natgillin/translations-raw huggingface dataset:
The publication provides a complete overview of the cards market in the RC for 2015, i.e. it presents aggregated statistical data on:
U publikaciji se na cjelovit način daje pregled kartičnog tržišta u RH za 2015. godinu, odnosno iznose se agregirani statistički podaci o:
Data on card-based payment transactions are collected in the original currency, i.e. in the currency in which the transaction
Podaci o kartičnim platnim transakcijama prikupljaju se u originalnoj valuti, tj. valuti u kojoj se transakcija provodi (valuta transakcije).
The basic terms defined by the PSA, which refer to the area of payment cards and card-based payment transactions, are the following:
Temeljni pojmovi određeni ZPP-om koji se odnose na područje platnih kartica i kartičnih platnih transakcija jesu:
CNB · Payment Statistics · Payment Cards and Card Transactions · Structure of the card market and payments infrastructure
HNB · Statistika platnog prometa · Platne kartice i kartične transakcije · Struktura kartičnog tržišta i platnoprometna infrastruktura
2 Structure of the card market and payments infrastructure
2. Struktura kartičnog tržišta i platnoprometna infrastruktura
This chapter shows card payment schemes (Sub-chapter 2.1) and payments infrastructure by accepting devices for payment cards, such as ATMs and EFTPOS terminals (Sub-chapter 2.2).
U ovom su poglavlju prikazane kartične platne sheme (Potpoglavlje 2.1.) i platnoprometna infrastruktura prema prihvatnim uređajima kao što su bankomati i EFTPOS uređaji (Potpoglavlje 2.2.).
Number of ATMs on 100,000 inhabitants
Broj bankomata na 100.000 stanovnika
In the RC, two models of card schemes are recognised: the model with four stakeholders, i.e. the four-party card scheme and the model with three parties or stakeholders, i.e. the three-party card scheme.
U RH prepoznajemo dva modela kartičnih shema: model s četiri sudionika, tj. četverostranu kartičnu shemu i model s tri strane ili sudionika, tj. trostranu kartičnu shemu.
1. The cardholder uses a payment card at a merchant's to initiate a card payment for the purchase of goods and services.
Tijek izvršenja kartičnog plaćanja u četverostranoj kartičnoj shemi između imatelja platne kartice, trgovca, prihvatitelja i izdavatelja na fizičkom prodajnom mjestu, tj. EFTPOS uređaju uz fizičku nazočnost imatelja platne kartice: 1.
• Cardholder - payer: consumer and/or non-consumer, i.e. a
• Imatelj platne kartice platitelj: potrošač i/ili nepotrošač, tj. fi
natural and/or legal person initiating a card transaction using
zička i/ili pravna osoba koja inicira kartičnu transakciju plat
a payment card.
nom karticom.
• Merchant - payee: legal or natural person/payee, accepting
• Trgovac primatelj plaćanja: pravna ili fizička osoba primatelj
the payment card issued by the issuer that has established an
plaćanja, koja prihvaća platnu karticu izdanu od izdavatelja, a
agreement with the acquirer.
ugovorni odnos sklapa s prihvatiteljem.
• Issuer/acquirer: in the three-party card scheme, the same pay
• Izdavatelj/prihvatitelj: u trostranoj kartičnoj shemi izdavatelj i
ment service provider is the issuer and the acquirer.
prihvatitelj jest isti pružatelj platnih usluga.
As the issuer, the payment service provider is bound by a contract with the cardholder, and it has issued the cardholder (the payer) with a payment card, which serves for initiating card-based payment transactions.
Kao izdavatelj pružatelj platnih usluga ugovorno je vezan s imateljem platne kartice i imatelju kartice (platitelju) izdao je platnu karticu koja služi za iniciranje kartičnih platnih transakcija.
As the acquirer, the payment service provider is bound by a contract with the payee (merchant), to whom it ensures the acquiring of the payment card and the processing of the card-based payment transaction, which results in the transfer of funds to the payee (merchant).
Kao prihvatitelj pružatelj platnih usluga ugovorno je vezan s primateljem plaćanja (trgovcem) kojem osigurava prihvaćanje platne kartice i obradu kartične platne transakcije, a koja rezultira prijenosom novca primatelju plaćanja (trgovcu).
