Globalni elektronski mikro plačilni sistemi

magistrsko delo

Nuša Podgoršek (Author), Samo Bobek (Mentor)

Abstract

Posledica hitrega razvoja podatkovnih komunikacijskih omrežij je v razvoju elektronskega poslovanja, pri čemer sta pomembni predvsem bančna in trgovska aplikacija, ki omogočata izvajanje finančnih transakcij od kjerkoli na svetu. Kupcem je tako omogočena postrežba 24 ur na dan. Zaradi vedno večjega razmaha spletnih trgovin so vedno bolj potrebne tudi implementacije sistemov za plačevanje preko spleta. Takšen način plačevanja preko spleta prinaša številne prednosti tako za kupca kot tudi za trgovca. Poznamo številne definicije pomena mikro plačilnih sistemov, vendar pa se le-ti večinoma razlikujejo med seboj glede na zgornjo mejo vrednosti vsake transakcije. Mikro plačilni sistemi predstavljajo pomemben del v elektronskem in mobilnem poslovanju, saj omogočajo podjetjem s takšnim načinom poslovanja povečanje dobička, posledično pa tudi zmanjšujejo stroške, ki so povezani z delovno silo. Po svetu obstajajo številni tuji plačilni sistemi, ki jih uporabljajo tudi slovenska podjetja. Med najbolj razširjenega in najuporabnejšega za internetno plačevanje v vseh razvitih zahodnih državah sodi plačilni sistem PayPal. Ta sistem uporabljajo tako posamezniki kot tudi podjetja. Velja za največje podjetje v svoji dejavnosti, saj se preko njega izvrši več kot 11 milijard transakcij na leto. V zadnjem času se razvijajo tudi novi načini mikro plačevanja, kjer pametni telefoni prevzemajo vlogo denarnih in plačilnih kartic. Ti načini plačevanja so privlačni predvsem uporabnikom, medtem ko pa banke in finančne institucije v tem ne prepoznajo velike poslovne priložnosti. V Sloveniji smo sicer že pred časom postavili lastne trende s sistemi mobilnega plačevanja Moneta, vendar pa ji ni uspelo doseči tako velike priljubljenosti, kot so si jo želeli. Naloga je sestavljena iz dveh delov, v prvem teoretičnem delu smo preučili plačilne in poravnalne sisteme, vrste in tipe plačilnih sistemov. Predstavili smo prednosti in slabosti plačilnih sistemov ter pojasnili, kaj so mikro plačilni sistemi in katere poznamo po svetu ter v Sloveniji. Drugi, empirični del naloge zajema analizo v obliki praktičnega prikaza možnosti plačila preko ponudnika PayPal.

Keywords

poslovna informatika;elektronsko poslovanje;transakcije;plačilni sistemi;mikro sistemi;paypal;

Data

Language:	Slovenian
Year of publishing:	2017
Typology:	2.09 - Master's Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[N. Podgoršek]
UDC:	004:336.777(043.2)
COBISS:	12771100
Views:	713
Downloads:	78
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Global e-micro payment systems
Secondary abstract:	The consequence of the fast development of data communication networks is the development of e-commerce where there are before all important the bank and the commercial application, that enable carrying out financial transactions all over the world. The customers are provided with the service 24 hours a day. Because of the wide spread of the online shops it is increasingly necessary to implement systems for online payments. Such kind of online payment brings numerous advantages as well as for the buyer as for the merchant. There are numerous definitions for the meaning of micro payment systems but they mostly differ regarding the upper value limit of each transaction. Micro payment systems represent an important part of the e-commerce or of the online business because they enable the companies to increase their profit with such commerce and as a result they decrease costs that are related to labour. All over the world there are many foreign payment systems that are used also by Slovene companies. Among the widest spread and mostly used for online payment in all developed western countries the PayPal payment system can be placed. This system is used by individuals as also by companies. It is the biggest company in its activity because with its help more than11billion transactions per year are carried out. Lately also new kinds of micro payment were developed, where smartphones take the role of cash and credit cards. These kinds of payments are before all attractive to users but the banks and the financial institutions do not recognize a great business opportunity. In Slovenia we have already some time ago set our own trends with the systems of mobile payment Moneta, but it has failed to reach a high popularity as it was desired. The work consists of two parts; in the first theoretical part we have studied the payment and settlement systems and the kinds and types of payment systems. We have presented the advantages and the disadvantages of the payment systems and described what micro payment systems are and which ones we know around the world and in Slovenia. The second, empirical part of the work consists of the analysis in form of a practical demonstration about the possibilities of payment through the provider PayPal.
Secondary keywords:	economic sciences;e-commerce;management of informatics;PayPal;payment systems;
URN:	URN:SI:UM:
Type (COBISS):	Master's thesis/paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	II, 62 str.
ID:	9607757