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..................................................................5
1. ...............................................................................10
1.
1.1.

1.2.






1.3.
1.4.

1.5.
1.6.
1.7.

11
11
14
15
15
15
16
17
18
18
19
19
20
21
22
23
23
25
26
27
28

2. .............................................................................29
2.
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30

31

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31
32
33
35
35


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37
37
38
42
42
42
43
43
44
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45
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47
48
48
48
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51
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51

3. .............................................................................52
3.

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53
54
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2002.

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,
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1959. . 1966. ,
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Seitz, Juergen; Stickel, Eberhard: Internet Banking An Overview, Journal of Internet Banking and Commerce, Vol. 3, No. 2.,
1998.

86

CyberCash 1995 .
, (Cyber Cash Wallet),
.
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1994. (First Virtual Holdings)
.
E-Cash online, .
DigiCash 1994 .
NetCash
(University of Southern California).

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87


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43

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44

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94

4.3. -

2008. 34 (35 2007. ).

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BancaDItalia The Banking and Financial Sector in Countries of South East Europe, Roma 2002.

95

2008.

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97

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,
.
,
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98




.
2008.
: (Mpayment) wlan
, (M-government),
.
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, ,
2008. 22 24 ,
.
:
22%
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112%
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:
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52%

99

100

.


.
.

.
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101

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102

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103

104

1.

BancaDItalia The Banking and Financial Sector in Countries of South East Europe,
Roma 2002

2.

., ., ., , ,
2003. .

3.

., ., .,
, , ,
, ,
2006. .

4.

., , ,
, 2006. .

5.

., , ,
, 2004. .

6.

M., M., ., 1 IS,

, 2006. .

7.

. , ,
, 2007. .

8.

Mishkin S. F.; , ,
, 2006. .

9.

Rose S. P., Hudgins C. S., , , ,

2005.

10.

Rothbard N.M, The Mystery of Banking, Richardson & Snayder 1983.

11.

Saleh M. Nsouli, Schaechter A. Challenges of the E- Banking Revolution, Finance

and Development, 2002.

12.

Seitz, Juergen; Stickel, Eberhard: Internet Banking An Overview, Journal of Internet

Banking and Commerce, Vol. 3, No. 2., 1998.

13.

., ,
, , 2007. .

14.

Fonteyne W. EU- From Monetary to Financial Union, Finance and Development,

2006.

15.

., , , 2007..

16.

Hilbers P., Krueger R., Morreti M. New Tools for Assessing Financial System Soundness, 2007 .

17.

. , . ,
, , 2007. .

105

:
www.SveVesti.com

www.wikipedia.org

www.nbs.yu

www.Ekonomist.co.yu

www.pks.yu

www.bancaintesabeograd.com

www.istorija interneta.net
www.pedagog.rs
www.google.com

www.raiffeisenbank.co.yu
www.findomestik.rs
www.krediti.rs

:
NIF (note issuance facility)
LOB (leverage byouts)
SME (small & medium enterprises)
SBA (Small Business Association)
APR -
EU
ECB (uropean Central Bank)
ESCB -
EIB -
UBS -
OECD (Organiyation for Economic Cooperation and Development)

POS (Point Of Sale) ,

106