Jelena Antonijevic Zavrsni Rad Elektronsko

Societe Generale

: :

2008/371

,

2012.

Societe Generale

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, . .

Eric Hoffer

Societe Generale

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: ............................................................................................................................................... 4

1. . ................................ 5

2. ......................................................................... 7

2.1. - . ........................................... 7

2.2. - ........................................................................................... 10

2.2.1. . ................................................................................................... 11

2.2.2. ...................................................................................... 12

2.2.2.1. . .............................................................................................. 12

2.2.2.2. POS ....................................................................................... 13

2.2.2.3. .............................................................................. 14

2.3. ..................................................................................... 14

3. : SOCIETE

GENERALE ............................................................................................... 16

3.1. . .................................................................................. 16

3.2. Societe Generale ...................................................... 17

3.3. ..................................... 20

3.4. ..................................... 27

3.5. .............................................. 30

........................................................................................................... ................33

.......................................................................................................................35

Societe Generale

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, . (e-banking) , Web , . , , . .

, . -. n-line , . .

, . .

, . , , .

. - , - , POS . , , .

- Societe Generale . , , , , .

Societe Generale

5

1.

, , , .

, . , .

, ( ) , , . , , .

. 30- . () . , - . , . , .1

, . :2

- Brick and mortar - - Brick and click -

- Virtual bank- on-line - M-banking-

.

(E-banking) , Web , . - , , , .

. .

1 ., (2007) , , , .20 2 , .24

Societe Generale

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. , . (remote banking) on-line . , .3

, 1918., FED- . , 50- Bank of America , 70- . , 90- . on-line . , SFNB (Security First Network Bank) 1995. -.

. . , (, , ).

. , . - .

. - : , , , , , , , , , , .4

:

) , , ,

) , ,

) ( , ) , .

3 .,(2006) , , , , 1 4 , .4

Societe Generale

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, , . , , , . , . , , . ( ), . .

:

1) 2) .

:

1) - (retail banking) 2) - (corporate banking).

2.

2.1. -

, , . . , .

52,1% , 1,7% 2010. , 5,3% 2009. , 11,3% 2008. . : 61%, 53%, 47,2%. 41,2% , 2,2% 2010. , 4,5% 2009. , 8% 2008. .

51,6%. 42%, 36,3%.

Societe Generale

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1: ,

: , 2011.,

88,7% , 27,8% , 15,7% . 8,5% 2010. . , ( 2,3%)

, , ADSL 50,6% , 29,6%, WAP GPRS 24,1% , 7,8%..

. 600 (83,8%), 300 25,9%.

85,3% , 2010. 82,7%.

63.2% . ( 2)

Societe Generale

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2: ( ) 3 2011.

: , 2011.,

98,1% , 0,3% 2010. . ( 250 ) ( 50249 ) 100%, (1049 ) 98%.

Linux (57,9%). , 97,2% . ( 3)

3:

: , 2011.,

Societe Generale

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2.2. -

- , , , . - (. 70 80%), ( 1/3). , , , .

, - , . , . , , -, , .

- (-), - .

() , , , . , , , 24 . , , , ,( ), .5

, , - . , , . , , - . : RTGS . , , . .

5 .,(2008) - , , , , , 16.7.,. 6

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2.2.1.

2002. . . , , .

. , , . , .

2003. , 400 . 2005. 3,8 . II 2012. , 5,9 .

1. 2012.

. *

4.922.604 938.186 105.270 5.966.060 2.071.821 534.315 64.376 2.670.512

4.926.751 933.396 106.452 5.966.599 2.105.730 532.334 65.413 2.703.477

: 6

. , , 33 , 31 , 2011. 6,3 . , 85 . , DinaCard - , 42 , Visa 36 , MasterCard 22 . 7

2012., 12,58, 3933 . 8

6 http://www.nbs.rs/export/sites/default/internet/latinica/35/statistika/platne_kartice/broj_i_aktivnost.xls 7 http://www.pks.rs/Vesti.aspx?IDVestiDogadjaji=1753 8 http://www.nbs.rs/export/sites/default/internet/latinica/35/statistika/platne_kartice/broj_i_iznos.xls

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4: 2009-2012. ( II 2012.)

: 9

2.2.2.

, POS , . , , , POS , . , .

2.2.2.1.

. , 3000 , . 2005. 837. . 2009. 2723. ( 2) .

, 89 Societe Generale .

2009. 48 , 2011. 57 .

9 http://www.nbs.rs/export/sites/default/internet/latinica/35/statistika/platne_kartice/broj_i_aktivnost.xls

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2: , 2009. II 2012.

