{"id":1471,"date":"2023-05-19T05:24:03","date_gmt":"2023-05-19T05:24:03","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1471"},"modified":"2023-05-19T05:24:03","modified_gmt":"2023-05-19T05:24:03","slug":"air-bank-vstupuje-do-segmentu-uctu-pro-zivnostniky","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1471","title":{"rendered":"Air Bank vstupuje do segmentu \u00fa\u010dt\u016f pro \u017eivnostn\u00edky"},"content":{"rendered":"<p style=\"font-weight: 400\"><strong>P\u0159\u00edstup \u010desk\u00fdch bank neodpov\u00edd\u00e1 podle 51 % \u017eivnostn\u00edk\u016f jejich pot\u0159eb\u00e1m, zjistil pr\u016fzkum IPSOS pro Air Bank. Banka proto s \u017eivnostn\u00edky d\u016fkladn\u011b probrala, jak m\u00e1 podle nich vypadat ten nejlep\u0161\u00ed bankovn\u00ed \u00fa\u010det, a p\u0159ich\u00e1z\u00ed s unik\u00e1tn\u00edm \u0159e\u0161en\u00edm. <\/strong><!--more--><\/p>\n<p style=\"font-weight: 400\">Podnikatelsk\u00fd \u00fa\u010det Air Bank zahrnuje ve\u0161ker\u00e9 slu\u017eby, kter\u00e9 od n\u011bj podnikatel vy\u017eaduje, a\u0165 se jedn\u00e1 o mo\u017enost spravovat sv\u00e9 \u00fa\u010dty v mobiln\u00ed aplikaci, neomezen\u00e9 p\u0159\u00edchoz\u00ed a\u00a0odchoz\u00ed platby, anebo \u00fa\u010dty veden\u00e9 v eurech a dolarech. To v\u0161e zdarma a bez nutnosti volit z r\u016fzn\u00fdch bal\u00ed\u010dk\u016f slu\u017eeb. Air Bank nav\u00edc podnikatel\u016fm poskytne i spo\u0159ic\u00ed \u00fa\u010det s aktu\u00e1ln\u011b nejvy\u0161\u0161\u00edm \u00farokem na trhu a do konce roku nab\u00eddce bezplatnou fakturaci propojenou s bankovn\u00edm \u00fa\u010dtem.<\/p>\n<p style=\"font-weight: 400\"><em>\u201eBankovnictv\u00ed pro podnikatele trp\u00ed podobn\u00fdmi neduhy jako bankovnictv\u00ed pro b\u011b\u017en\u00e9 klienty p\u0159ed dvan\u00e1cti lety. St\u00e1le v n\u011bm p\u0159e\u017e\u00edvaj\u00ed poplatky za veden\u00ed \u00fa\u010dtu, nep\u0159ehledn\u00e9 bal\u00ed\u010dky slu\u017eeb nebo omezen\u00e9 po\u010dty plateb, p\u0159i\u010dem\u017e ka\u017ed\u00e1 dal\u0161\u00ed je zpoplatn\u011bn\u00e1. V\u00fdsledkem tohoto p\u0159\u00edstupu je nespokojen\u00e1 polovina podnikatel\u016f. Chceme proto zm\u011bnit bankovnictv\u00ed pro podnikatele stejn\u011b, jako se n\u00e1m to poda\u0159ilo ve sv\u011bt\u011b osobn\u00edch \u00fa\u010dt\u016f. Tedy tak, aby v n\u011bm na\u0161i klienti mohli jednodu\u0161e a bez absurdn\u00edch poplatk\u016f vy\u0159e\u0161it v\u0161e, co skute\u010dn\u011b pot\u0159ebuj\u00ed. V\u011b\u0159\u00edm, \u017ee d\u00edky tomu op\u011bt dok\u00e1\u017eeme, \u017ee i banku mohou m\u00edt lid\u00e9 r\u00e1di,\u201c\u00a0<\/em>\u0159\u00edk\u00e1\u00a0<strong>Michal Strcula<\/strong>, gener\u00e1ln\u00ed \u0159editel Air Bank.<\/p>\n<p style=\"font-weight: 400\"><strong>Jak vypad\u00e1 nejlep\u0161\u00ed bankovn\u00ed \u00fa\u010det pro podnikatele?