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Title:Varnostni vidiki spletnega bančništva : diplomsko delo univerzitetnega študija
Authors:ID Prodanović, Stanislav (Author)
ID Bernik, Igor (Mentor) More about this mentor... New window
Files:.pdf UNI_Prodanovic_Stanislav_2012.pdf (2,23 MB)
MD5: CEC3C15B9169643139F11A53FAF27D2D
PID: 20.500.12556/dkum/ccbc1411-e261-4d71-8009-0ded8ed07603
 
Language:Slovenian
Work type:Bachelor thesis/paper
Typology:2.11 - Undergraduate Thesis
Organization:FVV - Faculty of Criminal Justice and Security
Abstract:Banke imajo, kot osrednje finančne institucije, veliko zaslug za hiter razvoj informacijske tehnologije. Če je bila še pred približno 15 leti tehnologija bank skrita pred očmi javnosti, je danes preko elektronskega bančništva povezana s komitenti bank, saj se je v zadnjem desetletju elektronsko bančništvo izkazalo za eno najbolj dobičkonosnih spletnih storitev. Spletno bančništvo je del elektronskega bančništva in omogoča opravljanje bančnih poslov preko interneta ob vseh urah dneva, hkrati pa je zaradi svoje enostavnosti in praktičnosti postalo del vsakdanjega življenja, kar potrjujejo različne raziskave, ki kažejo na povečanje uporabnikov spletnega bančništva iz leta v leto. Z večanjem števila uporabnikov povezujemo tudi povečanje groženj uperjenih proti spletnemu bančništvu. S širitvijo ponudbe bank in uvajanjem novih storitev se kriminalcem odpirajo nove poti in možnosti za njihovo zlorabo. V ta namen bo evropska komisija za boj proti kibernetski kriminaliteti v januarju 2013 ustanovila Evropski center za kibernetsko kriminaliteto. Finančne institucije in varnostne agencije z raznimi priporočili in ukrepi proti zlorabam spletnega bančništva obveščajo uporabnike o nevarnostih, saj je varnost eden glavnih razlogov, zakaj spletno bančništvo ne uporabljamo v večji meri. Varnostni mehanizmi spletnih bank se razlikujejo, razlikuje pa se tudi nivo zaščite. Pri zagotavljanju varnosti ni dovolj samo uporaba in ponudba različnih produktov oz. varnostnih rešitev, banke morale večjo pozornost nameniti izobraževanju uporabnikov, saj je prav uporabnik najšibkejši člen v verigi zagotavljanja varnosti. Uporabniki bi se morali zavedati, da popolne varnosti ni.
Keywords:elektronsko bančništvo, varnost, zaščita, varnostni mehanizmi, zlorabe, kibernetska kriminaliteta, diplomske naloge
Place of publishing:[Ljubljana
Publisher:S. Prodanović]
Year of publishing:2012
PID:20.500.12556/DKUM-39187 New window
UDC:004.056(043.2)
COBISS.SI-ID:2585578 New window
NUK URN:URN:SI:UM:DK:ZGRZLKG2
Publication date in DKUM:13.05.2013
Views:1922
Downloads:276
Metadata:XML DC-XML DC-RDF
Categories:FVV
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Secondary language

Language:English
Abstract:Banks are main financial institutions, and as such they have a lot of credit for the rapid development of information technology. If a banks technology was about 15 years ago hidden from the public eye, than today they are linked to customers through electronic banking and in the last decade electronic banking has emerged as one of the most profitable online services. Online banking is a part of electronic banking and allows performing banking transactions via the internet at any hours of the day, but due to its simplicity and practicality has become part of everyday life, which is confirmed by various studies that show an increase in users' online banking from year to year. Increasing number of users is associated with the increase of threats directed against online banking. With the expansion of offers from banks and introducing new services to customers opens criminals’ new avenues and possibilities for abuse. To this end, the European Commission against cybercrime will in January 2013 establish a European cybercrime center. Financial institutions and security agencies are with various recommendations and actions against the abuses of online banking informing users about the dangers, as safety is one of the main reasons why online banking is not used to a greater extent. Online banking security mechanisms differ, but there are also differences in a level of protection they are offering. In providing security is not enough to use and offer a variety of products or constantly new security solutions, the banks should pay more attention to user education, as it is user weakest link in the chain of safety. Users should be aware that absolute security doesn’t exists.


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