. .

* .

2009 2.723 48.123.180 263.782

2010 2.857 51.986.007 312.659

2011 2.830 57.490.112 372.483

2012 (II ) 2.955 30.093.889 201.679

: 10

II 2012. , 01.01-30.06.2012. , 30 . 2012. 200 .

2.2.2.2. POS

POS (Post of Sale) . 2009., 59058 POS . 2010. POS a 57459 , 2011. . , 2012. 62006 POS ( 3). 2012. 40 . 90 ,

3: POS , 2009. II 2012.

. .

. . POS

POS

2009 59.058 57.457.802 124.832

2010 57.459 64.210.478 141.573

2011 58.012 74.729.116 161.486

2012 (II ) 62.006 40.963.960 89.413

: 11

10http://www.nbs.rs/export/sites/default/internet/latinica/35/statistika/platne_kartice/broj_i_promet_prihvatna_m

reza.xls 11http://www.nbs.rs/export/sites/default/internet/latinica/35/statistika/platne_kartice/broj_i_promet_prihvatna_m

reza.xls

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2.2.2.3.

. , . online desctop online PC . 2011. 52,1% , 82,5%.12 , - -.

. , . -. , , .

. . 13 -, . .

, , SMS (Short Message Service) , SMS-. prepaid .

2.3.

-o, . . . - . 50 , , - . - .

12 , 2011., , .2 13 http://elektronskoposlovanje.rs/mobilno-bankarstvo/

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-, .

, 50 , 70 .

- , . , , "" , SMS - .

. . , .

. , . , , . , , . , . , .

: , . , : , .

Pexim . , , . , , , . Logosa Pexim- 247. . , .

. www.krediti.rs, .

Societe Generale

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. .

. , . . , 50 , . , , . .

3. : SOCIETE GENERALE

3.1.

Societe Generale 4. 1864. III. , , .

140 , Societe Generale Group . 83 128 , 32 157.000 .

Societe Generale , :

2006. (the Banker)

(Euromoney 2007.)

, ( Euromoney 2007.)

(Euromoney 2010.)

Societe Generale 1977. , . 12. 1991. , Societe Generale Yugoslav Bank, . , .

Societe Generale

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2001. , . 2001. . , Societe Generale 90 .

, Societe Generale , , Societe Generale .

Societe Generale Societe Generale . 2005., 20 47 . 2006. , 63 ( 2004. 25 ), 2006. 6.344 2, , .

2007. Societe Generale 30 , 1977. . 2007. , Societe Generale .

3.2. Societe Generale

Societe Generale Visa MasterCard , Dina Card.

Dina Card . , Societe Generale , .

VISA Societe Generale VISA Classic, VISA Electron Domestic, VISA Electron International, VISA Glod, VISA Alterna VISA O-la-l.

Visa Classic . . / UNIQA .

Visa Electron Domestic .

VISA Electron International ( ).

VISA Glod 24 . 20% , , .

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VISA Alterna Societe Generale . , . Visa Alterna 10% 75%.

VISA O-la-la :

: 5% 10%

MasterCard Societe Generale aestro, Standard, Plus, Semestro Masterata. Maestro Societe Generale MasterCard .

1: Societe Generale

http://societegenerale.rs14

MasterCard Standard Societe Generale 40 . Visa Classic . MasterCard Plus Societe Generale . Semestro .

Societe Generale Masterata. Masterata ,

14 http://www.societegenerale.rs/index.php?id=52

Societe Generale

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, . , 30 .

, POS .

Masterata :

1) POS Societe Generale Societe Generale :

6

30 , 30

6

2) 3.000 POS Societe Generale :

3 6

30 , 30

6

3) POS 3.000 , Societe Generale . :

5%

10.

. Societe Generale, . 60.000 , 30.000 . Societe Generale . Societe Generale, , 30- . VISA Alterna MasterCard Standard , 30- 30.000 , VISA Glod 100.000 .

, , . Societe Generale , . 1.000 , 250

Societe Generale

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. Societe Generale , 30- . VISA Alterna MasterCard Standard , 30- 30.000 , VISA Glod 100.000 .

.

UNIQA ...

.

POS

UNIQA ...

3.3.

, , . : SOGE home-bank, j (Mobilia), (Vocalia) .

Societe Generale

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SOGE home-bank

SOGE home-bank (-banking), Societe Generale . SOGE home-bank , .

, SOGE home-bank , . . SOGE home-bank 128- SSL . ID, , SOGE home-bank. ( 2).

