URN:NBN:SI:doc-BSAOZBC32023Amon, AleksandraJagrič, Timotejdocuments/doc/B/URN_NBN_SI_doc-BSAOZBC3_001.pdfdocuments/doc/B/URN_NBN_SI_doc-BSAOZBC3_001.txt112 str.15article10.32015/JIBM.2023.15.1.11587714591855-6175URN:NBN:SI:doc-BSAOZBC3engDoba EpisMednarodno inovativno poslovanjeBY-NCbančništvoBanke in bančništvobankingdejavniki nastankafactors of occurrencefintechneobankeneobanksKey factors of neobanking’s occurrenceKljučni dejavniki pojavnosti neobank