<\/strong><\/p>\n<p style=\"font-weight: 400\">Pr\u00e1v\u011b na to se Air Bank prost\u0159ednictv\u00edm v\u00fdzkumn\u00e9 agentury IPSOS zeptala p\u0159\u00edmo samotn\u00fdch \u017eivnostn\u00edk\u016f. Ti sice hodnot\u00ed p\u0159\u00edstup bank v\u016f\u010di jejich pot\u0159eb\u00e1m l\u00e9pe ne\u017e nap\u0159\u00edklad p\u0159\u00edstup st\u00e1tu, p\u0159esto je s n\u00edm spokojen\u00e1 jen polovina z nich. Ne\u010dekaj\u00ed p\u0159itom \u017e\u00e1dn\u00e9 speci\u00e1ln\u00ed slu\u017eby, ke kter\u00fdm nemaj\u00ed ostatn\u00ed klienti p\u0159\u00edstup, ale pr\u00e1v\u011b naopak. Jednodu\u0161e nevid\u00ed d\u016fvod, pro\u010d by v bankovnictv\u00ed pro podnikatele m\u011bli nar\u00e1\u017eet na zbyte\u010dn\u00e9 p\u0159ek\u00e1\u017eky. Air Bank proto klient\u016fm z \u0159ad \u017eivnostn\u00edk\u016f poskytne v jedin\u00e9m bal\u00ed\u010dku zdarma v\u0161e, co by sami nejv\u00edce ocenili:<\/p>\n<ul style=\"font-weight: 400\">\n<li><strong>Veden\u00ed podnikatelsk\u00e9ho \u00fa\u010dtu zdarma (70 %)<\/strong><\/li>\n<\/ul>\n<p style=\"font-weight: 400\">Zalo\u017een\u00ed a veden\u00ed \u00fa\u010dtu pro podnikatele je v Air Bank v\u017edy zdarma. P\u0159i zakl\u00e1d\u00e1n\u00ed \u00fa\u010dtu nav\u00edc klientovi m\u00edsto vypl\u0148ov\u00e1n\u00ed \u00fadaj\u016f souvisej\u00edc\u00edch s jeho podnik\u00e1n\u00edm sta\u010d\u00ed jen zadat sv\u00e9 identifika\u010dn\u00ed \u010d\u00edslo osoby neboli I\u010cO. Ve\u0161ker\u00e9 pot\u0159ebn\u00e9 informace o jeho \u017eivnosti se d\u00edky tomu na\u010dtou automaticky, a klient tak m\u016f\u017ee pohodln\u011b p\u0159ej\u00edt k\u00a0sezn\u00e1men\u00ed s pot\u0159ebn\u00fdmi dokumenty, podpisu r\u00e1mcov\u00e9 smlouvy, aktivaci \u00fa\u010dtu a p\u0159\u00edpadn\u011b tak\u00e9 p\u0159id\u00e1n\u00ed sv\u00e9 nov\u00e9 platebn\u00ed karty do aplikace pro bezhotovostn\u00ed placen\u00ed mobilem nebo hodinkami. Zalo\u017eit \u00fa\u010det si podnikatel\u00e9 mohou v\u00a0mobiln\u00ed aplikaci My Air, internetov\u00e9m bankovnictv\u00ed nebo na kter\u00e9koliv pobo\u010dce banky.<\/p>\n<ul style=\"font-weight: 400\">\n<li><strong>Okam\u017eit\u00e9 platby zdarma (57 %)<\/strong><\/li>\n<\/ul>\n<p style=\"font-weight: 400\">P\u0159ev\u00e1d\u011bn\u00ed pen\u011bz z podnikatelsk\u00e9ho \u00fa\u010dtu je v Air Bank z\u00e1le\u017eitost\u00ed n\u011bkolika sekund. Ve\u0161ker\u00e9 p\u0159\u00edchoz\u00ed a odchoz\u00ed tuzemsk\u00e9 transakce, v\u010detn\u011b okam\u017eit\u00fdch plateb na \u00fa\u010dty v\u011bt\u0161iny \u010desk\u00fdch bank, jsou v Air Bank bez poplatk\u016f. Vedle toho jsou samoz\u0159ejm\u011b zdarma tak\u00e9 trval\u00e9 p\u0159\u00edkazy, inkasa nebo SEPA platby.<\/p>\n<ul style=\"font-weight: 400\">\n<li><strong>Neomezen\u00fd po\u010det plateb zdarma (56 %)<\/strong><\/li>\n<\/ul>\n<p style=\"font-weight: 400\">Denn\u00ed, t\u00fddenn\u00ed ani m\u011bs\u00ed\u010dn\u00ed limit bezplatn\u00e9ho po\u010dtu tuzemsk\u00fdch a SEPA transakc\u00ed, a\u0165 u\u017e p\u0159\u00edchoz\u00edch, anebo odchoz\u00edch, klienti u podnikatelsk\u00e9ho \u00fa\u010dtu od Air Bank nenajdou. Mohou s n\u00edm tedy zach\u00e1zet stejn\u011b jako s b\u011b\u017en\u00fdm \u00fa\u010dtem pro osobn\u00ed finance a s pen\u011bzi z podnik\u00e1n\u00ed d\u00edky tomu pracovat tak, jak zrovna pot\u0159ebuj\u00ed.