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The Impact of Cashless Payment Trend on Banks and its Clients
FISCHEROVÁ, Tereza
The first part of the bachelor thesis describes the development of the payment system from the beginning of money to modern payment methods. The theoretical part discusses in detail the advantages, disadvantages and different methods of cash and non-cash payment. The aim of the practical part of the thesis is to find out how clients of the selected bank ČSOB, a. s. react to the changes introduced by the bank in connection with the payment system, whether they agree with them or, on the contrary, whether these changes may cause dissatisfaction of clients and subsequent switch to a competing commercial bank. In the event that customer churn does occur, the objective is to determine whether the bank's operational cost savings offset the lost profits from the loss of customers. The most significant changes in the banking market are the closure of branches, the promotion of online banking and the increase in the price of services that require the presence of bankers. To address the bachelor thesis, a comparison of a questionnaire distributed to clients of ČSOB, a. s. with the bank's annual reports in the period 2012-2022 was used. The practical part resulted in the finding that even though clients accept the banking changes in majority, the bank is not able to reduce operating costs. The most important ones should be staff costs and branch operations.
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Measurement of torso muscle volume and its relation to complications in colorectal surgery
Fischerová, Tereza ; Kudláčková, Zděnka (advisor) ; Kovařík, Miroslav (referee)
10 ABSTRACT Charles University in Prague, Faculty of Pharmacy in Hradec Králové Department Department of Biological and Medical Science Candidate Tereza Fischerová Thesis supervisor PhDr. Zděnka Kudláčková, Ph.D. Consultant MUDr. Jiří Kotek Thesis Title Measurement of torso muscle volume and its relation to complications in colorectal surgery Introduction: Colorectal cancer is frequent oncological disease. The primary solution for cure is surgical resection of the tumor, which can be accompanied by a number of complications. The incidence of postoperative complications also depends on the preoperative condition of the patient, such as nutrition and muscle condition. Sarcopenia is a degenerative disease of skeletal muscle and is one of the predictors of postoperative complications. Objective: The aim of the thesis was to retrospectively evaluate the connection between occurrence of postoperative complications and muscle volume on the trunk, which was described by psoas density and psoas muscle index. Methods: On CT images in the area of the 3rd lumbar vertebra (L3), we evaluated psoas density and psoas muscle index. The group consisted of 209 patients who underwent rectal resection at the Surgery Clinic of the Faculty Hospital in Hradec Králové between 2017 and 2021. We assessed the connection between psoas...
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