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Digitization of processes and services is one of the biggest challenges of modern banking. Driven by the principles of profitability and maximizing user experience, banks conduct the implementation of digital products and services, which affects reorganization of resources and all activities of the banks. Rapid changes in clients' behavior and new technological possibilities are directing banks to the goal of ensuring prompt availability of resources, through real time transactions and loan approval. This paper presents a comparative analysis of the digital banking development in the banking sector in Serbia, focusing on availability of products and services that are current on the market, with follow-up on the same type of trends in the region and the European Union. It also discusses the potential and limitations in the application of a digital concept in banking, such as application of digital signature, demographic characteristics, regulation, technological capabilities and general features of the domicile economy.

The potential and state of development of digital banking in Serbia