CRITICAL SUCCESS FACTOR OF BANKING E-PAYMENT SYSTEM IN COMPANIES

SEPA je projekt 27 držav clanice Evropske unije in ostalih pet clanic Evropske monetarne unije. Z SEPA pravili bodo vsa placila v evrih majhnih vrednosti obravnavana kot domaca placila, in ne bo vec razlikovanja med nacionalnimi in cezmejnimi placili. Projekt SEPA (Single Euro Payments Area) oziroma vzpostavitev enotnega obmocja placil v evrih, se je v zacel v letu 2002 pod okriljem Evropskega sveta za placila. Uvedba SEPA pravil, so dolžne spoštovati vse države EU, in so jih tudi morale sprejeti v svojo zakonodajo. Razlog vzpostavitve SEPA pravil je v bancnem sektorju, saj zaprtost in razdrobljenost trga placilnih storitev omejuje možnost konkurence. Banke in države EU so pri svojem poslovanju, razbrale, da morajo narediti korenite spremembe, v kolikor želijo doseci boljši, ucinkovit, povezan trg placilnih storitev, kateri bo spodbujal inovacije in konkurenco. Povezan trg bi bilo mogoce doseci z vzpostavitvijo skupnih standardov placil v celotnem obmocju SEPA. Pred SEPA so vse evropske države imele vzpostavljen nacionalni placilni sistem, po vzpostavitvi SEPA je pa vzpostavljen enoten placilni sistem z dodatnimi storitvami. Stare nacionalne standarde so zamenjala nova skupna pravila za vse države. Z SEPA pravili se vsa placila v obmocju SEPA obravnavajo kot domaca placila in ne vec kot cezmejna placila, z vzpostavitvijo bodo izginila cezmejna placila in tveganje. Enotno obmocje placil v evrih, bo prispevalo k vecji povezanosti evropskega placilnega trga. SEPA bo prinesla prednosti za podjetja, vendar morajo le-ta narediti nekatere spremembe v svojih zalednih aplikacijah, da bodo le-ta SEPA skladna. Cilj raziskave je analizirati ali so podjetja pripravljena na SEPA, in ali je SEPA priložnost da podjetja prenovijo svoje procese pri placilih.SEPA is a project of the 27 EU member countries and five other European countries. With SEPA all euro payments will be treated as domestic payments, and the current differantiation between national and cross-border payments will cease. SEPA preparations began in 2002, when banks in the European Union (EU) established the European Payments Council (EPC). The introduction of the SEPA rules are required to comply with all EU countries, and they also have to adopt in their legislation. The reason behind driving SEPA was that banks saw that changes were needed, in order to achieve a better integrated market, which would foster competition and drive innovation. An integrated market could be achieved by establishing common payments standard for the whole SEPA area. An integrated market could be achieved by establishing common payment standards for the whole SEPA area. Before SEPA all European countries had their own national solution with additional optional services, but after SEPA there will be a common solution with additional optional services. Old payments instruments and standards will be replaces with common ones. The cross-border complexity and risk payments will disappear, as with SEPA all payments within the area be domestic payments and not cross-border payments anymore. Single Euro Payments Area will contribute to greater integration of European payments market. SEPA will bring benefits to companies, but they also have to make some changes in order to become SEPA compliant. The research objective is to find out how companies are preparing for SEPA and if SEPA is an opportunity for companies to reengineer their payment processes