Of the total number
Tablica 1.
Total on 31 December 2014
Ukupno na dan 31. prosinca 2014.
EFTPOS terminals EFTPOS terminals for withdrawal and deposit
EFTPOS uređaji EFTPOS uređaji za isplatu i uplatu
City of Zagreb
Grad Zagreb Istarska
Istria
Karlovačka
of EFTPOS terminals, at 1,633 of them cardholders can initiate only the payment transactions of withdrawal and/or deposit of cash through a payment card, but not the payment of goods and services (Table 1).
omogućeno je iniciranje samo platnih transakcija podizanja i/ili polaganja gotovog novca platnom karticom, a ne i plaćanje robe i usluga (Tablica 1.).
An ATM is an electromechanical terminal allowing cardholders to make cash withdrawals and/or deposits and to use the service of providing information and other services.
Bankomat je elektromehanički uređaj koji omogućuje imateljima platnih kartica podizanje i/ili polaganje gotovog novca, korištenje usluge davanja informacija i druge usluge.
Structure of the card market and payments infrastructure · Payment Cards and Card Transactions · Payment Statistics · CNB
Struktura kartičnog tržišta i platnoprometna infrastruktura · Platne kartice i kartične transakcije · Statistika platnog prometa · HNB
Source: CNB.
Kontaktni
Contact Contactless - contact
Beskontaktno-kontaktni
payment cards, which contain records based only on a chip and/ or magnetic stripe.
EFTPOS uređaji mogu se podijeliti na kontaktne i beskontaktno-kontaktne.
As in 2014, in 2015, within the category of EFTPOS terminals, the number of contact EFTPOS terminals continued to decline from 81,664, as recorded on 31 December 2014, to 75,027, as recorded on 31 December 2015.
Unutar kategorije EFTPOS uređaja, kao i u 2014. godini, i tijekom 2015. nastavlja se trend smanjenja broja kontaktnih EFTPOS uređaja s 81.664, koliko ih je evidentirano na dan 31. prosinca 2014., na 75.027, koliko ih je evidentirano na dan 31. prosinca 2015.
However, the number of contactless-contact terminals continued to increase from 17,851 to 28,407, accounting for 27% of all EFTPOS terminals on 31 December 2015 (Figure 3).
Također, istodobno se nastavlja trend povećanja broja beskontaktno-kontaktnih uređaja s 17.851 na 28.407, što čini 27% svih EFTPOS uređaja na dan 31. prosinca 2015.
The breakdown of ATMs by functions also shows the data on ATMs that allow users to use different services, such as the review of payment account transactions, the purchase of vouchers, the use of electronic banking, etc., at which it is not possible to effect the payment services of cash deposits, cash withdrawals and execution of credit transfers.
U sklopu pregleda bankomata prema funkcijama prikazan je i podatak o bankomatima koji korisnicima omogućuje različite usluge, kao što su pregled prometa po računima za plaćanje, kupnja bonova, korištenje usluge elektroničkog bankarstva i slično, a na kojima nije moguće izvršiti platne usluge polaganja gotovog novca, podizanja gotovog novca i izvršavanje kreditnih transfera.
According to their functions, we can distinguish four types of ATM in the RC (Figure 1).
S obzirom na navedeno, razlikujemo četiri vrste bankomata prema funkcijama na teritoriju RH (Slika 1.).
On 31 December 2015, 4,053 withdrawal ATMs, 288 depositwithdrawal ATMs, 10 terminals and 67 deposit ATMs were recorded in the RC (Figure 1).
Na dan 31. prosinca 2015. na teritoriju RH evidentirano je 4.053 isplatna bankomata, 288 uplatno-isplatnih bankomata, 10 uređaja i 67 uplatnih bankomata (Slika 1.).
On 31 December 2015, of the total number of ATMs, 1,520 of them were in a video surveillance system and 943 were in a secure location.
Od ukupnog broja bankomata, na dan 31. prosinca 2015. njih 1520 u sustavu je videonadzora i 943 u osiguranom prostoru.
ATMs in a secure location are ATMs located in a special, enclosed area for that purpose, and physical access is ensured by applying adequate measures of physical and/or technical protection.
