Latvijas iedz\u012bvot\u0101ji aizvien vair\u0101k apg\u016bst e-komerciju: maks\u0101jumu paradumi main\u0101s strauji<\/p>\n
P\u0113d\u0113jo piecu gadu laik\u0101 Latvijas iedz\u012bvot\u0101ju maks\u0101jumu paradumi ir piedz\u012bvoju\u0161i iev\u0113rojamu transform\u0101ciju, strauji pieaugot gan bezskaidras naudas, gan tie\u0161saistes nor\u0113\u0137inu \u012bpatsvaram. \u0160\u012bs izmai\u0146as nav tikai statistikas dati, bet gan spilgts apliecin\u0101jums tam, ka sabiedr\u012bba akt\u012bvi integr\u0113jas digit\u0101laj\u0101 vid\u0113 un pie\u0146em jaunus, \u0113rt\u0101kus maks\u0101jumu risin\u0101jumus. K\u0101 liecina Eiropas Centr\u0101l\u0101s bankas (ECB) dati, tie\u0161saist\u0113 veikto maks\u0101jumu apjoms Latvij\u0101 p\u0113d\u0113jo piecu gadu laik\u0101 ir tr\u012bsk\u0101r\u0161ojies, uzsver finan\u0161u eksperts Ulvis P\u0101vuls. \u0160\u012b tendence skaidri par\u0101da e-komercijas neapturamo virz\u012bbu uz priek\u0161u.<\/p>\n
Digit\u0101lo maks\u0101jumu triumfs: no skaidr\u0101s naudas uz viedier\u012bc\u0113m<\/p>\n
Kam\u0113r Eiropas Savien\u012bb\u0101 kopum\u0101 skaidra nauda joproj\u0101m ie\u0146em pirmo vietu k\u0101 visbie\u017e\u0101k izmantotais nor\u0113\u0137inu veids, Latvija ir sp\u0113rusi drosm\u012bgu soli uz priek\u0161u. \u0160obr\u012bd jau 78% maks\u0101jumu Latvij\u0101 notiek bezskaidras naudas veid\u0101. Ta\u010du pati iespaid\u012bg\u0101k\u0101 izmai\u0146a ir v\u0113rojama tie\u0161saistes nor\u0113\u0137inu jom\u0101. Ja v\u0113l 2019. gad\u0101 tikai 7% iedz\u012bvot\u0101ju ikdienas maks\u0101jumus veica tie\u0161saist\u0113, tad l\u012bdz 2024. gadam \u0161is r\u0101d\u012bt\u0101js ir sasniedzis pat 25%. Tas noz\u012bm\u0113, ka katrs ceturtais maks\u0101jums tiek veikts digit\u0101li!<\/p>\n
\u0160\u012b dinamika nav rakstur\u012bga tikai Latvijai; l\u012bdz\u012bgas tendences v\u0113rojamas ar\u012b cit\u0101s Baltijas valst\u012bs. Lietuv\u0101 tie\u0161saistes maks\u0101jumu \u012bpatsvars ir audzis par 17%, bet Igaunij\u0101 \u2013 par 8%. Interesanti, ka Eiropas valst\u012bs \u0161is pieaugums visvair\u0101k izpaudies tie\u0161i p\u0101rtikas un ikdienas pre\u010du ieg\u0101d\u0113, k\u0101 ar\u012b pieaugo\u0161aj\u0101 \u0113dienu pieg\u0101des pas\u016bt\u012bjumu skait\u0101, kas tagad veido jau 11% no visiem maks\u0101jumiem. Agr\u0101k maz\u0101k noz\u012bm\u012bga kategorija nu ir k\u013cuvusi par b\u016btisku da\u013cu no m\u016bsu ikdienas pat\u0113ri\u0146a.<\/p>\n
Faktori, kas veicina digit\u0101lo revol\u016bciju<\/p>\n
\u0160\u012bs p\u0101rmai\u0146as nav notiku\u0161as nejau\u0161i. T\u0101s veicina vair\u0101ki b\u016btiski faktori. Pirmk\u0101rt, nep\u0101rtraukta e-komercijas att\u012bst\u012bba un arvien pla\u0161\u0101ks pieejamo pre\u010du un pakalpojumu kl\u0101sts tie\u0161saist\u0113. Otrk\u0101rt, uz\u0146\u0113m\u0113ju v\u0113lme pied\u0101v\u0101t klientiem \u0113rt\u0101kus, \u0101tr\u0101kus un m\u016bsdien\u012bg\u0101kus nor\u0113\u0137inu