{"id":241,"date":"2022-11-25T10:54:48","date_gmt":"2022-11-25T10:54:48","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=241"},"modified":"2022-11-25T10:54:48","modified_gmt":"2022-11-25T10:54:48","slug":"polovina-ceskych-a-slovenskych-pojistoven-neumoznuje-zaplatit-online","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=241","title":{"rendered":"Polovina \u010desk\u00fdch a slovensk\u00fdch poji\u0161\u0165oven neumo\u017e\u0148uje zaplatit online"},"content":{"rendered":"<p><strong>P\u0159\u00edv\u011btiv\u00fd online z\u00e1kaznick\u00fd servis je pro z\u00e1kazn\u00edky \u010desk\u00fdch a slovensk\u00fdch poji\u0161\u0165oven st\u00e1le d\u016fle\u017eit\u011bj\u0161\u00ed. Z pr\u016fzkum spole\u010dnosti Trask ale vypl\u00fdv\u00e1, \u017ee nejv\u011bt\u0161\u00ed poji\u0161\u0165ovny na \u010desk\u00e9m a slovensk\u00e9m trhu maj\u00ed v digitalizaci onboardovac\u00edch slu\u017eeb pro klienty z\u00e1va\u017en\u00e9 nedostatky.\u00a0 V n\u011bkter\u00fdch ohledech ty \u010desk\u00e9 zaost\u00e1vaj\u00ed za slovensk\u00fdmi. Polovina slovensk\u00fdch poji\u0161\u0165oven umo\u017e\u0148uje p\u0159ihl\u00e1sit se do klientsk\u00fdch z\u00f3n p\u0159es Google \u00fa\u010det, v \u010cesku ani jedna.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>Pr\u016fzkum spole\u010dnosti Trask mezi poji\u0161\u0165ovnami se zam\u011b\u0159il na p\u0159ehlednost str\u00e1nky p\u0159ed vstupem do port\u00e1lu, rozsah po\u017eadovan\u00fdch dat pro vytvo\u0159en\u00ed z\u00e1kaznick\u00e9ho \u00fa\u010dtu, povinnost r\u016fzn\u00fdch souhlas\u016f, varianty registrace za mo\u017en\u00e9ho vyu\u017eit\u00ed BankID \u010di Google \u00fa\u010dtu a celkovou u\u017eivatelskou p\u0159\u00edv\u011btivost p\u0159i vytv\u00e1\u0159en\u00ed registrace.<\/p>\n<p>\u201c<em>Onboarding klienta do klientsk\u00e9 z\u00f3ny je jedn\u00edm ze z\u00e1kladn\u00edch kamen\u016f jej\u00edho \u00fasp\u011bchu. Pokud je onboarding rychl\u00fd, jednoduch\u00fd a nab\u00edz\u00ed u\u017eivatel\u016fm intuitivn\u00ed pr\u016fchod, pak \u0161ance na to, \u017ee klient bude z\u00f3nu r\u00e1d pou\u017e\u00edvat, v\u00fdrazn\u011b roste,<\/em>\u201d \u0159\u00edk\u00e1 <strong>Business Consultant spole\u010dnosti Trask Vojt\u011bch Bat\u011bk <\/strong>s t\u00edm, \u017ee tr\u017en\u00edm standardem je z\u0159\u00edzen\u00ed klientsk\u00e9ho \u00fa\u010dtu do jednoho dne od doby, kdy se lid\u00e9 stanou klienty poji\u0161\u0165oven. \u201c<em>Objevila se ale i poji\u0161\u0165ovna, kde onboarding do z\u00f3ny trval cel\u00e9 t\u0159i t\u00fddny. Zaj\u00edmavost\u00ed je, \u017ee na slovensk\u00e9m trhu je u dvou ze \u010dty\u0159 poji\u0161\u0165oven nutn\u00e1 osobn\u00ed n\u00e1v\u0161t\u011bva pobo\u010dky poji\u0161\u0165ovny pro zp\u0159\u00edstupn\u011bn\u00ed v\u0161ech funkc\u00ed klientsk\u00e9 z\u00f3ny,<\/em>\u201d dod\u00e1v\u00e1 <strong>Bat\u011bk<\/strong>.