Zabrinutost za privatnost pri korištenju usluge mobilnog bankarstva

master's thesis

• Title (english): Privacy concerns related to the usage of mobile banking services
• Author: Zrinka Oštir
• Mentor: Vatroslav Škare (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2023-04-13, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Aplikacije za mobilno bankarstvo prednjače u pružanju bankarskih usluga zbog brojnih prednosti kao što je dostupnost usluge u bilo koje vrijeme i s bilo kojeg mjesta. Iako se mobilno bankarstvo smatra jednom od usluga s najvećom dodanom vrijednošću, ona može pokazati određene ranjivosti u području privatnosti informacija. Pomak prema povećanom korištenju mobilnih aplikacija za financijske usluge podrazumijeva veće mogućnosti prijevare i povećava zabrinutost za privatnost kod potrošača. Za upotrebu mobilnog bankarstva potrebne su osobne informacije korisnika koje podrazumijevaju osjetljive financijske informacije. Ovaj diplomski rad stavlja mobilno bankarstvo u kontekst zabrinutosti za privatnost. Zabrinutost za privatnost je područje istraživanja kojem se pridaje sve veća pozornost zbog velikih količina osobnih podataka koji se prikupljaju, pohranjuju i prenose u baze podataka. Osnovni cilj diplomskog rada je prikazati dosadašnje spoznaje o zabrinutosti za privatnost i mobilnom bankarstvu u znanstvenoj i stručnoj literaturi te istražiti koliko su korisnici mobilnog bankarstva zabrinuti za: količinu podataka koje posjeduje mobilno bankarstvo, neovlaštenu upotrebu mobilnog bankarstva, zaštitu od pogrešaka pri transakcijama, dostupnost informacija neovlaštenim osobama te ostale varijable zabrinutosti za privatnosti u kontekstu mobilnog bankarstva. U svrhu ispunjenja cilja, provedeno je opisno istraživanje putem anketnog upitnika na uzorku od 163 ispitanika. Istraživanje je pokazalo da korisnici mobilnog bankarstva generalno nisu zabrinuti za privatnost. Prikupljeni i analizirani podaci su pokazali da su korisnici mobilnog bankarstva najviše zabrinuti kad nemaju kontrolu nad svojim privatnim informacijama. Mobilno bankarstvo smatraju pouzdanom i nerizičnom aplikacijom, ali žele imati kontrolu i samostalnost nad informacijama koje mobilno bankarstvo prikuplja, obrađuje, koristi i dijeli.

Abstract (english)

Mobile banking applications have become the dominant way of doing banking and they are at the forefront of providing banking services due to numerous advantages such as the availability of the service at any time and from any place. Although mobile banking is considered one of the services with the highest added value, it can present certain vulnerabilities in the area of information privacy. The move toward increased use of mobile apps for financial services leads to greater opportunities for fraud and increased consumer privacy concerns. The use of mobile banking requires the user's personal information, which includes sensitive financial information. This thesis puts mobile banking in the context of privacy concerns. Privacy concerns are an area of research that is receiving increasing attention due to the large amounts of personal data being collected, stored, and transferred to databases. The main goal of the diploma thesis is to present the current knowledge about privacy concerns and mobile banking in the scientific and professional literature and to examine how worried mobile banking users are about the amount of data that mobile banking has, unauthorized use of mobile banking, protection against errors during transactions, availability of information to unauthorized persons and other variables of privacy concerns in the context of mobile banking. In order to achieve that goal, a descriptive survey was conducted using a questionnaire on a sample of 163 respondents. Research has shown that mobile banking users are generally not concerned about privacy. The collected and analyzed data showed that mobile banking users are most concerned when they do not have control over their private information. They consider mobile banking a reliable and risk-free application, but they want to have control and independence over the information that mobile banking collects, processes, uses and shares.

• Keywords: mobilno bankarstvo; zabrinutost za privatnost; financijske usluge; bankarstvo; privatnost informacija
• Keywords (english): mobile banking; privacy concerns; financial services; banking; information privacy
• Language: croatian
• URN:NBN: urn:nbn:hr:148:985462
• 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 authenticated users
• Created on: 2023-04-13 20:29:31