P\u0113rn\u0101 gada nogal\u0113 vald\u012bbas apstiprin\u0101taj\u0101 Latvijas FinTech strat\u0113\u0123ij\u0101 izvirz\u012btie m\u0113r\u0137i \u2013 par tre\u0161da\u013cu k\u0101pin\u0101t FinTech uz\u0146\u0113mumu skaitu Latvij\u0101, nozar\u0113 izveidot jaunas darbavietas, piesaist\u012bt jaunas invest\u012bcijas un Latvijai k\u013c\u016bt par konkur\u0113tsp\u0113j\u012bgu Eiropas FinTech centru \u2013 ir gana v\u0113rien\u012bgi. Tos sasniegt var\u0113sim vien tad, ja savu artavu ieguld\u012bs visi FinTech ekosist\u0113mas dal\u012bbnieki.<\/p>\n
Jau iepriek\u0161\u0113j\u0101s FinTech strat\u0113\u0123ijas \u012bsteno\u0161anas period\u0101 Latvijas Banka ieguld\u012bja daudz p\u016b\u013cu savu atbild\u012bbas jomu \u2013 licenc\u0113\u0161anas, regul\u0113juma, infrastrukt\u016bras \u2013 pilnveid\u0113. M\u016bsu paveiktais s\u0101k nest aug\u013cus: licenc\u0113to finan\u0161u tirgus dal\u012bbnieku skaits aug, un arvien vair\u0101k maks\u0101jumu pakalpojumu sniedz\u0113ju izmanto Latvijas Bankas maks\u0101jumu infrastrukt\u016bru.<\/p>\n
Efekt\u012bvs licenc\u0113\u0161anas process un jauni tirgus dal\u012bbnieki<\/p>\n
Latvijas Banka 2025. gad\u0101 izsniedza asto\u0146as licences FinTech segmenta uz\u0146\u0113mumiem, \u0161ogad \u2013 jau septi\u0146as.\u012apa\u0161i izce\u013cams, ka p\u0113rn\u0101 gada nogal\u0113 Latvijas Banka izsniedza pirm\u0101s divas licences kriptoakt\u012bvu pakalpojumu snieg\u0161anai. Interese par darb\u012bbas at\u013cauj\u0101m kriptoakt\u012bvu pakalpojumu snieg\u0161anai ir liela \u2013 gan licenc\u0113\u0161anas proces\u0101, gan pirmslicenc\u0113\u0161anas konsult\u0101ciju stadij\u0101 ir vair\u0101ki pieteikumi. Interesi par kriptoakt\u012bvu pakalpojumu sniedz\u0113ja licenci ir izr\u0101d\u012bju\u0161i uz\u0146\u0113mumi no Polijas, Lietuvas, Sp\u0101nijas, V\u0101cijas, Turcijas, Kan\u0101das, Lielbrit\u0101nijas un cit\u0101m valst\u012bm. Tas liecina par Latvijas potenci\u0101lu starptautisku kriptoakt\u012bvu pakalpojumu sniedz\u0113ju piesaist\u0113.<\/p>\n
Starptautisko uz\u0146\u0113mumu interesi par licences sa\u0146em\u0161anu Latvij\u0101 sekm\u0113 ar\u012b febru\u0101r\u012b publiskotais Moneyval zi\u0146ojums, kur\u0101 Latvija guva \u013coti labu starptautisko nov\u0113rt\u0113jumu par izveidoto naudas atmazg\u0101\u0161anas nov\u0113r\u0161anas sist\u0113mu.P\u0113rn un \u0161ogad Latvijas Bankas uzraug\u0101mo finan\u0161u tirgus dal\u012bbnieku lokam pievienoju\u0161\u0101s ar\u012b jaunas maks\u0101jumu un e-naudas iest\u0101des, kolekt\u012bv\u0101s finans\u0113\u0161anas pakalpojumu sniedz\u0113ji, un nupat apr\u012bl\u012b licenci sa\u0146\u0113ma ar\u012b ieguld\u012bjumu brokeru sabiedr\u012bba. Gaid\u0101m, ka izsniegto darb\u012bbas at\u013cauju skaits \u0161ogad turpin\u0101s augt.<\/p>\n
Kopum\u0101 patlaban Latvijas Bank\u0101 licenc\u0113\u0161anas posm\u0101 ir 15 uz\u0146\u0113mumu, bet pirmslicenc\u0113\u0161anas konsult\u0101ciju posm\u0101 \u2013 29.Jaunu tirgus dal\u012bbnieku ien\u0101k\u0161ana apliecina, ka Latvijas Bankas atbalsta meh\u0101nismi un struktur\u0113tais licenc\u0113\u0161anas process darbojas efekt\u012bvi, pal\u012bdz sagatavot uz\u0146\u0113muma darb\u012bbu regul\u0113ta finan\u0161u tirgus dal\u012bbniekam izvirz\u012btaj\u0101m pras\u012bb\u0101m un sekm\u0113 raitu darb\u012bbas at\u013caujas sa\u0146em\u0161anu.Latvijas Bankas izveidot\u0101 vair\u0101kpak\u0101pju atbalsta sist\u0113ma nodro\u0161ina, ka uz\u0146\u0113m\u0113ji sa\u0146em tie\u0161i t\u0101du atbalstu, k\u0101ds nepiecie\u0161ams konkr\u0113t\u0101 uz\u0146\u0113muma brieduma f\u0101z\u0113.<\/p>\n