risin\u0101jumus. Un, tre\u0161k\u0101rt, sabiedr\u012bbas digit\u0101lo prasmju pieaugums \u2013 cilv\u0113ki j\u016btas arvien dro\u0161\u0101k un kompetent\u0101k, veicot finan\u0161u dar\u012bjumus internet\u0101. Rezult\u0101t\u0101 tie\u0161saistes maks\u0101jumi k\u013c\u016bst par neat\u0146emamu m\u016bsu ikdienas sast\u0101vda\u013cu \u2013 s\u0101kot no r\u012bta kafijas pas\u016bt\u012b\u0161anas ar pieg\u0101di, l\u012bdz komun\u0101lo r\u0113\u0137inu apmaksai un transporta pakalpojumu rezerv\u0113\u0161anai ar mobilaj\u0101m lietotn\u0113m.<\/p>\n
Ne tikai bie\u017e\u0101k, bet ar\u012b vair\u0101k: tie\u0161saist\u0113 t\u0113r\u0113jam vair\u0101k naudas<\/p>\n
Pieaudzis ne tikai dar\u012bjumu skaits, bet ar\u012b kop\u0113j\u0101 tie\u0161saistes maks\u0101jumu v\u0113rt\u012bba. Sal\u012bdzin\u0101jum\u0101 ar 2019. gadu Latvijas iedz\u012bvot\u0101ji tie\u0161saist\u0113 t\u0113r\u0113 par 23% vair\u0101k. Tas apliecina, ka cilv\u0113ki ir gatavi ne tikai bie\u017e\u0101k izmantot digit\u0101los maks\u0101jumu risin\u0101jumus, bet ar\u012b veikt liel\u0101kus pirkumus tie\u0161saist\u0113, dodot priek\u0161roku \u0113rt\u012bbai un pla\u0161\u0101kai izv\u0113lei.<\/p>\n
\u012apa\u0161i strauji audzis mobilo maks\u0101jumu pakalpojumu, piem\u0113ram, Apple Pay izmantojums, kas nepilna gada laik\u0101 ir dubultojies. Lai gan Google Pay ar\u012b pak\u0101peniski nostiprina savas poz\u012bcijas, t\u0101 izaugsme ir l\u0113n\u0101ka. Neskatoties uz jauno tehnolo\u0123iju popularit\u0101ti, internetbanku maks\u0101jumi joproj\u0101m saglab\u0101 savu domin\u0113jo\u0161o st\u0101vokli, lai gan to \u012bpatsvars ir nedaudz samazin\u0101jies. Tas liecina par sp\u0113c\u012bgu uztic\u012bbu tradicion\u0101lajiem banku pakalpojumiem, vienlaikus atverot durvis inovat\u012bviem risin\u0101jumiem.<\/p>\n
Interesanti, ka, lai gan dar\u012bjumu skaits un v\u0113rt\u012bba ir augusi, vid\u0113j\u0101 tie\u0161saistes maks\u0101juma summa p\u0113d\u0113jo piecu gadu laik\u0101 ir palikusi nemain\u012bga, proti, 50 eiro apm\u0113r\u0101. Tas var\u0113tu liecin\u0101t par to, ka cilv\u0113ki bie\u017e\u0101k veic nelielus, ikdieni\u0161\u0137us pirkumus tie\u0161saist\u0113. Tom\u0113r, sal\u012bdzinot apgroz\u012bjuma izmai\u0146as da\u017e\u0101d\u0101s nozar\u0113s kop\u0161 2022. gada, visliel\u0101kais pieaugums v\u0113rojams kosm\u0113tikas tirdzniec\u012bb\u0101 un b\u016bvmateri\u0101lu un m\u0101jas pre\u010du segment\u0101. Tas nor\u0101da uz pla\u0161\u0101ku pre\u010du kategoriju pieejam\u012bbu un piepras\u012bjumu tie\u0161saist\u0113.<\/p>\n
Dro\u0161\u012bba un \u0113rtums: galvenie ieguvumi<\/p>\n
