@article{
author = "Čudan, Aleksandar and Nikolić, Đurica and Kekić, Dalibor",
year = "2020",
abstract = "Digitalization in all spheres of social life, widespread
distribution and numerouspossibilities of smart phones as well as
increasing amounts and scope of electronic contents and services lead
to the emergence of new expectations and new requirements of banks,
buyers and sellers, which refer to contemporary architecture of
payment card operations. Payments make integral part of business
operations regardless of whether we talk about traditional or on-line
business operations, and this is why it is necessary to find the best
manner to pay for goods or services using new technological and
communications solutions. The subject of research in this paper is the
analysis of characteristics of contemporary risks, development factors,
economic effects and distribution of payment cards within the system of
e-money, e-payment and e-banking, with a view to indicating the
possible positive economic consequences and necessity to innovate and
complete legal regulations in this area.
The paper uses both general and specific scientific methods and
procedures of logical conclusion, statistical, as well as positivist legal method. The manner of research includes the selection and application
of scientific methods, the selection of data and the scope of research., Digitalizacija u svim sferama društvenog života,
velika rasprostranjenost i mogućnosti „pametnih“ telefona i sve veća
zastupljenost elektronskih sadržaja, usluga, dovodi do pojave novih
oĉekivanja i novih zahteva banaka, kupaca i prodavaca, koji se odnose
na savremenu arhitekturu poslovanja sa platnim karticama. Plaćanja
su sastavni deo poslovnih operacija, bez obzira da li se radi o
tradicionalnom ili onlajn poslovanju, te je iz tih razloga neophodno
pronaći najbolji naĉin da se plati za dobra ili uslugu uz korišćenje
novih tehnoloških i komunikacionih rešenja.
Predmet istraživanja u radu je analiza karakteristika
savremenih rizika, faktora razvoja, ekonomskih efekata i zastupljenosti
platnih kartica u sistemu elektronskog novca, plaćanja i elektronskog
bankarstva, sa ciljem da ukažemo na moguće pozitivne ekonomske
posledice i neophodnost inoviranja i upotpunjavanja zakonske
regulative u ovoj oblasti.
U radu su korišćene opšte kao i posebne nauĉne metode i postupci
logiĉnog zakljuĉivanja, statistiĉki, kao i pozitivistiĉki pravni metod.
Naĉin istraživanja sadrži: izbor i primenu nauĉnih metoda, izbor
podataka i obuhvat istraživanja.",
publisher = "Београд : Министарство унутрашњих послова Републике Србије",
journal = "Безбедност",
title = "New Architecture and Risks in Payment Card Operations, Nova arhitektura i rizici u poslovanju sa platnim karticama",
volume = "62",
number = "1",
pages = "121-137",
doi = "10.5937/bezbednost2001121C"
}