Menadžment organizacione bezbednosti platnog prometa

Abstract

Risk management in payment transactions includes identifying, measuring and managing risks. That is why it is necessary to establish its effective function in payment transactions. In the last ten years, the development of risk management in countries in transition is evident. Bearing these facts in mind, the aim of this research study is to analyze the risks in payment transactions, with special reference to the analysis of cash management. The results of this overview study show that each bank operates with a smaller or larger number of risks, positioning itself between two extremes: absolute risk acceptance and absolute risk non-acceptance. It is necessary that the level of risk acceptance be proportional to the bank's ability to cover the resulting losses, as well as to achieve an acceptable rate of return. Achieving higher returns is possible if the bank establishes effective identification, measurement and management of business risks. The carriers of security breaches arise from the types of sources from which forms of security breaches will later arise. In order to carry out the defense and protection function, it is necessary to include those measures that provide the possibility of eliminating elements that lead to the violation of security and danger. Those measures must be an integral part of the institution and the execution of the work process. The condition for safe and normal operations in cash payment transactions implies the necessity of having trained personnel for the implementation of the security function. In order to implement the security function and manage it successfully, it is necessary to integrate various norms in the existing legal regulations.