Kakav je efekat nematerijalnih ulaganja na zaradu bankarskog sektora Republike Srbije?
Sažetak
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.
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