Ir piepild\u012bjusies prognoze, kuru bankas izteica pirms gadiem desmit, piecpadsmit \u2013 skaidra nauda pamaz\u0101m izz\u016bd no m\u016bsu ikdienas, t\u0101s viet\u0101 n\u0101kot digit\u0101liem nor\u0113\u0137iniem. Ja uz 21. gadsimta sliek\u0161\u0146a \u0161\u0101da prognoze var\u0113tu \u0161\u0137ist gandr\u012bz fantastiska, \u0161odien, pat p\u0113rkot di\u013c\u013cu bunt\u012bti tirg\u016b vai sald\u0113jumu pludmal\u0113, \u2013 mon\u0113tas kabat\u0101 vairs nemekl\u0113jam.<\/p>\n
Milz\u012bgo p\u0101rmai\u0146u, kas gadu no gada ir pietuvin\u0101jusi m\u016bs bezskaidras naudas nor\u0113\u0137iniem apliecina statistika: Swedbank POS termin\u0101\u013cu apgroz\u012bjums \u0161\u012b gada pirmaj\u0101 pusgad\u0101 sasniedza rekordaugstu apjomu \u2013 1,3 miljardus eiro (p\u0113rn \u0161aj\u0101 laik\u0101 bija par 100 miljoniem eiro maz\u0101k).<\/p>\n
Skaidras naudas apjoms sar\u016bk gadu no gada<\/p>\n
Skaidras naudas apjoms, ko viens Latvijas iedz\u012bvot\u0101js izmanto ned\u0113\u013cas laik\u0101, \u0161\u012b gad\u0101 s\u0101kum\u0101 bija tikai 22 % no kopapjoma, liecina Latvijas Bankas Maks\u0101jumu radara dati . Pirms pieciem gadiem tie bija 36 %, bet 2017. gada s\u0101kum\u0101 \u2013 pat 42 %. Nepilnas desmitgades laik\u0101 skaidr\u0101s naudas apjoms iedz\u012bvot\u0101ju nor\u0113\u0137inos ir samazin\u0101jies aptuveni uz pusi. No 14 maks\u0101jumiem, ko viens cilv\u0113ks vid\u0113ji veic ned\u0113\u013cas laik\u0101, 11 maks\u0101jumi tiek veikti ar bezskaidru naudu. Saprotot milz\u012bgo p\u0101rmai\u0146u cilv\u0113ku ikdienas paradumos, tirgot\u0101ji un bankas pied\u0101v\u0101 jaunus un \u0113rt\u0101kus veidus dro\u0161iem nor\u0113\u0137iniem \u2013 popul\u0101rajiem kar\u0161u maks\u0101jumiem, \u0161odien aizvien bie\u017e\u0101k blakus st\u0101jas ar\u012b maks\u0101jumi ar digit\u0101laj\u0101m ier\u012bc\u0113m. Ja l\u012bdzi ir telefons vai viedpulkstenis, nav vajadz\u012bgs ne maks, ne karte.L\u012bdz\u0101s digit\u0101lajiem maks\u0101jumiem, ar\u012b skaidrai naudai ir un b\u016bs sava vieta m\u016bsu ikdienas nor\u0113\u0137inos, it \u012bpa\u0161i \u0146emot v\u0113r\u0101 eso\u0161os \u0123eopolitiskos apst\u0101k\u013cus. Tom\u0113r blaknes, ko skaidras naudas izmanto\u0161ana rada iedz\u012bvot\u0101jiem un uz\u0146\u0113m\u0113jiem, liek no t\u0101s pamaz\u0101m atteikties ikdienas nor\u0113\u0137inos.<\/p>\n
Digit\u0101lie pirkumi \u2013 izplat\u012bt\u0101ki un apjom\u012bg\u0101ki<\/p>\n
\u0160\u012b gada pirmaj\u0101 pusgad\u0101 digit\u0101lo nor\u0113\u0137inu apgroz\u012bjums ar t.s. e-makiem (Apple Pay, Google Pay u.tml.) Latvij\u0101 p\u0101rsniedza 1 miljardu eiro, kas ir par 20 % vair\u0101k, nek\u0101 2024. gada pirmajos se\u0161os m\u0113ne\u0161os, liecina Swedbank statistika. Gada laik\u0101 ir pieaugusi ar\u012b vid\u0113j\u0101 viena maks\u0101juma summa, izmantojot e-makus no 16,3 eiro p\u0113rn l\u012bdz 17,4 eiro \u0161ogad. Cilv\u0113ki akt\u012bv\u0101k iep\u0113rkas tie\u0161saist\u0113 un katra pirkuma vid\u0113jais apjoms pieaug katru gadu \u2013 ja p\u0113rn pirmaj\u0101 pusgad\u0101 e-maku nor\u0113\u0137inu apgroz\u012bjums tie\u0161saist\u0113 bija 355 miljoni eiro, \u0161ogad tie bija