Korištenje digitalnih novčanika u Republici Hrvatskoj

master's thesis

• Title (english): Use of Digital Wallets in the Republic of Croatia
• Author: Sabina Lončar
• Mentor: Mirjana Pejić Bach (mentor)
• Committee member: Ivan Strugar (predsjednik povjerenstva)
• Committee member: Jovana Zoroja (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Informatics); Zagreb
• Defense date and country: 2021-09-22, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Business Informatics

Abstract

Tehnološke i informacijske inovacije omogućile su da se poslovanja poduzeća različitih struktura i djelatnosti digitalno transformiraju. Razvojem naprednih tehnologija obavljanje transakcija je jednostavnije no ikad prije. Nošenje prepunog novčanika gotovine, kreditnih kartica i kartica lojalnosti uskoro će biti prošlost jer prisutnost digitalnih novčanika na tržištu svakodnevno raste. Da bi ostale konkurentne, banke su primorane pratiti ovaj trend te ponuditi klijentima one najtraženije usluge.
PayPal je najčešće korištena digitalna metoda plaćanja u svijetu, a broj korisnika i obavljenih transakcija zadnjih godina ubrzano raste. Hrvatske banke su krenule svjetskim stopama, a prva od njih je Privredna banka Zagreb koja pruža svojim klijentima upotrebu Google novčanika i Apple Pay-a. Korisnici mogu instalirati neku od ovih aplikacija te bezbrižno obavljati kupovinu pomoću mobilnog uređaja. Također, Hrvatska ima i svoj prvi digitalni novčanik, Aircash. Iako pruža mnogobrojne pogodnosti građani još uvijek nisu dovoljno upoznati.
Upotreba gotovine se značajno smanjuje na godišnjoj razini, dok upotreba digitalnih novčanika raste. U užurbanom načinu života navike potrošača prilikom kupovine su se promijenile te su brzina i jednostavnost najbitnije karakteristike svakom pojedincu. Gotovina je još uvijek prisutna u velikoj mjeri, no da bi potpuno nestala sa tržišta potrebno je puno vremena i prilagodbe, a upitno je hoće li se to uopće i dogoditi.

Abstract (english)

Technological and informational inovations have enabled the digital transformation of buisness of companies of different structures. With the development of advanced technologies, conducting transactions is easier than ever. Cash, credit and loyalty cards will soon be a thing of the past as the presence of digital wallets in the market grows daily. To stay competitive, banks are forced to follow this trend an offer up to date services to their clients.
PayPal is the most used digital method of paying in the world, and the number of its users as well as performed transactions, grows each year. Croatian banks started to follow world trends, and the first one to start is Privredna banka Zagreb, which provides the service of Google wallets and Apple Pay app to it's users. They can install theese apps and make their purchases with their mobile phones. Croatia also has its first digitl wallet, Aircash. Although it provides a lot of services, many citizens don't know a lot about it.
Cash useage is significantly decreasing, while at the same time, the usage of digital wallets is increasing annually. Considering a hectic lifestyle most people lead today, their spending habits have significantly changed. Speed and simplicity are by far the most important characteristics to each individual. Cash is still largely present, and to fully be replaced with digital banking, it takes a lot of time and adjustment and it is also questionable whether it will ever happen.

• Keywords: digitalni novčanik; transakcije; gotovina; jednostavnost; mobilni uređaj; digitalizacija
• Keywords (english): Digital Wallet; transactions; cash; simplicity; mobile device; digitization
• Language: croatian
• URN:NBN: urn:nbn:hr:148:242547
• 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: 2021-09-22 09:22:59