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This paper builds on research by [20] and examines the influence of eWOM on factors such as social norms, initial trust, perceived usefulness, ease of use, attitude and intention of using mobile banking in the territory of Serbia. The survey was conducted by online and offline questionnaires completed by 501 respondents. The analysis was performed using SPSS22 and AMOS22 tools, where structural equation model (SEM) was used to test the direct influence of eWOM on social networks on the attitudes and intentions of clients to use mobile banking services. In response to the problem, we found a set of factors that influence the attitude and intention of clients to use mobile banking, which managers can emphasize when creating a marketing strategy. Ovaj rad se nadovezuje na istraživanje [20] i ispituje uticaj eWOM komunikacije na faktore kao što su socijalne norme, početno poverenje, uočena korisnost, jednostavnost upotrebe, stav i namera korišćenja mobilnog bankarstva na teritoriji Srbije. Anketa je sprovedena pomoću onlajn i oflajn upitnika koji je popunio 501 ispitanik. Analiza je izvršena pomoću alata SPSS22 i AMOS22, gde je model strukturne jednačine (SEM) korišćen za testiranje direktnog uticaja eWOM komunikacije na društvenim mrežama na stavove i namere klijenata da koriste usluge mobilnog bankarstva. Kao odgovor na problem pronašli smo skup faktora koji utiču na stav i nameru klijenata da koriste mobilno bankarstvo, što menadžeri mogu naglasiti prilikom kreiranja marketinške strategije.

The aim of this paper is to present different models for predicting the possibility of opening bankruptcy proceedings in companies in Serbia, as well as to research which models are most suitable for companies in the agricultural sector. In this paper, we have used and displayed three models: the Altman’s Z-score model, Kralicek’s DF model and Quick test. Many authors have dealt with this issue, but most of them have developed models for developed markets, which are different from market of Serbia. Striving towards improving the analysis and prediction of bankruptcy has led to comparison of the reference value, in order to obtain concrete models for the evaluation of difficulty in the functioning of the company. In this connection, on a sample of five companies operating on the territory of the Republic of Serbia, we have applied three models that used standard financial indicators to show the financial condition and stability of the company. Results suggest that Kralicek’s DF model indicates better financial state of the company than Altman’s Z-score model, considering the characteristics of the market in which the model is formed. Cilj ovog rada je prikazivanje različitih modela za predviđanje mogućnosti otvaranja stečajnog postupka u kompanijama u Srbiji, kao i istraživanje koji modeli su najpogodniji za kompanije iz sektora poljoprivrede. U radu su korišćena i prikazana tri modela: Altmanov Z-score model, Kralicekov DF model i Quick test. Ovom tematikom se bavilo dosta autora, međutim, većina njih je razvijala modele na razvijenim tržištima, koja se razlikuju od tržišta Srbije. Težnja ka unapređenju analize i predviđanja stečaja dovela je do upoređivanja referentnih vrednosti, da bi se na kraju došlo do konkretnih modela za procenu poteškoća u funkcionisanju preduzeća. S tim u vezi na uzorku od pet preduzeća koja posluju na teritoriji Republike Srbije, primenili smo tri modela koji koriste standardne finansijske pokazatelje za prikazivanje finansijskog stanja i stabilnosti preduzeća. Rezultati ukazuju da Kralicekov DF model ukazuje na bolje finansijsko stanje preduzeća nego što je ono prikazano Altmanovim Z-score modelom, upravo zbog karakteristika tržišta na kome je model formiran.