jau 448 miljoni eiro, jeb par 26 % vair\u0101k. B\u016btisks apgroz\u012bjuma k\u0101pums (+ 17 %) bijis ar\u012b ar e-maku nor\u0113\u0137iniem POS termin\u0101\u013cos.Ar\u012b ar maks\u0101jumu kart\u0113m cilv\u0113ki nor\u0113\u0137in\u0101s liel\u0101k\u0101 apjom\u0101 un ieg\u0101d\u0101jas v\u0113rt\u012bg\u0101kus pirkumus \u2013 vid\u0113jais dar\u012bjumu skaits vienam cilv\u0113kam gada laik\u0101 ir pieaudzis par 12 %, bet apgroz\u012bjums k\u0101pis par 14 %. Tie\u0161i pret\u0113ja ir statistika par tirgot\u0101ju skaidras naudas iemaks\u0101m bankom\u0101tos \u2013 Swedbank t\u012bkl\u0101 \u0161\u012b gada pirmajos se\u0161os m\u0113ne\u0161os iemaks\u0101ti 168 miljoni eiro, bet p\u0113rn analo\u0123isk\u0101 laika period\u0101 tie bija teju 180 miljoni eiro.<\/p>\n
Tenden\u010du p\u0101rzin\u0101\u0161ana pal\u012bdz veidot ilgtermi\u0146a saikni ar klientiem<\/p>\n
Cilv\u0113ku ikdienas paradumu mai\u0146a motiv\u0113 tirgot\u0101jus un bankas pied\u0101v\u0101t jaunus risin\u0101jumus nor\u0113\u0137inu veik\u0161anai. T\u0101di inovat\u012bvi nor\u0113\u0137inu produkti k\u0101, piem\u0113ram, Mastercard Click to Pay izriet no svar\u012bg\u0101kaj\u0101m tendenc\u0113m \u0161aj\u0101 jom\u0101: strauj\u0161 e-maku apgroz\u012bjuma k\u0101pums e-komercij\u0101, it \u012bpa\u0161i gados jaunu cilv\u0113ku auditorij\u0101; pieaugo\u0161s dar\u012bjumu apjoms tie\u0161saist\u0113 (vid\u0113j\u0101 dar\u012bjumu v\u0113rt\u012bba kop\u0161 2020. gada ir divk\u0101r\u0161ojusies); k\u0101 ar\u012b gadu no gada pieaugo\u0161a maks\u0101juma kar\u0161u popularit\u0101te.M\u016bsu pieredze r\u0101da, ka nor\u0113\u0137inu \u0113rtums un dro\u0161\u012bba ir viens no pirc\u0113ju ilgtermi\u0146a piesaistes veidiem. T\u0101p\u0113c cilv\u0113ku ikdienas vajadz\u012bbu un tenden\u010du p\u0101rzin\u0101\u0161ana, k\u0101 ar\u012b tehnolo\u0123isko iesp\u0113ju nodro\u0161in\u0101\u0161ana maks\u0101jumu jom\u0101, nav maz\u0101k b\u016btiska k\u0101 tr\u0101p\u012bgs un savlaic\u012bgs pre\u010du vai pakalpojumu m\u0101rketings.<\/p>\n","protected":false},"excerpt":{"rendered":"Ir piepild\u012bjusies prognoze, kuru bankas izteica pirms gadiem desmit, piecpadsmit \u2013 skaidra nauda pamaz\u0101m izz\u016bd no m\u016bsu ikdienas,…\n","protected":false},"author":2,"featured_media":15494,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[869,77,870,76,867,35,39,38,36,37,34,871,868,40,21],"class_list":{"0":"post-15493","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-biznesa-zinas","9":"tag-bizness","10":"tag-bizness-latvija","11":"tag-business","12":"tag-dienas-zinas","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-biznesa-zinas","20":"tag-latvijas-zinas","21":"tag-lv","22":"tag-zinas"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/15493","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=15493"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/15493\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/15494"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=15493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=15493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=15493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}