{"id":169915,"date":"2026-08-05T21:06:11","date_gmt":"2026-08-05T21:06:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/169915\/"},"modified":"2026-08-05T21:06:11","modified_gmt":"2026-08-05T21:06:11","slug":"komercni-banka-hlasi-narust-podvodu-s-kartami-a-platbami-o-41-procent","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/169915\/","title":{"rendered":"Komer\u010dn\u00ed banka hl\u00e1s\u00ed n\u00e1r\u016fst podvod\u016f s kartami a platbami o 41 procent"},"content":{"rendered":"

V leto\u0161n\u00edm prvn\u00edm pololet\u00ed \u010delili klienti Komer\u010dn\u00ed banky<\/a> (KB) v\u00fdrazn\u011b vy\u0161\u0161\u00edmu po\u010dtu kybernetick\u00fdch \u00fatok\u016f. Oproti stejn\u00e9mu obdob\u00ed roku 2025 vzrostl po\u010det podvod\u016f u plateb a platebn\u00edch karet o 41 procent. Jak dnes novin\u00e1\u0159\u016fm sd\u011blil expert na kyberbezpe\u010dnost KB Pavel \u0160a\u0161ek, hodnota podvodn\u00fdch transakc\u00ed se zhruba zdvojn\u00e1sobila. P\u0159esn\u00e9 absolutn\u00ed \u010d\u00e1stky v\u0161ak banka nezve\u0159ejnila.<\/p>\n

P\u0159i detailn\u011bj\u0161\u00edm pohledu na data se po\u010det napaden\u00fdch platebn\u00edch karet meziro\u010dn\u011b zv\u00fd\u0161il o 33 procent, p\u0159i\u010dem\u017e hodnota t\u011bchto karetn\u00edch podvod\u016f stoupla o 80 procent. V p\u0159\u00edpad\u011b platebn\u00edho styku narostl po\u010det napaden\u00fdch klient\u016f o 49 procent a hodnota transakc\u00ed se zde v\u00edce ne\u017e zdvojn\u00e1sobila.<\/p>\n

Nov\u00e9 taktiky podvodn\u00edk\u016f a fale\u0161n\u00ed kur\u00fd\u0159i<\/p>\n

Banka i p\u0159es rostouc\u00ed po\u010dty \u00fatok\u016f dok\u00e1\u017ee velkou \u010d\u00e1st prost\u0159edk\u016f ochr\u00e1nit. \u201eZa prvn\u00ed pololet\u00ed jsme klient\u016fm zachr\u00e1nili n\u011bkolik set milion\u016f korun,\u201c uvedl \u0160a\u0161ek. Z\u00e1rove\u0148 ale varuje, \u017ee sc\u00e9n\u00e1\u0159e \u00fato\u010dn\u00edk\u016f se velmi rychle m\u011bn\u00ed a zp\u016fsoben\u00e9 \u0161kody rostou. Pokud nap\u0159\u00edklad lid\u00e9 odm\u00edtnou p\u0159ev\u00e9st pen\u00edze na takzvan\u00fd bezpe\u010dn\u00fd \u00fa\u010det, podvodn\u00edk k nim pro hotovost vy\u0161le kur\u00fdra<\/a>. E-\u0161mejdi se tak\u00e9 sna\u017e\u00ed zneu\u017e\u00edt d\u016fv\u011bry v ov\u011b\u0159en\u00ed bank\u00e9\u0159e v aplikaci a tvrd\u00ed, \u017ee k\u00f3d zaslan\u00fd p\u0159es SMS nebo WhatsApp slou\u017e\u00ed ke stejn\u00e9mu \u00fa\u010delu. Banka proto mus\u00ed pr\u016fb\u011b\u017en\u011b m\u011bnit nejen sv\u00e9 technologie, ale i zp\u016fsoby, jak\u00fdmi klienty p\u0159ed hrozbami varuje.<\/p>\n

Nej\u010dast\u011bj\u0161\u00edmi hrozbami u plateb z\u016fst\u00e1vaj\u00ed investi\u010dn\u00ed a krypto<\/a> podvody, kter\u00e9 tvo\u0159\u00ed 48 procent celkov\u00e9 hodnoty podvodn\u00fdch transakc\u00ed. Na druh\u00e9m m\u00edst\u011b je vishing, tedy fale\u0161n\u00e9 telefon\u00e1ty bank\u00e9\u0159\u016f \u010di policist\u016f, s pod\u00edlem 39 procent. U platebn\u00edch karet v\u00e9vod\u00ed statistik\u00e1m phishing (61 procent p\u0159\u00edpad\u016f), jeho\u017e c\u00edlem je z ob\u011bt\u00ed vyl\u00e1kat citliv\u00e9 \u00fadaje jako hesla \u010di \u010d\u00edsla karet. Nov\u011b se objevuj\u00ed i podvody zneu\u017e\u00edvaj\u00edc\u00ed skute\u010dn\u00e9 rezervace ubytov\u00e1n\u00ed nebo v\u00fdzvy k instalaci fale\u0161n\u00fdch bankovn\u00edch aplikac\u00ed<\/a>, ke kter\u00fdm ob\u011b\u0165 mus\u00ed p\u0159ilo\u017eit svou kartu.<\/p>\n

