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System for Payment Initiation and Reading Information from Bank Account with PSD2
Jůda, Petr ; Rychlý, Marek (referee) ; Bartík, Vladimír (advisor)
The purpose of this thesis is to create a payment system for the company Platební instituce Roger a.s. The application allows performing a payment initiation or downloading transaction history from Fio bank accounts. Communication is established directly through bank's REST API that was published as a result of extensive legal changes in the banking sector. These changes come from the new Payment System Directive 2 submitted by the European Commission. Due to this new law banks have to release a public interface to third-party companies. During the development of the application the current state of the implementation of PSD2 services in the Czech Republic has been explored and recorded. This application was designed with regard to extensibility. So that it could be continued to develop in the future.
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System for Payment Initiation and Reading Information from Bank Account with PSD2
Jůda, Petr ; Rychlý, Marek (referee) ; Bartík, Vladimír (advisor)
The purpose of this thesis is to create a payment system for the company Platební instituce Roger a.s. The application allows performing a payment initiation or downloading transaction history from Fio bank accounts. Communication is established directly through bank's REST API that was published as a result of extensive legal changes in the banking sector. These changes come from the new Payment System Directive 2 submitted by the European Commission. Due to this new law banks have to release a public interface to third-party companies. During the development of the application the current state of the implementation of PSD2 services in the Czech Republic has been explored and recorded. This application was designed with regard to extensibility. So that it could be continued to develop in the future.
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Marketing Communication of Young Banks on the Czech Market
Tuček, Daniel ; Khelerová, Vladimíra (advisor) ; Vojtíšek, Zdeněk (referee)
The diploma thesis deals with the analysis of marketing communication of young low-cost banks, which, due to their entry into the Czech market, caused revolution not only in the sphere of the bank fees. Among the selected young banks are the organizational unit of the Polish bank mBank, the purely Czech Fio Bank, Air Bank, which is part of the PPF financial group of Petr Kellner and Equa Bank, which is currently one of the fastest growing banks in the Czech market. The theoretical part deals with the marketing mix of goods, services and defining the specific features of the banking sector. Consequently, it focuses on communication models and the definition of a marketing communication mix. The practical part of the thesis first presents the historical context in the Czech banking sector, comments on the entry into the market of individual companies and presents the current situation. Another chapter deals with the marketing communication of selected banks, where the thesis focuses on the environment of business places, processing of advertising spots and communication on websites and social networks. Through a questionnaire survey, the author tries to find out some trends in the behavior of financial market participants and assess which segments to address, what advantages and benefits of financial products to prefer and by which communication channels should clients be addressed by banks. On the basis of these results, it proposes some recommendations that should strengthen the positions of individual banks in the Czech market.
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Financial analysis of Fio bank
Gargulák, Karol ; Radová, Jarmila (advisor) ; Pavelka, František (referee)
The aim of this thesis is a financial analysis of Fio bank during the years from 2011 to 2015. The thesis is divided into four parts. The first part deals with financial analysis itself, its objectives, limitations, and used indicators. The second part consists of basic information about Fio bank, its brief history, and introduction of two competitive banks. Bank sector is characterized in the third part. Financial analysis of Fio bank is performed in the last part. For higher complexity, results of Fio bank are compared with results of two other competitors, Equa bank and Air bank. At the end of the thesis, results of the analysis are summarized together with assessment of the bank´s financial situation.
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Evaluation of the development of new banks in the Czech banking market
Hillerová, Lucie ; Dvořák, Petr (advisor) ; Hoffman, Andrej (referee)
This bachelor thesis on the topic Evaluation of development of new banks in the Czech banking market responds to new entrants to the market in the years 2007, 2010 and 2011, based on an analysis of three selected banks, Air Bank, Fio bank and ZUNO BANK, trying to evaluate the performance of these banks. Evaluation is based on the examination of the financial statements for the years 2010 to 2014 and provides a summary of selected indicators of banks and author´s commentary. After completing the work, it is clear that Air Bank and Fio bank were able to build a stable position in the market and ranked among the medium-sized banks. On the contrary ZUNO BANK after a deeper examination shows signs of instability and is now offered for sale by the owners. New banks on the market today have an important position, they healthily compete with traditional banks and have high potential.
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