Soulad s nařízením DORA: Výzvy pro startupy a doporučení k jejich řešení

This thesis examines the challenges faced by early-stage payment startups in implementing compliance with the Digital Operational Resilience Act and formulates practical recommendations for balancing regulatory demands with limited resources and innovation constraints. The research focuses on payment institutions and electronic money institutions. The theoretical framework draws on the concept of the EU as a regulatory state and the Brussels Effect theory. The methodology combines a systematic literature review with five semi-structured interviews with founders, compliance practitioners and institutional actors across the Czech Republic, Slovakia and Ireland. The thesis identifies five structural critiques of the Regulation from the startup perspective: the late arrival of Level 2 measures, the limited practical reach of the proportionality principle, the third-party contractual burden, the role separation requirement, and the incident reporting infrastructure. The thesis further distinguishes between two entry paths for early-stage compliance and provides a set of practical reference tools covering classification, compliance management, third-party risk, security testing and incident reporting. The findings confirm that DORA compliance is achievable on a seed-stage budget with the right organizational design and early preparation.