摘要：Electronic money and electronic banking is a result of the wide application of information and communication technology (ICT).Th e development of information and communication technologies,a number of technical and fi nancial innovation,intensifying competition,aff ect the improvement of business processes at banks,between banks and in relation with customers.Th e paper contain a case stady about analysis of characteristics,factors of development and economic eff ects of electronic money and electronic banking,in order to point out the possible economic consequences and the necessity of innovation and completing the legislation in this area.In this paper we started from the hypothesis that the electronic money and electronic banking as a form of marketing communication.It is necessary,because it positively aff ect on the speed and effi ciency of operations and also,because performance of the business depend from the eff ective protection of fi nancial privacy of its users.
其他摘要：Elektronski novac i elektronsko bankarstvo je rezultat široke primene informaciono-komunikacione tehnologije (ICT).Razvoj informacione i komunikacione tehnologije,mnoštvo tehničkih i fi nansijskih inovacija intenzivira konkurenciju,utiče na unapređenje poslovnih procesa u bankama,između banaka i u odnosu sa klijentima.Predmet istraživanja u radu je analiza karakteristika,faktora razvoja i ekonomskih efekata elektronskog novca i elektronskog bankarstva,sa ciljem da ukažemo na moguće ekonomske posledice i neophodnost inoviranja i upotpunjavanja zakonske regulative u ovoj oblasti.U radu smo pošli od hipoteze da je elektronski novac i elektronsko bankarstvo,kao vid tržišnog komuniciranja,neophodno,da pozitivno utiče na brzinu i efi kasnost poslovanja i da uspešnost zavisi od efi kasne zaštite fi nansijske privatnosti korisnika.
关键词：Electronic Money;Electronic Banking;Information and Communication Technologies;Economic eff ects of electronic money and banking;Legal aspects of electronic money and banking
其他关键词：Elektronski novac;Elektronsko bankarstvo;Informaciono-komunikaciona tehnologija;Ekonomski efekti elektronskog novca i bankarstva;Pravni aspekti elektronskog novca i bankarstva
