Analiza poslovanja neobank v primerjavi s tradicionalnimi bankami

Lavrič, Špela

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Title:	Analiza poslovanja neobank v primerjavi s tradicionalnimi bankami
Authors:	ID Lavrič, Špela (Author) ID Jagrič, Timotej (Mentor) More about this mentor...
Files:	UN_Lavric_Spela_2023.pdf (1,34 MB) MD5: B61C3E43916F67B37177008358FE1A9F
Language:	Slovenian
Work type:	Bachelor thesis/paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	V diplomskem delu smo se osredotočili na analizo poslovanja neobank v primerjavi s tradicionalnimi bankami glede na poslovni model, ponudbo storitev in doseganje uspešnosti. Glede na to, da se gospodarstvo nenehno spreminja, morajo tem spremembam slediti tudi udeleženci trga. Z razvojem tehnologije in vstopom novih konkurentov v bančni sektor je prišlo do vzpostavljanja motenj v poslovanju bank in prav neobanke, ki so predstavnice fintech podjetij in svoje poslovanje upravljajo izključno digitalno, so pomenile pritisk obstoječim bankam, ki jih poznamo že vrsto let. Trenutno smo v času, ko smo priča boju na eni strani uveljavljenih tradicionalnih bank, ki so začele uporabljati novodobno tehnologijo in prilagodile produkte komitentom, in na drugi strani neobank, ki zaradi svoje preproste uporabe in nizkocenovnih produktov pridobivajo na vse večji popularnosti. Predvsem evropski trg v zadnjem času beleži razvoj številnih uspešnih neobank. Slovenija kot članica Evropske unije zaenkrat še nima neobanke, po drugi strani pa ima veliko uporabnikov, ki imajo račun pri tuji neobanki. Zvestobo tradicionalnim bankam in neobankam smo preverili tudi z anketnim vprašalnikom, v katerem smo raziskali ključne karakteristike slovenskih uporabnikov za izbiro potencialne banke.
Keywords:	Neobanke, tradicionalne banke, karakteristike uporabnikov, digitalizacija, poslovanje.
Place of publishing:	Maribor
Publisher:	Š. Lavrič
Year of publishing:	2023
PID:	20.500.12556/DKUM-84793
UDC:	336.71
COBISS.SI-ID:	168299011
Publication date in DKUM:	13.10.2023
Views:	844
Downloads:	220
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:	25.07.2023

Secondary language

Language:	English
Title:	Analysis of the performance of neobanks compared to traditional banks
Abstract:	In this paper, we will focus on the analysis of the performance of neobanks compared to traditional banks in terms of business model, service offering and performance. Considering that the economy is constantly changing, market participants have to keep up with these changes. The development of technology and the entry of new competitors into the banking sector have created disruptions in the way banks do business, and it is the neobanks, which are representatives of fintech companies and manage their business exclusively digitally, that have put pressure on the existing banks, which we have known for many years. We are currently in a period where we are witnessing a battle between, on the one side, the established traditional banks, which have started to use new technology and to adapt their products to their customers, and, on the other side, the neobanks, which are gaining in popularity due to their ease of use and their low-cost products. The European market in particular has recently witnessed the development of a number of successful neobanks. Slovenia, as a member of the European Union, does not yet have a neobank, but on the other hand has many users who have an account with a foreign neobank. Loyalty to traditional banks and neobanks was also examined by means of a questionnaire survey, where we investigated the key characteristics of Slovenian users for the choice of a potential bank.
Keywords:	Neobanks, traditional banks, customer characteristics, digitisation, business.

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