{"id":557,"date":"2022-12-29T11:44:34","date_gmt":"2022-12-29T11:44:34","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=557"},"modified":"2023-01-02T08:07:20","modified_gmt":"2023-01-02T08:07:20","slug":"ceske-trendy-v-platbach-pro-rok-2023-podle-skip-pay-od-csob","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=557","title":{"rendered":"\u010cesk\u00e9 trendy v platb\u00e1ch pro rok 2023 podle Skip Pay"},"content":{"rendered":"

\u010cesk\u00e9 obchodn\u00edky \u010dek\u00e1 dal\u0161\u00ed z\u00a0t\u011b\u017ek\u00fdch rok\u016f. Ale kde jsou p\u0159ek\u00e1\u017eky, tam vznikaj\u00ed i nov\u00e9 p\u0159\u00edle\u017eitosti. A t\u011bch se \u0159ada z v\u00a0roce 2023 zhmotn\u00ed tak\u00e9 ve sv\u011bt\u011b online i offline plateb. Ty nejzaj\u00edmav\u011bj\u0161\u00ed trendy, kter\u00e9 by m\u011bli obchodn\u00edci sledovat, shrnul Richard Kotrl\u00edk, CEO platebn\u00ed slu\u017eby Skip Pay od \u010cSOB.<\/strong><\/p>\n

<\/p>\n

Dob\u00edrka zdra\u017e\u00ed a obchodn\u00edci j\u00ed budou h\u00e1zet klacky pod nohy<\/strong><\/p>\n

Dob\u00edrka, jedna ze z\u00e1kazn\u00edky nejobl\u00edben\u011bj\u0161\u00edch plateb, ale tak\u00e9 nejdra\u017e\u0161\u00edch pro obchodn\u00edky, ji\u017e dva roky p\u0159e\u017e\u00edv\u00e1 svou ohl\u00e1\u0161enou smrt. Existovat bude pravd\u011bpodobn\u011b i nad\u00e1le, jen se pod tlakem okolnost\u00ed jej\u00ed role zm\u011bn\u00ed. Obchodn\u00edci j\u00ed \u010dasto fand\u00ed jen kv\u016fli tomu, \u017ee pro konzervativn\u011bj\u0161\u00ed z\u00e1kazn\u00edky je \u201emust have\u201c platebn\u00ed metodou. I kv\u016fli rostouc\u00edm logistick\u00fdm n\u00e1klad\u016fm (n\u00e1klady na dob\u00edrku jsou v sou\u010dasnosti zaplaceny mar\u017e\u00ed z\u00a0ka\u017ed\u00e9ho \u010dtvrt\u00e9ho pr\u016fm\u011brn\u00e9ho n\u00e1kupu) v\u0161ak nen\u00ed divu, \u017ee ji z\u00e1rove\u0148 nejr\u016fzn\u011bj\u0161\u00edmi zp\u016fsoby limituj\u00ed. A budou je\u0161t\u011b v\u00edce.<\/p>\n

\u201eDob\u00edrka p\u0159estane b\u00fdt postupn\u011b podporovan\u00e1 u mal\u00fdch z\u00e1silek a bude p\u0159etrv\u00e1vat hlavn\u011b u t\u011bch, jejich\u017e cena se pohybuje v\u00a0\u0159\u00e1dech vy\u0161\u0161\u00edch tis\u00edc nebo desetitis\u00edc korun. A pravd\u011bpodobn\u011b postupn\u011b op\u011bt zdra\u017e\u00ed \u2013 klidn\u011b a\u017e na dvojn\u00e1sobek,\u201c<\/em> domn\u00edv\u00e1 se Richard Kotrl\u00edk, CEO platebn\u00ed slu\u017eby Skip Pay<\/strong>. \u201eObchody z\u00e1rove\u0148 budou samy hledat cesty, jak migrovat z\u00e1kazn\u00edky na nov\u00e9 typy plateb, kter\u00e9 jsou oboustrann\u011b v\u00fdhodn\u011bj\u0161\u00ed. Dob\u00edrku tedy pravd\u011bpodobn\u011b nahrad\u00ed \u201anov\u00e1 dob\u00edrka\u2018, kter\u00e1 bude z\u00a0m\u00e9ho pohledu zalo\u017eena sp\u00ed\u0161e na principu odlo\u017een\u00e9 platby. Z\u00e1kazn\u00edci si tak budou moci zbo\u017e\u00ed p\u0159ed zaplacen\u00edm skute\u010dn\u011b vyzkou\u0161et a ujistit se, \u017ee si ho nechaj\u00ed. Nam\u00edsto \u201afiktivn\u00edho pocitu bezpe\u010d\u00ed\u2018, kter\u00fd dnes p\u0159i placen\u00ed a p\u0159eb\u00edr\u00e1n\u00ed zalepen\u00e9 krabice se zbo\u017e\u00edm za\u017e\u00edvaj\u00ed u klasick\u00e9 dob\u00edrky.\u201c<\/em><\/p>\n

