Abstract:
Small Business Banking (SBB) segment is one of the most important segments
of the banking sector in Serbia because it includes different sectors such as:
entrepreneurs, micro and small enterprises sectors. SBB segment is the sector
with the highest growth in the post-transition period. This sector is attractive
for banks because of its profitability and risk diversification. E-banking
is becoming increasingly important in business correspondence between
banks and SBB customers. E-banking platforms, in addition to the functions
of payment transactions, become an advanced communication channel when
applying for micro loans in the SBB segment. This paper discusses the potential
for the development of advanced e-banking channels of communication
in the SBB segment, with reference to the advantages and disadvantages as
well as the risks of implementing this system. It compares the commercial
banks in the domestic banking market according to the criteria and effects of
e-banking in the SBB segment. The conclusion is that the application of this
concept reduces operating costs of banks, increases profitability, but it also
increases the risk of loans. Commercial banks should gradually and cautiously
approach the implementation of e-banking in the credit process in the SBB
segment, because it may eventually cause an increase in the percentage of
non-performing loans.
CITATION:
IEEE format
D. Ranisavljević , Z. Jović, “The Perspective of E-Banking in Small Business Banking Sector,” in Sinteza 2016 - International Scientific Conference on ICT and E-Business Related Research, Belgrade, Singidunum University, Serbia, 2016, pp. 412-417. doi:10.15308/Sinteza-2016-412-417
APA format
Ranisavljević , D., Jović, Z. (2016). The Perspective of E-Banking in Small Business Banking Sector. Paper presented at Sinteza 2016 - International Scientific Conference on ICT and E-Business Related Research. doi:10.15308/Sinteza-2016-412-417