Analiza platnih i kartičnih transakcija na jedinstvenom SEPA području

undergraduate thesis

• Title (english): Analysis of payment and card transactions on unique SEPA area
• Author: Petra Kutleša
• Mentor: Maja Mihelja Žaja (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-07-13, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Accounting

Abstract

U ovom radu su definirani i objašnjeni pojmovi platnih i kartičnih transakcija kao i što je to SEPA područje. Provedena je analiza navedenih transakcija na jedinstvenom području plaćanja u eurima, SEPA području. Život suvremenog čovjeka je gotovo neusporediv otprije dvadeset godina, u svakom segmentu tehnologija je dovela do nekada nezamislivih razmjera kako u poslovnom, tako i u privatnom životu svakog pojedinca. Tehnološki napredak je pojednostavnio i učinio lakše dostupnim i platni sustav svake zemlje. Tako ćemo u ovom radu vidjeti koliko je danas je jednostavno vršiti plaćanja u valuti euro s jednom platnom karticom i jednim transakcijskim računom bilo to tijekom posjete drugoj državi, online kupovinom ili transferom novca na račun prijatelja koji stanuje u drugoj državi Europe (Europsko platno vijeće, 2022.). Najvažnije karakteristike SEPA projekta su jednostavnost, praktičnost i učinkovitost za korisnike. Potrošači se mogu osloniti na jedan račun za plaćanje i karticu za plaćanje u eurima gdje god se nalazili u Europi, što im pruža bezbrižnost kada putuju Europom ili kupuju putem interneta na internet stranicama koje se nalaze u drugim zemljama. Jednako tako, poduzeća vide povećane poslovne prilike i mogu lakše pristupiti širokom europskom tržištu. Kako se ne moraju nositi s više standarda platnih kartica za plaćanje u eurima, štede vrijeme i novac. Dodatno, SEPA stvara jedinstveno tržište platnih usluga. Povećana konkurencija između pružatelja platnih usluga i davatelja kartičnih usluga podjednako pogoduje potrošačima i tvrtkama jer mogu uživati u većem izboru visoko konkurentnih usluga potaknutih tehnološkim inovacijama (Europsko platno vijeće, 2022.a).

Abstract (english)

This work defines and explains the concepts of payment and card transactions, as well as what the SEPA (Single Euro Payments Area) region is. An analysis of the mentioned transactions has been conducted within the SEPA area, which is a unified euro payment area. The life of a modern human being is almost incomparable to twenty years ago, as technology has led to previously unimaginable levels in every segment of both, business and personal life. Technological progress has simplified and made the payment system of every country more accessible. In this thesis, we will see how easy it is today to make payments in euros with a single payment card and a single transaction account, whether during a visit to another country, online shopping, or transferring money to a friend's account who lives in another European country (European Payment Council, 2022). The most important characteristics of the SEPA project are simplicity, practicality, and efficiency for users. Consumers can rely on a single payment account and payment card in euros wherever they are in Europe, which gives them peace of mind when traveling around Europe or shopping online on websites located in other countries. Similarly, companies see increased business opportunities and can more easily access the wide European market. As they do not have to deal with multiple standards of payment cards for payments in euros, they save time and money. Additionally, SEPA creates a single market for payment services. Increased competition between payment service providers and card service providers equally benefits consumers and businesses as they can enjoy a wider choice of highly competitive services driven by technological innovation (European Payment Council, 2022.a).

• Keywords: SEPA područje; platne transakcije; kartične transakcije; platni promet; euro
• Keywords (english): SEPA area; payment transactions; card transactions; payment transactions; euro
• Language: croatian
• URN:NBN: urn:nbn:hr:148:379460
• Study programme: Title: Business Economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: stručni/a pristupnik/pristupnica ekonomije (stručni/a pristupnik/pristupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2023-07-14 10:45:20