The impact of financial technology companies on banking

Finančna tehnologija je postala del našega vsakdana. Ljudje uporabljamo FinTech storitve skoraj vsak dan, se pa marsikdo ne zaveda, kaj vse finančna tehnologija (FinTech) nudi in predstavlja. Njena glavna dejavnost in naloga je nuditi uporabnikom finančne storitve s pomočjo nove, moderne tehnologije in mobilnih naprav. Tako jim nudi novejšo, cenejšo, sodobnejšo, enostavnejšo in hitrejšo uporabo finančnih storitev. V prvem poglavju diplomskega dela bomo opredelili problem, namen, cilj ter hipoteze, ki jih bomo skozi diplomsko delo preverili. V drugem poglavju bomo predstavili finančno tehnologijo, njeno zgodovino, uporabnike in pa nekaj prednosti in slabosti, ki jih prinaša. V tem poglavju se bomo dotaknili tudi razširjenosti FinTech družb tako globalno kot v Sloveniji. V tretjem poglavju bomo predstavili vpliv FinTech družb na celotno bančništvo. Opisali bomo negativne in pozitivne učinke, ki jih je banka zaradi pojava FinTech družb deležna, in primerjali družbi med seboj po postavljenih kriterijih. V zadnjem, četrtem, poglavju bomo pozornost namenili FinTech družbam na slovenskem finančnem trgu in opravili analizo izbranih storitev.Financial technology has become a part of our everyday lives. People use FinTech services almost every day, and many people are not aware of what FinTech offers and represents. Their main activity and task are to provide their users with financial services with the help of new, modern technology and mobile devices. They offer their users newer, cheaper, contemporary, simpler, and faster use of financial services. In the first chapter of this diploma thesis, we will define the problem, purpose, goals, and hypotheses, which we will test through the diploma thesis. In the second chapter, we will present financial technology, its history of development, users, and some of the advantages as well as disadvantages that we encounter during use. This chapter will also address the prevalence of FinTech companies both globally and in Slovenia. In the third chapter, we present the impact of FinTech companies on overall banking. We will describe the negative and positive effects that the bank has due to the emergence of FinTech companies, and we will compare the companies with each other according to the set criteria. In the last fourth chapter, we will focus on FinTech companies in the Slovenian financial market and analyze selected services. Finally, in conclusion, we address the hypotheses set in the introduction