Analiza modela i protokola elektroničkog plaćanja

master's thesis

• Title (english): Analysis models and protocols of electronic payments
• Author: Matej Meštrović
• Mentor: Mario Spremić (mentor)
• Committee member: Ivan Strugar (predsjednik povjerenstva)
• Committee member: Božidar Jaković (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2016-06-07, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Business Informatics

Abstract

Svrha elektroničkog novca i elektroničkog plaćanja je unaprijediti efikasnost postojećih sustava plaćanja i vjerojatno u konačnici zamijeniti novčanice i kovanice u maloprodajnim transakcijama. Osnovna ideja elektroničkog novca je zadržati prednosti i ukloniti nedostatke papirnatog novca. Međutim da bi se sve to postiglo potrebno je postupno razvijanje elektroničkog novca i sustava elektroničkog plaćanja te naravno povećanje sigurnosti i pouzdanosti takvog sustava.
Stoga, u ovom radu naglasak je na istraživanju i analiziranju sustava po kojima funkcionira elektroničko plaćanje, jer je budućnost monetarnog sustava u elektroničkom novcu i elektroničkom plaćanju s obzirom da se uobičajeni gotovinski novac sve manje koristi. Isto tako važno je istražiti neke novije vrste elektroničkog plaćanja poput kriptovaluta, beskontaktnog plaćanja, mobilnog plaćanja i sl. Naravno da je uz analiziranje sustava i protokola te samih prednosti sustava, potrebno istražiti i uvidjeti negativne strane takvog sustava plaćanja te obraditi probleme vezane uz sigurnost i rizike, utjecaj na ekonomiju i cjelokupno društvo. Osim toga cilj je analizirati neke modele elektroničkog plaćanja koji su provedeni u Hrvatskoj te razmotriti u kojem smjeru će se kretati budućnost elektroničkog plaćanja.

Abstract (english)

The purpose of electronic money and electronic payments is to improve the efficiency of existing system of payments and eventually replace notes and coins in retail transactions. The basic idea of electronic money is to retain advantages and to remove disadvantages of paper money. But to achieve all that, it is necessary to gradually develop electronic money and electronic payment systems, and of course increase the safety and reliability of such systems.
Therefore, in this paper, the emphasis is on research and analysis of system after which electronic payment works, because future of the monetary system is electronic money and electronic payments because cash money is used less and less. Also it is important to explore some of the newer types of electronic payments such as crypto currency, contactless payments, mobile payments and similar. Along with analyzing the system and protocols and their advantages, it is important to explore and observe negative aspects of such system and process issues related to security and risk, impact on economy and society. In addition the aim is to analyze some models of electronic payments that have been implemented in Croatia and to consider in which direction the future of electronic payments will move.

• Keywords: elektronički novac; elektroničko plaćanje; modeli elektroničkog plaćanja; analiza modela elektroničkog plaćanja; beskontaktno plaćanje; mobilno plaćanje; digitalna transformacija poslovanja
• Keywords (english): electronic money; electronic payment; electronic payment models; analysis models of electronic payment; contactless payments; mobile payments; digital business transformation
• Language: croatian
• URN:NBN: urn:nbn:hr:148:920080
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2016-09-29 12:12:17