E-BANKING TRENDS

Electronic banking, WHY?

Bank: It is cheaper way!
Client: Easy to use!

Light calculation:

Average branch at Serbia monthly: costs 25.000 EUR No 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?

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. Features a) Business features (e-Invoice, selling bank products) b) Technical features (eBank for non-technical users) 2 . New channels Microwave banking?

Key Point: How to sell banks 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

Banks view: - scalability - Reliably - security - Easy maintainable

Customers view: - Simple installation - Invisible update - Error non prone - Fast

TV Banking
T-Banking is about exploiting the televisions existing reach into households as a viable banking service delivery channel.

Decrease costs, increase profit !

Thank you!