V\u00fdrazn\u00fdm trendem posledn\u00edch m\u011bs\u00edc\u016f je zmi\u0148ovan\u00e9 p\u0159ed\u00e1v\u00e1n\u00ed hotovosti z ruky do ruky. \u00dato\u010dn\u00edk v roli autority (pracovn\u00edk banky, \u010cNB<\/a>, policista nebo investi\u010dn\u00ed poradce) ob\u011b\u0165 p\u0159esv\u011bd\u010d\u00ed, \u017ee sv\u00e9 pen\u00edze mus\u00ed zachr\u00e1nit nebo v\u00fdhodn\u011b investovat. D\u016fv\u011b\u0159iv\u00fd klient vybere statis\u00edce z bankomatu \u010di na pobo\u010dce a na domluven\u00e9m m\u00edst\u011b je p\u0159ed\u00e1 fale\u0161n\u00e9mu kur\u00fdrovi. Ten pro zv\u00fd\u0161en\u00ed d\u016fv\u011bryhodnosti \u010dasto p\u0159edkl\u00e1d\u00e1 pad\u011blan\u00e9 pr\u016fkazy \u010di potvrzen\u00ed o p\u0159evzet\u00ed.<\/p>\n

Stres jako hlavn\u00ed zbra\u0148 \u00fato\u010dn\u00edk\u016f<\/p>\n

Statistiky \u010cesk\u00e9 bankovn\u00ed asociace (\u010cBA) potvrzuj\u00ed, \u017ee probl\u00e9m tr\u00e1p\u00ed cel\u00fd trh. V prvn\u00edm \u010dtvrtlet\u00ed leto\u0161n\u00edho roku stoupl po\u010det \u00fatok\u016f na klienty v\u0161ech tuzemsk\u00fdch bank o \u010dty\u0159i procenta na t\u00e9m\u011b\u0159 24 tis\u00edc. Objem pen\u011bz odcizen\u00fdch e-\u0161mejdy vzrostl v\u00edce ne\u017e dvojn\u00e1sobn\u011b na tak\u0159ka 800 milion\u016f korun, zat\u00edmco \u010d\u00e1stka zachr\u00e1n\u011bn\u00e1 bankami dos\u00e1hla 3,4 miliardy korun.<\/p>\n

Pro\u010d jsou \u00fato\u010dn\u00edci tak \u00fasp\u011b\u0161n\u00ed? Podle psycholo\u017eky Heleny Sov\u00e1kov\u00e9 podvodn\u00edci vyu\u017e\u00edvaj\u00ed p\u0159irozen\u00e9 fungov\u00e1n\u00ed lidsk\u00e9ho mozku v akutn\u00edm stresu. Nejprve u ob\u011bti vyvolaj\u00ed pocit ohro\u017een\u00ed nebo hroz\u00edc\u00ed ztr\u00e1ty, \u010d\u00edm\u017e spust\u00ed silnou emo\u010dn\u00ed reakci. Pot\u00e9 vytvo\u0159\u00ed \u010dasov\u00fd n\u00e1tlak, vystupuj\u00ed v roli autority a \u010dlov\u011bka postupn\u011b izoluj\u00ed od okol\u00ed a informac\u00ed, kter\u00e9 by mu pomohly situaci racion\u00e1ln\u011b zhodnotit. Mozek se v tu chv\u00edli soust\u0159ed\u00ed prim\u00e1rn\u011b na rychl\u00e9 odstran\u011bn\u00ed hrozby a p\u0159est\u00e1v\u00e1 si fakta d\u016fkladn\u011b ov\u011b\u0159ovat. \u201eNejde tedy o hloupost ani nedostatek zku\u0161enost\u00ed. Jde o b\u011b\u017enou reakci mozku na akutn\u00ed stres,\u201c vysv\u011btlila Sov\u00e1kov\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"V leto\u0161n\u00edm prvn\u00edm pololet\u00ed \u010delili klienti Komer\u010dn\u00ed banky (KB) v\u00fdrazn\u011b vy\u0161\u0161\u00edmu po\u010dtu kybernetick\u00fdch \u00fatok\u016f. Oproti stejn\u00e9mu obdob\u00ed roku…\n","protected":false},"author":2,"featured_media":169916,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[11611,67,68,16212,10257,1117,703,24240,259,5618,7148],"class_list":["post-169915","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-banka","tag-business","tag-byznys","tag-ceska-bankovni-asociace","tag-komercni-banka","tag-obet","tag-penize","tag-platebni-karta","tag-podvod","tag-stres","tag-transakce"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117044942466345138","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/169915","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=169915"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/169915\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/169916"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=169915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=169915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=169915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}