Published Paper Details:

This dissertation addresses the importance of a business model from businesses in Kosovo, which is able to adapt innovations from the banking sector such as digital services, and through which become part of a global market where such developments occur step by step. very fast At the beginning of this paper will be given definitions related to the main concepts that are addressed such as business model, innovations in banking services - digitalization of services and the role and importance of linking a business model with banking services of the time. After the theoretical part, from which the main concepts of this paper are understood, the process of adaptation of innovations in banking services by businesses in Kosovo is presented, the difficulties that businesses have gone through to adapt these services as well as the banking sector to transmit them. to customers the latest services they offer. At the same time, the investments of the banking sector in the digitalization of services in countries with developed economies and the pace that the banking sector in Kosovo is following will be presented. And at the end of this paper are given recommendations that can be used by various companies in the country which still have reservations to adapt such a service technology in the bank and can understand that the use of digital banking services creates the opportunity for a easier business management, increasing money security, avoiding fraud and other benefits.