Elektronsko bančništvo

zlorabe in zaščita pred njimi

Denis Mlakar (Author), Igor Lamberger (Mentor)

Abstract

Nagel razvoj informacijske tehnologije je povzročil številne spremembe v svetu. Ena izmed njih je pojav in razvoj elektronskega bančništva, ki postopoma nadomešča tradicionalni način poslovanja z bančnimi ustanovami. Diplomska naloga je usmerjena k raziskovanju in opisovanju pojmov s področja elektronskega bančništva, ki je ožje področje elektronskega poslovanja. Predstavljene so sodobne tržne poti, ki jih uporabljamo v vsakdanjem življenju. Dandanes se tako bančne in druge finančne storitve večinoma opravljajo po elektronskih tržnih poteh z uporabo različnih komunikacijskih in informacijskih tehnologij brez neposrednega stika z bančnim delavcem. Elektronsko bančništvo prinaša tako prednosti kot slabosti za uporabnika in bančno ustanovo. Kljub vsem potencialom, ki jih prinaša se pogosto pozabi na bistveni element – dovolj učinkovito varnost. Z razvojem informacijske tehnologije je izvrševanje kaznivih dejanj postalo enostavnejše in bistveno bolj prikrito, kar na omenjenem področju predstavlja velik problem. Predstavljeni so posamezni primeri zlorab. Sama narava zlorab ima značilnosti mednarodnega organiziranega kriminala, kar je poleg omejenih finančnih sredstev eden izmed glavnih razlogov za malo uspešno preiskanih in pravnomočno zaključenih primerov. Potrebno se je zavedati, da stoodstotne varnosti ni mogoče zagotoviti, se ji pa lahko z ustreznimi varnostnimi mehanizmi približamo. Razvijajo se vedno novi mehanizmi za varovanje podatkov, ki so podrobneje predstavljeni. Problema zlorab se je potrebno lotiti holistično, zato je potrebno uporabiti tako preventivne kot represivne dejavnike in ukrepe. Le učinkovit varnostni model prinese rezultate oz. zmanjša število zlorab na minimum. V zadnjem delu naloge smo na podlagi podatkov spletne ankete, v kateri je sodelovalo 86 ljudi, raziskali stopnjo zaupanja pri uporabi teh storitev.

Keywords

elektronsko bančništvo;elektronsko poslovanje;zlorabe;zaščita;informacijska tehnologija;informacijska varnost;diplomske naloge;

Data

Language:	Slovenian
Year of publishing:	2014
Typology:	2.11 - Undergraduate Thesis
Organization:	UM FVV - Faculty of Criminal Justice
Publisher:	D. Mlakar]
UDC:	004.056:336.71:004.738.5(043.2)
COBISS:	2787818
Views:	1196
Downloads:	217
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	ELECTRONIC BANKING: ABUSE AND PROTECTION AGAINST THEM
Secondary abstract:	A rapid development in the field of information technologies influenced different aspect of our lives. One of the changes that occurred is the appearance and the increasing usage of electronic banking and the services it offers which has been gradually altering the traditional ways of associating with banking institutions. This thesis deals with topics related to electronic banking as one of the fields of electronic business. Today banking and other financial services are often conducted electronically without the physical contact with the banking staff. Electronic banking has many advantages, but also some disadvantages for the user and for the bank. What is often an issue is security. The improvement and development of information technologies have also made it easier to conduct criminal acts in a more efficient and less transparent way and this presents a big problem. In the thesis various groups of criminal acts involving electronic banking are introduced. These types of criminal acts are characterized by features of international organized crime. This fact and also the limited financial resources granted for investigating them present the main reasons for a low rate of investigated and prosecuted cases in the court of law. It needs to be taken into account that complete security can never be fully achieved; it can only be improved by applying appropriate security mechanisms. The issue of criminal acts in the field of electronic banking needs to be considered from the point of view of prevention and also from the view of security and legal measures that need to be implemented when these acts have already been committed. Only an effective security model can bring good results, that is to reduce crime to a minimum. In the last part of the thesis an analysis of a survey is presented in which 86 people participated is conducted about the level of trust with using the services of electronic banking.
Secondary keywords:	electronic banking;electronic business;abuse;protection against abuse;information technology;
URN:	URN:SI:UM:
Type (COBISS):	Bachelor thesis/paper
Thesis comment:	Univ. v Mariboru, Fak. za varnostne vede, Ljubljana
Pages:	61 str.
ID:	8729270