2:

: http://www.societegenerale.rs/

3: SOGE home-bank

: http://sogehomebank.com

Societe Generale

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SOGE home-bank , Societe Generale , .

SOGE home-bank SOGE home-bank www.sogehomebank.com. SGHB .

, :

a PC korisnike:

Pentium 2 400Mhz CPU, 64 , SVGA 800x600 , ( 28.8), Windws 95 ( Linux KDE / GNOME), 128- SSL , , Internet Explorer 6.0 , Firefox 2.0 .

Apple Macintosh :

Macintosh Plus, 32MB RAM , ( 28.8Kbps), System 7 , 128- SSL , MS Internet Explorer, 6.0 , Firefox 2.0 .

:

) SGHB, :

( 4)

SGHB

. ,

, .

, 24 ,

, .

,

.

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4: SOGE home-bank-


5: SOGE home-bank-


) :

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SGHB ( 5)

200 ( 6)

, . , , .

SGHB , SOGE home-bank Vocalia .

. , :

SGHB.

6: SOGE home-bank-

:http://sogehomebank.com

, , .

Societe Generale

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.

SGHB, ( 7) 24 , , .

16:00 . , .

Societe Generale SOGE home-bank . .

7: SOGE home-bank-


j (Mobilia) j Societe Generale 24 7 . , VIP, .

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:

1. Societe Generale

2.

, . .

SMS :

1. , ,

2.

3.

4.

3 :

1. SMS

2. SMS 2377

3.

j (Vocalia)

. :

1.

2.

3. /

4. 5

5.

6. IBAN

7. SOGE home-bank

3 :

4. (011) 30 11 555, 1

5.

6.

SMS

prepaid . SMS .

Societe Generale

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, VISA Societe Generale :

24 , (roaming)

- VISA

prepaid

, :

VISA Societe Generale

Societe Generale mPIN

,

SMS :

SMS mPIN -

, SMS .

3.4.

. Societe Generale , .

(Vocalia corporate)

. Societe Generale , :

, VISA Business ,

24 , 7

Societe Generale

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.

:

1)

, VISA Business .

2)

, .

3)

VISA Business , . VISA Business .

4) IBAN

, IBAN .

5)

, , .

6)

.

(Mobilia Corporate)

Societe Generale , :

, ,

24 , 7 ,

: 2377

,

:

Societe Generale

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HAL E-bank

SmartCard , HALCOM .

HAL E-bank-:

SmartCard

HAL E-bank- , HAL E-bank , HAL E-bank , Societe Generale .

HAL E-bank :

VISA Business

SmartCard

, HAL E-bank-:

HAL E-bank personal -

Societe Generale

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HAL E-bank - ,

:

Societe Generale Pentium II 300MHz, .

HAL E-bank 20% 35%. PIN code SmartCard , .

SOGe-banking

SOGe-banking . , .

:

PDF, XML TXT

VISA Business

E-mail PDF, XML TXT

SOGe-banking . . Societe Generale . , .

: SOGe-banking CD-ROM-, Windows XP 2000 Internet Explorelom 5.5

3.5.

Sogecash Net International. , .

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: (Lite ), (Advanced) (Complete).

(Lite)

. :

-

-

- VISA Business

-

Napredni (Advanced)

.

:

+

PDF

VISA Business

Kompletni (Complete)

. . SOGe-banking .

:

+

Multi-bank

Societe Generale

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multi-bank

20

Sogecash Net International , , . Societe Generale . , .

:

Sogecash Net International , Win98, ME, Win2000 i XP, i Internet Explorer 4+ ili Netscape Navigator 4.4+.

Societe Generale

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, , , , - (retail banking) - , .

, . , , , . , , 24 , 7 .

, . , . , , , , . .

, , , . .

, Societe Generale . . , . , . : SOGE home-bank, , SMS . , , HAL E-bank , SOGe-banking. , Sogecash Net International. SOGE home-bank, , . .

, ,

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. , , , , . , .

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:

1. ., (2007) , , ,

2. Gup, Benton E., (2003) The Future of Banking, Greenwood Publishing Group

3. ., (2007) : / , , ,

4. ., (2008) - , , , , ,

5. ., ., (2010) , .6 / .1 , ,

6. ., (2008) , ,

7. ., (2007) , ,

8. , (2009) , ,

9. ., (2006) , , , ,

:

10. www.nbs.rs

11. www.pks.rs

12. www.societegenerale.rs

13. www.sogehomebank.com

14. www.elektronskoposlovanje.rs

15. www.krediti.rs

16. www.banke.online.rs

17. www.stat.gov.rs

Documents

Jelena Antonijevic Zavrsni Rad Elektronsko