Naklonjenost digitalnemu evru v slovenskem prostoru

Kolar, Sara

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Title:	Naklonjenost digitalnemu evru v slovenskem prostoru
Authors:	ID Kolar, Sara (Author) ID Jagrič, Vita (Mentor) More about this mentor...
Files:	MAG_Kolar_Sara_2025.pdf (1,89 MB) MD5: 38543FD4E442B384A4E4C2D9370E17BD
Language:	Slovenian
Work type:	Master's thesis/paper
Typology:	2.09 - Master's Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Digitalni evro bi dopolnil obstoječe oblike gotovine in bančnih vlog ter prispeval k sodobnejšemu, varnejšemu in bolj vključujočemu finančnemu sistemu v evroobmočju. Namen raziskave je bil proučiti stališča prebivalcev Slovenije do digitalnega evra, njihovo stopnjo seznanjenosti, raven zaupanja v ta projekt ter morebitne pomisleke, pri čemer so v ospredju demografski dejavniki, kot so starost, spol in izobrazba. Magistrsko delo je sestavljeno iz teoretičnega in empiričnega dela. V teoretičnem delu je pojasnjen pojem digitalnega denarja, prednosti, slabosti in uvajanje le tega. Poudarek je na razlikovanju med zasebnimi in javnimi oblikami digitalnega denarja, pri čemer je digitalni evro predstavljen kot oblika CBDC, ki bi jo izdala in zagotavljala Evropska centralna banka. Obravnavani so tudi razlogi za njegovo uvedbo, kot so zmanjšanje uporabe gotovine, zaščita monetarne suverenosti, spodbujanje inovacij v plačilnem prometu in zmanjšanje odvisnosti od tujih ponudnikov plačilnih storitev. Predstavljena so tehnološka in pravna vprašanja, ki spremljajo uvedbo digitalnega evra, vključno z vprašanji varstva osebnih podatkov, preprečevanja pranja denarja in zagotavljanja kibernetske varnosti. Empirični del magistrskega dela temelji na anketnem vprašalniku, kjer smo raziskovali stopnjo seznanjenosti z digitalnim evrom, izraženo podporo njegovi uvedbi, zaupanje v institucije, ki ga razvijajo, pomisleke glede zasebnosti in varnosti ter potencialne vplive demografskih dejavnikov. Analiza podatkov je bila opravljena s pomočjo deskriptivne statistike in primerjav med skupinami, pri čemer so bile preverjene tudi hipoteze o večji naklonjenosti digitalnemu evru med mlajšimi in bolj izobraženimi posamezniki. Rezultati raziskave kažejo, da je splošna seznanjenost z digitalnim evrom med slovenskimi prebivalci še relativno nizka, kljub temu pa obstaja zmerna podpora njegovi uvedbi, zlasti med mlajšimi in bolj izobraženimi anketiranci. Pomemben dejavnik zaupanja predstavlja percepcija o nadzoru nad osebnimi podatki ter transparentnosti informacij s strani Evropske centralne banke. Ugotovljeno je bilo tudi, da so posamezniki, ki že danes pogosteje uporabljajo digitalne oblike plačevanja, bolj odprti za uvedbo digitalnega evra. Med glavnimi pomisleki anketirancev prevladujejo vprašanja o varnosti, zaščiti zasebnosti ter strah pred pretiranim nadzorom s strani države. Magistrsko delo zaključuje, da je za uspešno implementacijo digitalnega evra ključno obsežno obveščanje in izobraževanje javnosti, zagotavljanje tehnične varnosti in varovanja zasebnosti ter okrepljeno zaupanje v institucije, ki bodo upravljale z novim digitalnim plačilnim sredstvom. Digitalni evro v Sloveniji ima potencial, da prispeva k bolj dostopnemu, učinkovitemu in sodobnemu plačilnemu sistemu, vendar mora njegova uvedba temeljiti na vključujočem pristopu, ki bo upošteval pomisleke državljanov in zagotovil njihovo zaupanje.
Keywords:	digitalni evro, centralnobančne digitalne valute, digitalizacija, digitalne valute, prihodnost gotovine
Place of publishing:	Maribor
Publisher:	S. Kolar]
Year of publishing:	2025
PID:	20.500.12556/DKUM-93259
UDC:	336.74:004
COBISS.SI-ID:	249949955
Publication date in DKUM:	23.09.2025
Views:	189
Downloads:	75
Metadata:
Categories:	EPF
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Licences

License:	CC BY-NC-ND 4.0, Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International

Link:	http://creativecommons.org/licenses/by-nc-nd/4.0/
Description:	The most restrictive Creative Commons license. This only allows people to download and share the work for no commercial gain and for no other purposes.
Licensing start date:	18.06.2025

Secondary language

Language:	English
Title:	Preference for the digital euro in the slovenian area
Abstract:	The digital euro would complement existing forms of cash and bank deposits and contribute to a more modern, secure, and inclusive financial system in the euro area. The aim of the research was to examine the attitudes of Slovenian residents towards the digital euro, their level of awareness, the degree of trust in the project, and potential concerns, with demographic factors such as age, gender, and education being at the forefront. The master’s thesis consists of a theoretical and an empirical part. The theoretical part explains the concept of digital money, its advantages, disadvantages, and the process of its introduction. The emphasis is on distinguishing between private and public forms of digital money, with the digital euro presented as a form of CBDC that would be issued and guaranteed by the European Central Bank. The reasons for its introduction are also addressed, such as the reduction in cash usage, protection of monetary sovereignty, promotion of innovation in payment systems, and the reduction of dependence on foreign payment service providers. Technological and legal issues accompanying the introduction of the digital euro are presented as well, including issues of personal data protection, anti-money laundering, and ensuring cybersecurity. The empirical part of the master’s thesis is based on a questionnaire survey, in which we explored the level of awareness of the digital euro, the expressed support for its introduction, the trust in the institutions developing it, concerns regarding privacy and security, and the potential influence of demographic factors. The data analysis was carried out using descriptive statistics and group comparisons, while also testing the hypotheses regarding greater support for the digital euro among younger and more educated individuals. The results of the research show that general awareness of the digital euro among the Slovenian population is still relatively low; nevertheless, there is moderate support for its introduction, especially among younger and more educated respondents. A key factor of trust is the perception of control over personal data and the transparency of information provided by the European Central Bank. It was also found that individuals who already use digital payment methods more frequently are more open to the introduction of the digital euro. The main concerns of the respondents revolve around security, privacy protection, and fear of excessive state surveillance. The thesis concludes that the successful implementation of the digital euro requires extensive public information and education, the assurance of technical security and privacy protection, and strengthened trust in the institutions that will manage the new digital payment instrument. The digital euro in Slovenia has the potential to contribute to a more accessible, efficient, and modern payment system; however, its introduction must be based on an inclusive approach that considers citizens' concerns and ensures their trust.
Keywords:	digital euro, central bank digital currencies, digitalisation, digital currencies, the future of cash

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