INFORMATION SUPPORT SINGLE AREA OF ELECTRONIC PAYMENTS IN THE EU

Najnovejše pridobitve v oblikovanju naše civilizacije so nedvomno posledice razvoja informacijske in komunikacijske tehnologije ter vse večje izenačenosti pri dostopu do storitev, ki nam jih ponuja svetovni splet. Vse več ljudi uporablja internet na vseh področjih. Tako danes skoraj ni več področja, ki uporabniku ni dostopen preko svetovnega omrežja — interneta. Z razvojem interneta je prišlo do nove »revolucije«, ki je prinesla spremembe na mnoga področja. Kljub temu da ga poznamo že desetletja, še vedno velja za izjemno hitro rastoče področje novih komunikacijskih storitev. V diplomski nalogi sem predstavila elektronsko bančništvo kot eno izmed bolj zanimivih področij elektronskega poslovanja. Ugotovila sem, da ima e-poslovanje več prednosti kot slabosti, zato se njegova uporaba iz leta v leto rahlo zvišuje. Kot je razvidno iz diplomske naloge, je bil moj namen predstaviti elektronsko bančništvo za fizične osebe ter prikazati pomembnost le-tega danes in v prihodnosti. Pri tem sem se osredotočila na elektronsko bančništvo Raiffeisen banke in predstavila RaiffesenNET. V nadaljevanju sem predstavila še projekt SEPA, ki bo kot celosten rezultat viden v bližnji prihodnosti. Projekt SEPA je v sklepnih fazah poenotenja evropskega plačilnega trga v 29 državah, ki naj bi omogočil večjo konkurenčnost in preglednost ter predvsem za končne uporabnike najpomembnejše poenostavil in pocenil uporabo plačilnih sistemov v tujini. Projekt SEPA si zagotovo zasluži širšo pozornost, pri čemer na svojo vlogo pri tem poleg bank ne smejo pozabiti niti država niti mediji. SEPA bo postala realnost le tedaj, ko bo za vsa plačila v evrih na območju EU obveljalo, da se bodo obravnavala kot domača plačila in bo odpravljena obstoječa diferenciacija med plačili znotraj nacionalnih meja in čezmejnimi plačili. Zavedanje o SEPI je v Sloveniji najnižje v Evropski uniji. Ironično pri vsem tem pa je, da smo tudi po priznanjih tujih strokovnjakov na samem vrhu po razvoju in uporabi sodobnih plačilnih tehnologij. SEPA je že delno odpravila »geografske« meje na področju plačil znotraj evroobmočja. Na tak način bo zagotovljena povezanost trga plačil in kot posledica tega večja gospodarska korist. Ne vem, kako bodo banke videti čez dvajset let. Verjamem pa, da bodo precej drugačne od današnjih, drugačna bo tudi njihova informacijska podpora. Glede na to, kaj se dogaja v zadnjih letih, lahko mirno rečem, da bodo še bolj prilagojene strankam.The latest achievements of our civilization are clearly the consequences of developments in information and communication technologies and the increasing uniformity in access to services offered by the Internet. More and more people use the Internet in all spheres. Today there are almost no spheres which the user can not access via the network – the Internet. The development of the Internet caused a »revolution« that brought changes to many areas, and even though we know it for decades it is still considered as an extremely fast-growing field of new communication services. In the Thesis I presented electronic banking as one of more interesting fields of electronic commerce. I acknowledged that electronic banking has more advantages then weaknesses, which is why its use is yearly slightly increasing. As it is clear from the Thesis, my purpose was to present electronic banking for natural persons and to show its today’s and future importance. I focused on electronic banking of the Raiffeisen bank and presented RaiffeisenNET. Later on I presented the project SEPA which will be seen as an overall result in the near future. The project SEPA is in the end stages of unification of the European payment market in 29 countries which will enable more competition and transparency, and especially simplify the most important things for end users and cheapen the use of payment systems abroad. SEPA definitely deserves wider attention, speaking of which besides banks the State and the media should not forget their role. SEPA will become reality only when all the payments in euros within the EU will be considered as domestic payments and the existing differentiation between payments within national borders and cross-border payments will be abolished. The awareness of SEPA in Slovenia is the lowest in the European Union. The irony in all this is that we are according to awards of foreign experts at the cutting edge regarding the development and use of modern payment technologies. SEPA has already partially abolished the »geographical« limits on payments within the euro area. This way a connection of the payments market will be guaranteed and consequently greater economic growth. I do not know how banks will look like in twenty years, but I believe that they will look a lot different than today, they will also have different IT support. Given what has been happening in recent years, I can safely say that they will be even more customized