20.500.12556/DKUM-94498 Kako razvoj platform za množično financiranje vpliva na investiranje fizičnih oseb How the development of crowdfunding platforms is affecting investment by individuals Diplomsko delo z naslovom »Kako razvoj platform za množično financiranje vpliva na investiranje fizičnih oseb« preučuje, kako sodobne tehnologije in digitalizacija vplivajo na spremembe v investicijskem vedenju posameznikov. V teoretičnem delu naloge so predstavljene glavne značilnosti množičnega financiranja (ang. crowdfunding), vključno z njegovimi oblikami – donacijsko, nagradno, posojilno in lastniško – ter zgodovinski pregled razvoja platform, kot so Kickstarter, Seedrs in GoFundMe. Analizirane so tudi prednosti in slabosti tega alternativnega modela financiranja, pri čemer so izpostavljene večja dostopnost, nižji vstopni prag ter večja transparentnost, kot tudi določena tveganja, povezana z zlorabami, pomanjkanjem regulacije in čustvenim odločanjem. Posebna pozornost je namenjena vplivu tehnologij, kot so umetna inteligenca, algoritmi strojnega učenja, blockchain ter pametne pogodbe, ki povečujejo učinkovitost in varnost kampanj. Empirični del naloge temelji na anketi, izvedeni med slovenskimi uporabniki, ki je omogočila kvantitativno oceno hipotez. Rezultati potrjujejo, da so mlajše osebe bolj seznanjene z množičnim financiranjem, da je socialna bližina pomemben dejavnik podpore projektom, da platforme prispevajo k občutku varnosti in da je crowdfunding za marsikoga smiselna alternativa bankam. Delo s tem ponuja vpogled v dinamičen razvoj investicijskega okolja in spreminjajočo se vlogo fizičnih vlagateljev v digitalni dobi. The thesis titled “How the Development of Crowdfunding Platforms Affects Investment Behaviour of Individuals” explores how modern technologies and digitalization influence changes in individual investment behaviour. The theoretical part of the thesis presents the main characteristics of crowdfunding, including its different models – donation-based, reward-based, lending-based, and equity-based – as well as a historical overview of platform development, focusing on examples such as Kickstarter, Seedrs, and GoFundMe. The analysis also covers the advantages and disadvantages of this alternative financing model, highlighting greater accessibility, lower entry thresholds, and increased transparency, as well as certain risks related to misuse, lack of regulation, and emotionally driven decisions. Special attention is given to the impact of technologies such as artificial intelligence, machine learning algorithms, blockchain, and smart contracts, which contribute to the efficiency and security of campaigns. The empirical part of the thesis is based on a survey conducted among Slovenian users, which enabled a quantitative evaluation of the hypotheses. The results confirm that younger individuals are more familiar with crowdfunding, that social proximity is a significant factor in project support, that platforms contribute to a sense of security, and that crowdfunding represents a meaningful alternative to bank financing for many. This thesis thus provides insight into the dynamic development of the investment landscape and the evolving role of individual investors in the digital age. množično financiranje analiza investiranja tveganje diverzifikacija investiranja crowdfunding investment analysis risk investment diversification true true false L. Majeričr] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2025-08-19 16:26:04 2025-10-22 12:51:19 2025-10-23 03:14:54 0000-00-00 00:00:00 2025 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 658.14:004 254287107 UN_Jersic_Ziga_2025.pdf UN_Jersic_Ziga_2025.pdf 1 E408AE3497E6C98451E79C89575D76E4 d3950ac23c5f59fcebd624ec14149ece642c40588bad65098b8d82bd3c134c61 f738ea7a-a776-11f0-8d75-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=199789 Ekonomsko-poslovna fakulteta 0 0 0