Bankomati u osiguranom prostoru jesu bankomati koji su smješteni u poseban, zatvoren prostor za tu namjenu, a fizički je pristup osiguran primjenom odgovarajućih mjera fizičke i/ili tehničke zaštite.
An ATM can be categorised in both of the above features.
Pritom jedan bankomat može biti svrstan u oba navedena obilježja.
An EFTPOS terminal for withdrawal and deposit is a terminal that allows cardholders to initiate only the payment transactions of the withdrawal and/or deposit of cash using a payment card.
EFTPOS uređaj za isplatu i uplatu jest uređaj koji imateljima platnih kartica omogućuje iniciranje samo platnih transakcija podizanja i/ili polaganja gotovog novca platnom karticom.
This terminal is most frequently located in the premises of a third
Taj je uređaj najčešće smješten u prostorijama treće osobe koja na
person, which, pursuant to a contract, operates on behalf and for the account of the payment service provider (e.g. the Financial Agency, Hrvatska pošta, etc.).
osnovi ugovora radi u ime i za račun pružatelja platnih usluga (npr. Financijska agencija, Hrvatska pošta i sl.).
On 31 December 2015, a total of 1,633 EFTPOS terminals for withdrawal and deposit were recorded (Table 1).
Na dan 31. prosinca 2015. ukupno su evidentirana 1.633 EFTPOS uređaja za isplatu i uplatu (Tablica 1.).
Payment service providers - issuers (hereinafter referred to as ‘issuers') in the RC include: 1. credit institutions (banks) that have obtained authorisation from the CNB, which includes the authorisation to provide the payment service of the issuance of payment cards; and 2. electronic money institutions5 that have obtained the authorisation of the CNB to provide the payment service of issuing payment cards.
Pružatelji platnih usluga izdavatelji (u nastavku teksta: izdavatelji) u RH jesu: 1. kreditne institucije (banke) koje su od HNB-a dobile odobrenje za rad u sklopu kojeg je i odobrenje za pružanje platne usluge izdavanja platnih kartica i 2. institucije za elektronički novac5 koje su od HNB-a dobile odobrenje za pružanje platne usluge izdavanja platnih kartica.
Number of payment cards per capita
Broj platnih kartica po stanovniku
Number of debit payment cards per capita
Broj debitnih platnih kartica po stanovniku
Number of credit payment cards per capita
Broj kreditnih platnih kartica po stanovniku
Number of payment cards per cardholder
Broj platnih kartica po imatelju platne krartice
Percentage of inhabitants who have only a debit card
Postotak stanovnika koji imaju samo debitne kartice
Percentage of inhabitants with at least one payment card
Postotak stanovnika s barem jednom platnom karticom
Population: 4,284,884 Cardholders: 3,364,635
4.284.884 stanovnika 3.364.635 imatelja platne kartice
On 31 December 2015, a total of 8,738,993 payment cards of consumers and business entities (non-consumers) were recorded in the RC, of which 6,879,381 were debit cards (79%) and 1,859,612 were credit cards (21%).
Na dan 31. prosinca 2015. u RH ukupno je evidentirano 8.738.993 platne kartice potrošača i poslovnih subjekata (nepotrošača), a od toga je 6.879.381 debitna kartica (79%) i 1.859.612 kreditnih kartica (21%).
Debit card 5,451,357 1,067,731 360,293 6,879,381
Debitna platna kartica
Credit card 1,622,813 161,709 75,090 1,859,612
Kreditna platna kartica
Credit cards can also be broken down by the type of contract between the issuer and cardholder and by the agreed manner of cost repayment.
Kreditne platne kartice mogu se podijeliti i prema vrsti ugovora između izdavatelja i imatelja platne kartice te prema dogovorenom načinu otplate troškova.
The breakdown of payment cards by types is shown in Table 4.
Razrada platnih kartica prema vrstama prikazana je u Tablici 4.
July 2016 · 11
• plastičnoj kartici i
• a plastic card; and
• drugom fizičkom nositelju kao što su mobilni telefon, naljepni
Of the total number of all payment cards, on 31 December 2015, 36,067 debit card stickers were recorded.
