Prevod obezbedili autori RezimeAko je prošlu deceniju bankarskog poslovanja obeležila prekomerna kreditna ekspanzija, danas govorimo u deceniji njegove digitalne transformacije. Usled uticaja digitalnih medija, velikih tehnoloških i promena u potrebama potrošača, banke su izložene digitalnom narušavanju svog poslovnog modela spolja i iznutra, što dovodi do inovacija u proizvodima, uslugama, distributivnim i prodajnim kanalima, poslovnim modelima i organizacionoj kulturi. Sektorske analize ukazuju da će buduća dobit sektora biti preusmerena ka onim finansijskim organizacijama koje uspešno koriste digitalne tehnologije za automatizaciju svojih procesa i kao analitička oruđa, kreiraju nove usluge i vrednosti za klijente koji žele da im banka bude uvek i svuda dostupna i transformišu organizacionu kulturu u agilnu i orijentisanu ka inovacijama. Uspešne bankarske strategije zasnovane su na razumevanju kako digitalna transformacija poslovanja može da stvori novu vrednost, tržišnim promena, a koje donose fin-teh inovatori, sveobuhvatnom poznavanju navika i očekivanja klijenata i postavljanju prioriteta prema investicijama u digitalno poslovanje.Ključne reči: bankarski sektor, banke, digitalna transformacija, elektronsko poslovanje, fin-teh JEL: G21, O32 Primljen: 24.02.2016. Prihvaćen: 29.03.2016 SummaryIf the previous decade in the banking business was marked by excessive credit expansion, today we are talking about a decade of its digital transformation. Under the influence of digital media and tremendous changes in technology and consumer needs, banks are exposed to digital disruption of their business models both from the inside and outside, which all leads to innovations in products, services, sales and distribution channels, business models and ultimately organizational culture. Sector analyses are showing that future profits will be redirected towards those financial organizations which successfully deploy digital technologies for process automation and as analytical tools, create new services and values for their clients who want their bank to be accessible at all places and all times, and which transform their organizational culture to an agile and innovation-oriented one. Successful banking strategies will be based on understanding how digital business transformation can create new value -on market changes brought by fin-tech innovators, on comprehensive understanding of customer habits and expectations, and setting up investments into digital business as the key priority.Keywords: banking sector, banks, digital disruption, online business, fin-tech UvodProfesor Univerziteta Harvard i stručnjak iz oblasti inovacija Klajton Kristensen (Clayton Christensen) je u svojoj analizi koncepta inovativnosti ukazao na razliku koja postoji između inovacija koje ometaju i narušavaju tradicionalno poslovanje, i onih koje ga unapređuju (1997, str. 144). Inovacije koje narušavaju nastaju uvođenjem novog proizvoda ili usluge na tržište, ciljajući mali segment potrošača. S rastom njihove popularnosti, dobijaju širi prihvat i...

Marketing in the digital age is driven by software and algorithms, and is characterized by sociability, networking and personalization, which make children profitable targets for the advertising industry. Relying on a survey on UNICEF's U-Report platform registering children and youth, we wanted to examine whether young internet users in Serbia are aware that their personal data are revealed for advertising purposes and if they understand the digital marketing techniques that they are exposed to. Given that more than half of the survey respondents opened their accounts on social media before the age limit, that most of them share their personal information online and are largely indifferent to cookies on the websites they visit, it does not come as a surprise that young internet users in Serbia become an active target of advertising, which is often unwanted or inappropriate for their age. Bearing in mind the multidisciplinary nature of the topic, the recommendations for a variety of stakeholders, from publishers to creative industries and parents are given in the concluding remarks.   Article received: April 30, 2020; Article accepted: May 30, 2020; Published online: October 15, 2020; Original scholarly paper

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