Utjecaj digitalne tehnologije na razvoj kanala distribucije Privredne banke Zagreb

master's thesis

• Title (english): The impact of digital technology on Privredna banka Zagreb distribution channels
• Author: Mihovil Zmaić
• Mentor: Dalia Suša Vugec (mentor)
• Committee member: Dalia Suša Vugec (predsjednik povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Committee member: Mario Spremić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-09-30, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Kanali distribucije kao dio organizacijske strukture banke postali su jedan od ključnih čimbenika za funkcioniranje i razvoj plasmana svih bankarskih proizvoda i usluga. Zbog važnosti za cjelokupno poslovanje banke podložni su kontinuiranim promjenama koje su potaknute razvojem digitalnih tehnologija. One predstavljaju okosnicu razvoja digitalne ekonomije, a baziraju se na naslijeđenim konceptima i praktičnoj primjeni informacijsko komunikacijske tehnologije. Digitalna disrupcija posljedično je otkrila nove oblike poslovanja, koje nisu zaobišli ni bankarski sektor. U skladu s navedenim trendom koji je prisutan i na hrvatskom bankarskom tržištu, Privredna banka Zagreb proteklih godina sve intenzivnije digitalizira svoje poslovanje. Promjene uzrokovane razvojem digitalnih tehnologija vidljive su u nadogradnji postojećih rješenja kao i uvođenju novih inovacija na tržištu. PBZ na ovaj način klijentima osigurava kvalitetniju i dostupniju distribuciju proizvoda i usluga, odnosno nastoji se profilirati kao tržišni lider u uvođenju noviteta. Posljedično, implementacija novih digitalnih rješenja kao i harmonizacija distribucije usluga pokazala se kao neizbježna u konkurentskoj utrci između banaka i ostalih fintech sudionika na tržištu.

Abstract (english)

Distribution channels as part of the bank's organizational structure have become one of the key factors for the functioning and development of the placement of all banking products and services. Due to their importance for the overall operation of banks, they are subject to continuous changes that are stimulated by the development of digital technologies. They represent the backbone of the development of the digital economy and are based on inherited concepts and the practical application of information and communication technology. Digital disruption consequently revealed new forms of business, which did not bypass even the banking sector. In accordance with the aforementioned trend, which is also present in the Croatian banking market, Privredna Banka Zagreb has increasingly digitized its operations in recent years. Changes caused by the development of digital technologies can be visible in the upgrades of existing systemsas well as the introduction of new innovations to the market.In this way, PBZ provides its clients with better quality and more accessible distribution of products and services, and it tries to profile itself as a market leader in the introduction of new developments in the sector. Consequently, the implementation of new digital solutions as well as the harmonization of service distribution proved to be inevitable in the competitive race between banks and other fintechmarket participants.

• Keywords: digitalne tehnologije; distribucijski kanali; inovacije; banka
• Keywords (english): digital technologies; distribution channels; innovation; bank
• Language: croatian
• URN:NBN: urn:nbn:hr:148:832727
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2022-10-04 10:13:47