{"?xml":{"@version":"1.0"},"edm:RDF":{"@xmlns:dc":"http://purl.org/dc/elements/1.1/","@xmlns:edm":"http://www.europeana.eu/schemas/edm/","@xmlns:wgs84_pos":"http://www.w3.org/2003/01/geo/wgs84_pos","@xmlns:foaf":"http://xmlns.com/foaf/0.1/","@xmlns:rdaGr2":"http://rdvocab.info/ElementsGr2","@xmlns:oai":"http://www.openarchives.org/OAI/2.0/","@xmlns:owl":"http://www.w3.org/2002/07/owl#","@xmlns:rdf":"http://www.w3.org/1999/02/22-rdf-syntax-ns#","@xmlns:ore":"http://www.openarchives.org/ore/terms/","@xmlns:skos":"http://www.w3.org/2004/02/skos/core#","@xmlns:dcterms":"http://purl.org/dc/terms/","edm:WebResource":[{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-R874AGUA/7539cb1b-1de9-4087-aa2a-ccb3eae52b14/PDF","dcterms:extent":"231 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-R874AGUA/a6d977e6-d3b2-466d-8e99-b3e3f3bc099e/TEXT","dcterms:extent":"73 KB"}],"edm:TimeSpan":{"@rdf:about":"2013-2026","edm:begin":{"@xml:lang":"en","#text":"2013"},"edm:end":{"@xml:lang":"en","#text":"2026"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:doc-R874AGUA","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/URN:NBN:SI:spr-2XUGOISV"},{"@xml:lang":"sl","#text":"Podjetje in delo"}],"dcterms:issued":"2026","dc:creator":["Damjan, Matija","Strojan, Lucija"],"dc:format":[{"@xml:lang":"sl","#text":"številka:2"},{"@xml:lang":"sl","#text":"letnik:52"},{"@xml:lang":"sl","#text":"str. 213-237"}],"dc:identifier":["ISSN:0353-6521","COBISSID_HOST:275995139","URN:URN:NBN:SI:doc-R874AGUA"],"dc:language":"sl","dc:publisher":[{"@xml:lang":"sl","#text":"Gospodarski vestnik"},{"@xml:lang":"sl","#text":"Inštitut za delo pri Pravni fakulteti"},{"@xml:lang":"sl","#text":"Zveza Društev pravnikov v gospodarstvu Slovenije"}],"dcterms:temporal":{"@rdf:resource":"2013-2026"},"dc:title":{"@xml:lang":"sl","#text":"Odgovornost banke za zlorabe pri spletnem bančništvu|"},"dc:description":[{"@xml:lang":"sl","#text":"This article examines the liability allocation system for unauthorised payment transactions in cases of online banking fraud. Online banking, which benefits both consumers and banks, opens up opportunities for various forms of online fraud. Methods of online fraud are rapidly evolving in response to new circumstances and market opportunities. In accordance with the Payment Services, Services for Issuing Electronic Money and Payment Systems Act (ZPlaSSIED), the bank is primarily liable for any damage arising from an unauthorised payment transaction. The main exception to this rule applies when the online banking user can be accused of intent or gross negligence, in which case responsibility is transferred from the bank to the user. Gross negligence is assessed in relation to the expected behaviour of a less careful online banking user. If the user is a consumer, the assessment of the necessary care is further conditioned by the idea of protecting the weaker party. In practice, it is rare for the bank to be relieved of liability due to gross negligence on the part of the user. The authors point out that the assessment of what constitutes gross negligence may change over time"},{"@xml:lang":"sl","#text":"V prispevku je obravnavan sistem porazdelitve odgovornosti za neodobrene plačilne transakcije v primeru zlorab pri uporabi spletnega bančništva. Spletno bančništvo, ki koristi tako potrošnikom kot bankam, namreč odpira prostor za različne oblike spletnih zlorab. Načini spletnih zlorab se hitro razvijajo in prilagajajo novim razmeram ter priložnostim na trgu. V skladu z Zakonom o plačilnih storitvah, storitvah izdajanja elektronskega denarja in plačilnih sistemih (ZPlaSSIED) za škodo, nastalo zaradi neodobrene plačilne transakcije, primarno odgovarja banka. Poglavitna izjema od tega pravila velja, kadar uporabniku spletnega bančništva lahko očitamo naklep ali hudo malomarnost, zaradi česar se odgovornost z banke prevali na uporabnika. Huda malomarnost se presoja glede na pričakovano ravnanje manj skrbnega uporabnika spletnega bančništva. Če je uporabnik potrošnik, je presoja potrebne skrbnosti dodatno pogojena z idejo varstva šibkejše stranke. Razbremenitev banke zaradi hude malomarnosti uporabnika je v praksi redka. Avtorja ob tem opozarjata, da se ocena, kaj pomeni hudo malomarnost, lahko skozi čas spreminja"}],"edm:type":"TEXT","dc:type":[{"@xml:lang":"sl","#text":"znanstveno časopisje"},{"@xml:lang":"en","#text":"journals"},{"@rdf:resource":"http://www.wikidata.org/entity/Q361785"}]},"ore:Aggregation":{"@rdf:about":"http://www.dlib.si/?URN=URN:NBN:SI:doc-R874AGUA","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:doc-R874AGUA"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:doc-R874AGUA/7539cb1b-1de9-4087-aa2a-ccb3eae52b14/PDF"},"edm:rights":{"@rdf:resource":"http://rightsstatements.org/vocab/InC/1.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:dataProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:doc-R874AGUA/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:doc-R874AGUA"}}}}