2. E-BANKING TRENDS

3. Electronic banking, WHY? Bank: It is cheaper way! Client: Easy to use!

4. Light calculation: Average branch at Serbia monthly: costs 25.000 EUR No of Transactions : 20.000 If eBanking process 100.000 transactions, does it mean that eBank real cost is 120.000 EUR monthly? 1.5 million EUR yearly?

6. eBanking replaces frequently operations at branch…

8. Key Point: How to sell bank’s product or service? -Is it possible to use eBank for selling? - Virtual banks at USA. - Target sales: Sales behind Login.

9. Target Sales

10. Electronic invoices Handling paper is expensive! -complex workflow -error prone -time consuming

11. EU initiative - To promote the mass adoption of electronic invoicing throughout Europe “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.”

12. Department of Defense

14. security

16. Error non prone

18. Decrease costs, increase profit ! Thank you!