<\/p>\n<p><strong>\u201cMobile first\u201d neplat\u00ed<\/strong><\/p>\n<p>K propisu dat do klientsk\u00fdch z\u00f3n poji\u0161\u0165oven ale v\u011bt\u0161inou doch\u00e1z\u00ed s jednodenn\u00edm a\u017e v\u00edcedenn\u00edm zpo\u017ed\u011bn\u00ed. \u201c<em>Zde vid\u00edme prostor pro posun k opravdu rychl\u00e9 online komunikaci s klientem, v\u010detn\u011b prezentace aktu\u00e1ln\u00edch dat, nikoliv a\u017e n\u011bkolik dn\u00ed star\u00fdch. Zar\u00e1\u017eej\u00edc\u00ed je tak\u00e9 fakt, \u017ee pouze jedna z p\u011bti sledovan\u00fdch \u010desk\u00fdch poji\u0161\u0165oven umo\u017e\u0148uje vyu\u017eit\u00ed BankID pro p\u0159ihl\u00e1\u0161en\u00ed do klientsk\u00e9 z\u00f3ny,<\/em>\u201d \u0159\u00edk\u00e1 <strong>Bat\u011bk<\/strong>.<\/p>\n<p>Trask tak\u00e9 porovn\u00e1val aktivity v klientsk\u00fdch z\u00f3n\u00e1ch \u010desk\u00fdch a slovensk\u00fdch poji\u0161\u0165oven. K hodnot\u00edc\u00edm krit\u00e9ri\u00edm pat\u0159ily dostupnost informac\u00ed v hlavn\u00edm p\u0159ehledu, mo\u017enosti \u00fahrady pojistn\u00e9ho, nahl\u00e1\u0161en\u00ed \u0161kody, spr\u00e1va klientsk\u00fdch \u00fadaj\u016f, mo\u017enosti zm\u011bn smluv, zp\u016fsoby komunikace s poji\u0161\u0165ovnou a u\u017eivatelsk\u00e1 p\u0159\u00edv\u011btivost. \u201c<em>V digit\u00e1ln\u00edm sv\u011bt\u011b nem\u00e1 z\u00e1kazn\u00edk trp\u011blivost na hled\u00e1n\u00ed v \u0159\u00e1du des\u00edtek sekund, nechce, aby se mu jednotliv\u00e9 str\u00e1nky zdlouhav\u011b na\u010d\u00edtaly. Zjistili jsme, \u017ee poji\u0161\u0165ovny maj\u00ed v digit\u00e1ln\u00edm komfortu klientsk\u00fdch z\u00f3n velk\u00fd prostor ke zlep\u0161en\u00ed. Polovina z nich neumo\u017e\u0148uje zaplatit poji\u0161t\u011bn\u00ed online. Pokud ano, pak nej\u010dast\u011bji QR k\u00f3dem a platebn\u00ed br\u00e1nou. Jedna poji\u0161\u0165ovna vyu\u017e\u00edv\u00e1 Google Pay. Mobiln\u00ed aplikaci pou\u017e\u00edv\u00e1 jen polovina poji\u0161\u0165oven, trend \u201cmobile first\u201d zat\u00edm v poji\u0161\u0165ovnictv\u00ed neplat\u00ed,<\/em>\u201d \u0159\u00edk\u00e1 <strong>Bat\u011bk z Trasku<\/strong> s t\u00edm, \u017ee z klientsk\u00fdch z\u00f3n nemaj\u00ed radost cizinci, proto\u017ee jen dv\u011b z deseti poji\u0161\u0165oven nab\u00edzej\u00ed mo\u017enost p\u0159epnout klientskou z\u00f3nu do jin\u00e9 jazykov\u00e9 mutace.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>P\u0159\u00edv\u011btiv\u00fd online z\u00e1kaznick\u00fd servis je pro z\u00e1kazn\u00edky \u010desk\u00fdch a slovensk\u00fdch poji\u0161\u0165oven st\u00e1le d\u016fle\u017eit\u011bj\u0161\u00ed. Z pr\u016fzkum spole\u010dnosti Trask ale vypl\u00fdv\u00e1, \u017ee nejv\u011bt\u0161\u00ed poji\u0161\u0165ovny na \u010desk\u00e9m a <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=241\" title=\"Polovina \u010desk\u00fdch a slovensk\u00fdch poji\u0161\u0165oven neumo\u017e\u0148uje zaplatit online\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":242,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/241","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=241"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/241\/revisions"}],"predecessor-version":[{"id":243,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/241\/revisions\/243"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/242"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}