ANALYSIS OF USE OF RETAIL INTERNET BANKING IN SLOVENIA

V našem vsakdanjem življenju se elektronski mediji vse bolj pojavljajo. Vodilni komunikacijski sistem postaja internet, kar se odraža v vseh panogah gospodarstva. Tega se zavedajo tudi banke, kjer je internet največ prispeval k uveljavitvi internetnega bančništva, s katerim so izginile časovne in geografske ovire poslovanja, bančništvo pa je dobilo globalen pomen. V diplomskem delu smo se odločili, da bomo obravnavali internetno bančništvo fizičnih oseb v Sloveniji in s pomočjo ankete ugotovili, v kolikšni meri ga uporabljajo ter kaj menijo o njegovi uporabi. Uvodoma predstavimo elektronsko bančništvo, njegove storitve, varnost in zaščito podatkov. V nadaljevanju se podrobneje posvetimo enemu segmentu elektronskega bančništva, in sicer internetnemu bančništvu. V tem poglavju vključimo internet, uvajanje in uporabo internetnega bančništva, bančne storitve, ki jih nudi, prednosti in slabosti le tega, tako za banko kot komitenta in internetno bančništvo v Sloveniji, kjer predstavimo tudi banke, ki ga nudijo. V zadnjem poglavju predstavljamo rezultate raziskave glede uporabe internetnega bančništva fizičnih oseb, na podlagi izvedene ankete. Banke se zavedajo, da je njihova prisotnost na internetu, ne samo ena izmed storitev, temveč predstavlja nujnost in bo v prihodnosti tudi ključnega pomena za sam obstoj banke. Stranke zahtevajo vedno več in njihovim željam je potrebno prisluhniti, saj se ljudje vedno bolj odločajo za opravljanje bančnih poslov preko interneta, kar narekuje današnji tempo življenja. Opuščanje klasičnega načina poslovanja, pa strankam omogoča bančne storitve opraviti hitreje, ceneje, kadarkoli in kjerkoli, ne da bi bilo potrebno zanje čakati v vrsti pred bančnim okencem.In our everyday life electronic media is more and more present. The leading communication system is the internet what can be seen in every branch of economy. Also the banks are aware of this fact because the internet has contributed to the enforcement of the internet banking. This step however, helped to prevent business obstacles such as time and geographical borders and the banking got a global meaning. In the following diploma work we have decided to deal with the internet banking of natural persons in Slovenia and the questionnaire will help us to establish the opinion of internet banking and its use. In the introduction we will present the internet banking, its service, security and data protection. In the continuation we will concentrate on one segment of electronic banking and that is the internet banking. In this chapter we will include internet, introduction and the use of internet banking, its banking services, advantages and disadvantages for the bank and for the principal and also the internet banking in Slovenia, where we will introduce the banks which offer internet banking. In the last chapter we will show the findings of our research we have acquired with the help of the questionnaire. The banks are aware that their presence on the internet is very significant and in the future it will present the key meaning for the existence of a bank. The customers demand more and more and so they have to listen to their demands, because a great majority of people decide to pursuit their banking business with the help of the internet what nowadays represents our way of life. The transition from the classical to the internet banking makes the services faster, cheaperit can be done everywhere and at anytime without standing in a line at a bank