Rozlo\u017een\u00e9 a odlo\u017een\u00e9 platby na vzestupu, letos s\u00a0nov\u00fdm impulsem<\/strong><\/p>\n

Odlo\u017een\u00e9 (kup te\u010f, zapla\u0165 pozd\u011bji) i rozlo\u017een\u00e9 (zapla\u0165 \u010d\u00e1st hned a pozd\u011bji zbytek) platby nep\u0159est\u00e1vaj\u00ed v\u00a0\u010cesku pat\u0159it mezi nejrychleji rostouc\u00ed platebn\u00ed metody. Jejich pod\u00edl je sice st\u00e1le na \u00farovni n\u00edzk\u00fdch jednotek procent, nicm\u00e9n\u011b stoup\u00e1 p\u0159\u00edmo \u00fam\u011brn\u011b mo\u017enostem, kter\u00e9 d\u00e1vaj\u00ed jednotliv\u00ed poskytovatel\u00e9 plateb a samotn\u00ed obchodn\u00edci. A v\u00a0tomto sm\u011bru rok 2022 p\u0159inesl dal\u0161\u00ed z\u00e1sadn\u00ed posuny \u2013 nap\u0159\u00edklad p\u0159\u00edmou integrac\u00ed poskytovatel\u016f t\u011bchto plateb do platebn\u00edch bran. V\u00a0roce 2023 by z\u00e1rove\u0148 mohly z\u00edskat v\u00fdrazn\u011b v\u011bt\u0161\u00ed oblibu nap\u0159\u00ed\u010d cel\u00fdm \u010ceskem \u2013 p\u0159edev\u0161\u00edm d\u00edky sv\u00e9 schopnosti l\u00e9pe pracovat s\u00a0cashflow dom\u00e1cnost\u00ed i chuti obchodn\u00edk\u016f p\u0159in\u00e9st \u010cech\u016fm lep\u0161\u00ed mo\u017enosti pro v\u011bt\u0161\u00ed n\u00e1kupy.<\/p>\n

\u201eOdlo\u017een\u00e9 i rozlo\u017een\u00e9 platby st\u00e1le doh\u00e1n\u00ed ostatn\u00ed platebn\u00ed metody, kter\u00e9 pova\u017eujeme za b\u011b\u017en\u00fd standard. To jim ov\u0161em v\u00a0\u010cesku dalo prostor v\u00fdrazn\u011b l\u00e9pe postavit produkt jako takov\u00fd. V\u00a0p\u0159\u00edpad\u011b Skip Pay je samoz\u0159ejmost\u00ed sjedn\u00e1n\u00ed v\u00a0pr\u016fb\u011bhu n\u011bkolika minut p\u0159es Bank ID, integrace do nejv\u011bt\u0161\u00edch platebn\u00edch bran, kter\u00e9 umo\u017e\u0148uj\u00ed platit odlo\u017een\u011b nebo rozlo\u017een\u011b na naprost\u00e9 v\u011bt\u0161in\u011b v\u00fdznamn\u00fdch obchod\u016f. Ale tak\u00e9 obohacen\u00ed ka\u017ed\u00e9 platby o dal\u0161\u00ed v\u00fdhody,\u201c <\/em>zmi\u0148uje Richard Kotrl\u00edk<\/strong>. \u201ePro ka\u017ed\u00e9ho obchodn\u00edka jejich podpora znamen\u00e1 v\u00a0podstat\u011b jedin\u00e9 \u2013 zv\u00fd\u0161en\u00ed \u0161ance na dokon\u010den\u00ed n\u00e1kupu a zisk loaj\u00e1ln\u011bj\u0161\u00edch z\u00e1kazn\u00edk\u016f. Co\u017e je p\u0159esn\u011b ten d\u016fvod, pro\u010d na n\u011b s\u00e1z\u00ed st\u00e1le \u010dast\u011bji.\u201c<\/em><\/p>\n

