Povzetek

Tehnološke spremembe in razmah elektronske informacije sta v svetu povzročila številne preobrate in spremembe. Človek je povsod, tudi če še ni bil pripravljen, vpet v načine elektronskega poslovanja in tudi v bankah je tako. Potrošniki in uporabniki bančnih storitev vse glasneje povprašujejo in zahtevajo e-storitve, ki so prilagojene hitremu načinu življenja in enostavni uporabniški izkušnji. Banke v sodelovanju z informacijsko tehnologijo zato nudijo digitalne prodajne kanale. Biti prvi na področju storitve pomeni imeti prednost na trgu, prav tako pa prednosti pri ugledu, vendar na drugi strani prevzeto odgovornost ter tveganje, ker orješ ledino. Uporabniki storitev so tisti, ki doživijo uporabniško izkušnjo aplikacije, prvi pa so seveda zaposleni, ki se morajo znati soočiti s hitrim trendom in posodobljenim načinom dela. Pri tem je potrebno najti ravnovesje med ponujenimi storitvami in funkcionalnostjo ter IT-tveganji in ostalimi tveganji, ki jih je potrebno zaznati in se nanje pripraviti.

Ključne besede: digitalizacija, poslovanje, tveganje, plačilni sistemi,

Abstract

Technological changes and the expansion of electronic information caused many reversals and changes. People are everywhere, even if they were not ready yet, clamped in the methods of electronic commerce and it is the same in banks. Technological changes and the expansion of electronic information caused many reversals and changes. Consumers and users of banking services increasingly ask and demand e-services that are tailored to fast lifestyle and simple user experience. Banks, in cooperation with information technology, therefore offer digital sales channels. Being first in the field of service gives you advantage on the market and reputational advantages, but on the other hand, you need to take responsibility and risk of being the first one. Services users are the ones that experience the user experience of the app, but the first are employees who have to be able to cope with fast trends and updated way of their work. Doing that, we need to find balance between services and functionality offered, as well as IT and other risks that need to be detected and prepared for.

Key words : digitalization, business, risk, payment systems

POVZETEK
Val tehnoloških sprememb in storitvenih inovacij, ki preplavljajo gospodarstvo, navdušenja fintech podjetij in izzivi na področju IT tehnologije, so vplivi, ki spreminjajo navade kupcev in prebivalstva. Banke morajo v odziv na to prevzeti vajeti v svoje roke in se ustrezno odzvati na spreminjajoče se razmere in pričakovanja uporabnikov tudi na področju financ.
V času rasti prebivalstva in porasta uporabnikov IT tehnologij se je delež prebivalcev v EU, ki nakupujejo preko spleta, skoraj podvojil (56% v letu 2018 v primerjavi z 32 % v letu 2009), v času socialnega distanciranja, povezanega z bojem s COVID-19, pa se pričakuje nadaljnja rast spletnega nakupovanja (Banka Slovenije.2020). Mobilno bančništvo je le oblika elektronske uporabe tehnologij, ki omogočajo komitentom bank možnost izvajanja plačil in uporabe ostalih dejavnosti znotraj aplikacij. Komitente, ki so se nekoč upirali uporabi elektronskih bančnih poti in spletnih nakupov, so razmere prisilile v uporabo, na drugi strani pa bodo spremembe zagotovo opazne tudi pri bankah, saj bodo le te morale vzpostaviti tesnejše sodelovanje s svojimi uporabniki preko elektronskih poti, kar bo zahtevalo razvoj trženja. Poleg tega bodo morale banke sprejeti tehnologije nove generacije in svojim strankam ves čas nuditi nove digitalne storitve, ker si bodo le s tem zagotavljale konkurenčno prednost. Digitalne denarnice, spletne aplikacije, tehnologije, ki omogočajo plačilne sisteme v shemi takojšnjih plačil je čas trenutne pandemije prisilil le v hitrejši odziv in razvoj.

Ključne besede: mobilno bančništvo, IT, tehnološke spremembe, Covid-19, Flik pay,

ABSTRACT
The wave of technological changes and service innovations that are flooding the economy, the enthusiasm of fintech companies and challenges in the field of information technology are changing the habits of costumers and population. In response, banks need to take matters into their own hands and respond appropriately to changing conditions and consumer expectations in the field of finances. At the time of growth of population and increase in IT users, the share of EU population shopping online has almost doubled (56% in 2018 compared to 32% in 2009), during social distancing associated to battle with COVID-19, further growth of online shopping is expected. Mobile banking is just a form of electronic use of technologies that enable bank customers to make payments and use other activities within applications. Customers who once resisted the use of electronic banking channels and online shopping have been, due to current situation, forced to use it. On the other hand, changes will be noticeable in banks, as they will have to establish closer cooperation with their users via electronic channels that will also require the development of marketing. In addition, banks will have to accept the new generation technologies and offer new digital services to their customers all the time, as this is the only way to ensure competitive advantage. Digital wallets, online applications and technologies that enable payment systems in the instant payment scheme, have only been forced into faster response and development by the current time of pandemic

Keywords: Mobile banking, IT, technological changes ,Covid-19, Flik Pay,