Pirmais solis ir \u0113rti un operat\u012bvi pieejamas konsult\u0101cijas \u2013 \u0161aj\u0101 posm\u0101 Latvijas Bankas eksperti atbild uz jaut\u0101jumiem par iecer\u0113t\u0101 pakalpojuma vai biznesa mode\u013ca regul\u0113jumu, skaidro uzraudz\u012bbas pras\u012bbas, konsult\u0113 par iesniedzamajiem dokumentiem, k\u0101 ar\u012b iez\u012bm\u0113 t\u0101l\u0101ko sadarb\u012bbas ce\u013cu. Konsult\u0101ciju iesp\u0113ju labpr\u0101t izmanto gan Latvijas, gan \u0101rvalstu uz\u0146\u0113m\u0113ji: gad\u0101 sniedzam aptuveni 100 bezmaksas konsult\u0101ciju, tostarp ar\u012b tiem uz\u0146\u0113m\u0113jiem, kuri tikai s\u0101k iepaz\u012bt regul\u0113ta finan\u0161u tirgus pras\u012bbas.<\/p>\n
N\u0101kamais solis ir b\u016btisks uz\u0146\u0113m\u0113jiem, kas jau pie\u0146\u0113mu\u0161i l\u0113mumu darb\u012bbas at\u013cauju sa\u0146emt Latvij\u0101. Tiem nodro\u0161in\u0101m bezmaksas pirmslicenc\u0113\u0161anas procesu \u2013 Latvijas Bankas eksperti detaliz\u0113ti izv\u0113rt\u0113 uz\u0146\u0113muma biznesa pl\u0101nu un iesniegtos dokumentus un v\u0113r\u0161 uzman\u012bbu uz nepiecie\u0161amiem pilnveidojumiem. Tas pal\u012bdz uz\u0146\u0113m\u0113jiem uzlabot darb\u012bbas at\u013caujas sa\u0146em\u0161anai iesniedzamo dokumentu kvalit\u0101ti un izprast uzraudz\u012bbas pras\u012bbas. Detaliz\u0113ta inform\u0101cija par nepiecie\u0161amajiem dokumentiem un pras\u012bb\u0101m, kas uz\u0146\u0113mumiem j\u0101iev\u0113ro, ir pieejama Latvijas Bankas t\u012bmek\u013cvietn\u0113.<\/p>\n
Veiksm\u012bga sadarb\u012bba pirmslicenc\u0113\u0161anas posm\u0101 pal\u012bdz uz\u0146\u0113m\u0113jam sagatavot darb\u012bbas at\u013caujas sa\u0146em\u0161anai nepiecie\u0161amos dokumentus augst\u0101 kvalit\u0101t\u0113, t\u0101p\u0113c tre\u0161ais posms \u2013 licenc\u0113\u0161anas process \u2013 norit raiti, un uz\u0146\u0113mums darb\u012bbas at\u013cauju var sa\u0146emt pat divu l\u012bdz tr\u012bs m\u0113ne\u0161u laik\u0101 p\u0113c visu dokumentu iesnieg\u0161anas.<\/p>\n
Par struktur\u0113tu un operat\u012bvu licenc\u0113\u0161anas procesu esam sa\u0146\u0113mu\u0161i pozit\u012bvas atsauksmes no \u0101rvalstu uz\u0146\u0113m\u0113jiem un to konsultantiem. Vi\u0146i augstu v\u0113rt\u0113 ar\u012b to, ka dokumentus Latvijas Bank\u0101 var iesniegt ang\u013cu valod\u0101.<\/p>\n
Inov\u0101cijas atbalsto\u0161a maks\u0101jumu infrastrukt\u016bra<\/p>\n
B\u016btiska Latvijas Bankas \u012bstenota iniciat\u012bva FinTech jomas att\u012bst\u012bbai ir iesp\u0113ja nebanku maks\u0101jumu pakalpojumu sniedz\u0113jiem pievienoties Latvijas Bankas Elektronisk\u0101 kl\u012bringa sist\u0113mai (EKS) un veikt SEPA maks\u0101jumus. Interese par \u0161o Latvijas Bankas pied\u0101v\u0101to pakalpojumu ir liela. Pa\u0161laik EKS dal\u012bbnieces ir 13 maks\u0101jumu un elektronisk\u0101s naudas iest\u0101des \u2013 3 Latvij\u0101 un 10 cit\u0101s Eiropas Savien\u012bbas valst\u012bs licenc\u0113tas iest\u0101des. Da\u017ei EKS nebanku dal\u012bbnieki maks\u0101jumu apjoma un skaita zi\u0146\u0101 jau sasniegu\u0161i t\u0101du l\u012bmeni, kas atbilst maz\u0101k\u0101m kred\u012btiest\u0101d\u0113m.EKS dal\u012bbnieku skaits turpin\u0101s augt \u2013 patlaban vair\u0101ki nebanku pakalpojumu sniedz\u0113ji veic sagatavo\u0161an\u0101s darbus, lai pievienotos EKS.<\/p>\n
