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Some Aspects of Implementing Always-On IT-Solutions and Standards in Banking Sector: The Case of Croatia
Abstract
The growing competition in the banking sector, resulting in growing demands of the customers, requires from the banks a 24 hour availability of services. The technological development is accompanied by the increase in technologically sophisticated forms of fraud. The answer to these challenges is a more efficient use of information technology. The use of new technologies, besides the defense from unauthorized access into the bank’s information system, abuse of information technology, and damage that can be caused, represents the basis for the new service offer which has an important role in market positioning of the banks. An empirical research was conducted in order to determine the level of influence of the information technology to the payment transactions. The results suggest that the level of influence is important due to the enlargement of product range and communication channels with clients, expense reduction for the costumers and the bank, as well as the increase of the business security.
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