Primerjalna analiza ponudbe plačilnih bančnih kartic v Sloveniji

Smodiš, Eva

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Title:	Primerjalna analiza ponudbe plačilnih bančnih kartic v Sloveniji
Authors:	ID Smodiš, Eva (Author) ID Taškar Beloglavec, Sabina (Mentor) More about this mentor...
Files:	VS_Smodis_Eva_2024.pdf (2,84 MB) MD5: 8B3968812D864060DB5557872D4EC25C
Language:	Slovenian
Work type:	Bachelor thesis/paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Tehnološki napredek spodbuja razvoj načinov plačevanja. Hitro širjenje plačilnih kartic v zadnjih 50. letih je spremenilo način, kako potrošniki plačujejo blago in storitve ter kako trgovci upravljajo svoje poslovanje. Plačilne kartice so pomemben plačilni instrument, ki jih običajno izdajajo banke. V primerjavi z gotovinskim poslovanjem imajo številne prednosti. Omogočajo hitro, varno in preprosto izvedljivo plačilo blaga in storitev. Potrošniki vsako minuto opravijo na milijone transakcij po vsem svetu. Brezgotovinsko poslovanje je prišlo v ospredje v času pandemije Covid-19, ko je kartično poslovanje zaživelo in postalo priročno. Trend uporabe plačilnih kartic se iz leta v leto povečuje, kar ima velik vpliv na svetovno gospodarstvo. Zaradi uporabe plačilnih kartic je gospodarstvo učinkovitejše, kar spodbuja gospodarsko rast, in sicer zaradi številnih dejavnikov, vključno z učinkovitostjo transakcij in zaupanjem potrošnikov v plačilni sistem na splošno. Morda lahko v prihodnje v Sloveniji pričakujemo t. i. brezgotovinsko družbo. Diplomsko delo sestavljata teoretični in praktični del. V teoretičnem delu predstavljamo kartično poslovanje, razvoj plačilnih kartic ter njene prednosti in slabosti. Osredotočamo se na plačilne kartice, njen pomen ter izpostavljamo debetne, kreditne in predplačniške kartice. V praktičnem delu bomo analizirali obseg uporabe plačilnih kartic v Sloveniji, ali se povečuje ali zmanjšuje in vpliv na povečanje oz. zmanjšanje uporabe plačilnih kartic. Predstavili bomo trenutno ponudbo plačilnih bančnih kartic celotnega slovenskega bančnega sistema. Ponudbo bomo primerjali po desetih primerjalnih kriterijih, analizirali pa bomo trinajst bank. S primerjalno analizo bomo ugotavljali najbolj raznoliko ponudbo banke med izbranimi bankami na podlagi primerjalnih kriterijev. Raznolikost presojamo na podlagi vrste in števila ponujenih plačilnih kartic.
Keywords:	kartično poslovanje, plačilne kartice, trend uporabe plačilnih kartic, ponudba plačilnih kartic, Slovenski bančni sistem
Place of publishing:	Maribor
Publisher:	E. Smodiš
Year of publishing:	2024
PID:	20.500.12556/DKUM-89587-4debd6aa-a8b9-e064-e767-f29ce9281da8
UDC:	336.717.13
COBISS.SI-ID:	206510083
Publication date in DKUM:	05.09.2024
Views:	289
Downloads:	131
Metadata:
Categories:	EPF
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Licences

License:	CC BY 4.0, Creative Commons Attribution 4.0 International

Link:	http://creativecommons.org/licenses/by/4.0/
Description:	This is the standard Creative Commons license that gives others maximum freedom to do what they want with the work as long as they credit the author.
Licensing start date:	24.07.2024

Secondary language

Language:	English
Title:	Comparative analysis of the payment bank cards offer in Slovenia
Abstract:	Technological advancements are fostering the development of payment methods. The rapid expansion of payment cards over the past 50 years has transformed how consumers pay for goods and services and how merchants manage their businesses. Payment cards, typically issued by banks, are essential payment instrument. They offer numerous advantages over cash transactions, enabling quick, secure, and simple payments for goods and services. Consumers perform millions of transactions worldwide every minute. Cashless transactions gained prominence during the COVID-19 pandemic, making card transactions convenient and increasingly popular. The trend of using payment cards is growing annually, significantly impacting the global economy. Payment cards enhance economic efficiency, promoting economic growth due to various factors, including transaction efficiency and consumer confidence in the overall payment system. In the future, Slovenia might anticipate a so-called cashless society. This thesis comprises both theoretical and practical parts. The theoretical part presents card transactions, the development of payment cards, and their advantages and disadvantages. It focuses on payment cards, and their significance and highlights debit, credit, and prepaid cards. The practical part analyses the usage volume of payment cards in Slovenia, whether it is increasing or decreasing, and the factors influencing this trend. It will present the current offering of payment cards in the entire Slovenian banking system. The offering will be compared based on ten comparative criteria, analysing thirteen banks. We will determine the most diverse bank offering among the selected banks through comparative analysis based on the comparative criteria. Diversity will be assessed based on the type and number of payment cards offered.
Keywords:	card transactions, payment cards, payment card usage trends, payment card offerings, Slovenian banking system.

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