Obohacen\u00e9 platby<\/strong><\/p>\n

Moment platby je kl\u00ed\u010dov\u00fd pro vztah e-shopu a z\u00e1kazn\u00edka. Pr\u00e1v\u011b v\u00a0ten okam\u017eik je toti\u017e definitivn\u011b potvrzen z\u00e1jem o uzav\u0159en\u00ed obchodu jako takov\u00e9ho. A je tedy samoz\u0159ejm\u00e9, \u017ee se e-shopu v\u00a0r\u00e1mci tohoto momentu vyplat\u00ed d\u00e1t klientovi co nejv\u00edce benefit\u016f. Jin\u00fdmi slovy \u2013 platbu \u201eobohatit\u201c o dal\u0161\u00ed funkce nebo v\u00fdhody. A\u0165 u\u017e je to cashback, mo\u017enost dopravy zdarma nebo nap\u0159\u00edklad automatick\u00e9 bezplatn\u00e9 prodlou\u017een\u00ed z\u00e1ruky. Ekosyst\u00e9m slu\u017eeb nav\u00e1zan\u00fdch na okam\u017eik platby se bude rozv\u00edjet i v\u00a0p\u0159\u00ed\u0161t\u00edm roce. Pro e-shopy v\u0161ech velikost\u00ed se z\u00a0n\u011bj toti\u017e stane d\u016fle\u017eit\u00e1 konkuren\u010dn\u00ed v\u00fdhoda.<\/p>\n

\u201eJakmile z\u00e1kazn\u00edk plat\u00ed, m\u00e1 smysl mu d\u00e1t dal\u0161\u00ed benefity. V\u00fdrazn\u00fdm zp\u016fsobem to v\u00a0jeho o\u010d\u00edch zlep\u0161uje celkov\u00e9 hodnocen\u00ed e-shopu a zvy\u0161uje \u0161anci, \u017ee p\u0159\u00ed\u0161t\u00ed n\u00e1kup uskute\u010dn\u00ed op\u011bt zde. Pokud s\u00a0ka\u017edou platbou dok\u00e1\u017ee u\u0161et\u0159it des\u00edtky nebo dokonce stovky korun, p\u0159idanou hodnotu tohoto benefitu velice siln\u011b vn\u00edm\u00e1,\u201c <\/em>zmi\u0148uje Richard Kotrl\u00edk<\/strong>. \u201eVid\u00edme to v\u00a0p\u0159\u00edpad\u011b Skip Pay, kter\u00fd p\u0159i platb\u011b automaticky zdarma prodlou\u017e\u00ed z\u00e1ruku o rok a je\u0161t\u011b nakupovan\u00fd produkt na rok pojist\u00ed. To jsou produkty v\u00a0hodnot\u011b i n\u011bkolika tis\u00edc korun a z\u00e1kazn\u00edci je uv\u00e1d\u00ed jako jednu z\u00a0motivac\u00ed, pro\u010d vol\u00ed pr\u00e1v\u011b na\u0161i platebn\u00ed metodu.\u201c<\/em><\/p>\n

Vno\u0159en\u00e9 platby<\/strong><\/p>\n

Vno\u0159en\u00e9 platby (embedded payments) integruj\u00ed mo\u017enost transakce p\u0159\u00edmo do aplikac\u00ed nebo webov\u00fdch str\u00e1nek. V\u00fdrazn\u011b se tak zjednodu\u0161uje samotn\u00fd moment platby \u2013 u\u017eivatel toti\u017e zpravidla nemus\u00ed p\u0159ech\u00e1zet na jinou str\u00e1nku nebo pou\u017e\u00edvat extern\u00ed platebn\u00ed br\u00e1nu. Vno\u0159en\u00e9 platby jsou zn\u00e1m\u00e9 p\u0159edev\u0161\u00edm z\u00a0hern\u00edho pr\u016fmyslu nebo multimedi\u00e1ln\u00edch slu\u017eeb, st\u00e1le \u010dast\u011bji se v\u0161ak budou prosazovat tak\u00e9 v\u00a0chatovac\u00edch aplikac\u00edch nebo e-commerce. Obl\u00edben\u00e9 jsou zejm\u00e9na kv\u016fli sv\u00e9 pohodlnosti a rychlosti, proto\u017ee umo\u017e\u0148uj\u00ed u\u017eivatel\u016fm platit bez nutnosti zad\u00e1vat sv\u00e9 platebn\u00ed \u00fadaje opakovan\u011b p\u0159i ka\u017ed\u00e9m n\u00e1kupu.<\/p>\n

