Formy platebního styku – rozvoj elektronického bankovnictví

Abstract

The theme of this thesis is the payment system, focusing on the development of electronic banking. The theoretical part presents payments in general. At the beginning, the legislation which covers payments is defined. Furthermore, it comes to defining basic concepts and basic forms of the dividing of payments. The highlight of the part is a description of various tools used in payment transactions. The practical part deals fully with electronic banking. First it focuses on basic electronic banking products and then it analyses of the survey research, which is the crucial point of not only the practical part but also the whole thesis. The aim of the research is to find out how the use of electronic banking has developed among ordinary people so far. The analysis reveals how respondents see electronic banking, its advantages and disadvantages, and if they prefer electronic payments to traditional. In conclusion, this work introduces several financial institutions in the Czech Republic, as well as electronic banking products offered by these institutions. It also gives special benefits and prices of these products, by which financial institutions try to compete with each other.