The Bachelor's thesis deals with the description and distinction of terms "payment instrument" and "electronic money". After the introduction I concentrate on definitions of basic terms, that consequently appear in the thesis, I focus on separation of terms "funds" and "payment instrument". Then I deal with credit cards and electronic banking. In the second part of the thesis I describe electronic money as a subset of funds and the difference between credit card and electronic wallet. Finally I mention future trends of both credit card and electronic wallet systems and I outline the possible development of credit cards
