Varnost je prva

spletno plačevanje

Larisa Grošelj (Author), Igor Bernik (Mentor)

Abstract

Spletno nakupovanje je postalo vsakdanji pojav, vendar se med uporabniki pojavlja problem nezaupanja pri spletnem plačevanju. V zaključnem delu so preverjeni sodobni načini, s katerimi je poskrbljeno za varnost pri spletnem nakupu in plačilu in kaj so glavni razlogi, da se nekdo ne odloči za spletno plačilo. Pregledane so plačilne metode, ki so najpogosteje uporabljene dandanes in njihove prednosti ter slabosti. Preverjene so zakonske novosti (PSD2) na evropskem trgu, kako so plačila sploh regulirana, varnost plačilnih transakcij in vpliv tega na potrošnike. Zakopali smo v pogoste zlorabe, ki se lahko zgodijo pri spletnem nakupovanju in kakšne vse načine so nepridipravi že iznašli za krajo podatkov. Pregledana je tudi uporaba preventivnih ukrepov, s katerimi uporabnik lahko sam poskrbi za varnost pri spletnem nakupu in raziskali dejavnike, ki povečajo ali zmanjšajo uporabo določene plačilne metode. S hipotezami smo raziskali, če se pri spletnih plačilih pojavlja odpor ravno zaradi strahu pred zlorabami ali pa so vključeni drugi faktorji. Zanimala nas je tudi uporabniška izkušnja, saj v današnjem času igra čedalje večjo vlogo v digitalni dobi in storitvah, ki jih ponuja. S kvalitativno metodo smo raziskali in potrdili naše prvo vprašanje, ali se uporabniki izogibajo spletnega plačevanja zaradi možnosti zlorabe. Prav tako smo potrdili domnevo, da je uporabniška izkušnja tista, ki šteje največ in zaradi nje uporabniki tudi spremenijo način plačevanja, četudi je posredi možnost spletne zlorabe.

Keywords

diplomske naloge;spletne trgovine;plačevanje;PSD2;kreditna kartica;spletne zlorabe;

Data

Language:	Slovenian
Year of publishing:	2022
Typology:	2.11 - Undergraduate Thesis
Organization:	UM FVV - Faculty of Criminal Justice
Publisher:	[L. Grošelj]
UDC:	004.738.5:339.13(043.2)
COBISS:	99187715
Views:	138
Downloads:	46
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Safety first: online payments
Secondary abstract:	Online shopping became an everyday occurrence, but there is a problem of distrust appearing with online payments. In this thesis we checked the modern ways of how online shopping and payments are made secure and what are the main reasons why somebody quits an online payment. We reviewed many modern payment methods, their pros and cons. We checked the regulatory implementations on the European market (PSD2), how the payments are regulated, the safety of transactions and how does it impact customers. We divulged modern online frauds and found out about many ways the fraudsters can steal your personal data. We also checked the methods of customers protecting themselves and researched the parameters, which impact the usage of certain payment methods. With hypothesis we researched if reluctance to online payments is happening because of potential frauds or is there other conditions at play. Interesting to us was also the user experience as it is becoming more and more important in the current digital age and its services. With the qualitive method we researched and confirmed our first hypothesis, which is that customers are afraid of online payments because of fraud. We also confirmed that user experience is often the deciding factor of why customers change their method of payments, regardless of security threats.
Secondary keywords:	online shopping;payments;PSD2;credit card;online fraud;
Type (COBISS):	Bachelor thesis/paper
Thesis comment:	Univ. v Mariboru, Fak. za varnostne vede, Ljubljana
Pages:	V, 40 str.
ID:	14649352