{"id":1348,"date":"2023-04-24T13:08:53","date_gmt":"2023-04-24T13:08:53","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1348"},"modified":"2023-04-24T13:08:53","modified_gmt":"2023-04-24T13:08:53","slug":"cechum-stale-casteji-staci-karta-jen-v-mobilu","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1348","title":{"rendered":"\u010cech\u016fm st\u00e1le \u010dast\u011bji sta\u010d\u00ed karta jen v mobilu"},"content":{"rendered":"<p><strong>Je\u0161t\u011b p\u0159ed dek\u00e1dou bychom si nedovedli p\u0159edstavit \u017eivot bez plastov\u00e9 platebn\u00ed karty v\u00a0pen\u011b\u017eence. Jen\u017ee \u010dasy se m\u011bn\u00ed, a p\u0159esto\u017ee celosv\u011btov\u011b po\u010det vydan\u00fdch karet nad\u00e1le roste, jejich vyu\u017e\u00edvanost nikoli. D\u00edky sv\u00fdm virtu\u00e1ln\u00edm prot\u011bj\u0161k\u016fm, kter\u00e9 je mo\u017en\u00e9 jednodu\u0161e nahr\u00e1t do telefonu nebo chytr\u00fdch hodinek, tak v pen\u011b\u017eence pln\u00ed sp\u00ed\u0161e form\u00e1ln\u00ed funkci. Vypl\u00fdv\u00e1 to z\u00a0v\u00fdzkumu platebn\u00ed slu\u017eby Skip Pay, kter\u00fd realizovala na v\u00edce ne\u017e 1800 respondentech z\u00a0\u0159ad sv\u00fdch klient\u016f.<\/strong><!--more--><\/p>\n<p>Skip Pay pravideln\u011b vyu\u017e\u00edv\u00e1 ji\u017e 130 tis\u00edc lid\u00ed z\u00a0cel\u00e9ho \u010ceska jako b\u011b\u017enou platebn\u00ed slu\u017ebu \u2013 tedy nejen pro n\u00e1kup zbo\u017e\u00ed, ale i b\u011b\u017en\u00e9 ka\u017edodenn\u00ed platby, p\u0159i cestov\u00e1n\u00ed nebo nap\u0159\u00edklad pro \u00fahradu n\u00e1jmu nebo \u00fa\u010dtu za mobiln\u00ed telefon. Z\u00a0tohoto pohledu se tedy jedn\u00e1 o zcela relevantn\u00ed vzorek.<\/p>\n<p>Jak tedy \u00fa\u010dastn\u00edci pr\u016fzkumu plat\u00ed? V\u00fdhradn\u011b plastovou kartu vyu\u017e\u00edv\u00e1 19 % dot\u00e1zan\u00fdch. Kombinaci plastov\u00e9 a virtu\u00e1ln\u00ed 21 %, tedy o trochu v\u00edce ne\u017e p\u011btina. A 60 % ze v\u0161ech respondent\u016f si pak vysta\u010d\u00ed s\u00a0virtu\u00e1ln\u00ed kartou nahranou v\u00a0mobiln\u00edm telefonu nebo hodink\u00e1ch prost\u0159ednictv\u00edm Google Pay, Apple Pay nebo t\u0159eba Garmin Pay a k\u00a0vyu\u017e\u00edv\u00e1n\u00ed plastov\u00e9 karty se vracet nehodl\u00e1.<\/p>\n<p>Toto \u010d\u00edslo nav\u00edc podle v\u0161eho roste u\u017e n\u011bkolik let, a to hned z\u00a0n\u011bkolika d\u016fvod\u016f. Zm\u011bnu n\u00e1vyk\u016f nastartovala covidov\u00e1 pandemie, kdy v\u00fdrazn\u00fdm zp\u016fsobem stoupl po\u010det online transakc\u00ed. Svou roli v\u0161ak hraje tak\u00e9 genera\u010dn\u00ed obm\u011bna \u2013 u\u017eivatel\u016f jako takov\u00fdch i technologi\u00ed.<\/p>\n<p><em>\u201eObecn\u011b plat\u00ed, \u017ee \u010d\u00edm mlad\u0161\u00ed je u\u017eivatel, t\u00edm men\u0161\u00ed m\u00e1 pot\u0159ebu vyu\u017e\u00edvat plastovou kartu. V\u011bkov\u00e1 hranice, kdy si lid\u00e9 vysta\u010d\u00ed s virtu\u00e1ln\u00ed kartou, se posouv\u00e1 st\u00e1le v\u00fd\u0161, nyn\u00ed je ji\u017e n\u011bkolik let nad \u010dty\u0159ic\u00edtkou. Je to logick\u00e9 \u2013 roste penetrace telefon\u016f s\u00a0NFC \u010dte\u010dkami, bezkontaktn\u00ed platebn\u00ed termin\u00e1ly se v\u00a0\u010cesku staly tak\u0159ka standardem a podobn\u011b se roz\u0161i\u0159uje i s\u00ed\u0165 bankomat\u016f, kter\u00e9 umo\u017e\u0148uj\u00ed bezkontaktn\u00ed v\u00fdb\u011bry,\u201c<\/em> uv\u00e1d\u00ed <strong>Richard Kotrl\u00edk, \u0161\u00e9f platebn\u00ed slu\u017eby Skip Pay.