COMPARATIVE ANALYSIS OF WEBSITES OF BANKS IN SLOVENIA

Čas, v katerem živimo danes, je čas hitrih in nenadnih sprememb. Spremembam pa se prilagajamo vsi, tako posamezniki kot podjetja. Med eno izmed teh sprememb lahko uvrstimo tudi elektronsko bančništvo. Tako kot mnogo katera druga sprememba je tudi ta povezana s sodobno informacijsko tehnologijo. Pri elektronskem bančništvu gre za vrsto poslovanja, ki za opravljanje bančnih storitev od komitenta ne zahteva vsakokratne fizične prisotnosti v poslovalnici. Komitent lahko med drugim opravlja bančne storitve kar od doma ali z delovnega mesta. Te storitve so dostopne 24 ur na dan, 7 dni v tednu, vse leto. Še posebej je omembe vredna spletna banka, ki tako bankam kot tudi komitentom prinaša ogromno prednosti. Predvsem je namenjena plačilnemu prometu, sčasoma pa lahko komitenti na spletni banki pričakujemo tudi ponudbo novih storitev. Spletna banka, kot že samo ime pove, deluje preko spleta. Splet velja za največjo in najbolj razširjeno storitev interneta. Prav internet pa je kriv za neke vrste prelomnico v komunikaciji. S svojo razširjenostjo, univerzalnostjo, dostopnostjo in nizko ceno same priključitve izpodriva ostale načine elektronske komunikacije. Besedo splet si večina posameznikov predstavlja kot prostor, kjer lahko najdemo spletna mesta. Mnoga podjetja že imajo svoja lastna spletna mesta in prav tako banke niso izjema, saj tudi one želijo na ta način pritegniti potencialne stranke oziroma komitente. Zelo pomembno je, da se pri sami izdelavi spletnega mesta upoštevajo lastnosti dobrih spletnih mest. Samo takšno spletno mesto bo sposobno pritegniti in prepričati uporabnika, da se zadrži dlje časa na njem ter morda postane tudi komitent banke.The time in which we live today, is the time of rapid and sudden changes. We all adapt to changes, both individuals and companies. Between one of these changes we can also place electronic banking. Like many other changes, this change is also related to modern information technology. In electronic banking it is going for type of business that does not require from client, that wants to perform bank services, a physical respective presence in the branch. Besides that, client can also perform banking services from home or workplace. These services are available 24 hours a day, 7 days a week, all year. Especially noteworthy is the online bank that brings a lot of advantages for both, costumers and banks. Mainly this online bank is intended for payment transactions, but with time we costumers can expect offer of new services. Online bank, as the name suggests, works through the web. Web is the largest and most popular internet service. Internet is responsible for some kind of turning point in communication. With its prevalence, universality, accessibility and low cost of connection, internet is displacing other ways of electronic communication. Most of the people represents web as a place where you can find web sites. Many companies already have their own web site, as well as banks are no exception, because they want to attract potential customers or clients in this way too. It is very important that the fabrication sites reflect the characteristics of good web sites. This kind of web site will be able to attract and convince the user to retain longer on this web site and perhaps even become a client of the bank