IMPLEMENTATION INFORMATION TEHNOLOGY SUPPORT FOR SEPA CREDIT TRANSFER

V diplomskem delu je opisana uvedba informacijske podpore za SEPA na primeru kreditnih plačil v poslovni banki. Temo za diplomsko nalogo sem izbrala sama predvsem zaradi aktualnosti in želji po novih znanjih, ki sem jih ob pisanju diplomske naloge tudi pridobila. V diplomski nalogi je prvem delu opisano delovanje plačilnih sistemov kot so potekali pred uvedbo projekta SEPA v Sloveniji. Opisani so plačilni sistemi, ki so omogočali izvajanje domačega plačilnega prometa, kakor tudi plačilni sistemi, ki so omogočali izvajanje čezmejnega nakazovanja plačil. V drugem delu diplomske naloge je predstavljen projekt SEPA (Single Euro Payments Area - Enotno območje plačil v evrih, ki ga je v ta namen vzpostavila Evropska centralna banka. V projekt SEPA so se vključile tudi slovenske banke, ki kot članice in pod okriljem Združenja bank Slovenije, na nacionalnem nivoju sodelujejo v projektu. V praktičnem delu je prikazana organizacija projekta v banki ter aktivnosti banke, ki so tesno povezane z aktivnostmi na nacionalnem nivoju projekta ter izvedba uvedbe informacijske podpore na primeru kreditnih plačil za implementacijo v SEPA shemo kreditna plačila v poslovni banki. Predstavljene so aktivnosti, ki jih je poslovna banka morala izvesti, da je izpolnila vse pogoje za uspešno vključitev v SEPA shemo kreditna plačila. V zadnjem delu naloge je predstavljena oceno o napredku vzpostavitve enotnega območja plačil v evrih, predvsem za shemo kreditna plačila. Enotno območje plačil v evrih – SEPA pomeni izboljšanje učinkovitosti in standardizacijo domačega in čezmejnega plačilnega prometa. Z uveljavitvijo SEPA plačilnih shem bo notranji in čezmejni plačilni promet potekal na enakih osnovah in standardih ter se izvajal po enakih postopkih, ne glede na to v kateri drzavi znotraj SEPA ima stranka transkacijski račun oziroma preko katerega izvajalca opravlja svoj plačilni promet.This thesis describes the introduction of IT support for SEPA in the case of credit payments in commercial banks. The topic for this thesis was chosen because of its relevance and the desire to gain new knowledge in this field. In the first part of this thesis we present the functioning of payment systems as they were before the SEPA system was introduced in Slovenia, meaning both – domestic and cross border payments. In the second part we present the SEPA project (Single Euro Payments Area) introduced by the European Central Bank. On a national level Slovenia banks were included in the SEPA project under the auspice of the Banking Association of Slovenia. In the empirical part of the thesis we present the organization project and activities for setting up the project in selected banks, which are closely linked with the activities project on a national level. We also present information technology support or SEPA credit payment transactions. We also present all the activities, which a bank has to perform to fulfil all conditions for successful inclusion in the SEPA scheme for credit payment transfers. In the last part is an assessment of progress in the SEPA project. SEPA brings the Single Euro Payment Area improvement of effectiveness and the standardisation of domestic and cross border payments. With the implementation of SEPA payment schemes, internal and cross-border payments will be carried run on the same basis and standards and will be implemented under the same procedures, regardless of which country, within SEPA, a client has a bank account or through which contractor a payment is carried out. As such consumers need one single account to make their transactions in the euro wide area regardless of the country where they have their account or order their payments