Internet bankarstvo HPB-a

undergraduate thesis

• Author: Matea Trčak
• Mentor: Ljubica Milanović Glavan (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2022-07-12, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

U zadnjih nekoliko godina smo na vrhuncu informacijske tehnologije i tehnologije, time
dolazimo do jasnog zaključka da na tržištu mogu preživjeti samo oni proizvođači koji su
podložni tržišnim promjenama i inovacijama cijelo vrijeme.
2014. godine Hrvatska poštanska banka je bila prva banka koja uvodi pristup e-građanima
putem svoje aplikacije Token i mToken. Pruža svojim elektroničku provjeru identiteta za pristup
sustavu e-građanin. MToken aplikacija se koristi za generiranje, jednokratne lozinke koji
korisnici koriste za pristup javnim elektroničkim uslugama. Razina sigurnosti za ovaj certifikat
je 3, te se on koristi za pristup javnim elektroničkim uslugama bilo u projektu e-Građani, a
potrebne su i sigurnosne provjere razine 2 i3. HPB je u samo godinu dana postao prvi na
bankarskom tržištu prilikom korištenja biometrije kao certifikata za aplikaciju mobilnog
bankarstva, a 2016. godine HPB je preuzeo glavnu ulogu u otvaranju računa za trgovanje
putem mobitela. Kroz još jednu godinu uveli su funkciju podizanja gotovine na automatu bez
kartice, a šifru za podizanje gotovine poslali su drugoj osobi, takozvana eGotovina.
Hrvatska poštanska banka ima rastući trend, time se može očekivati da će i dalje slijediti trend
mrežnih usluga bankarskog poslovanja i udovoljavati potrebama tržišta i u budućnosti.
Aplikacija ima svoju verziju i poslovne dijelove, sukladno tome možemo zaključiti da je riječ o
proizvodu koji će se zasigurno širiti i kako Republika Hrvatska bude poboljšavala svoju
informatičku pismenost.

Abstract (english)

In the last few years, we have been at the cutting edge of information technology and technology, thus
we come to the clear conclusion that only those producers can survive on the market
subject to market changes and innovations all the time.
In 2014, Hrvatska poštanska banka was the first bank to introduce access to e-citizens
through its application Token and mToken. It provides its electronic identity verification for access
to the e-citizen system. The MToken application is used to generate one-time passwords that
users use to access public electronic services. Security level for this certificate
is 3, and it is used to access public electronic services either in the e-Citizens project, a
both level 2 and 3 security checks are required. In just one year, HPB became the first on
banking market when using biometrics as a certificate for a mobile application
banking, and in 2016 HPB took the main role in opening trading accounts
via mobile phone. In another year, they introduced the function of withdrawing cash at the machine without
cards, and they sent the cash withdrawal code to another person, so-called eGotovina.
Hrvatska poštanska banka has a growing trend, so it can be expected that it will continue to follow the trend
online banking services and meet the needs of the market in the future as well.
The application has its own version and business parts, accordingly we can conclude that it is about
a product that will certainly expand as the Republic of Croatia improves its own
computer literacy.

• Keywords: HPB; Mtoken; egotovina; aplikacija
• Keywords (english): HPB; Mtoken; Ecash
• Language: croatian
• URN:NBN: urn:nbn:hr:148:375991
• Study programme: Title: Business Economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: stručni/a pristupnik/pristupnica ekonomije (stručni/a pristupnik/pristupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2022-07-13 22:26:30