Vol.6, No 2, 2009 pp. 153 - 160
UDC
336.71:004
DIGITAL ECONOMY, DIGITAL MONEY AND DIGITAL BANKING
Predrag Radovanović
High Business School of Leskovac, Serbia
radovanovic_predrag@yahoo.com
Innovations in production and distribution of information cause revolutionary changes in modern society and emergence of a new technoeconomic paradigm ("digital economy"). Information becomes the most important resource in digital economy, while information society's products take the form of digital flows through computer networks, unrestricted by national borders. Sustainable growth of digital economy needs a new form of money. Innovations in domain of payment systems put an end to money dematerialization process: money itself takes the form of digital flows through computer networks. Digital money will be suitable for micropayments and facilitate commodification of information. The new form of money will bring about fundamental changes in economic sphere as well as a radical transformation of banking industry. Contrary to electronic banking, which is complementary to traditional banking, digital banking is a qualitatively new form of banking that is going to be a substitute for traditional banking. Digital money and digital banking will form a framework for digital economy's growth.
Key Words: Innovation, ICTs, digital economy, digital money, digital banking.
DIGITALNA EKONOMIJA, DIGITALNI NOVAC I DIGITALNO BANKARSTVO
Inovacije u proizvodnji i distribuciji informacija uzrokuju revolucionarne promene u savremenom društvu i nastanak nove tehno–ekonomske paradigme ("digitalna ekonomija"). U digitalnoj ekonomiji informacija postaje najznačajniji resurs, a proiozvodi informatičkog društva poprimaju formu digitalnih tokova koji struje računarskim mrežama, nesputani nacionalnim granicama. Za održivi rast digitalne ekonomije potrebna je nova forma novca. Inovacijama u oblasti platnih sistema dovršava se proces dematerijalizacije novca: i sam novac poprima formu digitalnih tokova u računarskim mrežama. Digitalni novac biće pogodan za "mikroplaćanja" i omogućiće komodifikaciju informacija. Nova forma novca dovešće do krupnih promena u ekonomskoj sferi kao i do radikalne transformacije bankarskog sektora. Za razliku od elektronskog bankarstva, koje predstavlja aktivnost komplementarnu tradicionalnom bankarstvu, digitalno bankarstvo je kvalitativno nova forma bankarstva koja će predstavljati supstitut tradicionalnog bankarstva. Digitalni novac i digitalno bankarstvo postaće okosnica rasta digitalne ekonomije.
Ključne reči: inovacije, informaciono–komunikacione tehnologije, digitalna ekonomija, digitalni novac, digitalno bankarstvo.
