<abstract xmlns="http://www.w3.org/1999/xhtml">
<p>The number of users of digital banking services has grown in recent decade, since digital banking services are being done easier, faster and at lower cost than banking services performed in a traditional face-to-face manner. Banks should work on enhancing their digital services according to their demand and conveniently improve customer experience especially for unbanked younger generations. The aim of this paper is to reveal student’s perception of digital banking services in Serbia. Research has been conducted via empirical survey in the form of an online questionnaire, with the descriptive statistics applied. The results showed diverse pattern of digital banking engagement with the largest proportion of students specifying that they use DBS at least once per week. When they did use banking services, most often they used them for money transfer and paying bills, emphasizing the vital role of digital platforms in facilitating financial transactions. Overall students’ satisfaction with DBS is on the high level, and students appreciate technologies development of banking offerings. The results of this research could be used by banks to reveal students’ perception on digital banking service, and to help them create adequate digital services and pivot their business models in that direction.</p>
</abstract>

The number of users of digital banking services has grown in recent decade, since digital banking services are being done easier, faster and at lower cost than banking services performed in a traditional face-to-face manner. Banks should work on enhancing their digital services according to their demand and conveniently improve customer experience especially for unbanked younger generations. The aim of this paper is to reveal student’s perception of digital banking services in Serbia. Research has been conducted via empirical survey in the form of an online questionnaire, with the descriptive statistics applied. The results showed diverse pattern of digital banking engagement with the largest proportion of students specifying that they use DBS at least once per week. When they did use banking services, most often they used them for money transfer and paying bills, emphasizing the vital role of digital platforms in facilitating financial transactions. Overall students’ satisfaction with DBS is on the high level, and students appreciate technologies development of banking offerings. The results of this research could be used by banks to reveal students’ perception on digital banking service, and to help them create adequate digital services and pivot their business models in that direction.

Digital Banking Services – Students’ Perspective

sladjana.barjaktarovic.rakocevic@fon.bg.ac.rs

Economic Themes

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

{"article-title":"Digital Banking Services \u2013 Students\u2019 Perspective"}

The number of users of digital banking services has grown in recent decade, since digital banking services are being done easier, faster and at lower cost than...

Digital Banking Services – Students’ Perspective

Published Online: Mar 26, 2024

Page range: 585 - 602

Received: Oct 09, 2023

Accepted: Nov 30, 2023

DOI: https://doi.org/10.2478/ethemes-2023-0030

Keywords
banks, digital banking services - DBS, mobile banking, students’ perspective, youth

© 2023 Slađana Barjaktarović Rakočević et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Digital Banking Services – Students’ Perspective

Published Online: Mar 26, 2024

Page range: 585 - 602

Received: Oct 09, 2023

Accepted: Nov 30, 2023

DOI: https://doi.org/10.2478/ethemes-2023-0030

Keywordsbanks, digital banking services - DBS, mobile banking, students’ perspective, youth

© 2023 Slađana Barjaktarović Rakočević et al., published by Sciendo

This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Keywords
banks, digital banking services - DBS, mobile banking, students’ perspective, youth