Od ukupnog broja svih platnih kartica na dan 31. prosinca 2015. evidentirano je 36.067 debitnih kartica pričvršćenih na naljepnici.
Thus a total of 7,802,869 or 89% of all payment cards were issued in the fourparty card scheme system, of which 6,879,381 were debit cards and 923,488 were credit cards.
Tako je u sustavu četverostrane kartične sheme ukupno izdano 7.802.869 ili 89% svih platnih kartica, od kojih je 6.879.381 debitna platna kartica i 923.488 kreditnih platnih kartica.
A ‘blocked payment card' means a payment card in circulation that temporarily cannot be used for card-based payment transactions.
Blokirana platna kartica jest platna kartica u optjecaju kojoj je privremeno onemogućeno korištenje i izvršavanje kartičnih platnih transakcija.
Revolving card
Revolving kartica
In 2015, the average monthly number of:
U 2015. prosječan mjesečni broj:
Note: Data refer to the total number of used, unused and blocked payment cards on the last day of each reporting month.
Napomena: Podaci se odnose na ukupan broj korištenih, nekorištenih i blokiranih platnih kartica na posljednji dan svakog izvještajnog mjeseca.
Newly issued and deactivated payment cards
Novoizdane i deaktivirane platne kartice
Data on payment cards with the status of ‘newly issued' refer to the newly issued cards throughout the reporting month, and not to their status on the last day of the reporting month.
Podatak o platnim karticama sa statusom novoizdana odnosi se na novoizdane kartice tijekom cijeloga izvještajnog mjeseca, a ne na njihovo stanje na posljednji dan izvještajnog mjeseca.
In 2015, a total of 1,085,698 payment cards were newly issued, of which 880,933 or 81% were debit cards and 204,765 or 19% were credit cards (Figure 6).
U 2015. ukupno je novoizdano 1.085.698 platnih kartica, od kojih su 880.933 ili 81% debitnih kartica i 204.765 ili 19% kreditnih kartica (Slika 6.).
In 2015, the average monthly number of newly issued debit cards was 73,411, and the average monthly number of newly issued credit cards was 17,064.
Broj novoizdanih debitnih kartica u 2015. prosječno mjesečno iznosio je 73.411 karticu, a broj novoizdanih kreditnih kartica prosječno mjesečno iznosio je 17.064 kartice.
‘Deactivated payment card' means a payment card the use of which for card-based payment transactions has been permanently disabled.
Pod pojmom deaktivirana platna kartica podrazumijeva se platna kartica kojoj je trajno onemogućeno korištenje i izvršavanje kartičnih platnih transakcija.
In 2015, a total of 1,168,530 payment cards were deactivated, of which 945,318 or 81% were debit cards and 223,212 or 19% were credit cards (Figure 6).
U 2015. ukupno je deaktivirano 1.168.530 platnih kartica, od kojih su 945.318 ili 81% debitne kartice i 223.212 ili 19% kreditne kartice (Slika 6.).
Of the total number of deactivated payment cards, 653,956 or 56% of them were deactivated at the user's initiative, while 514,574 or 44% of them were deactivated by the issuer.
Od ukupnog broja deaktiviranih platnih kartica njih 653.956 ili 56% deaktivirano je na inicijativu korisnika, dok je njih 514.574 ili 44% deaktivirao izdavatelj.
Note: Data refer to the total number of newly issued and deactivated payment cards during each reporting month in 2015.
Napomena: Podaci se odnose na ukupan broj novoizdanih i deaktiviranih platnih kartica tijekom svakog izvještajnog mjeseca u 2015.
Deactivated credit cards Deactivated debit cards
Deaktivirane kreditne platne kartice Deaktivirane debitne platne kartice
letter of each of these three institutions.
institucija).
The standard covers the processing of microchip-based credit and debit cards (smart cards), i.e. it defines a set of rules with the aim of setting up secure and smooth communication between smart cards and accepting devices for payment cards.
Standard obuhvaća procesiranje kreditnih i debitnih kartica temeljenih na mikročipu (pametne kartice), odnosno definira skup pravila s ciljem uspostave sigurne i nesmetane komunikacije pametnih kartica i prihvatnih uređaja.
EMV standard-based cards are a significant improvement over magnetic stripe-based cards, primarily because of the higher level of security and the prevention of card fraud.
