Financijske inovacije i njihov utjecaj na financijske usluge

master's thesis

• Title (english): Financial innovations and their impact on financial services
• Author: Domagoj Đurić
• Mentor: Ana Ivanišević Hernaus (mentor)
• Committee member: Ana Ivanišević Hernaus (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-09-29, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Financijski sektor sastavni je dio svake ekonomije, a njegova efikasnost iznimno utječe na
uspješnost gospodarstava zemalja u kojima se nalazi. Podijeljen je na sektore bankarstva,
upravljanja imovinom i osiguranja. Financiranje, platni promet, upravljanje rizicima,
investiranje i mnoge druge financijske usluge su do u nazad desetak godina dominantno
pružane od strane tradicionalnih institucija poput banaka te osiguravajućih i investicijskih
kuća. Visok stupanj digitalizacije, uporabe interneta, eksponencijalan tehnološki rast te
pojačana regulacija u razdoblju nakon velike ekonomske krize doveli su do stvaranja novih,
inovativnih načina pružanja financijskih usluga – financijskih inovacija, a izraz kojim se
definiraju proizvodi, aplikacije, procesi i poslovni modeli nastali iz ovakve promjene
okruženja je „FinTech.“ Razvoj i potencijal „FinTech“-a potaknuo je stvaranje novih
kompanija koje prodiru u financijski sektor i preuzimaju sve veće tržišne udjele, a zbog
ulaska nove konkurencije na tržištu i tradicionalne su institucije primorane mijenjati i
prilagođavati svoje poslovne modele i pratiti aktualne trendove kako bi zadržale vodeće
pozicije. U radu su opisane glavne karakteristike financijskih inovacija i dani primjeri
kompanija koje su ih implementirale u svoje poslovanje, a cilj je analizirati učinke koje će
financijske inovacije u sklopu dinamičnog i konkurentnog financijskog tržišta imati na
financijske usluge, a time i na pružatelje usluga te njihove korisnike.

Abstract (english)

The financial sector is an integral part of any economy, and its efficiency greatly affects the
performance of the economies of the countries in which it is located. It is divided into the
banking, asset management and insurance sectors. Financing, payment operations, risk
management, investing and many other financial services have been predominantly provided
by traditional institutions such as banks and insurance and investment houses until the past
ten years. The high degree of digitalization, use of the Internet, exponential technological
growth and increased regulation in the period after the great economic crisis have led to the
creation of new, innovative ways of providing financial services - financial innovation, and
the term that defines products, applications, processes and business models arising from this
change in environment is "FinTech." The development and potential of "FinTech" has
encouraged the creation of new companies that penetrate the financial sector and take on
increasing market shares and due to new competition in the market traditional institutions are
also forced to change and adapt their business models and follow current trends to maintain
leading positions. The paper describes the main characteristics of financial innovations and
gives examples of companies that have implemented them in their business operations, and
aims to analyze the effects that financial innovations in a dynamic and competitive financial
market will have on financial services and thus on their providers and their users.

• Keywords: „FinTech“; financijske inovacije; financijski sektor; kriptovalute; crowdfunding
• Keywords (english): „FinTech“; financial innovation; financial sector; cryptocurrency; crowdfunding
• Language: croatian
• URN:NBN: urn:nbn:hr:148:101133
• 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
• Created on: 2021-09-30 10:06:08