engleski

Application of digital technologies in banking operations in the Republic of Croatia

Digital technologies become an integral part of business activities of a large number of market players in the past fifteen years. Technologies that we used to consider as distant future, such as handheld computers or smart cars, are now considered common and are used on a daily basis. Dynamism, innovation and adaptation are but a few of the features of digital technologies. They constantly change and monitor their users’ needs, trying to create a positive user experience, which would eventually provide the most benefits to their owners – by increasing the number of users and reaching the desired financial objectives. Digital technologies penetrated almost all sectors of the economy, from the primary all the way to the quaternary sector. The banking sector is no exception as financial institutions are forced to make use of digital technologies as competitive advantage at the ever more competitive market. Banks, as the most relevant actor at the Croatian financial market, are also no exception ; their mobile apps are perhaps the best indicator of how much they are able to keep up with worldwide trends in doing digital business. The conducted survey leads to the conclusion that the respondents are satisfied and have positive opinions about Croatian banks’ mobile apps. With regard to the trends concerning the application of digital technologies in Croatian banks, we can say that, when it comes to the context of mobile app digitalization levels, the banks are up-to-date with the trends and innovations implemented at the worldwide banking scene.

digital technologies ; banks ; financial market ; mobile apps ; online banking

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