Kartice temeljene na EMV standardu znatno su unapređenje u odnosu na kartice temeljene na magnetnoj traci, ponajprije zbog više razine sigurnosti i sprječavanja kartičnih prijevara.
On 31 December 2014, in all 8,039,663 EMV payment cards were recorded, accounting for 93% of all payment cards, while on 31 December 2015, the number of EMV payment cards stood at 8,145,296, accounting for 93% of all payment cards.
Na dan 31. prosinca 2014. ukupno je evidentirano 8.039.663 EMV platne kartice, što čini 93% ukupnog broja svih platnih kartica, dok je na dan 31. prosinca 2015. broj EMV platnih kartica iznosio 8.145.296, gdje se udio zadržao na 93% svih platnih kartica.
Table 5 Number of contact and contactless payment cards issued in the RC on 31 December 2015
Broj kontaktnih i beskontaktnih platnih kartica izdanih u RH na dan 31. prosinca 2015.
On 31 December 2015, of the total number of payment cards, 7,059,590 or 81% of them were contact and 1,679,403, i.e. 19% were contactless (Table 5).
Od ukupnog broja platnih kartica na dan 31. prosinca 2015. kontaktnih je 7.059.590 ili 81%, a beskontaktnih 1.679.403, tj. 19% (Tablica 5.).
In 2015, the share of contactless payment cards in total payment cards increased from 16%, as recorded on 31 January 2015, to 19%, as recorded on 31 December 2015.
Tijekom 2015. udio beskontaktnih platnih kartica u ukupnim platnim karticama porastao je sa 16% koliko ih je evidentirano na dan 31. siječnja 2015. na 19% koliko ih je evidentirano na dan 31. prosinca 2015.
Of the total number of contactless payment cards, 94% were debit cards.
Od ukupnog broja beskontaktnih platnih kartica njih 94% čine debitne platne kartice.
In 2015, the number of contact payment cards continued to decrease from 7,260,298, as recorded on 31 December 2014, to 7,059,590, as recorded on 31 December 2015, which represents a fall of 3%.
Tijekom 2015. nastavlja se smanjenje broja kontaktnih platnih kartica sa 7.260.298 koliko ih je evidentirano na dan 31. prosinca 2014. na 7.059.590 koliko ih je evidentirano na dan 31. prosinca 2015., što čini pad od 3%.
A cardholder may be a consumer and a business entity (non-consumer).
Imatelj platne kartice može biti potrošač i poslovni subjekt (nepotrošač).
Sixty-three per cent of all cardholders (consumers) hold payment cards issued by only one issuer, 27% hold payment cards issued by two issuers, and 10% of consumers hold payment cards issued by three or more issuers (Table 6).
Od ukupnog broja imatelja platnih kartica potrošača 63% njih ima platne kartice izdane samo od jednog izdavatelja, 27% njih ima platne kartice izdane od dva izdavatelja, a 10% potrošača ima platne kartice izdane od tri ili više izdavatelja (Tablica 6.).
On 31 December 2015, the total number of cardholders (consumers) holding a debit card stood at 3,345,174, i.e. 78% of the population of the RC hold debit cards.
Na dan 31. prosinca 2015. ukupan broj imatelja platnih kartica potrošača koji imaju debitnu karticu iznosio je 3.345.174, odnosno 78% stanovništva RH ima debitne kartice.
In addition, on 31 December 2015 the number of cardholders holding only a debit card stood at 2,227,872, i.e. 52% of the population of the RC hold only debit cards.
Nadalje, broj imatelja koji imaju samo debitnu karticu na dan 31. prosinca 2015. iznosio je 2.227.872, odnosno 52% stanovništva RH ima samo debitne kartice.
The total number of cardholders (consumers) holding a credit card stood at 1,117,302 or 26% of the population of the RC.
Ukupan broj imatelja platnih kartica potrošača koji imaju kreditnu platnu karticu jest 1.117.302 ili 26% stanovništva RH.
Table 6 Number of cardholders in the RC (consumers) on 31 December 2015
Broj imatelja platnih kartica u RH (potrošača) na dan 31. prosinca 2015.
