Uloga i važnost Fintech poduzeća u platnom prometu

undergraduate thesis

• Title (english): The Role and Importance of FinTech Companies in Payment Transactions
• Author: Maria Vujčić
• Mentor: Maja Mihelja Žaja (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2023-09-21, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Financijska tehnologija od početka svoje pojave mijenja bankarski sektor, ali i u današnje vrijeme s novijim inovacijama i sektor platnog prometa i osiguranja. Mijenja cijelu industriju financijskog poslovanja, uvođenjem inovacija u već korištene usluge i proizvode ili putem osnivanja startup FinTech poduzeća koji primarno primjenjuju tehnologiju kako bi pružili korisnicima što bolje proizvode i usluge u financijskom sektoru. Mišljenje korisnika za takva poduzeća je najbitnije, te se invacije razvijaju sukladno njihovim potrebama. Osim novih proizvoda, usluga i poduzeća, na tržištu kapitala se pojavljuju sve više zamjene za novac, primjerice digitalne novčane jedinice, tj. kriptovalute. Koje su izazvale slabije, ali značajne promjene u platnom prometu. Uz sve te promjene i inovacije bilo je nužno uvesti regulativu, odnosno RegTech. Nove tehnologije u FinTech-u uključuju razne inovacije poput blockchain i tehnologiju distribuirane knjige (DLT), biometriju, kvantno računanje, računalstvo u oblaku, računalstvo otvorenog koda i API-je i AI.

Abstract (english)

Financial technology has been transforming the banking sector since its inception, and even today, with newer innovations, it is impacting the payment and insurance sectors. It is reshaping the entire financial industry by introducing innovations into existing services and products, as well as through the establishment of FinTech startups that primarily leverage technology to provide customers with better financial sector products and services. User feedback is of utmost importance for such companies, and innovations are developed in line with their needs. In addition to new products, services, and companies, the capital market is witnessing the emergence of various alternatives to traditional currency, such as digital currencies, i.e., cryptocurrencies. These have caused minor but significant changes in payment transactions. With all these changes and innovations, it was necessary to introduce regulation, known as RegTech. New technologies in FinTech include various innovations such as blockchain and distributed ledger technology (DLT), biometrics, quantum computing, cloud computing, open-source computing, and APIs, as well as AI.

• Keywords: financijska tehnologija (FinTech); bankarski sektor; platni promet; inovacije; startup; korisnici; kriptovalute; regulativa (RegTech); blockchain; umjetna inteligencija (AI).
• Keywords (english): Financial technology (FinTech); Banking sector; Payment transactions; Innovations; Startup; Users; Cryptocurrencies; Regulation (RegTech); Blockchain; Artificial intelligence (AI)
• Language: croatian
• URN:NBN: urn:nbn:hr:148:556465
• Study programme: Title: Business Economics; specializations in: Trade Business Operations, Tourism Business Operations, Accounting and Finances, Business Secretary; Course: Accounting and Finances; 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 authenticated users
• Created on: 2023-09-25 10:16:30