20.500.12556/DKUM-94886 Bančna ponudba za segment prebivalstva v razmerah digitalizacije bančništva Banking offer for personal segment in the circumstances of digitalisation of banking Digitalizacija se razširja na vsa področja, in tudi bančništvo ni izjema. Ker so rast, razvoj in obstoj podjetja pogojeni s sposobnostmi prilagoditve, bančništvo pa se sooča z novimi, vedno močnejšimi konkurenti, mora oblikovati sodobne, inovativne in zaželene produkte ter zanesljive strategije za ohranitev komitentov in njihovih vlog, s katerimi se financirajo, ter posledično tudi položaja na trgu. V tem diplomskem delu rdečo nit raziskave predstavljajo gospodinjstva in njihova sredstva v obliki bančnih vlog. Zanimalo nas je namreč, zakaj so sredstva gospodinjstev tako pomembna za banke; kakšne produkte bankam narekujejo trendi inovacij in kakšna je trenutna ponudba bank za segment prebivalstva ter kolikšna je njena stopnja konkurenčnosti v primerjavi z novimi produkti digitalnega bančništva. V teoretičnem delu smo se posvetili razlagi širokega pojma virov financiranja, saj depoziti komitentov igrajo ključno vlogo pri transformaciji sredstev, ki je primarna naloga banke. Pri tem smo ugotovili, da prihodnji obeti glede vlog kažejo na kontinuirano rast in ohranjajo vloge gospodinjstev na prvem mestu po pomembnosti med viri financiranja za banke. V praktičnem delu smo opravili analizo in primerjavo bančnih paketov med tradicionalnimi bankami ter neobankami, ki prav tako prodirajo v slovenski prostor in nagovarjajo stranke z drugačnim, zelo osebnim pristopom. S pomočjo raziskave smo opredelili in izpostavili dobre ter manj dobre strani paketov in dobili vpogled v stanje na trgu ter na stopnjo konkurenčnosti posameznih paketov oziroma bank. Digitalization is expanding into all areas, and banking is no exception. Since a company’s growth, development, and survival depend on its ability to adapt, and given that banks face new and increasingly powerful competitors, it must create modern, innovative, and attractive products as well as reliable strategies to retain clients and their deposits, which serve as a key source of bank funding and, consequently, underpin their market position. In this thesis, the research focuses on households and their financial assets, specifically bank deposits. We set out to examine why household funds are so important for banks, what kinds of products banks are developing in response to innovation trends, what retail-segment offerings they currently provide, and how competitive these offerings are compared with. The theoretical part of the thesis explains the broad concept of funding sources, since customer deposits play a key role in asset transformation, which is the primary function of banks. Our findings indicate that prospects for deposits point to steady growth, confirming that household deposits remain the most significant source of funding for banks. In the empirical part, we analysed and compared banking plans offered by traditional banks and neobanks, which are also entering the Slovenian market and appealing to clients with a different, highly personalised approach. This research highlights the strengths and weaknesses of these plans, providing insight into the market situation and the degree of competitiveness among individual plans and banks. financiranje bank inovacije v bančništvu FinTech neobanke umetna inteligenca bančni paketi bank funding innovations in banking FinTech neobanks artificial intelligence bank account plans true true false [A. Rebernik] Slovenski jezik Angleški jezik Delo diplomskega projekta/projektno delo 2025-08-29 02:29:33 2025-10-27 11:33:54 2025-10-28 03:24:12 0000-00-00 00:00:00 2025 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 254876931 UN_Rebernik_Andreja_2025.pdf UN_Rebernik_Andreja_2025.pdf 1 9B368E2F33D4D67FE7FB5B54E77CB21A 6c9267adc5090d8f112b08e4e7962b0ed3bcdd44960ec88c53f4f07cd82c9e0d dad5e11b-9dee-11f0-99e2-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=199403 Ekonomsko-poslovna fakulteta 0 0 0