V\u0113rts ar\u012b zin\u0101t, ka Latvijas Banka ir viena no div\u0101m eirozonas centr\u0101laj\u0101m bank\u0101m, kuras maks\u0101jumu pakalpojumu sniedz\u0113jiem sniedz maks\u0101juma sa\u0146\u0113m\u0113ja v\u0101rda vai nosaukuma atbilst\u012bbas p\u0101rbaudes pakalpojumu jeb Zibp\u0101rbaudes servisu. \u0160o Latvijas Bankas pakalpojumu lieto ne tikai komercbankas, bet ar\u012b 2 citu eirozonas valstu centr\u0101l\u0101s bankas un 10 nebanku maks\u0101jumu pakalpojumu sniedz\u0113ji, tostarp 8 no \u0101rvalst\u012bm.<\/p>\n
Att\u012bst\u012bbai draudz\u012bgs finan\u0161u nozares regul\u0113jums<\/p>\n
Inov\u0101cijas un finan\u0161u nozares regul\u0113jumu nereti uzskata par div\u0101m gr\u016bti apvienojam\u0101m jom\u0101m. Tom\u0113r m\u0113s izprotam inov\u0101ciju noz\u012bmi un sadarb\u012bb\u0101 ar finan\u0161u politikas veidot\u0101jiem un nozaru asoci\u0101cij\u0101m tiecamies veidot inov\u0101cij\u0101m draudz\u012bgu regul\u0113jumu.Labs piem\u0113rs \u2013 kop\u0161 \u0161\u0101 gada janv\u0101ra Kred\u012btiest\u0101\u017eu likum\u0101 iek\u013cauta iesp\u0113ja sa\u0146emt specializ\u0113t\u0101s kred\u012btiest\u0101des licenci ar zem\u0101ku s\u0101kotn\u0113j\u0101 kapit\u0101la slieksni. \u0160\u0101da licence piem\u0113rota t\u0101 d\u0113v\u0113taj\u0101m neobank\u0101m, kuras finan\u0161u pakalpojumus sniedz tikai digit\u0101li vai kuru biznesa modelis paredz inovat\u012bvu finan\u0161u pakalpojumu snieg\u0161anu.<\/p>\n
Jaun\u0101 iesp\u0113ja veicin\u0101s inovat\u012bvu finan\u0161u tirgus dal\u012bbnieku att\u012bst\u012bbu un sekm\u0113s konkur\u0113tsp\u0113ju kred\u012btiest\u0101\u017eu sektor\u0101. Jau vair\u0101ki finan\u0161u uz\u0146\u0113mumi ir interes\u0113ju\u0161ies Latvijas Bank\u0101 par iesp\u0113ju sa\u0146emt specializ\u0113t\u0101s kred\u012btiest\u0101des licenci.Kopum\u0101 Latvijas finan\u0161u nozares regul\u0113jums veido FinTech att\u012bst\u012bbai dro\u0161u un pievilc\u012bgu vidi un Latvij\u0101 licenc\u0113tajiem finan\u0161u nozares uz\u0146\u0113mumiem nodro\u0161ina iesp\u0113ju sniegt pakalpojumus vis\u0101 Eiropas Savien\u012bb\u0101.<\/p>\n
Katram ekosist\u0113mas dal\u012bbniekam \u2013 sava loma<\/p>\n
Latvijas FinTech sektora pla\u0161ai att\u012bst\u012bbai vajadz\u012bga visu FinTech ekosist\u0113mas dal\u012bbnieku sadarb\u012bba, jo katram t\u0101s dal\u012bbniekam ir savs uzdevums. Tie\u0161i t\u0101da ir bijusi Lietuvas pieeja, jo liela loma ir valsts t\u0113lam un uz\u0146\u0113m\u0113jdarb\u012bbas videi. Licence ir starta \u0161\u0101viens, nevis nosl\u0113guma posms, k\u0101 k\u013c\u016bdaini ierasts dom\u0101t. Izv\u0113loties valsti, kur\u0101 att\u012bst\u012bt uz\u0146\u0113m\u0113jdarb\u012bbu, uz\u0146\u0113mumi v\u0113rt\u0113 valsts t\u0113lu un iesp\u0113jas, k\u0101 ar\u012b da\u017e\u0101dus uz\u0146\u0113m\u0113jdarb\u012bbas vides un konkur\u0113tsp\u0113jas aspektus.<\/p>\n
