1 www.nlbtuzlanskabank a.ba Sarajevo, 21.10.2010. Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstva Experiences of Commercial Banks in Bosnia and Herzegovina with Electronic Payments
Dec 31, 2015
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www.nlbtuzlanskabanka.ba
Sarajevo, 21.10.2010. Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstva
Experiences of Commercial Banks in Bosnia and Herzegovina with Electronic
Payments
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www.nlbtuzlanskabanka.ba
The Basic Data
Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstvaSarajevo, 21.10.2010.
Card business has existed in the bank since 2002, when domestic BamCard, debit and credit cards have been introduced;
Since 2006, international cards Maestro/MasterCard have been part of our offer, and since 2007, Visa cards as well;
Electronic banking has been included in our offer since 2007;
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Limiting Factors:
Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstvaSarajevo, 21.10.2010.
Society which with many difficulties accepts changes;
Fear of using payment cards and new technologies in general;
Existence of grey economy which hinders faster development of new technologies;
Insufficient knowledge of clients on the possible benefits;
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Electronic Banking:
Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstvaSarajevo, 21.10.2010.
In the beginning, clients had no confidence in this service;
Since the introduction of electronic banking, the number of transactions and users has been increasing constantly;
One of the most important limiting factors is the non-acceptance of electronic signature by some companies and institutions;
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Electronic Banking:
Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstvaSarajevo, 21.10.2010.
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Payment Cards:
Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstvaSarajevo, 21.10.2010.
Visa and MasterCard debit, credit, gold and business cards are included in the offer;
Clients who have no experience with cards have a fear of using them, and once they start using the cards, the fear disappears and most payments are performed by means of a card;
As the grey economy percentage is decreasing, and the control of money flows is becoming better, clients increasingly use cards as means of payment;
Experiences with payment cards are positive, and permanent education of employees and clients is a very important factor in establishing confidence in the offered product;
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Payment Cards:
Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstvaSarajevo, 21.10.2010.
CHIP + PIN – for all Visa and MasterCard cards;
Developed system of monitoring and checking of transactions 24 hours through DMS system;
ATMs of the Bank are equipped with up-to-dated, technical forms of protection which make impossible copying of data from the card, i.e. stealing of data from the card;
EMV POS acquiring for Visa and Mastercard products;
SMS notification of transactions;
Implementation of PCI standards;
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Platne kartice:
Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstvaSarajevo, 21.10.2010.
The number of cards is increasing, as well as the turnover on cards, ATMs and POSs;
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www.nlbtuzlanskabanka.ba
Sarajevo, 21.10.2010. Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstva
Education and Trends:
Every day education of employees and clients. Internal education of employees within the Bank gives very good results;
Although there are objective obstacles, turnover and usage of payment cards increases every month;
It is very important to acquire the confidence of clients in reliability and safety of using electronic banking and payment cards;
To improve the offer according to the requests of clients and markets.
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www.nlbtuzlanskabanka.ba
Sarajevo, 21.10.2010. Sanjin Stević, Šef Sektora Kartičarstva i elektronskog bankarstva
Thank you!Sanjin Stević
NLB Tuzlanska banka d.d., Tuzla
Maršala Tita 34, 75000 Tuzla
T: +387 35 259 445
F: +387 35 302 839