Karakteristike i mogućnosti upotrebe elektronskog novca
Characteristics and possibilities of using electronic money

Author(s): Adnan Kamerić
Subject(s): Supranational / Global Economy, Business Economy / Management, ICT Information and Communications Technologies, Socio-Economic Research
Published by: CENTAR MODERNIH ZNANJA
Keywords: electronic money; financial markets; digital currencies;
Summary/Abstract: E-money is the newest payment instrument. As part of the new electronic payment system, which will surely become a substitute for traditional payment in the future, electronic money is raising more and more interest in its implications for the further development of banking functions in the global and networked economy. Statistical evidence confirms the existence of electronic money is more pronounced in developed countries, which is understandable due to their high technological level, and knowledge and ability to absorb useful innovations of any kind. However, although electronic money has been present in certain markets for more than 20 years, its use is still at a generally low level globally. For this reason, this paper deals primarily with the characteristics and possible uses of electronic money, but with an analysis of the factors that influence its mass acceptance, that is, its use as a payment instrument.

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