Nowdays, innovation and information technologies are used in every part of society, including economy. Maybe the biggest changes this type are seen in banking sector. Those changes are reflected in usage of payment cards, development of internet banking and,in recent time, mobile banking. Bosnia and Herzegovina, as country in transition, is still behind world trends, but in this field we can see significant improvement. Of all electronic ways of payment, in our country most common are payment cards, but we can say that other ways of payment are being more used as well. Availability and distribution of new technologies influence on people to turn to this type of banking and banks constantly introduce innovation to ease access to their clients and increase scope of business in this way.

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