Implementation of Fintech in Banking and Financial Services in the Republic of Croatia

Utjecaj digitalizacije i globalizacije omogućio je eksponencijalni rast digitalnih bankarskih i financijskih usluga. Za nastanak inovativnih rješenja u svijetu je zaslužan Fintech, koji je razvio usluge utemeljene na strojnom učenju, umjetnoj inteligenciji te blockchain mehanizmu. Fintech označava različite oblike primjene digitalne tehnologije u financijama. Jedan od njih su i kiptovalute odnosno financije koje nastaju u okruženju digitalnih valuta te doprinose u razvoju alternativnih bankarskih i financijskih rješenja. Pomoću decentraliziranih financija korisnicima se želi pojednostaviti doticaj s uslugama poput kreditiranja, štednje te investiranja. Njihov se rad temelji na jedinstvenom procesu distribuiranja podataka (blockchain), kriptografskih protokola te doprinosu pametnih ugovora. Sveobuhvatan i brz rast Fintecha u fokus pažnje stavlja i uspostavljanje adekvatne regulacije kojom bi se usporedno omogućio razvoj usluga te zaštita samog potrošača. Razvoj i primjena Fintecha vidljiv je i na području Republike Hrvatske. U samome središtu ističu se usluge plaćanja i prijenosa novčanih sredstava, primjerice Keks Pay i Aircash koje obuhvaćaju najveći broj korisnika. Dok usluge poput PayCeka, Bitcoin-mjenjačnice te LAQO-a nastoje implementirati kriptovalute odnosno digitalno osiguranje.The impact of digitalization and globalization has enabled the exponential growth of banking and financial services. Fintech is responsible for the emergence of innovative solutions in the world, which has developed services based on machine learning, artificial intelligence and blockchain mechanism. Cryptocurrencies as a new movement in the world of Fintech are gradually leaving a mark in the development of alternative banking and financial solutions. With the help of decentralized finance, they want to simplify the contact of users with services such as lending, savings and investing. Their work is based on a unique process of data distribution, cryptographic protocols and the contribution of smart contracts. The overall growth and development of Fintech implies adequate regulation that would simultaneously enable the development of services and consumer protection. Fintech's engagement is also visible in the territory of the Republic of Croatia. In the very central part, the services of payment and transfer of funds, Keks Pay and Aircash, which cover the largest number of users, stand out. While services such as PayCek, LAQO's Bitcoin exchange offices are trying to develop the application of cryptocurrency or digital security