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[{"key": "dc.contributor.author", "value": "Koivisto, Kerttuli", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2011-03-03T06:34:03Z", "language": "", "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2011-03-03T06:34:03Z", "language": "", "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2011", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/26625", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Koivisto, Kerttuli\r\nS\u00e4hk\u00f6inen pankkiasiointi ja haasteet asiakkaan n\u00e4k\u00f6kulmasta\r\nJyv\u00e4skyl\u00e4: Jyv\u00e4skyl\u00e4n yliopisto, 2011, 25 s.\r\nTietoj\u00e4rjestelm\u00e4tiede, kandidaatintutkielma\r\nOhjaaja: Sepp\u00e4nen, Ville\r\nVerkkopankki on muodostunut p\u00e4\u00e4asialliseksi pankkiasiointikanavaksi Suomessa.\r\nS\u00e4hk\u00f6isen pankkiasioinnin tuomien etujen vuoksi pankit siirt\u00e4v\u00e4t toimintaansa\r\nverkkoon v\u00e4hent\u00e4en samalla fyysisten asiointipisteiden m\u00e4\u00e4r\u00e4\u00e4 sek\u00e4\r\nenemmist\u00f6 asiakkaista hoitaa pankkiasioitaan Internetin v\u00e4lityksell\u00e4 verkkopankissa.\r\nOsa asiakkaista kuitenkin suosii edelleen perinteisi\u00e4 pankkikanavia\r\nverkkopankin sijaan - s\u00e4hk\u00f6iseen pankkiasiointiin liittyy siis my\u00f6s haasteita.\r\nT\u00e4ss\u00e4 tutkielmassa tarkastellaan s\u00e4hk\u00f6ist\u00e4 pankkiasiointia, sen nykytilaa Suomessa\r\nsek\u00e4 haasteita asiakkaan n\u00e4k\u00f6kulmasta. Lis\u00e4ksi pyrit\u00e4\u00e4n l\u00f6yt\u00e4m\u00e4\u00e4n toimenpiteit\u00e4,\r\njoilla julkinen sektori ja pankit voivat vastata n\u00e4ihin haasteisiin.\r\nTutkielma on kirjallisuuskatsaus, joka pohjautuu tieteelliseen aineistoon sek\u00e4\r\nkotimaisiin tutkimuksiin ja julkaisuihin.\r\nTutkimustuloksena esitet\u00e4\u00e4n, ett\u00e4 s\u00e4hk\u00f6isen pankkiasioinnin haasteet muodostuvat\r\ndigitaalista kahtiajakoa aiheuttavista tekij\u00f6ist\u00e4 sek\u00e4 asiakkaiden motivaation\r\npuutteesta ja negatiivisista asenteista verkkopankin k\u00e4ytt\u00f6\u00e4 kohtaan. N\u00e4ihin\r\nhaasteisiin voidaan vastata sek\u00e4 julkisen sektorin ett\u00e4 pankkien toimenpiteill\u00e4\r\nparantamalla asiakkaiden k\u00e4ytt\u00f6mahdollisuuksia ja -valmiuksia sek\u00e4\r\npankkien toimilla panostamalla palvelun laatuun ja k\u00e4ytt\u00e4j\u00e4l\u00e4ht\u00f6isyyteen.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Seija Paananen (sepaanan@jyu.fi) on 2011-03-03T06:05:07Z\r\nNo. of bitstreams: 1\r\nKerttuli.Koivisto.pdf: 253056 bytes, checksum: b15e8905cd32c30958975905ddbf2d2f (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Approved for entry into archive by Marja-Leena Harjuniemi(mharjuni@jyu.fi) on 2011-03-03T06:34:03Z (GMT) No. of bitstreams: 1\r\nKerttuli.Koivisto.pdf: 253056 bytes, checksum: b15e8905cd32c30958975905ddbf2d2f (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2011-03-03T06:34:03Z (GMT). No. of bitstreams: 1\r\nKerttuli.Koivisto.pdf: 253056 bytes, checksum: b15e8905cd32c30958975905ddbf2d2f (MD5)\r\n Previous issue date: 2011", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "s\u00e4hk\u00f6inen pankkiasiointi", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "verkkopankit", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "s\u00e4hk\u00f6iset palvelut", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "asiakkaan haasteet", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "tietoyhteiskunta", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "digitaalinen kuilu", "language": "en", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "S\u00e4hk\u00f6inen pankkiasiointi ja haasteet asiakkaan n\u00e4k\u00f6kulmasta", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "bachelor thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201103031850", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.dcmitype", "value": "Text", "language": "en", "element": "type", "qualifier": "dcmitype", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Kandidaatintutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Bachelor's thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Informaatioteknologian tiedekunta", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Faculty of Information Technology", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Informaatioteknologia", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Information Technology", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Tietoj\u00e4rjestelm\u00e4tiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Information Systems Science", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_7a1f", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": "fi", "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "bachelorThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}]
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