Povzetek

Tehnolo�ke spremembe in razmah elektronske informacije sta v svetu povzro?ila �tevilne preobrate in spremembe. ?lovek je povsod, tudi ?e �e ni bil pripravljen, vpet v na?ine elektronskega poslovanja in tudi v bankah je tako. Potro�niki in uporabniki ban?nih storitev vse glasneje povpra�ujejo in zahtevajo e-storitve, ki so prilagojene hitremu na?inu �ivljenja in enostavni uporabni�ki izku�nji. Banke v sodelovanju z informacijsko tehnologijo zato nudijo digitalne prodajne kanale. Biti prvi na podro?ju storitve pomeni imeti prednost na trgu, prav tako pa prednosti pri ugledu, vendar na drugi strani prevzeto odgovornost ter tveganje, ker orje� ledino. Uporabniki storitev so tisti, ki do�ivijo uporabni�ko izku�njo aplikacije, prvi pa so seveda zaposleni, ki se morajo znati soo?iti s hitrim trendom in posodobljenim na?inom 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.

Klju?ne besede: digitalizacija, poslovanje, tveganje, pla?ilni 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