lighting colour and temperature affect the shoppers' perception of the quality of the observed product, but do not affect shoppers' price perception of the observed product on the Serbian market.
The paper analyzes satisfaction with both educational and scientific research services of the Faculty of Economics Brcko. The analysis is based on the results obtained in 2018 from a scientific research project titled: "A Survey of the Graduate Students Satisfaction with the Services of the Faculty of Economics Brcko". The subject of the research is the work status structure of the Faculty of Economics Brcko graduates. The research was based on the sample created on the basis of the population recorded in the database of the Faculty’s Student Service for the period from 1979 to 2017. The aim of the research was to establish the work status of the respondents, and to compare it with the average situation in Bosnia and Herzegovina. The obtained results of the analysis indicate the positive market positioning of the diplomas of the Faculty of Economics Brcko. They pointed out the fact that the Faculty of Economics in Brcko continues to produces adequately educated and skilled staff both for the private (real) sector and the public sector as well.
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