Original scientific paper
https://doi.org/10.17559/JF-2026010000023
ANALYSIS OF COLLECTION OF PLACEMENT OF BUSINESS ENTITIES WITH BANKS IN THE CONTEXT OF CYBER SECURITY
Maja Vretenar Cobović
orcid.org/0000-0002-7225-147X
; University of Slavonski Brod, Trg I. B. Mažuranić 2, 35000 Slavonski Brod, Croatia
*
Marina Brčelić Kovačević
; University of Slavonski Brod, Trg I. B. Mažuranić 2, 35000 Slavonski Brod, Croatia
Jasna Vujčić
; Matija Antun Reljković High School, Ivana Cankara 76, 35000 Slavonski Brod, Croatia,
* Corresponding author.
Abstract
In modern banking business, effective payment of placements to business entities is inextricably linked to ensuring cyber security. The complex collection process includes continuous monitoring of overdue obligations for various types of placements (long-term and short-term loans, revolving loans, guarantees, etc.). Credit placements and guarantees, as a significant part of the banking portfolio, represent a complex and large-scale collection segment, requiring precise monitoring of payment dynamics and prompt reaction to possible delays. Communication with business entities during the billing process is exposed to an increasing risk of cyberattacks, which makes cyber security an indispensable element. This paper therefore aims to describe in detail the process of collection of placement of business entities and to investigate and analyze its connection with cyber security. In the paper, the authors use a number of scientific research methods (methods of analysis, comparison, induction, deduction, description and classification, etc.) as well as certain statistical and mathematical methods. The research methodology is based on the survey method using an online questionnaire instrument. The research results obtained show that a certain level of cyber security significantly contributes to the success of loan collection within the banking system.
Keywords
banks, business entities, credit placements, cyber security
Hrčak ID:
343905
URI
Publication date:
30.1.2026.
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