DIGITAL SERVICES AS A TOOL FOR CREATING COMPETITIVE ADVANTAGE IN THE BANKING SECTOR IN NORTH MACEDONIA

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Viktorija Stojkovski
Blagoj Nenovski

Abstract

In the last few years participants of the banking sector in North Macedonia are facing big competition as a result of the increased innovations between these participants. The only way for banks to stay relevant with their operations is to create a sustainable competitive advantage. For an organization to hold out in a competitive environment, it needs to develop competitive strategies. One of the aspects of creating a competitive advantage in the banking sector is creating digital services. These services have a high impact on the banking sector and enable banks to have a competitive advantage in different manners. In addition to a theoretical approach to creating a competitive advantage in the banking sector, we conducted empirical research on how banks in North Macedonia create competitive advantage by offering digital services. This paper aims to describe the end-users attitude on digital banking services as well as the bank’s strategies on creating a competitive advantage by offering digital banking services.

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How to Cite
Stojkovski, V. ., & Nenovski, B. . (2021). DIGITAL SERVICES AS A TOOL FOR CREATING COMPETITIVE ADVANTAGE IN THE BANKING SECTOR IN NORTH MACEDONIA. Journal of Liberty and International Affairs, 7(1), 79-93. https://doi.org/10.47305/JLIA21170079s
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Author Biographies

Viktorija Stojkovski, Independent Researcher, North Macedonia

Viktorija Stojkovski is a bank officer in NLB Banka AD Skopje and has three years of experience in the banking sector and is specialized in working with physical entities. She has graduated from the Faculty of Administration and Management of Information Systems at the University St. Kliment Ohridski, Bitola, and got a Bachelor of Science in manager- engineer of Information systems. Later, she has got a Master’s degree in Business Administration and Management at the Faculty of Economics at the University St. Kliment Ohridski, Bitola. She holds PhD in Management from the Faculty of Economics at University St. Kliment Ohridski, Bitola. Her focus of research is in the field of management, business, and information systems.

Blagoj Nenovski, Faculty of Law, University “St. Kliment Ohridski” - Bitola, North Macedonia

Dr. Blagoj Nenovski is Assistant Professor at the faculty of Law, University “St. Kliment Ohridski” in Bitola. He received his PhD with an average grade 10.00 at the faculty of Information and Communication Technologies at University “St. Kliment Ohridski” with his thesis on “Application of augmented reality for time related spatial exploration”. He has published and reviewed multiple papers at international journals and conferences. He is Technical Editor and IT Consultant for an international scientific conference. Blagoj Nenovski is also member at multiple faculty and university commissions and has designed and developed multiple ICT solutions that have academic implementation. He’s fields of interest include: cyber security, cyber safety, legal tech. He is a coordinator at the ICT department for Lawyers.

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