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master's thesis
Utjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj
Pula: University of Pula, 2021. urn:nbn:hr:137:242483
Križić, Matea
University of Pula
Faculty of economics and tourism "Dr. Mijo Mirković"

Institutional repository: Digital Repository Juraj Dobrila University of Pula

Cite this document

Križić, M. (2021). Utjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj (Master's thesis). Pula: University of Pula. Retrieved from https://urn.nsk.hr/urn:nbn:hr:137:242483

Križić, Matea. "Utjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj." Master's thesis, University of Pula, 2021. https://urn.nsk.hr/urn:nbn:hr:137:242483

Križić, Matea. "Utjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj." Master's thesis, University of Pula, 2021. https://urn.nsk.hr/urn:nbn:hr:137:242483

Križić, M. (2021). 'Utjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj', Master's thesis, University of Pula, accessed 23 November 2024, https://urn.nsk.hr/urn:nbn:hr:137:242483

Križić M. Utjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj [Master's thesis]. Pula: University of Pula; 2021 [cited 2024 November 23] Available at: https://urn.nsk.hr/urn:nbn:hr:137:242483

M. Križić, "Utjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj", Master's thesis, University of Pula, Pula, 2021. Available at: https://urn.nsk.hr/urn:nbn:hr:137:242483

Metadata
TitleUtjecaj FinTech-a na digitalizaciju bankarstva u Hrvatskoj
Title (english)FinTech's Impact on the Digitization of Banking in Croatia
AuthorMatea Križić
MentorMarta Božina Beroš (mentor)
Committee memberManuel Benazić (predsjednik povjerenstva)
Committee memberMarta Božina Beroš (član povjerenstva)
Committee memberDaniel Tomić (član povjerenstva)
GranterUniversity of Pula
(Faculty of economics and tourism "Dr. Mijo Mirković")
Pula
Defense date and country2021-09-27, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Ovaj rad se bavi utjecajem digitalne transformacije te FinTech-a na bankarski sektor. Digitalna transformacija u bankarstvu može se definirati kao korištenje digitalnih tehnologija kako bi se pojednostavile bankovne transakcije i minimizirali operativni troškovi. Unutar digitalne transformacije i FinTech-a koji su promijenili način poslovanja banaka, PSD2 je revolucionarni regulatorni instrument koji omogućuje bankama da se u potpunosti transformiraju, dajući im pristup digitalnom bankarstvu istovremeno ih otvarajući konkurentima. Banke moraju biti spremne dijeliti podatke s novim industrijama te se tu pojavljuju pružatelji usluge plaćanja (PISP) i pružatelji usluge informiranja o računu (APIS). U Republici Hrvatskoj među prvima koja je u svom poslovanju odlučila primijeniti otvoreno, odnosno digitalno bankarstvo bila je Erste banka, s inovativnom aplikacijom Keks Pay koja je zahvaljujući PSD2 regulaciji probila granicu od 100 tisuća korisnika i više od 80 milijuna kuna transakcija. U Hrvatskoj se sve više pojavljuju nova trgovačka društva te njihovi inovativni financijski proizvodi poput prvog hrvatskog digitalnog novčanika Aircash. FinTech trgovačka društva imaju manji utjecaj na bankarski sektor u Hrvatskoj nego što je to na globalnoj razini.
Abstract (english)
This paper deals with the impact of digital transformation and FinTech on the banking sector. Digital transformation in banking can be defined as the use of digital technologies to simplify banking transactions and minimize operating costs. Within the digital transformation and FinTech that have changed the way banks operate, PSD2 is a revolutionary regulatory instrument, which allowed a radical transformation to traditional banks providing access to digital banking and opening them up to competition. Banks must be prepared to share data with new industries as new payment service providers (PISPs) and account information service providers (APIS) are emerging. In the Republic of Croatia, Erste Bank was among the first to decide to use open or digital banking in its business, with the innovative Keks Pay application, which, thanks to PSD2 regulation, broke the limit of 100,000 users and more than HRK 80 million in transactions. New companies and their innovative financial products, such as the first Croatian digital wallet Aircash, are increasingly appearing in Croatia. FinTech companies have less influence on the banking sector in Croatia than on a global level.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:137:242483
Study programmeTitle: Business Economics; Financial Management, Marketing Management, Management and Entrepreneurship,Tourism, Business Informatics; specializations in: Financial Management, Marketing Management, Management and Entrepreneurship, Tourism and Development, Business Informatics, Informatics Management
Course: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra poslovne ekonomije (magistar/magistra poslovne ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2021-10-01 10:28:02