Citizens using e-banking pay from 15% to 50% lower commissions compared to those making payments at Montenegrin banks’ counters.
Some of the benefits are easier management of personal finances and mobility, since there is no queuing.
Nevertheless, e-banking in Montenegro is still below the level of developed European markets, bankers claim.
“On one side we have a large number of mobile phone users in Montenegro and we are leaders in that segment. On the other hand, we have a paradox that possibilities provided by such a device as a smartphone are not fully used,” Bojan Buric, director of the Erste Bank’s Direct Channels Division, told Dnevne Novine.
He points out that a similar situation was with bank cards, but that has changed now.
As for CKB, every one in four clients has activated this service. Depending on a transaction, these clients pay commissions 15%-30% cheaper. “Payment amounts via e-banking are 20% cheaper than payments at counters, and the commissions depend on the amount of payment, the time of the order execution, as well as on whether the payment is external or internal”, CKB explains.
