ANALYSIS OF E- BUSINESS SOLUTIONS FOR SELECTED SLOVENIAN COMMERCIAL BANKS

Elektronsko bančništvo je v današnjem času zelo zasidrano med uporabniki in ne znamo si več predstavljati bančnega poslovanja brez njega. Posledica tega je razvoj tehnologije in dostopnosti do interneta. Vendar kljub temu Slovenija izrazito zaostaja za EU, še posebej za vodilnimi državami v EU. Elektronsko bančništvo lahko opredelimo kot opravljanje bančnih storitev preko interneta kjerkoli in kadarkoli. Razvoj tega področja sega v 70. leta prejšnjega stoletja, kjer je Angleška banka ponudila svojim komitentom prvo obliko elektronskega bančništva. Razvoj je od takrat prinesel nove možnosti uporabe elektronskega bančništva. Začelo se je z bankomati in nadaljevalo s telefonskim bančništvom, pametnimi karticami, spletnim in mobilnim bančništvom. Vse te storitve so prinesle mnogo prednosti tako za banke kot za komitente. Najpomembnejše so prihranek časa, dosegljivost bančnih storitev kjerkoli in kadarkoli ter nižji stroški. Vendar kljub temu obstajajo slabosti in glavna izmed njih je varnost. Varnost pri elektronskem bančništvu ima zelo pomembno vlogo in vpliva na odločitev komitentov za uporabo oz. neuporabo elektronskega bančništva. Banke morajo zagotavljati varnostne storitve. To pa dosegajo s pomočjo različnih varnostnih metod šifriranja, z digitalnimi potrdili, elektronskimi podpisi in tako naprej. Dobra stran je, da so banke v Sloveniji ustrezno varne. Kljub temu pa se da še marsikaj izboljšati. Na koncu diplomskega seminarja je analiza elektronskega bančništva v Sloveniji. Analiza temelji na različnih kriterijih, ki sem si jih zadal: stroškovni vidik, storitve, varnost, zadovoljstvo in lojalnost ter prikaz tržnih deležev bank glede na spletno bančništvo.Electronic banking is today much anchored between users and we do not know how to do banking business without it. This is because of technology development and access to the internet. However is Slovenia still behind from EU, especially for the leading countries in the EU. Electronic banking can be defined as the way of doing banking services via internet and do that from anywhere and anytime. The development of this area has started in 70s years of the last century, where the England bank has offered its customers the first form of electronic banking. Ever since then the development has brought new opportunities for the electronic banking. It has started with cash machines and continues with telephone banking, smart cards, internet and mobile banking. All of these services have brought a lot of benefits to the bank and to the customers. The most important of them are time saving, lower costs and availability of banking services from anywhere and anytime. But on the other hand we also know weaknesses and the main of them is security. Security in electronic banking has very important role and influences the decision to use or not use of electronic banking. Banks have to provide security services. This is achieved through various security methods such as cryptography, digital certificates, digital signatures and others. The good side of Slovenian banks is they have solid security. Any whey there is a lot of place for improvement. At the end of this diploma paper is the analysis of electronic banking in Slovenia. The analysis is based on different criteria which I have chosen. These criteria are costs, services, security, customer satisfaction and loyalty and the display for market shares of banks in relation to online banking