E-BANKING SOLUTIONS IN SLOVENIAN BANKS

V diplomski nalogi smo predstavili računalniške rešitve elektronskega bančništva petih slovenskih bank. Izbrano temo smo raziskali predvsem zaradi izjemnega porasta elektronskega bančništva pri nas. Elektronsko bančništvo pomeni poslovanje banke s stranko, ki je lahko pravna ali fizična oseba, preko elektronskih prodajnih poti. Diplomska delo je razdeljeno v več tematskih sklopov. V prvem delu je razlaga pojma elektronskega bančništva. Opisali smo še razvoj elektronskega bančništva, ponudbo in trende elektronskega bančništva. V drugem delu opisujemo proizvajalce računalniških rešitev. Med te spada podjetje Hermes Softlab, ki ponuja Bančni asistent, Večbančni asistent plus in Poslovno VEZ za podjetja ter Bančni asistent za fizične osebe. Podjetje Halcom ponuja na eni strani Hal E-Bank/WebRetail za osebno uporabo na drugi pa Hal E-Bank/Personal in Hal E-Bank Corporate za podjetja. Pri podjetju Zrcalo smo opisali EPP (elektronski plačilni promet) in ZRCALO e-banka. Adacta pa ponuja AdInetBank. V tretjem delu smo opisali pet slovenskih bank, ki uporabljajo različne računalniške programe različnih proizvajalcev. Pri banki Sparkasse smo opisali Net.Stik in Net.Stik PRO za podjetja, Tel.Stik (telefonska banka), servisne centre in mobilne sodelavce. Banka Koper ponuja Banko IN (spletna banka), sistem elektronskega bančništva I-Net ter Infotel (telefonsko bančništvo). Pri Novi Ljubljanski banki smo opisali NLB Klik za fizične osebe, NLB Proklik za pravne osebe, NLB Moba (mobilna banka) in NLB Teledom. UniCredit banka ponuja Online b@nko, E-Bank in MultiCash (mednarodni sistem elektronskega bančništva). Pri Nova KBM pa smo opisali Bank@Net za fizične osebe, Poslovni Bank@Net za pravne osebe, TeleBanka in SMS sporočila. Pri vseh bankah smo se dotaknili tudi varnosti elektronskega bančništva. Opisali smo storitve, ki jih lahko uporabniki opravljajo, kakšne tehnične zahtevnosti morajo imeti računalniki za lažjo obdelavo podatkov in kaj morajo uporabniki kupiti za uporabo. Elektronsko bančništvo je izrednega pomena za banko, ki ni postala samo poslovna priložnost, ampak nuja, če želi ostati na trgu konkurenčna. Pomanjkanje ustreznega znanja ljudi in posledično nezaupanje v sodobno tehnologijo ter varnost poslovanja preko elektronskega bančništva, je glavna ovira pri njihovi širitvi.In the diploma paper, we have presented the computerised solutions for electronic banking of five Slovenian banks. We have decided to make a research of the chosen theme especially because of the exceptional increase of the electronic banking in our country. The term electronic banking stands for bank services provided to clients, who can be either legal or natural persons, through the electronic trade channels. The diploma paper is divided to several thematic areas. In the first part, the conception of the electronic banking is explained. We have also described the development of the electronic banking as well as its offer and its trends. In the second part, we have described the producers of the computerised solutions. Among these is the company Hermes Softlab which offers the following solutions: Bančni asistent (bank assisatnat), Večbančni asistent plus (multi-bank assistant plus) and Poslovna VEZ (business bond) for companies, and Bančni asistent (bank assistant) for citizens. The company Halcom offers the Hal E-Bank/WebRetail for personal use on one hand, and the Hal E-Bank/Personal and Hal E-Bank Corporate for companies on the other. We have described the electronic payment transactions of the company Zrcalo, as well as its electronic bank ZRCALO e-banka. The company Adacta offers the solution called AdInetBank. In the third part, we have described five Slovenian banks which are using different computerised programmes issued by different producers. With reference to the bank Sparkasse, we have described the Net.Stik and Net.Stik PRO for companies, the telebank Tel.Stik, the service centres, and the mobile staff. The bank Banka Koper offers the on-line bank Banka IN, the electronic banking system I-Net, and the telebanking solution Infotel. With regard to the bank Nova Ljubljanska banka, we have described the NLB Klik for natural persons, the NLB Proklik for legal persons, the NLB Moba (mobile bank), and the NLB Teledom. The bank Uicredit offers the following solutions: Online b@nka, E-Bank, and MultiCash (international electronic banking system). And finally, the bank Nova KBM offers the Bank@Net for natural persons, the Poslovni (business) Bank@Net for legal persons, the telebank TeleBanka, and SMS messages. We have also mentioned the safety of the banks` electronic banking. We have described services provided to the users, the technical requirements for undisturbed computer data processing, and what the users have to buy for the purposes of applying. The electronic banking is of exceptional importance for the bank – it has not only become a business opportunity but also necessity, if the bank wants to stay competitive. The lack of adequate knowledge and, as a result, mistrust of today`s technology and the safety in the field of electronic banking transactions present the main obstacle for their expansion