Improving Financial Performance through the Development of Digital Banking Products: A Case Study of Halkbank AD Skopje

Ajnur Maksudi (), Shpresa Alija (), Teuta Veseli-Kurtishi () and Liridona Seferi ()
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Ajnur Maksudi: South East European University, Faculty of Business and Economics
Shpresa Alija: South East European University, Faculty of Business and Economics
Teuta Veseli-Kurtishi: South East European University, Faculty of Business and Economics
Liridona Seferi: South East European University, Faculty of Business and Economics

Chapter Chapter 39 in Economic Resilience and Sustainability—Vol. 1, 2025, pp 665-675 from Springer

Abstract: Abstract This study examines how digital products and technological innovation influence the financial performance of Halkbank AD Skopje, focusing on key digital services such as e-banking, online credits, deposits, and automated services. With rising customer expectations for fast and secure digital services, Halkbank’s strategy of digitalization has enhanced competitiveness, improved operational efficiency, and contributed to a 13.7% increase in financial outcomes. The research highlights the benefits of digital services, including cost reduction, automation, and improved customer experience, while also identifying lower impacts in areas like digital insurance policies. Additionally, the study emphasizes Halkbank’s continuous investment in cybersecurity and digital innovation to maintain competitiveness in a dynamic financial market, bridging traditional and modern banking services.

Keywords: Financial performance; Digital products; Traditional products; Halkbank; Technology; Digital innovation and cybersecurity (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-032-04218-7_39

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DOI: 10.1007/978-3-032-04218-7_39

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