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Utilization of payment cards
PETROVÁ, Jaroslava
The Thesis deals with the utilization rate of debit cards, asks whether popularity of credit cards increases and tries to find what the approach to holding a payment card is among clients. It also deals with the history of payment card origins, both abroad and in the Czech Republic, with classification of cards and with card associations. Advantages and disadvantages of credit cards for a provider, a retailer and a cardholder and the possibility to compare for whom a card is a beneficial product is another interesting topic. It also deals with classification of cards and informs on the most important card associations. It summarizes their position on the market in the Czech Republic. Payment cards are a phenomenon of present days, which is why nearly everybody owns this payment instrument today. When we look at the offer of banks and financial institutions at the territory of the Czech Republic we find that no more financial institution not offering a wide range of credit and debit cards exists nowadays. The aim of the Bachelor Thesis was to confirm or refute set hypotheses, what the rate of growth on payment cards is and whether the interest in payment cards grows. A quantitative method in the form of a questionnaire research among the clients of Raiffeisenbank a.s. was chosen to confirm the hypotheses, then a research question asking about the approach to payment card ownership among clients. The questionnaire results were processed by means of descriptive statistics in graphic form. The research results were described and evaluated from the point of view of conformation or refutation of the hypotheses and the research question in the conclusion of the Bachelor thesis.
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Banking Facilities within the Framework of Checking Accounts
VRTILKOVÁ, Jana
The Bachelor work is focused on the questions relating the presented services, which are offering in the frame of checking accounts of the selected banks. Both the canals of direct banking, therefore Internet, Telebanking, GSM banking, WAP banking and home banking; and bank overdraft, payment card, credit card, and foreign currency account belong here. The companies of "Komerční banka, a. s.," "Československá obchodní banka, a. s.", "Česká spořitelna, a. s.", "Raiffeisenbank, a. s." and "GE Money Bank, a. s." banks are elaborated. The work is divided into two parts, the theory one and the practical one. The principle of the selected services is outlined in several test examples. These test examples link to the given theory.
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Analysis of payment systems
Svěcený, Lukáš ; Marešová, Zdena (advisor) ; Pavlíčková, Jarmila (referee)
The objective of my thesis is to describe overall technological concept and organizational scheme od payment cards and outline trends and development in the near future. There has been a big effort for industry standardization (e.g. security standards). It describes also advantages and disadvantages of payment cards and means of authorization. The infomation mentioned here will be used in later part, in case studies. My 3-years working experience as a project manager at Wincor Nixdorf helped to further investigate these scenarios. This company is one of the market leaders and key players in banking and retail industry. Since the cost related issues are very importnant (especially in the time of crisis), I analysed and compared several scenarios of payment system installation in retail.
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Electronic payment systems
Froněk, Filip ; Mészáros, Jan (advisor) ; Buchalcevová, Alena (referee)
This bachelor thesis discusses current possibilities of Internet payments made by electronic payment systems and payment cards. It analyzes its security risks and provides security principles. International electronic payment systems PayPal, AlertPay, MoneyBookers and Czech PaySec and E-Commerce 3-D Secure are described in detail and then compared. This comparison provides sellers a choice of an electronic payment system, which is the most suitable for the branch of his activities.
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Credit cards on the internet
Nejtek, Petr ; Matuštík, Ondřej (advisor) ; Brixí, Radim (referee)
Fast development of modern technologies brings new opportunities, which carry new risks. This work is aimed at options of using credit cards and electronic wallets, younger competitors of credit cards, on the internet. Huge amount of funds flows through those systems every year. Competitive environment forces companies provide more comfortable and more sophisticated systems. Together with new technologies come new risks. Situation is more complex with unsolved old troubles replaced by new ones. Work is oriented on modern payment methods in the environment of electronic shopping. The goal is to describe, comment and compare chosen methods, which are possible to use with modern electronic payments. Work takes into consideration both systems in the Czech Republic and systems abroad. In the end, there is an estimation of development of systems in the Czech Republic based on analysis of abroad systems and customer research.
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Credit card and electronic money systems
Brewczynski, Jan ; Půlpánová, Stanislava (advisor)
The Bachelor's thesis deals with the description and distinction of terms "payment instrument" and "electronic money". After the introduction I concentrate on definitions of basic terms, that consequently appear in the thesis, I focus on separation of terms "funds" and "payment instrument". Then I deal with credit cards and electronic banking. In the second part of the thesis I describe electronic money as a subset of funds and the difference between credit card and electronic wallet. Finally I mention future trends of both credit card and electronic wallet systems and I outline the possible development of credit cards.
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Payment Cards and Financial Reporting of Transactions by Payment cards
Handlovičová, Zuzana ; Zelenková, Marie (advisor)
The aim of the bachelor thesis is to closely introduce not only the history of payment cards and their development but mainly the present and the contemporary position of this invention of the twentieth century. In the thesis I focus on the division of the cards, the newest technologies, possibilities offered to the clients and on the detailed analysis of the technical and accounting processing of the transactions carried by payment cards.
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Payment for goods and services via mobile communication
Stehlík, Libor ; Matuštík, Ondřej (advisor) ; Brixí, Radim (referee)
The subject of my work is to analyze possible options that are nowadays available for mobile payment for goods and services. It should provide the reader with a view into the future, which depends, to some extent, on the behaviour of our society and the technical progress. The work is divided into four parts. In the first part the reader becomes acquainted with the terms and is being introduced to the problem. In the second part he finds out how the mobile payments are classified, possible solutions and what emphasis is put on the security. Next part tries to analyze a questionnaire that was created for this work. The evaluation should provide conclusions applicable for the introduction of new solutions for mobile payments in Czech Republic. The last part is dedicated to suggesting solutions for a particular case, therefore practical application of acquired knowledge. The aim of this work is to provide the reader with a compact view on the ways of payments using the mobile communication. He should gain from it an awareness of classifying these payments, terminology that accompanies it, problems associated with the establishment, security resolution and the world experiences.
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BANCASSURANCE -- THE FINANCIAL TREND AND THE PRAXIS IN THE CZECH FINANCIAL MARKET
Dugová, Alena ; Ducháčková, Eva (advisor)
The text of my work is given over to one of the most important trends in a financial market - bancassurance. In 1st part I write about theoretic resources such as a notion, a history, law adjustment. I mention advantage and disadvantage for subjects. The main part is about bancassurace products, which are offered in Czech market, especially insurance of the credit card before losing and stealing. I analyze students account and I try to compare this product in banks.
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Project SEPA and its aplication
Mach, Jonáš ; Schlossberger, Otakar (advisor)
This thesis studies the process of cross-border payments integration with a focus on the SEPA project. Besides the characteristics of the project itself, it contains a description of the development and the current form of the European legal basis for payment services, the functioning principles of the European payments council and an analysis of SEPA payment instruments. A very important role in the SEPA initiative has been played by the banks themselves, for they embraced a common approach towards the subject. The New legal framework should become effective by 1st November 2009 through national adoption. SEPA has so far brought a new credit transfer scheme and partial changes in the cards framework within Europe.
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