<\/p>\n<ul style=\"font-weight: 400\">\n<li><strong>Ve\u0161ker\u00e9 slu\u017eby dostupn\u00e9 online v mobiln\u00ed aplikaci (51 %)<\/strong><\/li>\n<\/ul>\n<p style=\"font-weight: 400\">O sv\u00fdch pen\u011bz\u00edch z podnik\u00e1n\u00ed maj\u00ed \u017eivnostn\u00edci dokonal\u00fd p\u0159ehled v mobiln\u00ed aplikaci My Air, kter\u00e1 dlouhodob\u011b pat\u0159\u00ed mezi nejl\u00e9pe hodnocen\u00e9 bankovn\u00ed aplikace na \u010desk\u00e9m trhu. Vedle mobiln\u00ed aplikace mohou klienti Air Bank sv\u016fj podnikatelsk\u00fd \u00fa\u010det pohodln\u011b spravovat tak\u00e9 v internetov\u00e9m bankovnictv\u00ed. D\u00edky online bankovnictv\u00ed tak\u00e9 mohou zdarma vyu\u017e\u00edvat nap\u0159\u00edklad import a export hromadn\u00fdch plateb a v\u00fdpis\u016f do \u00fa\u010detn\u00edch program\u016f.<\/p>\n<ul style=\"font-weight: 400\">\n<li><strong>Spo\u0159en\u00ed se stejn\u011b vysok\u00fdm \u00farokem jako pro ostatn\u00ed klienty (39 %)<\/strong><\/li>\n<\/ul>\n<p style=\"font-weight: 400\">Spo\u0159ic\u00ed \u00fa\u010det od Air Bank odm\u011b\u0148uje \u017eivnostn\u00edky stejn\u011b jako nepodnikaj\u00edc\u00ed klienty, a to dokonce aktu\u00e1ln\u011b v\u016fbec nejvy\u0161\u0161\u00ed \u00farokovou sazbou na poli bankovnictv\u00ed pro podnikatele. Bonusov\u00e1 \u00farokov\u00e1 sazba na podnikatelsk\u00fdch spo\u0159ic\u00edch \u00fa\u010dtech od Air Bank veden\u00fdch v \u010desk\u00fdch korun\u00e1ch toti\u017e \u010din\u00ed 5 % ro\u010dn\u011b u vklad\u016f do 250 tis\u00edc korun. Bonusovou sazbu p\u0159itom m\u016f\u017ee z\u00edskat ka\u017ed\u00fd klient, kter\u00fd alespo\u0148 p\u011btkr\u00e1t m\u011bs\u00ed\u010dn\u011b zaplat\u00ed kartou k b\u011b\u017en\u00e9mu podnikatelsk\u00e9mu \u00fa\u010dtu. U vklad\u016f od 250 tis\u00edc do p\u016fl milionu korun plat\u00ed bonusov\u00e1 \u00farokov\u00e1 sazba 4 % ro\u010dn\u011b, u\u00a0vklad\u016f od p\u016fl milionu do jednoho milionu korun potom sazba 0,1 % ro\u010dn\u011b.<\/p>\n<ul style=\"font-weight: 400\">\n<li><strong>Jednoduch\u00fd p\u0159ehled soukrom\u00fdch a podnikatelsk\u00fdch financ\u00ed (34 %)<\/strong><\/li>\n<\/ul>\n<p style=\"font-weight: 400\">Sv\u00e9 pen\u00edze maj\u00ed klienti Air Bank neust\u00e1le pod kontrolou v internetov\u00e9m a mobiln\u00edm bankovnictv\u00ed. V mobiln\u00ed aplikaci My Air si potom mohou jednodu\u0161e p\u0159ep\u00ednat mezi zobrazen\u00edm osobn\u00edch a podnikatelsk\u00fdch financ\u00ed. Aplikace je ale bude brzy um\u011bt zobrazit bez p\u0159ep\u00edn\u00e1n\u00ed, tedy spole\u010dn\u011b na jednom m\u00edst\u011b, ale p\u0159itom st\u00e1le p\u0159ehledn\u011b odd\u011blen\u00e9.