Digitalna ekonomija, digitalni novac I digitalno bankarstvo
Digital Economy, Digital Money And Digital Banking

Summary/Abstract: 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.

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