Number of PSP issuers
Broj PPU izdavatelja Broj imatelja
Number of holders
Ukupno debitne kartice
Total debit cards
Ukupno kreditne kartice
Total credit cards
Ukupno platne kartice
Total payment cards
Jedan
One
Dva
Two
Tri
Three
Četiri
Four
Pet i više
Note: Data refer to the total number on 31 December 2015.
Napomena: Podaci se odnose na ukupan broj na dan 31. prosinca 2015.
Payment service providers - issuers (hereinafter referred to as ‘issuers') in the RC include: 1. credit institutions (banks) that have obtained authorisation from the CNB, which includes authorisation to provide the payment service of the issuance of payment cards; and 2. electronic money institutions8 that have obtained the authorisation of the CNB to provide the payment service of issuing payment cards.
Pružatelji platnih usluga izdavatelji (u nastavku teksta: izdavatelji) u RH jesu: 1. kreditne institucije (banke) koje su od HNB-a dobile odobrenje za rad u sklopu kojeg je i odobrenje za pružanje platne usluge izdavanja platnih kartica i 2. institucije za elektronički novac8 koje su od HNB-a dobile odobrenje za pružanje platne usluge izdavanja platnih kartica.
Along with the development of the payment cards market, cardbased payment transactions have also developed, for they are no longer restricted to the transactions of the purchases of goods and services through EFTPOS terminals and transactions of cash withdrawal and deposit at ATMs, but also cover the transactions of the purchases of goods and services through the Internet, direct debit and standing order transactions through a payment card and cash withdrawals through an EFTPOS terminal.
Razvojem tržišta platnih kartica razvijale su se i kartične platne transakcije koje više nisu samo transakcije kupnje robe i usluga preko EFTPOS uređaja i transakcije podizanja i polaganja gotovog novca na bankomatima, već obuhvaćaju i transakcije kupnje robe i usluga internetom, transakcije izravnog terećenja i trajnih naloga preko platne kartice i podizanja gotovog novca preko EFTPOS uređaja.
8 Not including data submitted by electronic money institutions that at the same time carry out the activity of telecommunications services.
• u četvrtom dijelu daje se usporedba korištenja platnih kartica i gotovog novca u RH (Potpoglavlje 4.2.).
Box 3 National card-based payment transactions per capita in 2015
8 Ne uključuju se podaci dostavljeni od institucija za elektronički novac koje ujedno obavljaju djelatnost telekomunikacijskih usluga.
Source: CNB.
Okvir 3.
In 2015, the number of total card-based payment transactions increased by 7%, and their value increased by 4% from 2014.
Prosječan mjesečni broj kartičnih platnih transakcija iznosio je 30,5 milijuna, a prosječna mjesečna vrijednost transakcija 11.050,9 milijuna kuna.
Total number of transactions - right Total value of transactions - left
Ukupan broj transakcija - desno Ukupna vrijednost transakcija - lijevo
The average monthly number of card-based payment transactions stood at 30.5 million, and the average monthly value of transactions at HRK 11,050.9 million.
Po jednoj korištenoj platnoj kartici izdanoj u RH prosječno je mjesečno izvršeno 7 kartičnih platnih transakcija u ukupnoj vrijed nosti od 2.539 kuna.
• payment transactions of the purchases of goods and services
• platne transakcije kupnje robe i usluga platnom karticom;
using a payment card;
• platne transakcije podizanja gotovog novca platnom karticom;
• payment transactions of cash withdrawals using a payment
• platne transakcije polaganja gotovog novca platnom karticom;
• standing orders and direct debits charged through a payment
• naknade, članarine, provizije, kamate i slično naplaćene od iz
card; and
davatelja preko platne kartice.
A total of 350.92 million national card-based payment transactions worth a total of HRK 125,251.27 million were executed in the RC in 2015.
Ukupan broj nacionalnih kartičnih platnih transakcija u 2015. godini u odnosu na 2014. godinu povećao se za 7%, a ukupna vrijednost za 5%.
In 2015, the total number of national card-based payment transactions increased by 7%, and their value increased by 5% from 2014.
Ukupan broj nacionalnih platnih transakcija debitnim karticama u 2015. godini povećao se za 8% u odnosu na 2014. godinu, a vrijednost transakcija za 7%.