Utjecaj revidirane Direktive o platnim uslugama na razvoj digitalnog bankarstva

master's thesis

• Title (english): The impact of revised Payment Services Directive on the development of digital banking
• Author: Tena Pejak
• Mentor: Anita Pavković (mentor)
• Committee member: Maja Mihelja Žaja (predsjednik povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Committee member: Anita Pavković (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-09-20, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Cilj ovog rada je bio istražiti utjecaj direktive na digitalno bankarstvo članica Europske unije, ali i utjecaj direktive na ostale sudionike na tržištu s naglaskom na fintech kompanije i klijente banaka. Svaka država putem platnog prometa, kao neizostavnog dijela gospodarstva u cjelini, omogućava sigurno i efikasno korištenje novca kao sredstva plaćanja. Upravo se u platnom prometu vrše sva bezgotovinska plaćanja između platitelja i primatelja plaćanja čijom se regulacijom revidirana Direktiva o platnim uslugama i bavi. Banke više nisu jedine koje imaju pristup podacima o klijentima, te ih dijele sa drugim tvrtkama koje temeljem toga stvaraju vlastite financijske proizvode, što je popraćeno sigurnosno zaštićenom tehnologijom. Posljedično sudionici su izloženi operativnim, financijskim i sigurnosnim rizicima, a ponajviše rizicima za sigurnost povezanim s elektroničkim plaćanjem. Radom je obrađen utjecaj Direktive na bankarske sustave članica EU, na poslovanje fintech kompanija, na pružatelje platnih usluga te na klijente banaka. Na temelju analize donesen je zaključak da revidirana Direktiva o platnim uslugama pospješuje suradnju između banaka i fintech kompanija. Potiče poduzetništvo, omogućuje veća prava za potrošače i bolju regulaciju i provedbu same direktive u nacionalno zakonodavstvo. Ali, uz povećanje bezgotovinskog prometa, pojavljuju se i povezani veći operativni i sigurnosni rizici. Stoga, u usporedbi sa prijašnjom Direktivom (PSD1), povećan je dio zaštite podataka i stavljen veći naglasak na praćenje i sprječavanja povezanih rizika. No, s obzirom na dinamično tržište i česte inovacije u plaćanju, još su potrebna daljnja istraživanja utjecaja revidirane Direktive o platnim uslugama u budućnosti.

Abstract (english)

The aim of this paper was to investigate the impact of the directive on digital banking of EU member states, but also the impact of the directive on other market participants with an emphasis on fintech companies and bank clients. Every country, through payment transactions, as an indispensable part of the economy as a whole, enables the safe and efficient use of money as a means of payment. It is in payment transactions that all non-cash payments are made between the payer and the payee whose regulation is covered by revised Payment Services Directive. Banks are no longer the only ones who have access to customer data, and share it with other companies that create their own financial products based on that, which is accompanied by security-protected technology. Consequently, participants are exposed to operational, financial and security risks, and most of all to security risks associated with electronic payment. The paper deals with the impact of the Directive on the banking systems of EU member states, on the operations of fintech companies, on payment service providers and on bank clients. Based on the analysis, it was concluded that the revised Payment Services Directive enhances cooperation between banks and fintech companies. It encourages entrepreneurship, enables greater consumer rights and better regulation and implementation of the directive itself into national law. But with the increase in non-cash turnover, there are also associated higher operational and security risks. Therefore, compared to the previous Directive (PSD1), part of data protection has been increased and more emphasis has been placed on monitoring and preventing associated risks. However, given the dynamic market and frequent innovations in payments, further research into the impact of the revised Payment Services Directive in the future is still needed.

• Keywords: PSD2 direktiva; banke; fintech; platni promet
• Keywords (english): PSD2 directive; banks; fintech; payment operations
• Language: croatian
• URN:NBN: urn:nbn:hr:148:346084
• 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: Open access; Embargo expiration date: 2022-03-20
• Created on: 2021-09-20 16:14:20