<\/strong><\/p>\n<p><strong>Plastov\u00e1 karta u\u017e bez virtu\u00e1ln\u00edho prot\u011bj\u0161ku net\u00e1hne<\/strong><\/p>\n<p>A jak se zd\u00e1, t\u011bm, co si navykli platit virtu\u00e1ln\u011b, ji\u017e kompletn\u00ed odpout\u00e1n\u00ed se od plastu nevad\u00ed. Pouze ka\u017ed\u00fd des\u00e1t\u00fd plat\u00edc\u00ed v\u00fdhradn\u011b s\u00a0virtu\u00e1ln\u00ed kartou by v\u00a0p\u0159\u00edpad\u011b sjedn\u00e1n\u00ed nov\u00e9ho \u00fa\u010dtu vy\u017eadoval i jej\u00ed plastov\u00fd prot\u011bj\u0161ek, p\u0159esto\u017ee by ho n\u00e1sledn\u011b k\u00a0placen\u00ed nevyu\u017e\u00edval.<\/p>\n<p>Pokud by v\u0161ak m\u011blo b\u00fdt vyd\u00e1n\u00ed plastov\u00e9 karty jednor\u00e1zov\u011b zpoplatn\u011bno \u2013 nap\u0159\u00edklad stokorunou \u2013 po\u0159\u00eddilo by si ji pouze 13 % respondent\u016f \u2013 ani ne t\u0159etina z\u00a0t\u011bch, kte\u0159\u00ed dnes pro placen\u00ed pou\u017e\u00edvaj\u00ed v\u00fdhradn\u011b plastovou kartu, a p\u0159ibli\u017en\u011b polovina z\u00a0t\u011bch, kte\u0159\u00ed virtu\u00e1ln\u00ed a plastovou kartu kombinuj\u00ed.<\/p>\n<p><em>\u201eVe v\u00fdsledku se tak ukazuje, \u017ee p\u0159ej\u00edt na platby v\u00fdhradn\u011b pomoc\u00ed virtu\u00e1ln\u00ed karty by nem\u011blo probl\u00e9m vysok\u00e9 procento z\u00a0t\u011bch, kte\u0159\u00ed dnes ob\u011b metody kombinuj\u00ed. \u0158ada lid\u00ed m\u00e1 plastovou kartu skute\u010dn\u011b jen jako ur\u010dit\u00fd druh z\u00e1lohy nebo ji vyu\u017e\u00edv\u00e1 k v\u00fdb\u011br\u016fm z\u00a0bankomat\u016f, kter\u00e9 st\u00e1le nejsou u n\u00e1s i ve sv\u011bt\u011b v\u0161ude bezkontaktn\u00ed. I tato bari\u00e9ra ov\u0161em postupn\u011b odpad\u00e1,\u201c<\/em> uv\u00e1d\u00ed <strong>Richard Kotrl\u00edk. <\/strong><em>\u201eA zaj\u00edmav\u00fd je tak\u00e9 p\u0159\u00edstup ke zpoplatn\u011bn\u00ed \u2013 \u010ce\u0161i si sice i nad\u00e1le mysl\u00ed, \u017ee plastov\u00e1 karta by m\u011bla b\u00fdt zdarma, na druhou stranu sn\u00e1z pochop\u00ed zpoplatn\u011bn\u00ed pr\u00e1v\u011b fyzick\u00e9 karty ne\u017e t\u00e9 virtu\u00e1ln\u00ed.\u201c<\/em><\/p>\n<p><strong>Pohodl\u00ed, bezpe\u010d\u00ed i zbyte\u010dn\u00e9 plasty<\/strong><\/p>\n<p>A jak\u00e9 jsou d\u016fvody, pro\u010d se lid\u00e9 st\u00e1le \u010dast\u011bji rozhoduj\u00ed pro virtu\u00e1ln\u00ed variantu karet? V\u00a0prvn\u00ed \u0159ad\u011b se jedn\u00e1 o pohodl\u00ed \u2013 mo\u017enost platit mobilem, hodinkami nebo jinou elektronikou a potvrzovat transakce pomoc\u00ed biometrick\u00fdch \u00fadaj\u016f m\u00e1 i pro konzervativn\u011bj\u0161\u00ed u\u017eivatele jasnou p\u0159idanou hodnotu.<\/p>\n<p>Slu\u017eby, kter\u00e9 vyd\u00e1vaj\u00ed virtu\u00e1ln\u00ed karty, nav\u00edc v\u011bnuj\u00ed pat\u0159i\u010dnou pozornost jejich jednoduch\u00e9mu ovl\u00e1d\u00e1n\u00ed. Pomoc\u00ed aplikac\u00ed neb\u00fdv\u00e1 probl\u00e9m kartu spravovat, nastavovat jej\u00ed limity, zablokovat ji nebo deaktivovat. A to zejm\u00e9na v\u00a0p\u0159\u00edpad\u011b, kdy dojde k\u00a0podez\u0159en\u00ed na zneu\u017eit\u00ed. Virtu\u00e1ln\u00ed kartu je tak\u00e9 v\u00fdrazn\u011b jednodu\u0161\u0161\u00ed nahradit \u2013 a s\u00a0novou platit okam\u017eit\u011b, bez nutnosti \u010dekat na zasl\u00e1n\u00ed t\u00e9 plastov\u00e9.