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The aim of this research: to analyze the transaction methods and tools through a virtual intermediary providing electronic services and functions based on virtual agent generated added value to small and medium-sized business enterprises (SMB) based on transaction cost theory. Used methodology: through a complex and multi-faceted relationship analysis examining the virtual intermediary services to small and medium-sized enterprises, evaluating their performance, highlighting the added component of the value chain and benefits. The research methodology is based on the scientific literature, generalization and comparative analysis. The practical significance: the activities of business enterprises (corporations, organizations) are profitable, if usage of Information and Communication Technologies (ICT) is effective. ICT is becoming increasingly important in reducing business operating costs. E-services used in business transactions acquire special significance. European Union (EU) in the inner space in more than 20 million of SMEs and their work areas include more than 170 activities. Both internal and external competition encourages SME operators to increase operational efficiency. The article analyzes the cost-cutting options related to services provided by virtual intermediaries and has practical significance in the national and international companies. Originality/value: looking at cost reduction opportunities through a virtual agent functionality and value-added SME operator justification.

Verslo subjektų sandorių sudarymo galimybės taikant virtualių tarpininkų teikiamas elektronines paslaugas