Digitalna transformacija bankarskog sustava

undergraduate thesis

• Title: Digitalna transformacija bankarskog sustava : blockchain tehnologija i ključne inovacije
• Title (english): Digital transformation of the banking system : blockchain technology and key innovations
• Author: Petar Matić
• Mentor: August Cesarec (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2024, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Ovaj završni rad istražuje utjecaj digitalne transformacije na operativnu efikasnost i korisničko iskustvo u hrvatskim bankama, s posebnim naglaskom na primjenu blockchain tehnologije. Analizira se kako integracija tehnologija poput umjetne inteligencije, velikih podataka, računalstva u oblaku i blockchaina može redefinirati tradicionalne bankarske procese i unaprijediti interakcije s klijentima. Metodologija istraživanja obuhvaća analizu sekundarnih izvora uključujući znanstvene članke, industrijska izvješća i studije slučaja, usmjerene na identifikaciju i evaluaciju tehnoloških inovacija u bankarskom sektoru. Rad posebno razmatra potencijale blockchaina u osiguravanju transparentnosti, smanjenju prijevara, i ubrzavanju transakcija, dok se također adresiraju i izazovi poput tehničke složenosti i regulatornih prepreka. Rezultati istraživanja ukazuju na značajne prednosti koje digitalna transformacija može pružiti bankama, uključujući poboljšanu sigurnost, smanjenje operativnih troškova i poboljšano korisničko iskustvo, ali i na potrebu za strateškim pristupom u rješavanju izazova koji prate implementaciju novih tehnologija.

Abstract (english)

This thesis explores the impact of digital transformation on operational efficiency and customer experience in Croatian banks, with a special focus on the implementation of blockchain technology. It analyzes how the integration of technologies such as artificial intelligence, big data, cloud computing, and blockchain can redefine traditional banking processes and enhance client interactions. The research methodology includes the analysis of secondary sources, including scholarly articles, industry reports, and case studies, aimed at identifying and evaluating technological innovations in the banking sector. The paper specifically examines the potentials of blockchain in ensuring transparency, reducing fraud, and accelerating transactions, while also addressing challenges such as technical complexity and regulatory obstacles. The findings indicate significant benefits that digital transformation can offer to banks, including improved security, reduced operational costs, and enhanced customer experience, but also highlight the need for a strategic approach to addressing the challenges associated with implementing new technologies.

• Keywords: digitalizacija bankarstva; umjetna inteligencija; financijske tehnologije; sigurnost transakcija; inovacije u bankarstvu
• Keywords (english): banking digitalization; artificial intelligence; financial technologies; transaction security; banking innovations
• Language: croatian
• URN:NBN: urn:nbn:hr:148:926009
• Study programme: Title: Business economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: pristupnik ekonomije/pristupnica ekonomije (pristupnik ekonomije/pristupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2024-09-23 10:56:45