At the panel ‘Faster, Simpler, and Safer Financial Flows’ at this year’s Lider Financial Forum, speakers agreed on one thing – the future is digital, it’s just a question of how quickly we will get there.
The Executive Director of Legal and Regulatory Affairs at Telemach Croatia and President of the Croatian Chamber of Commerce Association of Telecommunications and Postal Services Morana Čulo Jovičić emphasized that digital infrastructure is not something that is “nice to have,” but a necessary foundation without which digital services could not function.
– We have been talking about digitalization long before it became a trend. Without investment in digital infrastructure, none of this would be possible today – Čulo Jovičić pointed out, adding that telecoms form the foundation on which digital transformation begins.
However, the path to complete digitalization is not simple. – We encounter significant resistance from users – although digital sounds useful to them, they still prefer paper, they like to pay paper bills – she explained. She sees the reason for this in low digital literacy, which is not only a Croatian problem but a broader European issue.
– Without firm measures and clear deadlines, there will be no real digital leap – she stated.
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The Director of Texela Božidar Andrija Lukša reminded that the differences among entrepreneurs are enormous.
– We have technological enthusiasts, but also entrepreneurs who have been working under the same model for 35 years and find it hard to accept changes – he said. According to him, digitalization is not just a matter of technology, but also of organizational culture.
– Most entrepreneurs receive eInvoices, but only a small portion send them. Fiscalization 2.0 should change that and bring a true digital revolution in accounting – he stated. A particular challenge, as he notes, is educating employees to take on some of the administrative tasks that digital tools enable – which often meets with resistance.
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