文章基本信息

标题：What is the Effect of Intangible Assets on Earnings of the Serbian Banking Sector?
其他标题：Kakav je efekat nematerijalnih ulaganja na zaradu bankarskog sektora Republike Srbije?
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作者：Lidija Barjaktarović ; Nikola Stefanović
期刊名称：Industrija
印刷版ISSN：0350-0373
电子版ISSN：2334-8526
出版年度：2019
卷号：47
期号：1
页码：61-75
DOI：10.5937/industrija47-21347
语种：English
出版社：Economics institute, Belgrade
摘要：Digital transformation is the permanent improvement of business processes within a bank by available digital tools and technologies in order to survive in the market.It is driven primarily by the clients'needs,new competitors,regulations,and strategy based on the existing tradition.The aim of the paper is to determine whether there is a link between the money invested in digitalization and the achieved result of the bank through the relevant financial indicators.The results of the research show that the banking offer of alternative distribution channels'products in the Republic of Serbia (RS)follows world trends and it can be considered developed.Furthermore, the level of investment in digitalization has a direct impact on the achieved result of the banking sector.Moreover,the banking sector generates more revenue than traditional products offered,and investments in digitalization, innovation and IT technology are inevitable if they want to survive on the market,which is,due to global trends,the need of clients and requirement of the regulator.It is certainly an imperative for all banks in RS to continue investing in education of employees and clients,improvement of business processes,and new tools in order to survive on the market and be competitive.
其他摘要：Digitalna transformacija banke je permanentno unapređenje poslovnih procesa i samog opstanka poslovanja banke uz pomoć svih raspoloživih digitalnih alata i tehnologija.Istu pokreću potrebe klijenata,novi konkurenti,regulativa i strategija zasnovana na postojećoj tradiciji.Cilj istraživanja je da utvrdi da li postoji veza između investiranih sredstava u digitalizaciju i ostvarenog rezultata banke kroz prizmu odgovarajućih finansijskih indikatora.Rezultati istraživanja pokazuju da bankarska ponuda proizvoda alternativnih kanala distribucije u Republici Srbiji ide u korak sa okruženjem i svetom,odnosno može se smatrati razvijenom.Dalje,nivo ulaganja u digitalizaciju ima direktan uticaj na ostvareni rezultat bankarskog sektora.Takođe,uočljivo je da bankarski sektor generiše više prihoda od tradicionalnih proizvoda koji nudi a da su ulaganja u digitalizaciju,inovacije i IT tehnologiju neminovnost ukoliko žele da opstanu na tržištu,što zbog globalnih trendova,potreba klijenata i zahteva regulatora.Svakako je imperativ za sve poslovne banke u Republici Srbiji da dalje investiraju u edukaciju zaposlenih i klijenata,unapređenje poslovnih procesa i nove alate kako bi opstale na tržištu i bile konkurentne.
关键词：Digitalization;Banking;Digital Transformation;Innovation;Intangible Assets
其他关键词：digitalizacija;bankarstvo;digitalna transformacija;inovacija;nematerijalna ulaganja