{"id":1524,"date":"2023-05-30T06:29:54","date_gmt":"2023-05-30T06:29:54","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1524"},"modified":"2023-05-30T06:29:54","modified_gmt":"2023-05-30T06:29:54","slug":"nejoblibenejsi-bankovni-inovaci-je-platba-qr-kodem","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1524","title":{"rendered":"Nejobl\u00edben\u011bj\u0161\u00ed bankovn\u00ed inovac\u00ed je platba QR k\u00f3dem"},"content":{"rendered":"<p><strong>Platba mobilem, p\u0159ihl\u00e1\u0161en\u00ed do bankovnictv\u00ed otiskem prstu nebo \u00fahrada j\u00eddla v\u00a0restauraci naskenov\u00e1n\u00edm k\u00f3du. Bankovn\u00ed inovace usnad\u0148uj\u00ed manipulaci s\u00a0pen\u011bzi, QR k\u00f3dy pou\u017e\u00edv\u00e1 na placen\u00ed skoro polovina (44 %) \u010cech\u016f. V\u00edcem\u011bnov\u00e9 \u00fa\u010dty vlastn\u00ed 15 % z\u00e1kazn\u00edk\u016f, z\u00a0t\u011bch, kte\u0159\u00ed jej nemaj\u00ed, l\u00e1k\u00e1 jejich zalo\u017een\u00ed p\u0159edev\u0161\u00edm mlad\u00e9 dosp\u011bl\u00e9 mezi 18 a 24 lety. Data vyplynula z\u00a0reprezentativn\u00edho pr\u016fzkumu NMS Market Research pro Raiffeisenbank.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>V\u00a0dne\u0161n\u00ed modern\u00ed dob\u011b se \u017eivot usnad\u0148uj\u00edc\u00ed technologie vyv\u00edj\u00ed rychl\u00fdm tempem. Za posledn\u00edch p\u00e1r let se stalo norm\u00e1ln\u00edm uhradit \u00fatratu v\u00a0obchod\u011b za pomoc\u00ed mobilu nebo odemknout displej pomoc\u00ed skenu tv\u00e1\u0159e. Ani v\u00a0bankovn\u00edm sv\u011bt\u011b se tak pokrok nezastavil. Tou nejvyu\u017e\u00edvan\u011bj\u0161\u00ed bankovn\u00ed technologi\u00ed je platba pomoc\u00ed QR k\u00f3du, tu vyu\u017e\u00edv\u00e1 a\u017e 44 % \u010cech\u016f. Hned po n\u00ed n\u00e1sleduje pr\u00e1v\u011b platba mobilem (33 %) a stejnou m\u011brou je zastoupeno i p\u0159ihla\u0161ov\u00e1n\u00ed do mobiln\u00edho bankovnictv\u00ed otiskem prstu.<\/p>\n<p>Podobn\u00e9 inovace jsou obl\u00edben\u00e9 hlavn\u011b u mlad\u00fdch \u010cech\u016f, pro ty star\u0161\u00ed je p\u0159\u00edjemn\u011bj\u0161\u00ed spravovat sv\u00e9 bankovn\u00ed \u00fa\u010dty tak, jak byli doposud zvykl\u00ed.<\/p>\n<p><em>\u201e\u010ctvrtina \u010cech\u016f \u017e\u00e1dnou z\u00a0inovac\u00ed, jako je platba QR k\u00f3dem nebo placen\u00ed mobilem, nevyu\u017e\u00edv\u00e1 v\u016fbec. Nej\u010dast\u011bji to jsou z\u00e1kazn\u00edci ve v\u011bku mezi 55 a 64 lety a ti se z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm. I tyto skupiny ale d\u00e1vaj\u00ed t\u011bmto technologi\u00edm \u0161anci. Osvojit si alternativn\u00ed metody je toti\u017e snadn\u011bj\u0161\u00ed, ne\u017e se zd\u00e1, nav\u00edc to \u0161et\u0159\u00ed \u010das a klient vy\u0159\u00edd\u00ed v\u0161e z\u00a0pohodl\u00ed domova,\u201c<\/em> p\u0159ipom\u00edn\u00e1 mluv\u010d\u00ed Raiffeisenbank Tereza Kaiser\u0161otov\u00e1.<\/p>\n<p>Mezi bankovn\u00ed speciality pat\u0159\u00ed i v\u00edcem\u011bnov\u00fd \u00fa\u010det. Jedn\u00e1 se o typ produktu, ke kter\u00e9mu se z\u00e1kazn\u00edk dostane p\u0159ehledn\u011b ve sv\u00e9m internetov\u00e9m bankovnictv\u00ed, a pod jedn\u00edm \u010d\u00edslem \u00fa\u010dtu m\u016f\u017ee m\u00edt n\u011bkolik pod\u00fa\u010dt\u016f v\u00a0r\u016fzn\u00fdch m\u011bn\u00e1ch. Pokud mu p\u0159ijde platba, \u010d\u00e1stka se automaticky p\u0159ip\u00ed\u0161e k\u00a0p\u0159\u00edslu\u0161n\u00e9mu pod\u00fa\u010dtu na z\u00e1klad\u011b evidovan\u00e9 m\u011bny. Takov\u00fd typ \u00fa\u010dtu vyu\u017e\u00edv\u00e1 15 % \u010cech\u016f.<\/p>\n<p>V\u011bt\u0161ina (61 %) tento typ produktu nezn\u00e1, ov\u0161em ze skupiny \u010cech\u016f, kte\u0159\u00ed jej nevyu\u017e\u00edvaj\u00ed, by o veden\u00ed takov\u00e9ho \u00fa\u010dtu uva\u017eovala a\u017e \u010dtvrtina. Nej\u010dast\u011bji se jedn\u00e1 o z\u00e1kazn\u00edky ve v\u011bku 18 a\u017e 24 let a \u010dast\u011bji jsou to ti, kte\u0159\u00ed maj\u00ed vysoko\u0161kolsk\u00e9 vzd\u011bl\u00e1n\u00ed. Takov\u00fd typ \u00fa\u010dtu m\u016f\u017ee usnadnit zahrani\u010dn\u00ed transakce a majitel se tak ihned na jednom m\u00edst\u011b dozv\u00ed, jak\u00fdmi finan\u010dn\u00edmi prost\u0159edky a v\u00a0jak\u00fdch m\u011bn\u00e1ch disponuje.<\/p>\n<p><strong><em>O pr\u016fzkumu<\/em><\/strong><\/p>\n<p><em>Pr\u016fzkum provedla agentura NMS Market Research online v\u00a0\u010cesk\u00e9m n\u00e1rodn\u00edm panelu dotazov\u00e1n\u00edm na reprezentativn\u00edm vzorku 1007 respondent\u016f ve v\u011bku 18-65 let.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Platba mobilem, p\u0159ihl\u00e1\u0161en\u00ed do bankovnictv\u00ed otiskem prstu nebo \u00fahrada j\u00eddla v\u00a0restauraci naskenov\u00e1n\u00edm k\u00f3du. Bankovn\u00ed inovace usnad\u0148uj\u00ed manipulaci s\u00a0pen\u011bzi, QR k\u00f3dy pou\u017e\u00edv\u00e1 na placen\u00ed skoro polovina <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1524\" title=\"Nejobl\u00edben\u011bj\u0161\u00ed bankovn\u00ed inovac\u00ed je platba QR k\u00f3dem\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":525,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1524","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\/1524","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=1524"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1524\/revisions"}],"predecessor-version":[{"id":1525,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1524\/revisions\/1525"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/525"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1524"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1524"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}