COMPARATIVE ANALYSIS OF INTERNET BANKING SERVICES IN SLOVENIA AND CROATIA IN THE CASES OF NLB AND ZAGREB BANK

Kruta resničnost današnjih dni je, da postaja življenjski ritem iz dneva v dan vse hitrejši. Žal se ne moremo ob obveznostih, ki na nas prežijo vsak dan, izogniti bančnemu poslovanju. Zato je internetno bančništvo najboljša rešitev za prihranek dragocenega časa in denarja, ki nam v današnjem času vedno bolj primanjkuje. V teoretičnem delu diplomske naloge smo predstavili pojme elektronskega poslovanja, elektronskega bančništva in interneta ter se podrobneje poglobili v pojem internetnega bančništva V raziskovalnem delu pa smo predstavili ponudbo slovenskih in hrvaških internetnih bank ter podrobneje predstavili vodilne banke izbranih držav, NLB in Zagrebačko banko. Nato smo primerjali ponudbo internetnega bančništva izbranih bank, NLB — NLB Klik in Zagrebačke banke — e-zaba in ugotavljali podobnosti in razlike med njimi. Bistveno je da se banke zavedajo da morajo na prvo mesto postaviti svoje stranke in pripraviti tako ponudbo, katera bo privabila zadostno število strank. Stranke so danes vedno bolj zahtevne, sposobne, izobražene in zahtevajo tako ponudbo od banke ki bo zadovoljila njihove želje in pričakovanja. Edino tako bodo banke ohranile oziroma povečale svojo konkurenčno prednost, saj v svetu tehnološkega razvoja preživijo le tisti ki znajo izkoristiti priložnosti ki jih ponuja nova ekonomija. Internetno bančništvo se bo v prihodnosti še bolj razvijalo in bo postalo ena od vodilnih storitev v bančnem poslovanju. Banke bodo morale v razvoj internetnega bančništva veliko vlagati, da se bodo lahko prilagajale zahtevam strank, da bodo lahko zagotovile najvišjo stopnjo varnosti in da bodo sledile hitremu tehnološkemu napredku na tem področju.Harsh reality today is that the rhythm of life is becoming faster day by day. Unfortunately, because of the obligations that beset us every day, we can not avoid the banking business. That is why the internet banking is the best solution for saving valuable time and money, which we lack today. In the theoretical part of this diploma work, we presented the concepts of electronic commerce, electronic banking and the Internet. Then we specifically deepen into the concept of internet banking. In research work, we presented the offer of Slovenian and Croatian internet banking and detailed presented leading banks of selected countries, NLB and Zagreb bank. Then we compared the offer of internet banking in the selected banks, NLB – NLB Klik and Zagreb bank – E-zaba – and observed similarities and differences between them. It is essential that banks are aware that they have to put customers at the forefront and make such an offer which will attract a sufficient number of customers. Customers are today increasingly demanding, capable, educated, and demand such an offer from the bank which will satisfy their desires and expectations. That is the only way that banks will maintain or increase their competitive advantage, because in the world of technological development, only those survive who are able to exploit the opportunities offered by the new economy. Internet banking in the future will be further developed and will become one of the leading services in the banking business. Banks will have to invest in develop of internet banking in order to be able to adapt to the requirements of customers to be able to provide the highest level of security and to follow a rapid technological progress in this field