|
|
SWIFT as a Tool Not Only for European Integration
Matejka, Ján ; Schlossberger, Otakar
The paper discusses the importance of The Society for Worldwide Interbank Financial Telecommunication (hereinafter 'SWIFT') not only for European integration. It partially maps its historical development with emphasis on the importance for mutual communication between financial institutions. At the same time, however, it can be a very suitable means of obtaining a range of information as evidence for criminal proceedings in clarifying financial crime offenses. In their research, the authors deal with various approaches to the processing of data obtained from the SWIFT system, which will be submitted to law enforcement authorities. These documents can then be linked to other information, which in turn will help clarify possible financial crime, especially in cross-border, or foreign overlap. The authors' study is based on the hypothesis that 'SWIFT information can contribute to the clarification / detection of financial crime'.
|
|
|
Payment account with basic features and its importance for consumers
Bazala, Marek ; Schlossberger, Otakar (advisor) ; Fleischmann, Luboš (referee)
This Bachelor thesis deals with a payment account with basic features in the Czech Republic. It defines a payment account with basic features and describes all the main characteristic features according to the czech legal system. Furthermore, there is a comparison of individual payment accounts with basic features among four financial institutions. The thesis also aims at terms and conditions that are obligatory for each of the financial institution providing payment account with basic features. The final part compares cost of individual payment services associated with the payment accounts with basic features.
|
|
|
Cosumer protection in banking
Dezhevaya, Tatiana ; Schlossberger, Otakar (advisor) ; Rajl, Jiří (referee)
The bachelor thesis focuses on the protection of the banking client, which it views as a consumer. Legal regulation of this protection is necessary primarily to compensate for the existing inequality between the consumer and the provider. The thesis explains why a bank client is ranked among consumers and why he is considered to be a naturally weaker party in a legal relationship. It defines the most important areas of protection, such as consumer credit, payment system, deposit insurance, bank secrecy, the possibility of out-of-court settlement of disputes and also refers to certain protectionist practices such as codes of ethics or banking ombudsman. Based on the law and European directives it can be concluded that consumer protection is an advanced, dynamically expanding area aimed at strengthening consumer confidence in the banking sector, reinforcement of market position and ensuring that its rights and interests are properly protected.
|
|
|
Payment instruments and their application
Khuc, Thanh Dung ; Schlossberger, Otakar (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis is written on the topic Payment instruments and their application. In the introduction of the thesis is legal definition of payment services. Then the thesis is aimed at development of payment instruments during last years and describing currently provided payment instruments. The main object is to create comprehensible and integrated summary of payment instruments. The practical part consists of the analysis of the use of payment instruments from selected banks in the Czech Republic.
|
|
|
Credit registers and their usage
Blechová, Klára ; Schlossberger, Otakar (advisor) ; Rajl, Jiří (referee)
The aim of the thesis Credit registers and their usage is to evaluate the impact of credit registers usage in banking sector. The first part of the thesis focuses on description of credit registers, their creation and functioning at the level of the European Union. The second part describes and compares credit registers in the Czech Republic. The last part analyses the influence of negative information obtained from credit registers on the approval process and the use of registers when offering credit products to clients. In this part the positive influence of the use of credit registers in the banking sector is proved. The method of description and descriptive analysis is used in the thesis.
|
|
|
Consumer loan and its regulation
Tuháčková, Linda ; Schlossberger, Otakar (advisor) ; Fleischmann, Luboš (referee)
The bachelor thesis deals with consumer loans from regulatory and practical point of view which is described by examples of current range of banking and non-bank providers operating on the Czech financial market. The main objective of the thesis is the comparison to determine the financial advantage of the selected providers and to point out changes relating to the new Consumer Loan Act. In theoretical part I also define the basic concepts related to the chosen topic.
