Title Poslovni model digitalnih banaka
Title (english) DIGITAL BANKS BUSINESS MODEL
Author Mateja Grmača
Mentor Zvonko Agičić (mentor)
Granter Libertas International University Zagreb
Defense date and country 2024-03-18, Croatia
Scientific / art field, discipline and subdiscipline SOCIAL SCIENCES Economics
Abstract Nagli razvoj tehnologije i stavljanje informacija u središte današnjega suvremenog društva glavni su pokretači promjena u poslovnom svijetu. U ranim razdobljima digitalizacije računala su mogle koristiti samo vladine institucije, no potencijal je prepoznat vrlo brzo te su u narednim godinama svi subjekti u društvu počeli uživati u prednostima digitalizacije. Informacijsko-komunikacijske tehnologije mogu prikupljati, obrađivati, distribuirati i pohranjivati ogromne količine podataka, što uvelike povećava djelotvornost poslovanja organizacija, a i osobnu upotrebu. Kao i ostala područja poduzetništva, informatizacija je dostigla i financijski sektor s naglaskom na banke. Digitalna je revolucija u bankarstvu išla postepeno tijekom godina sve do potrebe naglih promjena nakon financijskih kriza i povećanih zahtjeva korisnika bankarskih usluga. Bankomati, POS terminali i čekovi i dalje su bitan dio djelatnosti bankarstva, no sve više padaju u drugi plan zbog tehnoloških inovacija u bankarstvu koje uključuju mobilno bankarstvo, digitalne bankarske račune, gdje korisnici sami vrše transakcije, plaćaju račune i upravljaju svojom imovinom bez potrebe odlaska u banku. Novi poslovni model intenzivno se bavi elektroničkim bankarstvom, poboljšavanjem korisničkog iskustva, jednostavnom upotrebom, smanjenjem operativnih troškova, pružanjem širokog asortimana usluga i proizvoda za korisnike i usmjerenjem na inovacije i maksimalnim iskorištavanjem tehnoloških dostignuća. Virtualne banke postale su stvarnost na tržištu, kao i ostala područja poslovnog svijeta.
Abstract (english) The rapid development of technology and putting informations in the center of today's modern society are the main drivers of change in the business world. In the early periods of digitization, computers could only be used by government institutions, but the potential was recognized very quickly, and in the following years all entities in society began to enjoy the advantages of digitization. Information and communication technologies collect, process, distribute and store huge amounts of data, which definitely increases the efficiency and effectiveness of business operations of organizations, as well as personal use. Like other areas of entrepreneurship, the use of computers and ICT has also reached the financial sector with an emphasis on banks. The digital revolution in banking went gradually over the years until the need for sudden changes after the financial crises and the increased demands of users of banking services. ATMs, POS terminals and checks are still an important part of banking activities, but they are increasingly falling into the background due to technological innovations in banking that include mobile banking, digital bank accounts where users do the transactions themselves, pay bills and manage their accounts without having to go to a branch. The new business model is intensively focused on electronic banking, improving the user experience, ease of use, reducing operating costs, providing a wide range of services and products for users and focusing on innovation and making the most of technological achievements. Virtual banks have become a reality on the market like other areas of the business world.
Keywords
digitalne banke
digitalizacija
informacijsko-komunikacijske tehnologije
e-bankarstvo
poslovni modeli
financijski sektor
mobilno i internet bankarstvo
neobanke
elektroničko poslovanje
Keywords (english)
digital banks
digitization
information and communication technologies
e-banking
business models
financial sector
mobile and internet banking
neo banks
electronic business
Language croatian
URN:NBN urn:nbn:hr:223:600004
Study programme Title: Banking, Insurance and Financial Management Study programme type: professional Study level: graduate Academic / professional title: magistar menadžmenta bankarstva, osiguranja i financija (magistar menadžmenta bankarstva, osiguranja i financija)
Type of resource Text
File origin Born digital
Access conditions Open access
Terms of use
Repository Digital repository of the Libertas International University
Created on 2024-07-15 12:48:32