TFL Vsebine / Revija SIR*IUS

Digital Business in banks

Potrošniki in komitenti vedno glasneje povprašujejo ali celo zahtevajo razne e-storitve, ki bi jim prihranile čas, povečale učinkovitost in izboljšale uporabniško izkušnjo. Zato so podjetja, banke in druge organizacije primorane razvijati nove storitve in produkte ter jih skupaj z že obstoječimi ponujati tudi preko digitalnih prodajnih kanalov. Le tako lahko ohranijo sloves sodobne organizacije. Biti sodoben ali celo vodilni v svoji panogi, prinese konkretne koristi, priložnosti, prednosti in povečan ugled, na drugi strani pa tudi obveznosti, odgovornosti, zaveze in tveganja. Povečan obseg digitalnega poslovanja ne zadeva samo uporabnikov storitev, ampak tudi zaposlene. Pri tem je treba najti ravnovesje med ponujenimi storitvami in funkcionalnostmi ter upravljanjem raznih IT- in drugih tveganj, ki jih je treba pravočasno zaznati oz. predvideti in se nanje primerno pripraviti in odzivati – tako v času normalnega delovanja kot tudi v času izrednega dogodka.

Customers and clients increasingly demand or even require all kinds of e-services that would save their time, increase their efficiency and improve the user experience. Therefore, companies, banks and other organizations are forced to strive for the development of new services and products and, together with existing ones, offer them via digital channels. That is the only way to preserve the reputation of a modern organization. Being modern, or even an industry leader, brings concrete benefits, opportunities, advantages and increased prestige, as well as obligations, responsibilities, commitments and risks. Increased volume of digital business does not only concern the users of those e-services, but also employees. It is necessary to find the right mix of e-services and functionalities offered and on the other side of management of various IT and other risks, which need to be detected in a timely manner – both during normal operation as well as during non-desired situations. The paper will present key threats, as well as advice on how successfully and safely to approach the digitization of business.