Potenci\u0101lajiem tirgus dal\u012bbniekiem Latvijas Banka nodro\u0161ina atbalsta meh\u0101nismus, infrastrukt\u016bru, efekt\u012bvu licenc\u0113\u0161anas un uzraudz\u012bbas procesu. Sp\u0113jam licenc\u0113t un uzraudz\u012bt ar\u012b lielus FinTech nozares sp\u0113l\u0113t\u0101jus, ta\u010du, lai tos piesaist\u012btu Latvijai, b\u016btiska loma ir strat\u0113\u0123iski un m\u0113r\u0137tiec\u012bgi \u012bstenotam starptautiskajam m\u0101rketingam. \u0160aj\u0101 virzien\u0101 dar\u0101m\u0101 v\u0113l daudz, t\u0101p\u0113c jaunaj\u0101 FinTech strat\u0113\u0123ij\u0101 viens no r\u012bc\u012bbas virzieniem ir Latvijas FinTech sektora populariz\u0113\u0161ana \u0101rvalst\u012bs \u2013 taj\u0101 vado\u0161\u0101 loma ir Latvijas Invest\u012bciju un att\u012bst\u012bbas a\u0123ent\u016brai, bet atbalstu var sniegt ikviens ekosist\u0113mas dal\u012bbnieks.<\/p>\n
Ar\u012b Latvijas Banka iegulda resursus, gan pulcinot nozares p\u0101rst\u0101vjus no Baltijas un cit\u0101m Eiropas valst\u012bm R\u012bg\u0101 FinTech tematikai velt\u012btos forumos, gan regul\u0101ri uzst\u0101joties starptautisk\u0101s finan\u0161u tehnolo\u0123iju jomai velt\u012bt\u0101s konferenc\u0113s un da\u017e\u0101dos nozares pas\u0101kumos konsult\u0113jot par Latvijas Bankas pied\u0101v\u0101jumu FinTech uz\u0146\u0113mumiem.Te svar\u012bgi izprast, ka kvantit\u0101te nav pa\u0161m\u0113r\u0137is, it \u012bpa\u0161i, ja t\u0101 nesniedz pievienoto v\u0113rt\u012bbu tautsaimniec\u012bbai un rada finan\u0161u sektoru apdraudo\u0161us reput\u0101cijas riskus. Latvijas Bankas m\u0113r\u0137is ir veidot kvalitat\u012bvu un konkur\u0113tsp\u0113j\u012bgu FinTech nozari.<\/p>\n","protected":false},"excerpt":{"rendered":"P\u0113rn\u0101 gada nogal\u0113 vald\u012bbas apstiprin\u0101taj\u0101 Latvijas FinTech strat\u0113\u0123ij\u0101 izvirz\u012btie m\u0113r\u0137i \u2013 par tre\u0161da\u013cu k\u0101pin\u0101t FinTech uz\u0146\u0113mumu skaitu Latvij\u0101,…\n","protected":false},"author":2,"featured_media":201071,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,869,77,870,28,29,867,32,33,22,30,31,35,39,38,36,37,34,871,868,40,20,26,27,24,25,21],"class_list":{"0":"post-201070","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-biznesa-zinas","10":"tag-bizness","11":"tag-bizness-latvija","12":"tag-breaking-news","13":"tag-breakingnews","14":"tag-dienas-zinas","15":"tag-featured-news","16":"tag-featurednews","17":"tag-headlines","18":"tag-latest-news","19":"tag-latestnews","20":"tag-latvia","21":"tag-latvian","22":"tag-latviesu","23":"tag-latviesu-valoda","24":"tag-latviesuvaloda","25":"tag-latvija","26":"tag-latvijas-biznesa-zinas","27":"tag-latvijas-zinas","28":"tag-lv","29":"tag-news","30":"tag-popularakas-zinas","31":"tag-popularakaszinas","32":"tag-top-stories","33":"tag-topstories","34":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/116565784979420423","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/201070","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=201070"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/201070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/201071"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=201070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=201070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=201070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}