The impact of the COVID-19 pandemic on payment security and users' perception of the protection of non-cash transactions

Cilj rada je na osnovu temeljitog istraživanja prikazati i identificirati sigurnosne mjere i rizike donesene u doba COVID-19 pandemije (krize) i njihov utjecaj na sigurnost platnog prometa. U radu je detaljno predstavljena identifikacija i analiza rizika, mjere sigurnosti (zaštite) i čimbenika platnog prometa te okruženje koje je utjecalo na donošenje takvih mjera. U drugom dijelu rada anketnim istraživanjem percepcije korisnika o sigurnosti bezgotovinskih transakcija dokazat će se uspješnost provedenih mjera donesenih u cilju povećanja sigurnosti bezgotovinskih transakcija krajnjih korisnika u doba pandemije, a time i cijelog platnog sustava kojeg su većinom činile bezgotovinske transakcije. Konačan cilj bit će predstavljen na kraju rada vlastitim opažanjem o sigurnosti platnog prometa na temelju provedenog istraživanja.The goal of this paper is to present and identify security measures and risks adopted during the COVID-19 pandemic (crisis) and their impact on payment security, based on basic research. The paper presents in detail the identification and analysis of risks, security measures (protection), payment factors and other environment factors that influenced the adoption of such measures. In the second part of the paper, a survey of users' perceptions of the security of non-cash transactions will prove the success of measures taken to increase the security of non-cash transactions of end users during the pandemic and the entire payment system, which mostly was consisted of non-cash transactions. The final goal will be presented at the end of the paper by own observation on payment security, based on proven research