\u201eVno\u0159en\u00e9 platby, umo\u017e\u0148uj\u00edc\u00ed zaplatit na jedno kliknut\u00ed, se pravd\u011bpodobn\u011b v\u00a0p\u0159\u00ed\u0161t\u00edm roce za\u010dnou objevovat na cel\u00e9 \u0159ad\u011b nov\u00fdch web\u016f. Je to ostatn\u011b jedna z\u00a0cest jak v\u00fdrazn\u011b zv\u00fd\u0161it \u0161anci na dokon\u010den\u00ed n\u00e1kupu,\u201c<\/em> zmi\u0148uje Richard Kotrl\u00edk<\/strong>. \u201eA z\u00e1rove\u0148 p\u0159inesou nov\u00e9 n\u00e1roky na bezpe\u010dnost. Pr\u00e1v\u011b rychl\u00e9 placen\u00ed na klik je jednou z\u00a0hlavn\u00edch motivac\u00ed, pro\u010d si lid\u00e9 po\u0159izuj\u00ed samostatn\u00e9 platebn\u00ed karty nebo \u00fa\u010dty ur\u010den\u00e9 v\u00fdhradn\u011b na nakupov\u00e1n\u00ed.\u201c<\/em><\/p>\n

Sni\u017eov\u00e1n\u00ed n\u00e1klad\u016f na transakci a o\u0165uk\u00e1v\u00e1n\u00ed mo\u017enost\u00ed A2A plateb<\/strong><\/p>\n

Obchodn\u00edci budou hledat dal\u0161\u00ed zp\u016fsoby, jak u\u0161et\u0159it. D\u016fle\u017eitou konkuren\u010dn\u00ed v\u00fdhodou jednotliv\u00fdch platebn\u00edch metod se tak stane v\u00fd\u0161e \u00fa\u010dtovan\u00e9ho transak\u010dn\u00edho poplatku, co\u017e d\u00e1 prostor pro nov\u00e9 zp\u016fsoby plateb. Nejsklo\u0148ovan\u011bj\u0161\u00ed jsou A2A (“account-to-account”) platby, kter\u00e9 zcela vypou\u0161t\u00ed prost\u0159edn\u00edka. K\u00a0p\u0159esunu pen\u011bz dojde jednodu\u0161e z\u00a0\u00fa\u010dtu na \u00fa\u010det bez nutnosti pou\u017eit platebn\u00ed karty nebo operov\u00e1n\u00ed s\u00a0hotovost\u00ed.<\/p>\n

\u201eBude zaj\u00edmav\u00e9 sledovat, jak se poda\u0159\u00ed zav\u00e9st A2A platby do b\u011b\u017en\u00e9 obchodn\u00ed praxe. Z\u00a0podstaty se jedn\u00e1 o velice zaj\u00edmav\u00fd transak\u010dn\u00ed model, kter\u00fd m\u00e1 potenci\u00e1l rychle r\u016fst. V\u00a0\u010cesku v\u0161ak m\u016f\u017ee narazit na konzervativn\u00ed z\u00e1kazn\u00edky i obchodn\u00edky,\u201c <\/em>zmi\u0148uje Richard Kotrl\u00edk.<\/strong> \u201eNicm\u00e9n\u011b propojen\u00ed A2A plateb nap\u0159\u00edklad s\u00a0\u00fa\u010dty s\u00a0odlo\u017eenou platbou typu Skip Pay d\u00e1v\u00e1 zcela nov\u00e9 mo\u017enosti \u2013 a to jak na \u00farovni rychlosti, pohodl\u00ed, tak bezpe\u010dnosti.\u201c<\/em><\/p>\n

Nov\u00e1 pravidla bezpe\u010dnosti<\/strong><\/p>\n

Virtu\u00e1ln\u00ed \u00fa\u010dty, virtu\u00e1ln\u00ed karty, jednoduch\u00e1 blokace karty na jedno \u0165uknut\u00ed do telefonu, mo\u017enost okam\u017eit\u011b omezit n\u00e1kupy online, rychl\u00e1 zm\u011bna PIN. A hlavn\u011b \u2013 samostatn\u00e9 karty ur\u010den\u00e9 v\u00fdhradn\u011b na n\u00e1kupy, kter\u00e9 sni\u017euj\u00ed riziko zneu\u017eit\u00ed \u00faspor nebo pen\u011bz d\u016fle\u017eit\u00fdch pro chod dom\u00e1cnosti. To jsou nov\u00e9 trendy v\u00a0bezpe\u010dnosti, kter\u00e9 bude dodr\u017eovat st\u00e1le v\u00edce \u010cech\u016f. Pr\u00e1v\u011b p\u0159\u00ed\u0161t\u00ed rok by mohl b\u00fdt rokem, kdy se druh\u00fdm nejpou\u017e\u00edvan\u011bj\u0161\u00edm \u00fa\u010dtem nestane spo\u0159ic\u00ed, ale \u201eprovozn\u00ed\u201c.<\/p>\n

