PRIMJENA INOVATIVNIH TEHNOLOŠKIH RJEŠENJA U FINANCIJSKOJ INDUSTRIJI I ČIMBENICI UTJECAJA NA NJIHOVO KORIŠTENJE

master's thesis

• Title (english): APPLICATION OF INNOVATIVE TECHNOLOGICAL SOLUTIONS IN THE FINANCIAL INDUSTRY AND FACTORS OF INFLUENCE ON THEIR USE
• Author: Petar Dželalija
• Mentor: Ana Ivanišević Hernaus (mentor); MBZ: 302584
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Nikola Vlahović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-07-05, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Posljednjih desetak godina u financijskoj industriji dolazi do kontinuiranih promjena poslovnih modela i procesa, uzrokovanih kombinacijom ekonomske krize, pojačane regulacije i eksponencijalnog tehnološkog rasta. Glavni pokretač promjena u financijskoj industriji u tom periodu bila je informacijska i komunikacijska tehnologija. Cilj rada bio je analizirati primjene suvremenih tehnologija na financijskom tržištu, te nove sudionike tržišta koji, koristeći inovativna tehnološka rješenja, mijenjaju način na koji se odvijaju i realiziraju plaćanja, prijenos financijskih sredstava, ulaganja, zaduženja i na koji se koriste druge financijske usluge i proizvodi. U radu je definiran sektor financijske tehnologije (eng. Fintech) te je izložena njegova sistematizacija. Fintech donosi digitalnu transformaciju financijskog poslovanja te predstavlja sektor s velikim potencijalom rasta i razvoja. Fintech kompanije predstavljaju izazov regulatorima i postojećim sudionicima financijskog tržišta koji mijenjaju vlastite poslovne modele kako bi pratile korak s tehnološkim trendovima u industriji. Provedeno je istraživanje s ciljem ispitivanja stavova studenata o čimbenicima koji utječu na korištenje fintech usluga. S obzirom na brojne promjene okoline i potrebe društva za prelazak na brze, jednostavne i praktične digitalne usluge i proizvode, fintech sektor postaje sve aktualniji i sve snažnije mijenja financijski ekosustav i lance vrijednosti u financijskoj industriji.

Abstract (english)

In the last ten years, there have been continuous changes in business models and processes in the financial industry, caused by a combination of economic crisis, increased regulation and exponential technological growth. The main driver of change in the financial industry in that period was information and communication technology. The aim of the paper was to analyze the application of modern technologies in the financial market, and new market participants which, using innovative technological solutions, change the way payments, money transfer, investments, borrowings and other financial services and products are used. The paper defines the financial technology (fintech) sector and gives its systematization. Fintech brings a digital transformation of financial operations and represents a sector with great potential for growth and development. Fintech companies challenge regulators and existing financial institutions who are changing their own business models to keep pace with technological trends in the industry. Research has been conducted to examine student's attitudes about the factors that influence the use of the Fintech service. Given the many changes in the environment and the needs of society to switch to fast, simple and practical digital services and products, the fintech sector is becoming increasingly relevant and increasingly changing traditional financial ecosystem and value chains in the financial industry.

• Keywords: financijska industrija; inovacije; financijska tehnologija; digitalno bankarstvo; mobilno plaćanje; fintech ekosustav
• Keywords (english): financial industry; innovations; financial technology; digital banking; mobile payments; fintech ecosystem
• Language: croatian
• URN:NBN: urn:nbn:hr:148:226682
• 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 authenticated users
• Created on: 2021-07-05 21:02:20