UVAJANJE SPLETNEGA BANČNIŠTVA IN NJEGOV SPREJEM S STRANI KOMITENTOV

Bezjak, Aleš

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Title:	UVAJANJE SPLETNEGA BANČNIŠTVA IN NJEGOV SPREJEM S STRANI KOMITENTOV
Authors:	ID Bezjak, Aleš (Author) ID Bobek, Samo (Mentor) More about this mentor... ID Bastič, Majda (Comentor)
Files:	MAG_Bezjak_Ales_2010.pdf (1,11 MB) MD5: D1990809F3EDE1EC1C103082482A67C3 PID: 20.500.12556/dkum/50ef031b-c555-463d-b89b-dbd220dd5968
Language:	Slovenian
Work type:	Master's thesis/paper
Organization:	EPF - Faculty of Business and Economics
Abstract:	Banka je imela v svojem nastanku in zgodovinskem razvoju raznolike funkcije, od hranjenja takrat kovanega denarja, pa vse do funkcije financiranja. Predvsem raznovrstna ponudba bančnih storitev postaja danes, v obdobju številnih prevzemov, združitev in predvsem močne konkurence med bankami, vse bolj pomembna. V kolikor želi sodobna banka preživeti in uspešno poslovati na trgu, mora svojim komitentom ponujati celo paleto storitev in svoje stranke postavljati na prvo mesto ter jim zagotoviti dostop do najboljših storitev in izdelkov. Predvsem pa si morajo prizadevati, da bodo prihranki njihovih komitentov čim bolj varno naloženi. Zato banke pospešeno iščejo predvsem učinkovite rešitve pri uvajanju njihovih tržnih poti in razširitvi ponudbe bančnih storitev, kar jim omogoča tudi nova tehnologija, ki je v določeni meri spremenila organizacijske prijeme določenih bančnih storitev. Spletno bančništvo je banki ponudilo nove načine in poti komuniciranja ter možnost uvajanja novosti. Danes banka brez podpore elektronskega bančništva in predvsem spletnega bančništva ne bi mogla preživeti. Banka bi počasi začela izgubljati komitente, klasično poslovanje bi predstavljalo velike stroške, ki jih ne bi mogla minimizirati in tako bi izgubila konkurenčno prednost. Pogoj za uspeh je pripravljenost na hitro in konstantno prilagajanje spremembam na trgu, izkoriščanje novih priložnosti in prisluhniti željam komitentov. Banke, ki že poslujejo elektronsko, ugotavljajo, da bi svoje poslovanje lahko še pospešile in pocenile, če bi bilo več njihovih partnerjev pripravljenih na elektronsko poslovanje. Med ovirami za hitrejše uvajanje podjetja navajajo nerazvit domači trg, pomanjkanje ustrezno izobraženih kadrov, visoke stroške informacijske tehnologije, premalo uporabnikov posamezne storitve, nezaupanje, drago in nezanesljivo infrastrukturo ter pomanjkanje ustreznih zakonskih okvirov in družbenega konsenza za uveljavitev informacijske družbe. Ugotavljajo tudi, da bi zagotavljanje nekaterih infrastrukturnih rešitev na ravni države olajšalo uvajanje elektronskega poslovanja.
Keywords:	Bančne storitve, odjemalci, komitenti, komercialisti, e-bančništvo, spletno bančništvo, elektronsko poslovanje, uvajanje.
Place of publishing:	Velika Nedelja
Publisher:	[A. Bezjak]
Year of publishing:	2010
PID:	20.500.12556/DKUM-15032
UDC:	336.71
COBISS.SI-ID:	10443292
NUK URN:	URN:SI:UM:DK:TCC835ZY
Publication date in DKUM:	26.11.2010
Views:	2646
Downloads:	374
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	INTRODUCTION OF WEB BANKING AND HIS ACCEPTANCE FROM SIDE OF BUSINESS PARTNERS
Abstract:	Bank had at their beginning and historical development always many of a different kind functions from saving of the forged coins to function of funding. Above all things the number of banking services today is at most important in the modern age of fierce competition, bank merging and bank takeovers. In order for modern bank to survive and be successful on market it has to offer their commissioners whole package of services. They have to place the clients first and offer the access to the best services and products. Most of all they have to strive to secure the savings of their commissioners and place them in safe investments. Thus the banks search for the most effective solutions in introducing of theirs new market courses and expanding of banking services, which is enabled with the new technology. New technology is changing in some kind the arrangement of some banking services. Web-banking offers the bank the new ways of communicating and introduction of novelty. Bank today is not able to survive without of support of e-banking and web-banking. The bank would lose its clients without the support of electronic business, classic operations would become too expensive, there is no reducing of growing expenses and with it the bank would lose its advantage in competition. Condition for success is readiness for swift and constant adjustment to situation in market, exploitation of new opportunities and listening and adjustment to the wishes of clients. The findings of banks that are already in electronic business are that they could accelerate and drop the price of their services if they could make their partners to join in the electronic banking business. The enterprises are putting as obstacle in the development of electronic business the underdeveloped home market, too little of educated commercial clerks, too few users of e-services, mistrust to new technology, expansive and unreliability of new technology and infrastructure, and lack of law boundaries and consensus of society for enforcement of information service society. In the end if there would be some kind of the assurance of some infrastructure solutions from the state; that would lighten the introduction of electronic business.
Keywords:	Banking service, consumer, client, commercial clerk, e-banking, web-banking, electronic business, introduction.

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