TVEGANJA V PLAČILNIH SISTEMIH

Malnar, Mira

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Title:	TVEGANJA V PLAČILNIH SISTEMIH
Authors:	ID Malnar, Mira (Author) ID Zbašnik, Dušan (Mentor) More about this mentor...
Files:	MAG_Malnar_Mira_2014.pdf (1,23 MB) MD5: B2D2B42484BA9E321476026FF48AA661
Language:	Slovenian
Work type:	Master's thesis
Typology:	2.09 - Master's Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Okolje, v katerem delujejo plačilni sistemi, se nenehno spreminja in predstavlja pojav novih tveganj. Zaradi kompleksnosti plačilnih sistemov in podvrženosti številnim virom tveganj, je potrebno opredeliti celosten proces upravljanja tveganj ter ustrezno obvladovanje tveganj. V prvem delu magistrskega dela smo opredelili tveganja v plačilnih sistemih ter predstavili ukrepe za obvladovanje operativnih in finančnih tveganj v plačilnih sistemih. V nadaljevanju smo podrobneje predstavili elemente procesa upravljanja tveganj v plačilnih sistemih in metodologijo izvajanja analize tveganj ter preučili izvajanje analiz tveganj na večih nivojih. Ker pomembno vlogo pri procesu upravljanja tveganj predstavlja analiza tveganj, smo opredelili ključne elemente in korake izvajanja analize tveganj. Podrobneje smo proučili tudi ostale elemente upravljanja s tveganji, in sicer obvladovanje tveganj, dokumentiranje in poročanje o izvedeni analizi tveganj. Ne nazadnje smo predstavili spremljanje realizacije ukrepov ter zagotavljanje učinkovitosti procesa upravljanja tveganj. Drugi del magistrskega dela vključuje predstavitev elementov procesa upravljanja tveganj v okviru metodologij oziroma mednarodnih standardnih okvirov za upravljanje tveganj. S pomočjo primerjalne analize smo glede na izbrane kriterije predstavili podobnosti oziroma razlike izbranih metodologij in mednarodnih standardnih okvirov za upravljanje tveganj. V nadaljevanju smo podali predlog za izvajanje analize tveganj v plačilnem sistemu X na različnih nivojih, pri čemer smo izhajali iz pridobljenih ugotovitev o prednostih oziroma pomanjkljivostih izbranih metodologij in mednarodnih standardnih okvirov za upravljanje tveganj. Tekom magistrskega dela smo poudarili pomembnost vlog in odgovornosti vseh udeležencev pri upravljanju tveganj v plačilnih sistemih, saj proces upravljanja tveganj ni zgolj v domeni lastnikov poslovnih procesov v organizaciji. Dodatno smo predstavili medsebojno odvisnost obravnavanih tveganj in izpostavljenost poslovnih ciljev, procesov ter sistemov v primeru nastopa operativnega tveganja. Ob predpostavki, da je metodologija upravljanja tveganj odvisna od kulture upravljanja v organizaciji, smo podali ugotovitve o pomembnosti rezultatov izvedene analize tveganj in ustrezno opredeljeni metodologiji izvajanja analize tveganj.
Keywords:	plačilni sistem, tveganje, upravljanje tveganj, proces upravljanja tveganj, analiza tveganj.
Place of publishing:	[Maribor
Publisher:	M. Malnar
Year of publishing:	2014
PID:	20.500.12556/DKUM-43917
UDC:	336.717
COBISS.SI-ID:	11705884
NUK URN:	URN:SI:UM:DK:QV9XZYYK
Publication date in DKUM:	15.05.2014
Views:	2145
Downloads:	207
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	Risks in Payment Systems
Abstract:	Environment, in which payment systems operate, is constantly changing and represents the appearance of new risks. Due to the complexity of payment systems and being subjected to many sources of risks, it is necessary to define a comprehensive risk management process and determine appropriate risk response. In the first part of the master's work we identify risks in payment systems and introduce measures to manage operational and financial risks in payment systems. Further on we present the elements of the risk management process in payment systems and risk assessment methodology and included how risk assessments can be applied across several tiers. Because risk assessment plays a significant role in the risk management process, we identified key elements and steps of risk assessment. We also examine other elements of risk management process, namely risk response, communication and reporting of risk assessment results. Finally, we introduce risk monitoring of measures and how to determine the effectiveness of the risk management process. The second part of the master's work includes the presentation of elements of the risk management process in the context of risk assessment methodologies and risk IT frameworks. Through comparative analyses based on selected criteria, we present similarities and differences of selected risk assessment methodologies and risk IT frameworks. Further on we present a proposal for risk assessment in the payment system X applied across several tiers, which based on the findings regarding the advantages and disadvantages of selected risk assessment methodologies and risk IT frameworks. During the master's work we pointed out the importance of the roles and responsibilities of all participants in the risk management process in payment systems, because the risk management process is not only in the domain of the owners of the business processes in organization. Additionally, we present the interdependence of treated risks and exposure of business objectives, processes and systems to operational risk. On the assumption that the risk management methodology depends on the organizational culture, we provided findings on the significance of risk assessment results and properly defined risk assessment methodology.
Keywords:	payment system, risk, risk management, risk management process, risk assessment.

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