Electronic banking, WHY?<br />Bank:<br />It is cheaper way!<br />Client:<br />Easy to use!<br />
Light calculation:<br />Average branch at Serbia monthly: <br />costs 25.000 EUR<br />No of Transactions : 20.000<br />If eBanking process 100.000 transactions, <br />does it mean that eBank real cost is 120.000 EUR monthly?<br />1.5 million EUR yearly?<br />
Payment Cards vs. eBanking<br /><ul><li>Cards earn money, eBanking not!?
eBanking replaces frequently operations at branch…
Payment card covers frequently operations (paying of goods) at shop…</li></li></ul><li>eBanking will be developed, in which way?<br />Features<br />Business features (e-Invoice, selling bank products…)<br />Technical features (eBank for non-technical users…)<br />2 . New channels<br />Microwave banking?<br />
Key Point: How to sell bank’s product or service?<br />-Is it possible to use eBank for selling?<br />- Virtual banks at USA.<br />- Target sales: Sales behind Login.<br />
Electronic invoices <br />Handling paper is expensive! <br />-complex workflow<br />-error prone <br />-time consuming<br />
EU initiative<br />- To promote the mass adoption of electronic invoicing throughout Europe<br />“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.”<br />