Outsourcing of banks' information systems has become well established and globally spread, but beyond benefits, it carries risks which are of importance to banks and their clients as well as to banking regulators and supervisors. This article briefly presents reasons, risks and regulatory provisions related to banks' information systems outsourcing in Croatia. Based on two surveys conducted by the Croatian National Bank (CNB), the article explores changes in the scope of information systems outsourcing, perception of risks related to outsourcing and outsourcing reasons in Croatian banks in the period 2005-2012. The article also provides an insight into locations of applications' and information technology (IT) infrastructure processing. Analysis and conclusions stated in the article should facilitate a better understanding of the subject matter.

Ever increasing scope and complexity of regulations and other rules that govern human society emphasise importance of the inspection of compliance to those rules. Often-used approaches to the inspection of compliance suffer from drawbacks such as overly idealistic assumptions and narrowness of application. Specifically, inspection models are frequently limited to situations where inspected entity has to comply with only one rule. Furthermore, inspection strategies regularly overlook some useful and available information such as varying costs of compliance to different rules.This article presents an agent-based model for inspection of compliance to many rules, which addresses abovementioned drawbacks. In the article, crime economic, game-theoretic and agent-based modelling approaches to inspection are briefly described, as well as their impact on the model. The model is described and simulation of a simplified version of the model is presented. The obtained results demonstrate that inspection strategies which take into account rules' compliance costs perform significantly better than random strategies and better than cycle-based strategies. Additionally, the results encourage further, wider testing and validation of the model.

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