Decision model for selecting an online-only bank for business purposes

Sodobnim mikrosubjektom so danes poleg storitev tujih klasičnih bank na voljo tudi tuje digitalne rešitve, do katerih lahko dostopajo kar iz lastne pisarne. Tuje virtualne banke omogočajo razmeroma preprosto, vsekakor pa hitro vzpostavitev dostopa do osnovnih bančnih storitev za poslovno rabo. Spletni viri potencialnemu uporabniku nudijo obilico informacij, vendar so te pogosto nepregledne, pa tudi ne vedno neposredno primerljive med ponudniki, kar največkrat le otežuje tehtno utemeljeno in koristno odločitev. Izdelali smo večparametrski odločitveni model, v katerem so zajete kandidatke, izbrane na podlagi določenih vključitvenih meril. Številni kriteriji in podrobna primerjava ponudb tvorijo kompleksen, toda uporaben pripomoček za odločanje. Model je časovno zamuden, saj zahteva natančno zbiranje podatkov iz nepoenotenih virov, vendar lahko izpolni svojo nalogo.Beside the brick-and-mortar banks, there are other digital solutions readily available to the modern micro-entities and accessible from their own office. Foreign online-only banks offer a reasonably simple and certainly quick access to basic business banking services. An abundance of information is available online. However, information is often unclear and not always directly comparable among the providers, which most often makes it harder for the potential user to produce a substantiated and useful decision. A multi-criteria decision model was created to consider the candidate providers that were chosen based on the inclusion criteria. Numerous criteria and a detailed comparison of the options offered form a serviceable decision aid, albeit a complex one. While being time-consuming because it requires a detailed data collection from often varied data sources, the model is fit to do the job