This diploma thesis deals with the topic of core banking systems. The main objective is to analyze the implementation of the SEPA payments into the payment module. The theoretical part defines the concept of core banking systems and its history. It also compares conventional approaches to core banking systems with Islamic ones. The theoretical part also includes chapters about implementation approaches, the most common challenges in implementation and architecture of core banking systems. Next part of thesis is about the basic modules of core banking systems. The practical part is about the analysis of requirements on core banking systems. Especially the requirements that are mandatory from legislation perspective. These are SEPA payments, PSD2 and instant payments. Gap analysis is used as the main method. We chose SEPA payment implemetation as the requirement that we will analyse. There are two possible solutions that can be used. The first one is the customization of the current payment module and the second solution is implementation of the payment hub. The conclusion of the thesis focuses on the best solution for each of two types of bank institutions. The main acquisition of the thesis is the recommended solution for two different types of banks. And second of all, the conclusions which was founded in this thesis should be used for another requirements such as PSD2, the introduction of instant payments, and more.

Darbe nagrinėjami šiuo metu rinkoje naudojami elektroninių atsiskaitymų modeliai ir jų saugumo problemos. Kadangi elektroninių transakcijų metu operuojama svarbiais ir konfidencialiais duomenimis, aukštesnio saugumo lygio užtikrinimo problema visada išlieka itin aktuali. Darbe išnagrinėtos dažniausiai sutinkamos elektroninių atsiskaitymų schemos (tiesioginis atsiskaitymas ir atsiskaitymas per Paypal sistemą), jų saugumo užtikrinimo principai, technikos ir spragos. Atsižvelgiant į dabartinius rinkos poreikius ir informacijos saugumo spragas šiuo metu naudojamuose modeliuose, suprojektuotas aukštesnio saugumo lygio elektroninių atsiskaitymų modelis ir realizuotas šio sprendimo prototipas. Šio prototipo projektas ir realizacija gali būti naudojamos kaip rekomendacijos kūrėjams, tobulinantiems elektroninių atsiskaitymų modelių saugumą. / The work deals with electronic payment models used in the market and their security problems. As electronic transactions operate with important and confidential data, ensuring higher level of security is always an actual issue. The study generally concerns the main electronic payment schemes (direct payment and payment through Paypal), their safety principles, technical decisions and security ensuring gaps. Considering the current market needs and information security gaps in current eCommerce models, a new, ensuring higher level of security in electronic payments, model was designed and a prototype of this decision was implemented. The prototype design and implementation may be used as recommendations for developers, improving electronic payment security models.