Utjecaj disruptivnih inovacija na mobilni platni ekosustav

master's thesis

• Title (english): The impact of disruptive innovations on mobile payment ecosystem
• Author: Antonija Zagorc
• Mentor: Ivan Strugar (mentor)
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Božidar Jaković (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-07-06, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Sa stalnim razvojem tehnologije i rastućim opsegom transakcija, na tržištu mobilnog plaćanja sve je prisutniji veći broj inovacija. Razvoj financijske tehnologije u područjima kao što su mobilni internet, računarstvo u oblaku, veliki podaci i blockchain tehnologija značajno su promijenili financijsku industriju. Očekuje se da će FinTech dijelom narušiti tradicionalni bankarski poslovni model, prisiljavajući banke na transformaciju.

Predmet istraživanja rada su inovacije u mobilnom platnom ekosustavu. Cilj ovog rada je pružiti detaljan uvid u tehnologije koje su implementirane u mobilne metode plaćanja, te opisati čimbenike koji utječu na njihovu sve veću korištenost.

U sklopu rada provedeno je istraživanje, kojim je, metodom anketnog upitnika, obuhvaćen uzorak od 112 osoba, starosti između 18 i 35 godina. Cilj istraživanja je ocijeniti prihvaćenost mobilnog načina plaćanja kod mladog stanovništva Republike Hrvatske. Dobiveni rezultati obrađeni su metodom analize i deskripcije, te pokazuju da velik postotak ispitanika još uvijek ne koristi usluge digitalnog novčanika. Najveće povjerenje imaju u plaćanje kreditnim i debitnim karticama, te se njima koriste pri kupnji u fizičkim trgovinama, ali i putem interneta. Kod mobilnog plaćanja najbitniji su im sigurnost, jednostavnost i brzina izvršavanja transakcije, dok nepostojanje potrebe za nošenjem novčanika im nije od presudne važnosti.

Abstract (english)

With the continuous development of technologies and the growing volume of transactions, a number of innovations present in the mobile payments market is growing. The development of financial technology in areas such as mobile internet, cloud computing, big data, and blockchain technology has significantly changed the financial industry. FinTech is expected to partially disrupt the traditional banking business model, forcing banks to transform.

The subject of the research is innovations in the mobile payment ecosystem. The aim of this paper is to provide a detailed insight into the technologies that have been implemented in mobile payment methods and to describe the factors influencing their increasing use.

As part of the paper, research was conducted which, using a survey questionnaire, included a sample of 112 people, aged between 18 and 35 years. The aim of the research is to assess the acceptance of mobile payment methods among the young population of the Republic of Croatia. The results were processed by the methods of analysis and description, which show that a large percentage of respondents still do not use digital wallet services. Respondents are most confident in paying by credit and debit cards, which they use both in physical stores and online. When it comes to mobile payment, the most important factors for them are safety, convenience, and speed of transaction execution, while they do not care about not having to carry their wallets.

• Keywords: NFC tehnologija; mobilno plaćanje; digitalni novčanik; digitalna transformacija; beskontaktno plaćanje
• Keywords (english): mobile payment; NFC technology; contactless payment; digital wallet; digital transformation
• Language: croatian
• URN:NBN: urn:nbn:hr:148:756517
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and 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: 2021-07-13 07:11:20