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Title:ČEZMEJNA KREDITNA PLAČILA V SISTEMU SEPA
Authors:ID Marinšek, Gregor (Author)
ID Oplotnik, Žan Jan (Mentor) More about this mentor... New window
Files:.pdf UN_Marinsek_Gregor_2016.pdf (1,27 MB)
MD5: B2203E94E5AA44A104053BF699BB4C12
 
Language:Slovenian
Work type:Undergraduate thesis
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Projekt SEPA je nastal kot posledica uvedbe enotne valute Evro znotraj Evropske unije. SEPA uživa močno politično in regulatorno podporo institucij Evropske unije. Prva plačilna storitev, ki je bila implementirana z uporabo SEPA infrastrukture, so bila SEPA čezmejna kreditna plačila. Predstavljajo začetek in temelj finančnih transakcij malih vrednosti med uporabniki plačilnih storitev znotraj članic monetarne unije. Za namene standardizacije in avtomatske obdelave, se je pri snovanju sporočil in procesov uporabil standard ISO 20022, ki ne predpisuje podrobnosti procesa ampak način, kako proces modelirati. Glavne prednosti od uvedbe SEPA čezmejnih kreditnih plačil uživajo uporabniki plačilnih storitev, saj so se za njih znižale provizije in čas izvedbe transakcij. Te prednosti so dosežene na račun velikih finančnih investicij v infrastrukturo in prenovo informacijskih sistemov bank, ki so bila potrebna za implementacijo.
Keywords:SEPA, kreditna plačila, enotno območje plačil, ISO 20022, UNIFI, plačilni sistemi
Place of publishing:Maribor
Publisher:[G. Marinšek]
Year of publishing:2016
PID:20.500.12556/DKUM-58737 New window
UDC:339.7
COBISS.SI-ID:12458268 New window
NUK URN:URN:SI:UM:DK:TMK56QAV
Publication date in DKUM:25.08.2016
Views:1474
Downloads:195
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:SEPA CROSS - BORDER CREDIT TRANSFERS
Abstract:Project SEPA was initialized with introduction of single currency Euro inside European Union. SEPA is strongly politically supported with regulations of European Union institutions. SEPA cross-border credit transfers were the first payment services implemented using SEPA infrastructure. They represent the beginning and the core of financial transactions between users of payment services inside monetary union. To achieve standardization and automatisation, ISO 20022 standard was used. This standard contains no information about the process but represents the recipe for modeling processes. SEPA cross-border credit transfers will benefit payment service users because of lower transaction fees and quicker transaction invocations. These benefits are achieved with high financial investments in infrastructure and information systems made by the banks.
Keywords:SEPA, credit transfers, single payment area, ISO 20022, UNIFI, payment systems


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