<\/p>\n<p><em>\u201eOt\u00e1zka bezpe\u010d\u00ed je jeden z\u00a0paradox\u016f, kter\u00fd virtu\u00e1ln\u00ed karty prov\u00e1z\u00ed. Na \u0159adu klient\u016f p\u016fsob\u00ed plastov\u00e1 alternativa bezpe\u010dn\u011bji, p\u0159esto\u017ee ji uschov\u00e1vaj\u00ed tak, \u017ee nen\u00ed probl\u00e9m opsat z\u00a0n\u00ed nap\u0159\u00edklad kompletn\u00ed karetn\u00ed \u00fadaje. A \u0159ada t\u011bch, kte\u0159\u00ed plat\u00ed pomoc\u00ed mobil\u016f nebo hodinek, u\u017e ani p\u0159esn\u011b nev\u00ed, kde doma fyzickou kartu m\u00e1,\u201c <\/em>vysv\u011btluje <strong>Richard<\/strong> <strong>Kotrl\u00edk.<\/strong><\/p>\n<p>Vyu\u017e\u00edv\u00e1n\u00ed virtu\u00e1ln\u00edch karet v\u0161ak nahr\u00e1v\u00e1 je\u0161t\u011b dal\u0161\u00ed motivace \u2013 ekologick\u00e1. Hlavn\u00edm materi\u00e1lem karet je i nad\u00e1le p\u0159edev\u0161\u00edm PVC, ekologick\u00e9 varianty jsou v\u00a0\u010cesku v\u00a0podstat\u011b v\u00fdjimkou. Jako prvn\u00ed ji a\u017e v\u00a0roce 2020 p\u0159edstavila v\u00a0\u010cesku \u010cSOB, a p\u0159esto\u017ee s\u00a0ka\u017edou kartou u\u0161et\u0159\u00ed 3,2 gramu pr\u016fmyslov\u00e9ho plastov\u00e9ho odpadu a sn\u00ed\u017e\u00ed uhl\u00edkovou stopu o 7 gram\u016f oxidu uhli\u010dit\u00e9ho, bezemisn\u00ed virtu\u00e1ln\u00ed kart\u011b se pochopiteln\u011b rovnat nem\u016f\u017ee.<\/p>\n<p><strong>Plast nebo digit\u00e1l? Jde hlavn\u011b o v\u011bk<\/strong><\/p>\n<p>Kdo vyu\u017e\u00edv\u00e1 rad\u011bji v\u00fdhradn\u011b plastov\u00e9 karty<\/p>\n<ul>\n<li>Generace 40+, \u010dast\u011bji \u017eeny<\/li>\n<li>\u010cast\u011bji plat\u00ed v\u00a0kamenn\u00fdch obchodech ne\u017e na e-shopech<\/li>\n<li>Pravideln\u011b vyb\u00edr\u00e1 pen\u00edze z\u00a0bankomatu<\/li>\n<li>Plastovou kartu pova\u017euj\u00ed paradoxn\u011b za bezpe\u010dn\u011bj\u0161\u00ed zp\u016fsob platby<\/li>\n<\/ul>\n<p>Kdo vyu\u017e\u00edv\u00e1 rad\u011bji v\u00fdhradn\u011b virtu\u00e1ln\u00ed karty<\/p>\n<ul>\n<li>Nej\u010dast\u011bji mlad\u00ed do 40 let, \u010dast\u011bji mu\u017ei<\/li>\n<li>Pravideln\u011b m\u011bn\u00ed typ mobiln\u00edho telefonu a z\u00e1le\u017e\u00ed jim na jejich funkc\u00edch<\/li>\n<li>P\u0159est\u00e1v\u00e1 nosit pen\u011b\u017eenku a hotovost nos\u00ed sp\u00ed\u0161e v\u00a0men\u0161\u00edm mno\u017estv\u00ed<\/li>\n<li>Plastovou kartu nech\u00e1vaj\u00ed doma<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Je\u0161t\u011b p\u0159ed dek\u00e1dou bychom si nedovedli p\u0159edstavit \u017eivot bez plastov\u00e9 platebn\u00ed karty v\u00a0pen\u011b\u017eence. Jen\u017ee \u010dasy se m\u011bn\u00ed, a p\u0159esto\u017ee celosv\u011btov\u011b po\u010det vydan\u00fdch karet nad\u00e1le roste, <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1348\" title=\"\u010cech\u016fm st\u00e1le \u010dast\u011bji sta\u010d\u00ed karta jen v mobilu\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1348","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1348","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1348"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1348\/revisions"}],"predecessor-version":[{"id":1350,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1348\/revisions\/1350"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1349"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1348"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1348"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1348"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}