\u201ePo\u010det \u010cech\u016f, kte\u0159\u00ed se setkali s\u00a0pokusem o podvod, stoup\u00e1. A s\u00a0nimi i ostra\u017eitost. Produkty ur\u010den\u00e9 kdysi p\u0159edev\u0161\u00edm pro technologicky zdatn\u00e9 klienty, jako jsou nap\u0159\u00edklad jednor\u00e1zov\u00e9 virtu\u00e1ln\u00ed karty, se dnes za\u010d\u00ednaj\u00ed t\u011b\u0161it masov\u00e9 oblib\u011b,\u201c <\/em>zmi\u0148uje Richard Kotrl\u00edk. <\/em><\/strong>\u201eA je to mimo jin\u00e9 d\u016fvod, pro\u010d v\u00a0roce 2023 bude poprv\u00e9 nadpolovi\u010dn\u00ed v\u011bt\u0161ina na\u0161ich klient\u016f vyu\u017e\u00edvat sv\u016fj Skip Pay \u00fa\u010det jako preferovanou alternativu ke sv\u00e9mu b\u011b\u017en\u00e9mu bankovn\u00edmu \u00fa\u010dtu.\u201c<\/em><\/p>\n

Outsourcing probl\u00e9m\u016f v\u00a0r\u00e1mci platby<\/strong><\/p>\n

S\u00a0k\u00fdm jsi n\u00e1kup zaplatil, s\u00a0t\u00edm \u0159e\u0161\u00ed\u0161 svou spokojenost. Tak by se zjednodu\u0161en\u011b dala popsat filosofie outsourcingu z\u00e1kaznick\u00e9 cesty. Je to ostatn\u011b jeden z\u00a0d\u016fvod\u016f, pro\u010d ve velk\u00e9m roste z\u00e1jem o prodeje na tr\u017ei\u0161t\u00edch, kter\u00e9 na sebe p\u0159ej\u00edmaj\u00ed kompletn\u00ed zodpov\u011bdnost za platbu, dopravu a p\u0159\u00edpadn\u00e9 reklamace. K\u00a0podobn\u00e9 roli se v\u0161ak dnes hl\u00e1s\u00ed i n\u011bkter\u00e9 platebn\u00ed metody.<\/p>\n

\u201eDok\u00e1\u017eeme za e-shop vy\u0159e\u0161it v\u0161echny rizikov\u00e9 body, kter\u00e9 s\u00a0n\u00e1kupem souvis\u00ed. A to je v\u00a0dob\u011b, kdy jsou z\u00e1kazn\u00edci velice h\u00e1kliv\u00ed na chyby, velice zaj\u00edmav\u00fd benefit. Se Skip Pay pro e-shop pokryjeme pohodlnou platbu, automatick\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed zdarma, prodlou\u017een\u00ed z\u00e1ruky, ale tak\u00e9 snadn\u00e9 vracen\u00ed zbo\u017e\u00ed na p\u00e1r \u0165uknut\u00ed,\u201c<\/em> zmi\u0148uje Richard Kotrl\u00edk. <\/em><\/strong>\u201eE-shop nav\u00edc nikdy nedr\u017e\u00ed z\u00e1kaznick\u00e9 pen\u00edze, \u010d\u00edm\u017e se vyh\u00fdb\u00e1 tomu nejsiln\u011bj\u0161\u00edmu reputa\u010dn\u00edmu riziku \u2013 tedy \u017ee nedod\u00e1 zbo\u017e\u00ed a s\u00a0vracen\u00edm pen\u011bz bude ot\u00e1let.\u201c<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u010cesk\u00e9 obchodn\u00edky \u010dek\u00e1 dal\u0161\u00ed z\u00a0t\u011b\u017ek\u00fdch rok\u016f. Ale kde jsou p\u0159ek\u00e1\u017eky, tam vznikaj\u00ed i nov\u00e9 p\u0159\u00edle\u017eitosti. A t\u011bch se \u0159ada z v\u00a0roce 2023 zhmotn\u00ed tak\u00e9 ve […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":559,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-557","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\/557","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=557"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/557\/revisions"}],"predecessor-version":[{"id":575,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/557\/revisions\/575"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/559"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=557"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=557"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}