engleski

Sophisticated Financial Institution's Smart Card Infrastructure

Highly developed and very sophisticated financial institution’s smart card infrastructure in Croatia could be used for public sector services enhancement. During last fifteen years banking in industry in Croatia has changed dramatically, transforming its participants from socialistic mastodons oriented almost exclusively towards commercial sector to very modern retail customer oriented institutions. As now day’s retail customer business, with credit and debit card business in its centre, relies heavily on smart cards infrastructure, implementation of these technologies grove rapidly over the last ten years, resulting in Croatian banking sector being one of the most card competitive ones in Europe. Furthermore, ICT oriented services on already existing electronic distribution channels infrastructure, along with tremendous level of rivalry between market competitors and constant pressure on credit growth imposed by Croatian National Bank are turning banks focus on services itself, instead of credit margins, as future profit pipelines. On the other side we can witness that Public sector services offered to Croatian citizens by Ministries, Counties and Cities are taking much slower paste, although past Croatian Government took strong commitment towards E-Government projects. The aim of this paper is to analyse certain smart card technology attributes which could improve and quicken up Public sector services varying from healthcare to public transport and to investigate possibilities of reusing currently existing smart card infrastructure owned by the banks.

smart card technology; public sector; e-government project; financial institutions

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