Izazovi financijske uključenosti u doba digitalnih valuta

master's thesis

• Title (english): The challenges of financial inclusion in the age of digital currencies
• Author: Sara Kovačević
• Mentor: Marijana Ivanov (mentor); MBZ: 210365
• Committee member: Marijana Ivanov (predsjednik povjerenstva)
• Committee member: Gordana Kordić (član povjerenstva)
• Committee member: Dajana Barbić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2022-02-22, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Financijska uključenost označuje pristup financijskim uslugama poput plaćanja, štednje, kredita te osiguranja. Zbog uloge koju pristup i korištenje financijskih usluga imaju u svakodnevnom životu pojedinaca, kao i zbog njihovog utjecaja na stabilnost i efikasnost financijskog sustava, postizanje veće financijske uključenosti postaje važan cilj u sve većem broju zemalja. Zadatak politika, u svrhu povećanja financijske uključenosti, je smanjiti barijere koje utječu na nedostupnost financijskih usluga. Na temelju podataka o vrstama barijera, vlade država donose strategije u cilju postizanja veće financijske uključenosti. Osim njih, u postizanju veće financijske uključenosti veliku ulogu ima i privatni sektor kroz pružanje inovacija koje financijske usluge čine dostupnijim i jeftinijim. Predmet ovog rada je značaj financijske uključenosti za stanovništvo i stabilnost financijskog sustava te uloga države i privatnog sektora u smanjenju barijera koje utječu na financijsku uključenost. Cilj ovog rada je prikazati na koji način inovacije financijskih usluga te pojava digitalnih valuta mogu utjecati na barijere koje utječu na manju financijsku uključenost.

Abstract (english)

Financial inclusion means access to financial services such as payments, savings, credit and insurance. Due to the role that access and the use of financial services have in the everyday life of individuals, as well as their impact on the stability and efficiency of financial system, achieving greater financial inclusion has become an important goal in the growing number of countries. The role of the policies is to reduce the barriers that impact the accessibility of financial services. In order to achieve greater financial inclusion, governments develop strategies which are based on data regarding the financial access barriers. The role of private sector in achieving financial inclusion is to provide inovation that would make financial services more accessible and cheaper. The subject of this paper is the significance of financial inclusion for the population and the stability of financial system, as well as the role of the government and the private sector in reducing the barriers that impact financial inclusion. The purpose of this paper is to demonstrate the impact which financial services inovation, as well as the introduction of digital currencies, could have on barriers to financial access.

• Keywords: financijska uključenost; barijere; strategije; inovacije financijskih usluga; digitalne valute
• Keywords (english): financial inclusion; barriers; strategies; financial services inovation; digital currencies
• Language: croatian
• URN:NBN: urn:nbn:hr:148:514455
• 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: 2022-02-23 15:25:02