20.500.12556/DKUM-58401 MEDBANČNE PROVIZIJE PRI KARIČNIH PLAČILIH IN NJIHOVA REGULACIJA ZNOTRAJ EVROPSKE UNIJE INTERCHANGE FEES IN CARD PAYMENTS AND THEIR REGULATION WITHIN THE EUROPEAN UNION V diplomskem delu smo predstavili področje kartičnih plačil in medbančnih provizij pri kartičnih plačilih ter uvedbo regulacije medbančnih provizij v Evropski uniji. Kartice so najpogosteje uporabljen negotovinski plačilni instrument v Evropski uniji, predvsem zaradi njihove enostavne, varne in učinkovite uporabe. V večini primerov so kartična plačila povezana z večstranskimi medbančnimi provizijami, ki potekajo od banke prejemnika plačila k banki plačnika. Medbančne provizije so bile v zadnjih letih postavljene v ospredje diskusij na ravni Evropske unije, saj je velika raznolikost in visoka stopnja medbančnih provizij rušila konkurenco na trgu in preprečevala vstop na trg za nove udeležence. Zato so bile vedno jasnejše potrebe po njihovi regulaciji. Junija 2015 je tako začela veljati Uredba o medbančnih provizijah za kartične plačilne transakcije. Regulacija bo pripomogla k integraciji trga kartičnih plačil na območju Evropske unije, prispevala bo k večji konkurenci in inovativnosti ter omogočila vstop novim izvajalcem in shemam na trg. Posledica nižjih medbančnih provizij bo zmanjšanje stroškov za trgovce in posledično tudi za potrošnike. The thesis sets out to present the situation in the field of card payments, interchange fees for card payments and the introduction of the regulation of interchange fees in the European Union. Bankcards are the most widely used non-cash payment instrument in the European Union, mainly because of their simple, safe and effective use. In most cases, card payments are linked to multilateral interchange fees, which are carried out from the bank of the payee to that of the payer. In recent years, interchange fees have been in the forefront of discussions at the European Union level, because their great range and degree are believed to have been destabilising market competition and preventing market entry for new operators. Therefore, the need for their regulation has become increasingly pronounced. In June 2015, the Regulation on interchange fees for card-based payment transactions was put into action. Besides contributing to the integration of the market of card payments in the European Union, the regulation is also expected to bring about greater competition and innovation, as well as allow the entry of new operators and schemes on the market. Due to lower interchange fees, it will reduce costs for traders and, consequently, consumers. medbančne provizije kartična plačila regulacija Interchange Fees Card Payments Regulation true true false [M. Hüttl] Slovenski jezik Angleški jezik Diplomsko delo 2016-04-18 09:52:47 2016-06-09 13:37:27 2022-06-16 03:08:23 2019-07-11 10:38:20 2016 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 12317468 URN:SI:UM:DK:2GXPDCOL UN_Huettl_Mojca_2016.pdf UN_Huettl_Mojca_2016.pdf 1 591B33E4CF834A28333F677693A741FF 8981ff77e1502a9b78f5a3f7a3d33b0569ae3323ca4473e6a7a251195318787c 77933548-7c0c-11eb-bb7a-00155d0001ca https://dk.um.si/Dokument.php?lang=slv&id=91743 Ekonomsko-poslovna fakulteta 0 0 0