Dražen Holmik
Hrvatska gospodarska komora, Rooseveltov trg 2, 10 000 Zagreb, Hrvatska
Ivana Šandrk Nukić
​Građevinski fakultet Osijek, Sveučilište J.J. Strossmayera u Osijeku, Vladimira Preloga 3, 31000 Osijek, Hrvatska
Ivana Barković Bojanić
Ekonomski fakultet u Osijeku, 3. adresa Gajev trg 7, 31000 Osijek, Hrvatska
​​​​DOI: https://doi.org/10.31410/EMAN.2018.321

​​2nd International Scientific Conference – EMAN 2018 – Economics and Management: How to Cope With Disrupted Times, Ljubljana – Slovenia, March 22, 2018, CONFERENCE PROCEEDINGS published by: Association of Economists and Managers of the Balkans, Belgrade, Serbia; Faculty of Management Koper, Slovenia; Doba Business School – Maribor, Slovenia; Integrated Business Faculty –  Skopje, Macedonia; Faculty of Management – Zajecar, Serbia, ISBN 978-86-80194-11-0


Abstract​

Bezgotovinsko plaćanje u prva četiri desetljeća postojanja prošlo je kroz nekoliko razvojnih faza. Nastanak i razvoj moguće je vezati za razvijene zemlje u kojima je bezgotovinsko plaćanje prvotno zaživjelo da bi ga naknadno prihvatile sve države. Razvoj tehnologije i globalizacija utjecao je na širenje bezgotovinskog plaćanja a posljednjih desetak godina ono je doživjelo iznimno veliki napredak. Veliki broj država započeo je sa e-Governmentom kako bi smanjili troškove te ubrzali procedure a novi način poslovanja ušao je u sve pore gospodarstva stvarajući nove tržišne zakone i ravnoteže. Bezgotovinsko plaćanje ubrzalo je protoke te navelo središnje banke na promjenu načina razmišljanja. Indija je smanjila broj novčanica za 86% dok je u Nizozemskoj u 2016. godini broj bezgotovinskih transakcija nadmašio broj gotovinskih. Tome je potrebno dodati i uštede koje će se stvoriti smanjenjem tiskanja novčanica ali i količinu novca koja će se osloboditi jer više neće biti potrebno u svakoj trgovini osigurati određeni iznos pologa u gotovini. Premda bezgotovinsko plaćanje postaje sve raširenije ono je još uvijek na razini od oko 20% ukupnog broja svjetskih transakcija. Međutim neke države su preskočile fazu kartičnog plaćanje te su iz gotovinskog plaćanja uz pomoć modernih tehnologija prešle u bezgotovinski svijet. Jedno od najvećih skokova doživjela je Kina gdje je broj gotovinskih transakcija u pet godina smanjen za više od 50%. Cilj ovog rada je dati pregled razvoja bezgotovinskog plaćanja te pretpostaviti mogući smjer kretanja uz poseban osvrt na razvoj bezgotovinskog plaćanja u Kini.

Key words

bezgotovinski svijet, eCommerce, globalizacija


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