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,