Mobilne denarnice

magistrsko delo

Sabina Šuster (Author), Samo Bobek (Mentor)

Abstract

Tehnološke inovacije, nedavne regulativne spremembe, COVID-19 in spremenjena potrošnikova pričakovanja so popolnoma spremenila potrošnikove nakupovalne in plačilne navade. Plačevanje se nezadržno seli na pametne naprave, ki postajajo digitalna verzija naših fizičnih denarnic. Plačevanje z mobilnimi denarnicami najpogosteje poteka z uporabo brezstične ali NFC tehnologije. Največje uporabne vrednosti mobilnih denarnic so priročnost, hitrost in enostavnost izvedbe mobilnega plačila. Mobilna denarnica izkorišča več funkcij tehnologije pametnih telefonov, kot so kamera, bralniki prstnih odtisov, biometija itd., s pomočjo katerih je mogoče opraviti varno avtentikacijo ter tako preprečiti morebitne goljufije. Varnost je najpomembnejši vidik mobilnih denarnic pri digitalnih, mobilnih plačilih. Ljudje vedno raje uporabljamo način plačila, ki zagotavlja visoko raven varnosti. Plačilne kartice, shranjene v mobilni denarnici, so zaradi več vgrajenih varnostnih mehanizmov bolj varne kot fizične plačilne kartice. Podatki o kartici niso shranjeni v telefonu ali uri, temveč transakcija poteka preko tokenizacije – enkratnih žetonov oziroma ključev, kar zagotavlja večjo varnost. Z vstopom fintech podjetij na področje finančnih storitev in ponudbe lastnih mobilnih denarnic, so tudi banke morale pohiteti v svet digitalizacije s prilagoditvijo IT sistemov, da so lahko ostale konkurenčne pred tehnološko močnejšimi izzivalci. Naložbe v razvoj novih tehnologij in bančnih storitev so tako nujne, saj lahko občutno izboljšajo uporabniško izkušnjo ter omogočijo dolgoročno znižanje stroškov poslovanja. S PSD2 regulativo o plačilnih storitvah in odprtem bančništvu, kjer banke omogočijo dostop do komitentovih podatkov tudi tretjim zainteresiranim osebam, so banke zavezane k upoštevanju še višjih varnostnih standardov, saj zakonodaja želi potrošnika še bolj zaščititi. Soočanje bank s tehnološki fintech velikani pa ne pomeni le povečanja konkurence, ampak tudi možnost izkoriščanja sinergij in ustvarjanja priložnosti napredka med obema udeležencema na področju mobilnih plačil in novih tehnologij.

Keywords

informacijska tehnologija;digitalizacija;finančne storitve;mobilna denarnica;brezstično plačevanje;varnost;

Data

Language:	Slovenian
Year of publishing:	2021
Typology:	2.09 - Master's Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	S. Šuster]
UDC:	336.71:621.395
COBISS:	68718851
Views:	365
Downloads:	71
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Mobile wallets
Secondary abstract:	Technological innovations, recent regulatory changes, COVID-19, and altered consumer expectations have completely changed consumer shopping and payment habits. Payments are irrevocably moving to smart devices which are becoming a digital version of our physical wallets. Payments with mobile or e-wallets are most often performed using contactless or NFC technology. The greatest use value of an mobile wallets is its convenience, quickness and simplicity of making a payment. The mobile wallet leverages several features of smartphone technology, such as a camera, fingerprint readers, biometrics, etc., which allows the user to perform secure authentication and thus prevent possible fraud. Security is the most important aspect of mobile mobile wallets in digital and mobile payments. People always prefer to use a payment method that provides a high level of security. Payment cards stored in an mobile wallet are more secure than the physical payment cards on account of built-in security mechanisms. Card data is not stored in the phone or a watch; the transaction is preformed through tokenization - OTP tokens or keys, which provides for greater security. With the emergence of fintech companies on the financial services market and the development of their own mobile wallets, the banks had to immediately take on the world of digitization by adapting their IT systems to remain competitive. Investments in the development of new technologies and banking services are thus essential, as they can significantly improve the user experience and enable a long-term reduction in operating costs. With the introduction of PSD2 regulation governing payment services and open banking, whereby the banks facilitate the access to customer data to third parties, the banks shall comply with even higher security standards as the legislation seeks to further protect the consumer. Confronting the fintech giants does not solely imply increased competition for the banks; it should be seen as the opportunity to exploit synergies and create favorable circumstances for progress in the area of mobile payments and new technologies.
Secondary keywords:	mobile wallets;e-wallets;NFC;contactless payment;mobile devices;financial tehnology;digitalization.;
Type (COBISS):	Master's thesis/paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	III, 72 str.
ID:	12683609