VAŽNOST INFORMACIJSKIH TEHNOLOGIJA U SUVREMENOM BANKARSTVU : završni rad

Iako su prednosti IT brojne, postoje rasprave o tome koliko zapravo one utječu i jesu li uopće važne za profitabilnost poslovanja moderne banke. Investicije u IT ne prenose se izravno u profite te uz visoke troškove koje zahtijevaju rezultiraju prividnim gubitcima (tzv. paradoks profitabilnosti). No, korištenjem drugih metoda koje ne analiziraju kvantitativne podatke već kvalitativne, može se uvidjeti stvarna važnost digitalizacije bankovnog poslovanja. Digitalne sposobnosti vezane uz infrastrukturu IT temelj su povećanja bankovnih performansi. Educirani zaposlenici pokazuju veću motiviranost nakon implementacije IT, posebice ERP sustava. Slično tome, klijenti koji prihvaćaju digitalizaciju financijskih usluga su zadovoljniji i spremniji preporučiti svoju banku drugima. Rezultati ovog rada ukazuju na iznimnu važnost IT u modernom bankarstvu, kako za poslovanje same organizacije, tako i za klijente s kojim posluju.Although the advantages of the IT are numerous, there is a debate about the size of their impact on the contemporary banking, and whether they are truly important for bank profitability. Just investing in IT don't directly translate into profits and, with the high cost that they require, they result in apparent losses (known as profitability paradox). However, by using other methods that analyse qualitative data instead of quantitative, one can see the real importance of digitalization of the business of banking. Digital capabilities related to IT infrastructure are the cornerstone of bank performance enlargement. Educated and trained employees show greater motivation after the implementation of IT, especially the ERP systems. Similarly, customers who accept the digitalization of financial services are more satisfied and willing to recommend their bank to others. The results of this thesis indicate the exceptional importance of IT in modern banking; not only for the bank itself, but also for the clients with whom they do business