Electronic Banking and Payment Services

Elektroničko bankarstvo predstavlja modernu i potpuno automatiziranu uslugu koja klijentima nudi tradicionalne bankarske proizvode uz pomoć platforme informacijske tehnologije i interaktivnih komunikacijskih kanala. Ono donosi mnogo koristi financijskim institucijama i potrošačima, ali i rizike kojima bi se trebalo upravljati na pravilan način. Predmet istraživanja odnosi se na prikaz elektroničkog bankarstva na primjeru Zagrebačke banke i OTP banke. Cilj istraživanja jest analizirati principe obavljanja bezgotovinskih transakcija, kunskih ili deviznih, preko softvera koji omogućuje da građani i poslovni subjekti samostalno kreiraju naloge za plaćanja te koriste druge pogodnosti elektroničkog bankarstva. Provedena je analiza ukazala na suvremene trendove u bankarstvu koji građanima i poslovnim subjektima olakšavaju obavljanje bezgotovinskih transakcija.E-banking is a modern and fully automated service that offers traditional banking products to customers through an information technology platform and interactive communication channels. It brings many benefits to financial institutions and consumers, but also risks that should be properly managed. The subject of the research relates to the presentation of e-banking on the example of Zagrebačka banka and OTP bank. The aim of the research is to analyze the principles of conducting cashless transactions, in kuna or foreign currency, through software that enables citizens and businesses to independently create payment orders and use other benefits of electronic banking. The conducted analysis pointed to contemporary trends in banking that make it easier for citizens and businesses to carry out cashless transactions