Analiza karakteristik uporabnikov fintech bančnih storitev v Sloveniji

Amon, Aleksandra

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Title:	Analiza karakteristik uporabnikov fintech bančnih storitev v Sloveniji
Authors:	ID Amon, Aleksandra (Author) ID Jagrič, Timotej (Mentor) More about this mentor...
Files:	MAG_Amon_Aleksandra_2021.pdf (1,46 MB) MD5: B75971F6D61AC7C4DF2ECF3AF5CAFFBE PID: 20.500.12556/dkum/a598ddee-0be9-4198-874a-8f0fec322643
Language:	Slovenian
Work type:	Master's thesis/paper
Typology:	2.09 - Master's Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Tradicionalne banke so že dolgo ključni igralec na finančnih trgih. Njihov uveljavljen položaj pa vedno bolj moti fintech industrija, ki je ustvarila neobanke, nov bančni model, ki z odsotnostjo mreže fizičnih podružnic implementira nizko cenovno stroškovno strukturo, zaradi katere lahko uporabnikom ponuja hitrejše, ugodnejše in bolj personalizirane bančne storitve. Neobanke kot novi udeleženci na finančnih trgih premikajo do sedaj trdno začrtane meje bančnih storitev in ponujajo specializirane storitve za uporabnike določene rase, spolne usmerjenosti in premoženjskega statusa; obseg storitev pa ne zajema več zgolj bančnih, temveč tudi računovodske storitve in storitve življenjskega sloga. S tem je razvoj fintecha in neobank ustvaril igrišče za popolnoma nove dimenzije konkurenčnosti v bančnem sektorju in iz dneva v dan se bolj poudarja potreba po upoštevanju priložnosti in tveganj. Industrija fintecha je cvetela kljub posledicam pandemije, v kateri živimo in dokazala, da je več kot resna grožnja uveljavljenim konvencionalnim bančnim institucijam. Tradicionalne bančne institucije se na to grožnjo odzivajo različno, od sodelovanja z neobankami in ustanavljanja svojih pa vse do neposrednega tekmovanja z neobankami; kljub temu pa se zdi, da jih neobanke elegantno prehitevajo. V magistrskem delu želimo odkriti, zakaj je temu tako; katere so tiste spremenljivke, ki pri uporabnikih pretehtajo tehtnico v prid neobankam. Zato celovito analiziramo karakteristike uporabnikov neobank v Sloveniji in kot ključne spoznamo transparentnost in zaupanje kot osebno vrednoto, potrpežljivost, dobro finančno pismenost in posedovanje finančnih naložb; istočasno pa ugotovimo, da pomembno vlogo pri odločitvi posameznika za uporabo neobanke igrajo zaznana uporabnost in enostavnost uporabe, varnost, zaupanje znamki in njenim storitvam, odnos posameznika do uporabe in namen uporabe.
Keywords:	Fintech, neobanke, digitalno bančništvo, uporabniki neobank.
Place of publishing:	[Maribor
Publisher:	A. Amon
Year of publishing:	2021
PID:	20.500.12556/DKUM-79488
UDC:	336.71
COBISS.SI-ID:	81620483
Publication date in DKUM:	20.10.2021
Views:	1705
Downloads:	386
Metadata:
Categories:	EPF
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Licences

License:	CC BY-NC-ND 4.0, Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International

Link:	http://creativecommons.org/licenses/by-nc-nd/4.0/
Description:	The most restrictive Creative Commons license. This only allows people to download and share the work for no commercial gain and for no other purposes.
Licensing start date:	06.07.2021

Secondary language

Language:	English
Title:	Analysis of the characteristics of fintech banking users in Slovenia
Abstract:	Traditional banks have been a key player in financial markets for a very long time. Their established position is increasingly disturbed by the fintech industry, which has created neobanks, a new banking model that, in the absence of a network of physical branches, implements a low-cost structure that can offer users faster, cheaper, and more personalized banking services. Neobanks, as new entrants to the financial markets, are pushing currently firmly defined boundaries of banking services and offering specialized services to users of a particular race, sexual orientation, and wealth status; however, the scope of services no longer includes only banking services, but also accounting and lifestyle services. With this the development of fintech and non-banks has created a playground for completely new dimensions of competitiveness in the banking sector, and day by day the need to consider opportunities and risks is increasingly emphasized. The fintech industry has flourished despite the aftermath of the pandemic in which we currently live in and has proven to be more than a serious threat to established conventional banking institutions. Traditional banking institutions respond to this threat in different ways, from working with neobanks and setting up their own to directly competing with neobanks; nevertheless, the neobanks seem to elegantly overtake them. In the master's thesis we want to find out why this is so, which are those variables that weigh the scales in favor of neobanks for users. Therefore, we comprehensively analyze the characteristics of neobank users in Slovenia and recognize transparency and trust as personal values, patience, good financial literacy, and financial investment as key; at the same time, we find that the perceived usability and ease of use, safety, trust in the brand and its services, the individual's attitude towards use and the purpose of use play an important role in the individual's decision to use neobank.
Keywords:	Fintech, neobanks, digital banking, neobanks users.

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