E-BANKING INTERNET PORTALS AT THE CASE OF NKBM AND NLB

V svoji diplomski nalogi sem želela predstaviti elektronsko bančništvo prebivalstva. Na začetku naloge sem predstavila kaj sploh je elektronsko poslovanje, vrste elektronskega poslovanja in kakšne so značilnosti dobre spletne strani. Kasneje sem se osredotočila na elektronsko bančništvo. Na kratko sem pobrskala po zgodovini elektronskega bančništva in predstavila razvojne trende. V tem sklopu sem predstavila tudi vse storitve elektronskega bančništva. Na kratko sem opisala bankomate, plačilne kartice, samopostrežne kioske, telefonsko in mobilno bančništvo. V nalogi sem se bolj osredotočila na internetno bančništvo, še posebej pa na varnost elektronskega bančništva. Tako sem ugotovila, da banke nudijo visoko varnost poslovanja prek interneta. Zanimale pa so me tudi prednosti in slabosti elektronskega bančništva. Zato sem jih predstavila iz vseh štirih vidikov, od prednosti za banko in uporabnike, kot slabosti za banko in uporabnike. Potem sem se osredotočila še na elektronsko bančništvo v Novi KBM in NLB, kjer sem najprej predstavila posamezno banko. Zanimalo me je, kako poteka pri njih internetno bančništvo, katere storitve so na voljo uporabnikom, kdaj se lahko poslužujejo internetne banke, kako hitro so izvedene storitve, ter kako skrbijo za varnost elektronskega poslovanja. V zadnjem poglavju sem se poglobila v spletne strani omenjenih bank in jih primerjala med seboj. Na koncu sem strnila vsa raziskana področja in svoje misli in cilje strnila v sklepu.In my diploma thesis, I wish to present the forms of electronic banking in use. In the first part, I presented what electronic transactions actually are, the different kinds there are, and the characteristics of a good web page. I then focused on electronic banking. I browsed through the history of electronic banking and gave an overview of developmental trends. In this part I also presented all services provided by electronic banking. I included a short description of automatic teller machines, credit and debit cards, self-service kiosks and mobile banking. In my thesis, I focused mostly on online banking and especially on the aspects of online banking security. I discovered that banks offer a high degree of security when conducting online transactions. I was also interested in benefits and downsides of electronic banking. Therefore I included all four aspects. The benefits for the bank and its clients and the downsides for both. The next part focuses on the electronic banking systems of the banks Nova KBM and NLB. It also includes a description of both banks. I wanted to know how their respective online banking systems worked, which services they offer to their clients, when online banking can be used, how quickly the services are performed and the security of their online transactions. In the final chapter I delved into the web pages of said banks, studied and compared them. Finally, I summed up all my findings and thoughts in the conclusion