SERVICES OF MOBILE TELEPHONE BANKING WITH EMPHASIS ON APPLICATIONS FOR MOBILE PHONES

S pojmom elektronska banka lahko opredelimo način opravljanja bančnih storitev, ki jih lahko kot bančni komitent opravite neposredno s svojega delovnega mesta ali od doma, brez neposredne pomoči bančnega uslužbenca, in to kadarkoli, 24 ur na dan, 365 dni v letu. Pojav elektornskega bančništva ima na banko in uporabnike tako pozitivne, kot negativne vplive. Med storitve mobilnega bančništva sodi tudi Moneta, katere največja slabost je njena nezmožnost plačevanja v tujini in na tujih spletnih straneh. S tem je omejeno tudi tržišče in posledično število uporabnikov. Glede na to, da NFC – tehnologija kratkega dosega - nima tovrstnih omejitev, in da lahko deluje tudi v primeru, ko je baterija na mobilnem telefonu prazna, lahko rečemo, da Moneta v obliki, ki jo poznamo danes, globalno gledano nima prihodnosti. Za svoje komitente je Nova KBM uvedla Bank@Net, ki omogoča uporabniku podobne storitve, kot mobilna banka. Mobilna banka mBnak@Net omogoča storitve skeniraj in plačaj, ponuja lokacijske storitve z iskalnikom najbližjega bankomata in iskanjem najbližjih poslovalnic Nove KBM, PBS. Ponuja tečajnico valut z aktualno tečajno listo in menjalnico, opravljanje z računi za preteklih 30 dni in izvajanje poenostavljenih plačil. Nadalje omogoča spremljanje kartičnega poslovanja in poslovanja z Moneto, kreditno poslovanje ter varčevanje in opravljanje z depoziti. Ponudniki storitev se bodo v odgovoru na potrebe uporabnikov oziroma tržišča odločali za tehnologije, ki nudijo kar se da najširši krog uporabnikov in kar se da največ potencialnih možnosti uporabe.The term electronic banking can be defined as a way of providing banking services, which can be done by a user directly from his workplace or from home, without any help from a bank employee, and that at any time, 24 hours a day, 365 days in a year. The emergence of electronic banking has both - positive and negative impacts to the bank and the user. Among mobile banking services is Moneta also included. Its biggest weakness is the inability to pay with it abroad and on foreign websites. This means a limited market and therefore the number of users. Because the NFC – Near Field Communication technology – has no such restrictions, and because it can be used even when the battery on the mobile phone is low, I could say that Moneta in the form we know today globally has no future. For its clients, the Nova KBM Bank introduced the Bank@Net, which allows the user to use similar services, such as he knows from the mobile bank. Mobile mBnak@Net provides services for scaning and paying, offers location-based services with the search of the nearest ATM and the nearest branch of the Nova KBM and PBS. It offers the list of currency exchange rate, the monitoring of the accounts for the last 30 days and the implementation of simplified payment. It also allows monitoring of card operations and business of Moneta, credit-view and the view of savings and performance deposits. In response to user’s needs and demands of the market, the service providers will decide for the technology, that provides the widest range of users in as many potential ways