<\/p>\n<ul style=\"font-weight: 400\">\n<li><strong>Veden\u00ed podnikatelsk\u00e9ho \u00fa\u010dtu v eurech nebo dolarech zdarma (32 %)<\/strong><\/li>\n<\/ul>\n<p style=\"font-weight: 400\">Klienti Air Bank si mohou zalo\u017eit b\u011b\u017en\u00fd i spo\u0159ic\u00ed \u00fa\u010det pro podnikatele ve t\u0159ech r\u016fzn\u00fdch m\u011bn\u00e1ch, vedle \u010desk\u00fdch korun pr\u00e1v\u011b i v eurech a americk\u00fdch dolarech.<\/p>\n<p style=\"font-weight: 400\"><strong>Co bude d\u00e1l? Fakturace, unik\u00e1tn\u00ed platebn\u00ed \u0159e\u0161en\u00ed i p\u016fj\u010dky<\/strong><\/p>\n<p style=\"font-weight: 400\">Air Bank pl\u00e1nuje sv\u00e9 slu\u017eby pro klienty z \u0159ad podnikatel\u016f nad\u00e1le vylep\u0161ovat a tak\u00e9 roz\u0161i\u0159ovat. Ve sv\u00e9m hled\u00e1\u010dku m\u00e1 proto tak\u00e9 nap\u0159\u00edklad pohodlnou fakturaci propojenou p\u0159\u00edmo s mobiln\u00edm bankovnictv\u00edm nebo p\u016fj\u010dky pro podnikatele.\u00a0<em>\u201eVedle nov\u00fdch \u00fa\u010dt\u016f pro podnikatele chceme je\u0161t\u011b letos p\u0159in\u00e9st zcela nov\u00fd zp\u016fsob placen\u00ed. Ten umo\u017en\u00ed podnikatel\u016fm p\u0159ij\u00edmat platby kartou i bez klasick\u00e9ho platebn\u00edho termin\u00e1lu, zat\u00edmco jejich z\u00e1kazn\u00edci zase budou moci platit bezhotovostn\u011b i tam, kde to zat\u00edm z r\u016fzn\u00fdch d\u016fvod\u016f nejde.<\/em>\u00a0<em>Do budoucna se tak\u00e9 d\u00edv\u00e1me na mo\u017enost poskytov\u00e1n\u00ed slu\u017eeb pr\u00e1vnick\u00fdm osob\u00e1m. V prvn\u00ed \u0159ad\u011b ale bude z\u00e1le\u017eet na z\u00e1jmu klient\u016f o na\u0161e slu\u017eby pro podnikaj\u00edc\u00ed fyzick\u00e9 osoby,\u201c<\/em>\u00a0dod\u00e1v\u00e1\u00a0<strong>Ji\u0159\u00ed Such\u00fd<\/strong>, \u0159editel divize Produkty a inovace Air Bank.<\/p>\n<p style=\"font-weight: 400\"><em>Pr\u016fzkum pro Air Bank realizovala v dubnu 2023 agentura IPSOS prost\u0159ednictv\u00edm online dotazov\u00e1n\u00ed na reprezentativn\u00edm vzorku 525 \u017eivnostn\u00edk\u016f.<\/em><\/p>\n<p style=\"font-weight: 400\">\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>P\u0159\u00edstup \u010desk\u00fdch bank neodpov\u00edd\u00e1 podle 51 % \u017eivnostn\u00edk\u016f jejich pot\u0159eb\u00e1m, zjistil pr\u016fzkum IPSOS pro Air Bank. Banka proto s \u017eivnostn\u00edky d\u016fkladn\u011b probrala, jak m\u00e1 podle <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1471\" title=\"Air Bank vstupuje do segmentu \u00fa\u010dt\u016f pro \u017eivnostn\u00edky\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1474,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1471","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\/1471","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=1471"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1471\/revisions"}],"predecessor-version":[{"id":1475,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1471\/revisions\/1475"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1474"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}