ELECTRONIC BANKING AND ELECTRONIC COMMERCE IN SERBIA

Nowadays, we may witness to dramatic and visible changes in our life environment. Business ambient for companies is different every day, and it is very hard to predict a direction of future changes. There is an environment characterized by sharp competition and increasing number of competitors, fast technological improvements and highly sophisticated and informed costumers. Technological process influences the humanity strongly, changing the way that people live, work and spend. Electronic commerce and electronic banking has become incontinent, and makes a great part of today's total transactions. There are an increasing number of companies that perform their business that way and make profit. Social networks are proven to be the least expensive way of information exchange, and they are present in almost every part of the world. The globalization has reached the most distant parts of the Earth. Every resistance to new technologies is dangerous and may lead to bankruptcy. Due to the EU expansion, Internet users are to be expected, and prosperity of the e-commerce business models at the same time. In Serbia, electronic commerce is present, but not as developed as in EU countries. E-commerce, however it might be successful throughout the world, it is somewhat slow in its growth in Serbia. The reasons are numerous, and main obstacles are the lack of trust, still limited usage of banking cards, avoiding of e-payments by older population etc. Also, the recent scandals over the misuse of personal data, and e-crime are discouraging factors for the growth of e-trade and ebanking. The younger generations are ever more ready to use e-commerce, since they are open to new technologies and do not have the defensive attitude towards it. E-commerce and e-banking has growing potential even among older population, if the society prevents them from fear and mistrust

CORRUPTION IN ECONOMY

Ethics in the social life of the people there since ancient times. Not so long ago, jobs were assembled so that, after the deal, people shake hands. Such a ritual was enough to formalize the act of entering into a business deal. Over time, he grew up living standards, it appears that the mistrust between the people grew, the business is not the same as before, and corruption is all over. Countries in transition, going through a period when food is fixed in a sensitive stage and when corruption is playing a very important role in the progress of the economy of a country