Vpliv digitalizacije na mobilno bančništvo

Muhič, Simona

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Title:	Vpliv digitalizacije na mobilno bančništvo
Authors:	ID Muhič, Simona (Author) ID Sternad Zabukovšek, Simona (Mentor) More about this mentor...
Files:	MAG_Muhic_Simona_2020.pdf (2,02 MB) MD5: 108C556976336F7B8E13FD765F4957D1 PID: 20.500.12556/dkum/3c659acc-ff90-45a0-8102-fe7741c89091
Language:	Slovenian
Work type:	Master's thesis/paper
Typology:	2.09 - Master's Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	V današnjem času sta globalizacija in razvoj tehnologije povzročila številne spremembe. Spreminjati se je začela celotna družba, s tem pa tudi posameznikove potrebe in želje. Banke so tem željam začele slediti ter izkoriščati nove priložnosti, ki jih je prinesel tehnološki razvoj. Številni uporabniki že dlje časa uživajo v prednostih, ki jih prinaša mobilno bančništvo. Dostopno je kjerkoli in kadarkoli, kar omogoča lažje opravljanje finančnih poslov. V poslovnem okolju je poleg dobro oblikovane varnostne politike in preverjanja skladnosti teorije s prakso, nujno potrebna dobra mera razuma pri uporabi internetnih storitev. Slovenske banke že intenzivno sledijo trendom na področju e-bančništva in vpeljujejo nove tehnologije, kar dokazuje dejstvo, da sta mobilno in spletno bančništvo med slovenskimi komitenti vse bolj priljubljena. Čeprav nam digitalna doba nudi ogromno prednosti, se moramo zavedati tudi njenih tveganj. Razširjenost digitalnega bančništva je dokaz, da je internet pridobil dovolj verodostojnosti in zaupanja, da se lahko posamezniki počutijo brezskrbno, med––tem ko s svojim denarjem razpolagajo v digitalni obliki. Banke se srečujejo z izzivom, kako zasnovati in ustvariti dobro mobilno aplikacijo, s katero bodo komitenti zadovoljni. Več kot organizacija vlaga v uporabniško izkušnjo, večja je verjetnost, da bodo s tem aktivno pridobivali zveste uporabnike, ki se bodo radi vračali. Poglavitna konkurenčna prednost je čim večja uporabnost in enostavnost aplikacije. V magistrskem delu smo raziskali, kako je digitalizacija vplivala na tradicionalno bančništvo in ga pretvorila v sodobno. V prvem delu smo opredelili pojem sodobnega in mobilnega bančništva ter prednosti in slabosti, ki jih je prinesla uvedba novih tehnologij. Predstavili smo trende e-bančništva v Sloveniji, mobilnega bančništva po svetu ter navedli različne tehnološke in netehnološke omejitve s katerimi se organizacija srečuje pri uvajanju e-poslovanja.
Keywords:	digitalizacija, mobilna banka, uporabnik, varnost, uporabniški vmesnik
Place of publishing:	Maribor
Publisher:	[S. Muhič]
Year of publishing:	2020
PID:	20.500.12556/DKUM-76678
UDC:	004
COBISS.SI-ID:	26230019
NUK URN:	URN:SI:UM:DK:O4BNKUX4
Publication date in DKUM:	26.08.2020
Views:	1547
Downloads:	250
Metadata:
Categories:	EPF
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Licences

License:	CC BY 4.0, Creative Commons Attribution 4.0 International

Link:	http://creativecommons.org/licenses/by/4.0/
Description:	This is the standard Creative Commons license that gives others maximum freedom to do what they want with the work as long as they credit the author.
Licensing start date:	19.06.2020

Secondary language

Language:	English
Title:	The impact of digitalization in mobile banking
Abstract:	Globalization and the development of technology have nowadays brought about many changes. As the whole society began to change, so did the needs and wishes of the individuals. Banks began to follow that needs and wishes; moreover, they started to take advantage of the new opportunities brought by technological development. Many users have been enjoying the benefits of mobile banking for quite some time. Mobile banking is available anywhere and anytime, which makes financial business much easier. In a business environment, in addition to a well-designed security policy and checking the consistency of theory with practice, a good measure of common sense is essential when using internet services. Slovenian banks are already intensively following trends in online banking and introducing new technologies. This is seen in mobile and online banking, which are becoming increasingly popular among Slovenian customers. The digital age offers a lot of advantages, but we must also be aware of its risks. The prevalence of digital banking is proof that the internet has gained enough credibility and trust that individuals feel carefree while managing their funds in digital form. Moreover, banks are facing the challenge of designing and creating a good mobile application that will satisfy the customers. The more the organization invests in user experience, the more likely they are to actively develop loyal users who will love using their services and will keep coming back. The main competitive advantage is the maximum usability and simplicity of the application. The present master’s thesis examines the impact of digital on traditional banking and its transformation into modern banking. In the first part, we defined the concept of modern and mobile banking as well as the advantages and disadvantages brought by new technologies. Moreover, we presented the trends of electronic banking in Slovenia and mobile banking around the world. We also presented various technological and non- -technological restrictions that organizations have to face when introducing e-commerce.
Keywords:	digitalization, mobile bank, user, security, safety, user interface

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