| | SLO | ENG | Cookies and privacy

Bigger font | Smaller font
First page > Show document

Show document Help

Title:ELEKTRONSKO BANČNIŠTVO V SLOVENIJI
Authors:ID Miklavc, Sara (Author)
ID Sternad, Simona (Mentor) More about this mentor... New window
Files:.pdf VS_Miklavc_Sara_2010.pdf (825,27 KB)
MD5: 419A0F6A6F30DA7EE78D8EF267C0E25D
PID: 20.500.12556/dkum/8dff8125-398d-4262-83b5-65a8e0c78528
 
Language:Slovenian
Work type:Final seminar paper
Organization:EPF - Faculty of Business and Economics
Abstract:Začetki elektronskega poslovanja segajo v leto 1968, ko se je začel razvoj računalniških omrežij in internet, združevanje informacijske in telekomunikacijske tehnologije ter z uvajanjem RIP-a (računalniške izmenjave podatkov). Elektronsko poslovanje omogoča podjetjem, da povežejo svoje notranje in zunanje procese bolj učinkovito in fleksibilno. Povezovanje z dobavitelji in partnerji postaja tesnejše, kar nenazadnje omogoča boljše zadovoljevanje potreb kupcev oz. potrošnikov. V praksi to pomeni vzpostavljanje novih prodajnih poti, s pomočjo elektronskega trgovanja, tesnejših povezav s kupci in partnerji, ter boljšo učinkovitost s sistemi za upravljanje znanja. E-poslovanje je lahko vodeno preko interneta, intranetov in zavarovanih privatnih ekstranetov. Zniževanje stroškov poslovanja, stroškov trženja in prodaje ter ustvarjanja novih tržnih priložnosti, zniževanje obsega zalog, skrajševanje poslovnega ciklusa in zviševanje kakovosti proizvodov in storitev so koristi, ki jih takšna oblika poslovanja prinaša podjetjem. Kot tudi druge oblike poslovanja tudi elektronsko poslovanje prinaša številne prednosti in slabosti za uporabnike in podjetja. Med druge oblike elektronskega poslovanja spada tudi elektronsko bančništvo. V Sloveniji je leta 2009 elektronsko bančništvo uporabljalo 22,9% populacije 10-74 let, kar je 3,1 odstotne točke več kot leta 2008, ko je tovrstne storitve uporabljalo 19,86 posameznikov v populaciji 10-74, ugotavlja SURS (2009). Če se omejimo na prebivalce Slovenije, ki so že uporabljali svetovni splet, jih je e-bančništvo leta 2009 uporabljalo 33,1%, leta 2008 pa 31,7%. Pri vsesplošnem navdušenju za elektronsko bančništvo pa se je tudi pokazalo, da niso vse banke ubrale prave smeri razvoja oziroma so napravile nekaj napak. Predvsem s stroški, hitrostjo prilagajanja in s trženjem v novih razmerah so povezane najpogostejše napake, ki jih delajo banke pri usmerjanju poslovanja na internetu. V diplomskem seminarju smo preučevali ponudbo slovenskih bank na področju elektronskega bančništva. Ugotovili smo, da je v Sloveniji elektronsko bančništvo zelo razvito, saj ga ponujajo praktično vse banke, katere se zavedajo pomembnosti elektronskega poslovanja po internetu. Prav tako pa smo se tudi poglobili v primerjalno analizo dveh največjih bank na področju Slovenije, banki NLB in NKBM, saj sta bili med prvimi, ki sta svojim uporabnikom ponudile možnost opravljanja bančnih storitev preko interneta. Prikazana je tudi primerjava stroškov v elektronskem bančništvu za izbrane spletne storitve različnih bank v Sloveniji ter primerjava cen ostalih storitev, ki jih nudijo slovenske banke.
Keywords:Ključne besede: slovensko območje, e-poslovanje, e-bančništvo, ponudba e-bančništva, primerjava e-bančništva.
Place of publishing:Maribor
Publisher:[S. Miklavc]
Year of publishing:2010
PID:20.500.12556/DKUM-16016 New window
UDC:336.71
COBISS.SI-ID:10533404 New window
NUK URN:URN:SI:UM:DK:JUYMIDU3
Publication date in DKUM:24.01.2011
Views:3286
Downloads:380
Metadata:XML DC-XML DC-RDF
Categories:EPF
:
Copy citation
  
Average score:(0 votes)
Your score:Voting is allowed only for logged in users.
Share:Bookmark and Share



Hover the mouse pointer over a document title to show the abstract or click on the title to get all document metadata.

Secondary language

Language:English
Title:ELECTRONIC BANKING IN SLOVENIA
Abstract:A beginning of electronic business extended in the year 1968, when development of computer networks and internet started, information and telecommunication technology incorporated and with introduction of EDI (electronic data interchange). Electronic business enables companies to connect their internal and external processes more effective and flexible. Connection to suppliers and partners is becoming closer every day, because it enables better customers and consumers satisfaction. In practice, it means to establish new channels of trade by the means of electronic trade, closer connections to customers and partners, and better effectiveness with systems for knowledge management. E-business can be led over internet, intranet and secured private extranet. Reducing operation expenses, trade expenses, selling and developing new trade opportunities, lowering stock dimensions, shortening of business cycle, increasing of product quality and services are profits that are brought to companies by that kind of business operation. Electronic business like other forms of operation brings numerous advantages and disadvantages for consumers and companies. Between other forms of electronic business belongs also electronic banking. According to SORS (Statistical Office of the Republic of Slovenia) in Slovenia in 2009 electronic banking was used by 22,9% of population between 10 and 74 years, almost 3,1% more than in 2008, when it was used by 19,86% of individuals in the population of 10-74. If we concentrate on inhabitants of Slovenia, who had already used World Wide Web, 31,1% in 2009 and 31,7% in 2008 used e-banking. This overall excitement for electronic banking showed, that not all the banks chose the right way of development and made some mistakes. Most frequent mistakes that are made during directing marketing in the internet are connected to expenses, speed of adaptation and marketing in the new conditions. In my diploma work we studied the offer of Slovene banks in the area of electronic banking. We found out that in Slovenia electronic banking is very well-formed, because it is offered by all the banks, which have realized the importance of electronic business on the internet. We also deepened into the comparative analyze of the two biggest banks in the Slovene area, NLB and NKBM, because they were the first that offered their consumers the possibility of performing bank services with the use of the internet. It shows the comparison of expenses in electronic banking for chosen online services of different banks in Slovenia and comparison of prices of other services that are offered by Slovene banks.
Keywords:Slovene area, e-business, e-banking, offer of e-banking, comparison of e-banking.


Comments

Leave comment

You must log in to leave a comment.

Comments (0)
0 - 0 / 0
 
There are no comments!

Back
Logos of partners University of Maribor University of Ljubljana University of Primorska University of Nova Gorica