PRIMERJALNA ANALIZA VARNOSTNIH MEHANIZMOV SPLETNEGA BANČNIŠTVA NLB D.D. IN NOVE KBM D.D. - Kontrec, Damir (D. Kontrec, 2012)
S hitrim razvojem interneta se je marsikatera storitev prenesla tudi v virtualni svet. Leto 1997 je bilo prelomno za spletno bančništvo na slovenskem trgu, saj je to storitev začela ponujati banka SKB. Danes pa živimo v času, kjer praktično vse banke ponujajo storitev spletnega bančništva. Kljub dobri ponudbi bank, pa ta storitev pri nas ni tako zelo uveljavljena. Raziskave kažejo, da smo v primerjavi z evropskimi državami na repu razpredelnice. Videti je, da bodo banke morale poiskati nove, bolj zanimive pristope s katerimi bodo pritegnile svoje komitente k uporabi te storitve. Dejstvo je, da z uporabo spletnega bančništva pridobi tako banka, kot komitent. Živimo v času, ko je čas dragocena dobrina, tako lahko z uporabo tovrstne spletne storitve veliko prihranimo, saj ni čakalnih vrst, storitev pa je na voljo 24 ur na dan. Eden izmed glavnih razlogov, zakaj se ne poslužujemo storitve v večji meri, je vprašanje varnosti. Na spletnih straneh bank, lahko najdemo vsa potrebna navodila za varnejše opravljanje spletnih storitev. Mehanizmi, s katerimi se banke poslužujejo, da bi zagotovile največjo varnost, se med sabo razlikujejo. Vredno je izpostaviti možnost osebnega sporočila ter možnost obveščanja preko SMS sporočila pri vstopu v NLB Klik ali ob opravljeni transakciji pri Bank@Netu. Z omejitvijo dnevnega ali mesečnega limita pa uporabnik omeji porabo sredstev na računu. Pri Novi KBM so se odločili za zanesljivo obliko overjanja z enkratnimi gesli, ki jih generira identifikacijska kartica SecureID. Z uporabo enkratnih gesel, se uporabnik dodatno zaščiti pred krajo gesla, ki je v tem primeru brezpredmetna, saj se za ponoven vstop generira novo, unikatno geslo. Dvomi glede varnosti se manjšajo, a ne bodo nikoli izginili. Absolutne varnosti na spletu nam ne more nihče zagotoviti, tako je tudi pri spletnem bančništvu. Tako morajo banke znova in znova posodabljati in odpravljati napake pri aplikacijah, ki se ugotovijo med uporabo. Za našo varnost na spletu pa lahko naredimo največ mi sami. Na internetu je dosti virov, kjer lahko najdemo navodila za varnejšo uporabo spleta, na nas samih pa je, če bomo naredili korak v pravo smer in se ustrezno izobrazili na tem področju. With a quick expansion of internet many of services moved into virtual world. As a first bank in Slovenia, SKB bank lunched service of online banking in 1997. Today we live in a world where every bank offers online banking. Even though we have wide offer of online banking, this service is not very popular and used by Slovenians. Researchers have shown that in comparison with other European nations, we are at the bottom of the list. It looks like banks will have to find new, more interesting ways to encourage their clients to start using online banking. The fact is, that with use of online banking, there is profit for the bank and for the client as well. Today we live in the world where time is one of valuable goods, so with use of online banking we can save it, because there are no queues and the service is available 24 hours per day. One of the reasons why this service is not used more commonly is question of security. On the home pages of online banks, we can find all the necessary instructions for safer use of online banking. Banks use different mechanisms to provide safe service of online banking. We can highlight option of personal message on clients start page of service and notification through SMS message that we get every time we log on NLB Klik. W can also make limit of daily or monthly spending of resources. With use of one time passwords, there is no harm if our password would be stolen because for the next log in we get new, unique password and the old one is useless. Doubts of security are getting smaller but they will never vanish. There can be no absolute safety on the internet, that’s why online banking cannot be 100% safe. Because of that banks have to upgrade their banking applications and correct bugs that are discovered through usage of service. We – users, are the one who can do the most, that our browsing would be safe. There are a lot of sources on the internet, which provide all the necessary information that we can use to browse safer. Now, it is on us users to take steps in the right direction and get proper education about safety on the internet.