20.500.12556/DKUM-89938 Digitalna valuta centralne banke Digital currency of the central bank To diplomsko delo obravnava razvoj in trenutno stanje digitalnih valut centralnih bank (CBDC). Preučujemo njihovo zgodovinsko ozadje, vlogo v današnjem finančnem sistemu ter njihov prihodnji potencial. Poleg tega obravnavamo različne oblike elektronskega denarja, vključno s kriptovalutami, elektronskimi denarnicami, mobilnimi plačilnimi sistemi, predplačniškimi karticami in spletnimi plačilnimi sistemi. Naša raziskava je pokazala, da CBDC že igra pomembno vlogo v današnjem finančnem sistemu, saj bistveno izboljša učinkovitost samih transakcij in tudi povečuje verodostojnost po vsem svetu. Številne države aktivno raziskujejo in že uporabljajo CBDC, da bi povečale finančno vključenost in zmanjšale stroške transakcij. Namen tega diplomskega dela je ponuditi celovit vpogled v tematiko centralnobančnih digitalnih valut (CBDC) in ponuditi ključne vpoglede v njihov vpliv, njihove posledice in možnosti izvajanja. This thesis examines the development and current state of Central Bank Digital Currencies (CBDCs). We examine their historical background, their role in today's financial system, and their future potential. In addition, we handle various forms of electronic money, including cryptocurrencies, electronic wallets, mobile payment systems, prepaid cards and online payment systems. Our research has shown that CBDC already plays an important role in today's financial system, as it significantly improves the efficiency of the transactions themselves and also increases credibility, all over the world. Many countries are actively exploring and already using CBDCs to increase financial inclusion and reduce transaction costs. The purpose of this thesis is to offer a comprehensive insight into the subject of Central Bank Digital Currencies (CBDC) and to offer key insights into their influence, their consequences and implementation options. Digitalna valuta centralne banke (CBDC) centralne banke digitalizacija plačila finančne inovacije Central Bank Digital Currency (CBDC) Central Banks Digitalization Payments Financial Innovation true true false E. Krstevska Slovenski jezik Angleški jezik Diplomsko delo/naloga 2024-08-19 14:04:38 2024-10-02 11:03:35 2024-10-03 03:11:32 0000-00-00 00:00:00 2024 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.74:004 209840131 UN_Krstevska_Evgenija_2024.pdf UN_Krstevska_Evgenija_2024.pdf 1 EE8E170A13BF80B1CFC36C435D040ABA 5766077329b4d382f8d3e0142e4efc33a812eafa54aad307c67612e2652e40c0 4c0f2b94-6c55-11ef-8fd5-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=184579 Ekonomsko-poslovna fakulteta 0 0 0