|
|
|
Actual trends in contactless payment, contribution of Apple and analysis of market in the Czech Republic including consumer preferences
Novák, Vladimír ; Schlossberger, Otakar (advisor) ; Čarný, Ján (referee)
The main objective of this work is to analyze current trends in contactless payments and consequently implement it on the Czech market. On this base this thesis deals with several wearable devices. Furthermore on this base is also working in the application part, where is one of the secondary objectives of the work to determine consumer preferences on the market of the Czech Republic. One of the secondary objectives is create a brief summary of the history of payment cards and within the sociological aspect to find a certain analogy in introducing innovations in the field of payments towards current trends in contactless methods. Within the secondary objectives there are simultaneously defined key assumptions forms of payment for success on the market. The following section focuses on electronic payments. Specifically, it deals with trends in electronic payment services, where for its implementation aren´t required the physical presence of the card or chip. Furthermore there are analyzed alternative paths in the current payment methods, namely peer-to-peer platforms. On these platforms is based shared economy, which also represents an interesting potential for the possible development of payment field. Chapter with alternative methods for cashless is finished by analyzing digital currencies. The hypothesis of this thesis is whether Apple can have an impact on the area of contactless payments and how it can affect the entire sector. Part of the hypothesis is the claim that Apple manages to change the area of contactless payments, such as happenede in the music industry with iTunes and then in the telecommunications industry with a revolutionary iPhone. Potential benefit of Apple is defined by the method of description. Potential contribution of Apple Pay is characterized by logical deduction base on previous relationships. Conclusion is by quantitative research method, namely through the consumer research, assessed consumer preferences in the Czech Repulic and is also evaluated the hypothesis of potential benefits of Apple contactless payments.
|
|
|
Analysis of Internet Banking
Škoda, Ondřej ; Schlossberger, Otakar (advisor) ; Rybák, Zdeněk (referee)
The purpose of this Bachelor thesis is to analyze the current situation about internet banking. The first part focuses on the classification of this term and characterization its attributes and options. The work devotes successively to neccessary conditions for using internet banking, security methods and services provided by it. The second part extends theoretical findings by practical analysis of internet banking applications of three banks in Czech republic. The comparison consists of four parts. Every of the them evaluate different aspect of internet banking: basic services, complementary services, visual aspect and security. Internet banking is a very popular service with great potencial, which can be used by its provider. Inovations of internet banking create differences between banks, because basic services a security they provide mostly without problems.
|
|
|
Analysis of contactless payments
Švantnerová, Romana ; Schlossberger, Otakar (advisor) ; Hoffman, Andrej (referee)
The aim of this thesis is to provide a comprehensive view on the issue of contactless payments in various forms, as well as capture the actual situation in the field of contactless payments. The first chapter is devoted to the emergence and development of payment cards as a forerunner of contactless cards. The second chapter characterizes contactless cards as a new payment product. Additionally it also includes a description of the technology, which is used for this kind of cards. Chapter also deals with the arrival of contactless cards to Czech Republic and Slovakia. The topic of third chapter is Near Field Communication, special technology, which is used for contactless payments and also for the other forms of contactless payments, such as mobile payments. The fourth chapter talks about mobile services that are actually used for mobile payments. These services are not available in our region yet, but we expect their further expansion into European countries in the future. Finally, the last chapter includes an analysis of data, where we used statistical data of contactless payments in Slovakia and Czech Republic. The aim was to outline the development of contactless payments in individual quarters in both countries separately and to compare the data of contactless cards and payments in these countries.
|
|
|
Payment systems analysis
Kvapil, Dominik ; Schlossberger, Otakar (advisor) ; Hoffman, Andrej (referee)
The subject of this bachelor thesis is payment systems. The first part decribes different types of payment systems and risk engangering them. After this chapter, the analysis of CERTIS and EURO1 payment systems follows. Payment systems analysis is focused on participants, operating of the systems, pricing policy and risk control. The last part deals with the comparison of CERTIS and EURO1 payment systems. The comparison consists of different criteria, for example, settlement, currency of settlement, work with liquidity, the number of transactions processed or settlement finality. The result of the comparison is both systems are rather different. This part is author´s own contribution to the bachelor thesis.
|
guest ::
