| Abstract | Rad „Razvoj FinTech-a u Republici Hrvatskoj“ je usmjeren na pojam FinTech-a. Cilj rada je pojasniti pojam FinTech-a te analizirati FinTech tvrtke na odabranim primjerima svjetskih i hrvatskih firmi. FinTech obuhvaća novu tehnologiju koja se koristi za poboljšanje i automatizaciju svih aspekata financijskog tržišta. Za izradu rada korišteni su znanstveni radovi, stručni članci te službene stranice tvrtki koje se analiziraju. Korištene metode pri izradi rada su metoda analize, komparacije, dedukcije i kompilacije. U radu se razrađuju povijesna razdoblja FinTech-a i podjele FinTech-a na područja. FinTech, povijesno, se dijeli na tri razdoblja, nazvana FinTech 1.0., FinTech 2.0., FinTech 3.0. Rad također objašnjava podjelu FinTech-a na njegova područja. FinTech se dijeli na četiri velika segmenta, to su: FinTech kredit, FinTech debit, Blockchain i druge primjene FinTech-a poput upravljanja sredstvima. Nadalje, rad uspoređuje FinTech tvrtke i tradicionalne banke te nabraja FinTech-ove prednosti i rizike. Za primjere FinTech tvrtki odabrane su jedne od najvećih u svojim područjima, u Hrvatskoj su to Aircash, Electrocoin i Oradian. Rad analizira i hrvatsko FinTech tržište, probleme koje FinTech tvrtke imaju pri pokretanju start-upa te kako se ti problemi riješavaju. Također, kroz rad se prikazuje pregled sveukupne ponude na hrvatskom FinTech tržištu, u tom dijelu rada se spominju još neke FinTech tvrtke koje nisu ranije analizirane. Rad analizira i kolika je prihvaćenost FinTech usluga u Hrvatskoj. |
| Abstract (english) | The paper "Development of FinTech in the Republic of Croatia" focuses on the concept of FinTech. The aim of the paper is to clarify the concept of FinTech and to analyze FinTech companies based on selected examples of global and Croatian companies. FinTech encompasses new technology used to improve and automate all aspects of the financial market. Scientific papers, professional articles and official websites of the companies being analyzed are used for the preparation of the paper. The methods used in the preparation of the paper are the methods of analysis, comparison, deduction and compilation. The paper elaborates on the historical periods of FinTech and the division of FinTech into areas. FinTech, historically, is divided into three periods, called FinTech 1.0, FinTech 2.0, FinTech 3.0. The paper also explains the division of FinTech into its areas. FinTech is divided into four major segments, namely: FinTech credit, FinTech debit, Blockchain and other applications of FinTech such as asset management. Furthermore, the paper compares FinTech companies and traditional banks and lists FinTech's advantages and risks. As examples of FinTech companies, the largest in their fields were chosen, in Croatia they are Aircash, Electrocoin and Oradian. The paper also analyzes the Croatian FinTech market, all the problems that FinTech companies have when launching a start-up and how these problems are solved. Also, the paper analyzes the overall offer on the Croatian FinTech market, in that part of the paper some other FinTech companies that were not previously analyzed are mentioned. The paper also analyzes the level of acceptance of FinTech services in Croatia. |
