How is technology changing our relationship with money—and does easier access to financial services necessarily lead to better financial decisions? These questions framed an episode of Uloži se, featuring Zorana Branković, Chief Operating and Chief Technology Officer at Banca Intesa in Belgrade.
Hosted by Dušan Obradović, Director of SEE UP Accelerator, alongside accelerator mentor Professor Ernest Vlačić, the conversation explored the intersection of financial literacy, digital banking and entrepreneurship, connecting the evolution of banking technology with the everyday decisions facing individuals and businesses.
The discussion began with Branković’s career journey and her involvement in the early development of mobile banking in Serbia. Looking back at the introduction of mobile banking applications in 2010, the hosts explored a challenge that remains relevant today: how to build trust when technology changes the way people access and manage their money.
From those early applications to digital wallets and one-click payments, the conversation followed the growing convenience of financial services. It also raised a more challenging question: are these tools helping people become more financially responsible, or simply making it easier to spend and borrow? Financial literacy was a central theme, including common misconceptions about credit, debt and the role banks can play in helping customers make informed decisions.
For entrepreneurs, the discussion turned to financing a business and understanding when borrowing supports sustainable growth—and when it merely postpones underlying financial problems. The hosts also explored how large banks assess innovation, distinguishing between technologies that attract immediate attention and solutions that deliver lasting value.
Branković’s involvement in angel investing brought a further perspective to the conversation, opening up questions about opportunities for fintech founders and what established financial institutions can learn from startups.
Looking ahead, the episode examined the potential role of AI assistants in budgeting, saving, investing and choosing financial products. The discussion considered which decisions people might delegate to technology, where human judgment remains essential, and how banking could evolve as financial services become more deeply embedded in everyday life.
Through these themes, Uloži se connects financial education with the technological changes shaping the sector, inviting audiences to consider both what new tools make possible and what individuals still need to understand to use them well.