Reflection on Dynamics of the Use of E-Banking Services in Kosovo in the Period 2013-2023

The use of information technology for the performance of banking services through e-banking is a relatively new development in the banking system in Kosovo. The pace of implementation of this service and the customer's reaction to it are evidenced as factors that support the hypothesis for achieving success and expectations for this commitment of the banking system in Kosovo. The current offer, 2023, for e-banking services in comparison with the offer and its realization in 2013 results that it has almost doubled the possibilities and the use of e-banking services by the Kosovar consumer. The identification of the differences between the opportunities offered by the different forms of e-banking services and the identification of the factors that condition the consumer's behavior towards them are valuable information for the design of policies and programs for the continuous development, quantitative and qualitative, of the services -banking in Kosovo. Received: 9 January 2025 / Accepted: 28 February 2025 / Published: 25 March 2025