Viens no galvenajiem iemesliem tie\u0161saistes maks\u0101jumu popularit\u0101tes pieaugumam ir neap\u0161aub\u0101mi \u0113rtums un dro\u0161\u012bbas risin\u0101jumi. M\u016bsdienu maks\u0101jumu sist\u0113mas nodro\u0161ina \u0101tru un p\u0101rskat\u0101mu transakciju pieredzi, samazinot nepiecie\u0161am\u012bbu p\u0113c skaidras naudas vai fizisk\u0101m kart\u0113m. Autentifik\u0101cija ar biometriju (sejas atpaz\u012b\u0161ana, pirkstu nospiedumi) vai dro\u0161iem PIN kodiem padara katru dar\u012bjumu aizsarg\u0101tu, sniedzot gan pirc\u0113jiem, gan tirgot\u0101jiem p\u0101rliec\u012bbu par dar\u012bjuma dro\u0161umu. Apple Pay un Google Pay, piem\u0113ram, darbojas ar augst\u0101ku dro\u0161\u012bbas l\u012bmeni, jo sensit\u012bv\u0101 inform\u0101cija netiek koplietota ar tirgot\u0101ju.<\/p>\n
Uz\u0146\u0113mumu piel\u0101go\u0161an\u0101s: atsl\u0113ga pan\u0101kumiem e-vid\u0113<\/p>\n
\u0160\u012bs pla\u0161\u0101s izmai\u0146as maks\u0101jumu paradumos liek uz\u0146\u0113mumiem nekav\u0113joties r\u012bkoties. Tirgot\u0101jiem ir iev\u0113rojami svar\u012bgi nodro\u0161in\u0101t klientiem pla\u0161as un daudzveid\u012bgas maks\u0101jumu iesp\u0113jas, \u012bpa\u0161i tie\u0161saist\u0113. Tas ne tikai uzlabo klientu apmierin\u0101t\u012bbu, bet ar\u012b tie\u0161i veicina p\u0101rdo\u0161anas apjomu pieaugumu. Piepras\u012bjums p\u0113c m\u016bsdien\u012bgiem un \u0113rtiem risin\u0101jumiem turpina augt, un uz\u0146\u0113mumi, kas sp\u0113s savlaic\u012bgi piel\u0101goties \u0161\u012bm tendenc\u0113m, g\u016bs iev\u0113rojamas konkur\u0113tsp\u0113jas priek\u0161roc\u012bbas. Tie, kas ignor\u0113s \u0161\u012bs izmai\u0146as, risk\u0113 atpalikt.<\/p>\n
\u0160ie dati skaidri iez\u012bm\u0113 ilgtermi\u0146a tendenci: digit\u0101lie maks\u0101jumi neap\u0161aub\u0101mi k\u013c\u016bst par domin\u0113jo\u0161u nor\u0113\u0137inu formu Baltijas valst\u012bs, un piepras\u012bjums p\u0113c tiem turpina nep\u0101rtraukti pieaugt. T\u0101 ir revol\u016bcija, kas notiek m\u016bsu acu priek\u0161\u0101, un tai j\u0101sp\u0113j piel\u0101goties gan pat\u0113r\u0113t\u0101jiem, gan uz\u0146\u0113mumiem.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas iedz\u012bvot\u0101ji aizvien vair\u0101k apg\u016bst e-komerciju: maks\u0101jumu paradumi main\u0101s strauji P\u0113d\u0113jo piecu gadu laik\u0101 Latvijas iedz\u012bvot\u0101ju maks\u0101jumu paradumi…\n","protected":false},"author":2,"featured_media":17334,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,2261,650,35,39,38,36,37,34,40,5773,5772],"class_list":{"0":"post-17333","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bizness","9":"tag-business","10":"tag-digitalie-maksajumi","11":"tag-e-komercija","12":"tag-latvia","13":"tag-latvian","14":"tag-latviesu","15":"tag-latviesu-valoda","16":"tag-latviesuvaloda","17":"tag-latvija","18":"tag-lv","19":"tag-maksajumu-paradumi","20":"tag-tiessaistes-maksajumi"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/17333","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=17333"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/17333\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/17334"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=17333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=17333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=17333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}