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Bankovní identita v ČR
Netopilová, Kristýna
The aim of this bachelor thesis was to formulate knowledge and recommendations for the use of banking identity in the university student segment. In this the-sis, the state of digitalization of banking and finance in the world was described and then the project of bank identity in the Czech Republic was presented. Based on a questionnaire survey, the status of BankiD usage in a sample of university students was determined. During the evaluation, I came to the conclusions that the awareness of bank identity is high, especially among students of economics, but not so many students use bank identity for everyday life. In the conclusion of the paper, the status of the use of banking identity among university students is described in more detail.
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Bank identity and electronic identification under the AML Act
Pochman, Petr ; Boháč, Radim (advisor) ; Martiník, Pavel (referee)
Bank identity and electronic identification under the AML Act Author: Petr Petr Pochman The aim of the thesis is to describe in detail the whole process, the legal basis and the reason for the existence of the procedure of using the bank identity, which is a form of electronic identification under the AML Act, but also to assess whether this procedure does not offer various risks or shortcomings, taking into account the existing other identification options. Identification in general has been gaining importance in the last few years, with the need for accurate identification of persons appearing in various situations, from the opening of a bank account, to the buying and selling of securities by securities dealers and nowadays also in the activities of real estate agents. The frequency of uses in which identification is carried out is increasing year by year for the average person (one of the most recent cases of the widespread use of identification is the real estate activity already mentioned). At the same time, the identification process is becoming more digital and user-friendly, especially with the use of the aforementioned bank identity. The increase in the frequency and, in some respects, simplification of the identification process may lead to an increase in certain security risks, both on the part...
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Non-face-to face customer identification
Farny, Adam ; Sejkora, Tomáš (advisor) ; Kotáb, Petr (referee)
Non-face-to-face customer identification The subject matter of this thesis is the analysis of the Czech legal regulation of customer identification as a core obligation arising from the regulation of the fight against money laundering. Customer identification is the first obligation that a customer encounters when using the services of obliged entities, and thus the way in which the legislation approaches customer identification directly influences the course of the customer's first interaction with the obliged entity. The topic is widely discussed because smooth onboarding processes are crucial for many obliged entities, and FinTech startups in particular. Sub-optimal regulation imposes an unnecessary burden on obliged entities and indirectly puts them at a disadvantage against foreign competitors who may be subject to more favorable regulation. However, the interest of obligated entities may collide with the regulator's interest in ensuring the most trustworthy identification output. Finding an appropriate way for balancing interests of both sides therefore poses a considerable challenge for the legislator. Getting the legislation right depends on ensuring that the legislation is able to keep pace with technological advances in this area and that it allows the use of the best available ways of performing...
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