Макроекономските предизвици од електронските пари и електронското банкарство

Abstract

The contemporary banks are functioning completely on a different, more modern way in comparison to classical banks. The technological development, primarily the information technology, has enabled the banks in its range of services to include new products and services in the field of electronic banking and electronic money and at the same time to move the space and time limits of its operations, to be in constant contact with their customers, regardless of their location. The intensified use of electronic money contributed to the preparation of various studies on the influence of this new form of money on the central bank within the control of the money supply. The impact of electronic money in the global world net is enormous. With the usage of electronic money new scheme for performing commercial transactions are introduced, where both the consumers and traders have the opportunity to conduct complex financial transactions without physical presence in the bank. Despite the conveniences offered, both electronic money and electronic banking have the potential to cause significant consequences on the economic and social plan. Long term consequences of electronic money and electronic banking is still world's research subject. The regulators and supervisors are faced with new challenges which are imposed by electronic banking. The regulation and supervision of electronic money and their issuers, the electronic payment systems, as well as the experiences of developed countries in the area of supervision and regulation of the electronic banking is of significant importance. Within the thesis through twelve sections elaborated are various types of electronic payment systems, the instruments of the electronic payment systems, the development factors and the basic features of the electronic money, as well as its potential financial effects. The future of e-money is determined by its development and regulation, as well as by the increased technological achievements, thereby, it will affect the increase of the safety of this new payment instrument.