INFORMACIJSKA INTEGRACIJA PLAČILNIH SISTEMOV

Požek, Mihaela

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Title:	INFORMACIJSKA INTEGRACIJA PLAČILNIH SISTEMOV
Authors:	ID Požek, Mihaela (Author) ID Bobek, Samo (Mentor) More about this mentor...
Files:	UNI_Pozek_Mihaela_2009.pdf (383,32 KB) MD5: 05D4F2129C55165FE00EAFAF12B6E05C PID: 20.500.12556/dkum/233e3125-d7dd-42fb-96b9-bbde6e689afe
Language:	Slovenian
Work type:	Undergraduate thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Področje plačilnih sistemov v osnovi temelji na ustrezni informacijski podpori, ki zagotavlja opravljanje storitev plačilnega prometa ter izpolnjuje zahteve glede varnosti in standardov pri delovanju plačilnih sistemov. Plačilni sistemi so v razvitih gospodarstvih pomemben del finančne infrastrukture, saj omogočajo poravnavo denarnih obveznosti, ki nastanejo pri poslovanju ekonomskih subjektov in s tem vplivajo na splošno stabilnost in učinkovitost gospodarstev. Informacijske integracija na področju plačilnih sistemov zahteva visoko razvito informacijsko tehnologijo, ki podpira standarde, upošteva pravila delovanja in varnosti pri poslovanju. Razvoj informacijske tehnologije in proces globalizacije evropskega gospodarstva sta dejavnika, ki v bančni sektor prinašata novosti in razvoj novih oziroma izpopolnjenih storitev plačilnega prometa. Pomemben projekt v okviru informacijske integracije plačilnih sistemov je vzpostavitev delovanja plačilnega sistema SEPA, ki nudi storitev opravljanja plačilnega prometa v evrih vsem uporabnikom znotraj Evrope pod enakimi pogoji za vse transakcije tako znotraj državnih meja kot za čezmejna plačila. Začetek delovanja sistema SEPA je bil januarja 2008, ko so banke strankam ponudile prve SEPA plačilne instrumente — SEPA plačilne kartice, sicer je popolna uvedba projekta SEPA predvidena do konca leta 2010. Poudariti velja, da projekt SEPA prinaša pomembne prednosti za poslovanje podjetjih in posameznikov. SEPA prinaša večjo konkurenco, kar omogoča cenejše in dostopnejše opravljanje storitev plačilnega prometa, prinaša tehnične inovacije in vseevropsko standardizacijo. Z vidika banke je sicer začetni ekonomski vpliv negativen, kajti zmanjšujejo se prihodki iz naslova opravljenih storitev plačilnega prometa in tudi stroški prehoda na novo infrastrukturo so visoki. Kljub vsemu projekt SEPA velja za dolgoročno investicijo, ki bo prinašala pozitivne ekonomske učinke. Storitve bank bodo izpopolnjene in s časoma bodo banke nudile tudi nove storitve, kar bo vsekakor na ravni celotnega evropskega gospodarstva prinašalo pozitiven vpliv.
Keywords:	plačilni sistemi, plačilni instrumenti, SEPA, standardi na področju plačilnih sistemov, informacijska integracija, finančna integracija
Place of publishing:	Bistrica ob Sotli
Publisher:	[M. Požek]
Year of publishing:	2009
PID:	20.500.12556/DKUM-11597
UDC:	336.71
COBISS.SI-ID:	10060828
NUK URN:	URN:SI:UM:DK:88NB15LN
Publication date in DKUM:	08.12.2009
Views:	2089
Downloads:	203
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	INFORMATION INTEGRATION OF PAYMENT SYSTEMS
Abstract:	Payment systems are based on adequate information support which enables money transfer and complies with the requirements considering the security and standards for the work of the payment systems. Payment systems are an important part of the financial infrastructure in developed economies, as they enable settling debts, which result from the business operations of economic subjects and influence the general stability and efficiency of economies. Information integration in the field of payment systems requires a highly developed information technology which supports standards and follows the rules of engagement and security. The development of information technology and globalization of European economy are two factors which bring novelties and development of new or improved service of money transfer into banking. An important project in information integration in the field of payment systems is the introduction of payment system SEPA, which enables money transfer to all European users under the same conditions for all transactions inside the country and abroad. The system began operating in January 2008, when the banks offered the first SEPA pay instruments - SEPA pay cards; the full SEPA project is planned to be introduced until the end of 2010. It should be emphasized that the SEPA project brings important advantages for business operations of companies as well as individuals. SEPA brings greater competition, which makes the service of money transfer cheaper and more accessible; it also brings technical innovations and all-European standardization. From the bank’s point of view the initial economic influence is negative, because the incomes of the money transfer service are decreasing and the costs of switching to a new infrastructure are high. Nevertheless, the SEPA project is a long-term investment that will have positive economic effects. Bank service will be improved and in the course of time the banks will offer new service, which will have a positive influence on the European economy.
Keywords:	payment systems, pay instruments, SEPA, standards considering the payment systems, information integration, financial integration

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