Latvijas iedz\u012bvot\u0101ji arvien vair\u0101k iecien\u012bju\u0161i e-komerciju<\/p>\n
P\u0113d\u0113jo piecu gadu laik\u0101 Latvijas iedz\u012bvot\u0101ju maks\u0101jumu paradumos notiku\u0161as dramatiskas p\u0101rmai\u0146as. Strauji audzis gan bezskaidras naudas, gan tie\u0161saistes nor\u0113\u0137inu \u012bpatsvars. Eiropas Centr\u0101l\u0101s bankas (ECB) dati liecina, ka tr\u012bsk\u0101r\u0161ojies tie\u0161saist\u0113 veikto maks\u0101jumu apjoms, apliecinot e-nor\u0113\u0137inu popularit\u0101ti. Finan\u0161u eksperts Ulvis P\u0101vuls uzsver, ka \u0161ie dati skaidri par\u0101da iedz\u012bvot\u0101ju p\u0101reju uz e-komerciju.<\/p>\n
Digit\u0101lo maks\u0101jumu triumfs p\u0101r skaidro naudu<\/p>\n
Kam\u0113r Eiropas Savien\u012bb\u0101 kopum\u0101 skaidra nauda joproj\u0101m ir visizplat\u012bt\u0101kais nor\u0113\u0137inu veids, Latvij\u0101 bezskaidras naudas maks\u0101jumi veido jau 78%. Tas ir iev\u0113rojams l\u0113ciens uz priek\u0161u digit\u0101lo maks\u0101jumu virzien\u0101. V\u0113l iespaid\u012bg\u0101ka ir tie\u0161saistes nor\u0113\u0137inu dinamika: ja 2019. gad\u0101 tikai 7% iedz\u012bvot\u0101ju ikdienas maks\u0101jumus veica tie\u0161saist\u0113, tad 2024. gad\u0101 \u0161is r\u0101d\u012bt\u0101js sasniedzis jau 25%. Tas noz\u012bm\u0113, ka katrs ceturtais maks\u0101jums Latvij\u0101 tiek veikts elektroniski! Ar\u012b kaimi\u0146valst\u012bs v\u0113rojams l\u012bdz\u012bgs pieaugums: Lietuv\u0101 tie\u0161saistes maks\u0101jumu \u012bpatsvars audzis par 17%, bet Igaunij\u0101 \u2013 par 8%.<\/p>\n
\u0160\u012b tendence nav tikai par \u0113rt\u012bbu, bet ar\u012b par m\u016bsu pat\u0113ri\u0146a paradumu mai\u0146u. Eiropas valst\u012bs tie\u0161saistes maks\u0101jumi visvair\u0101k pieaugu\u0161i tie\u0161i par p\u0101rtiku un ikdienas prec\u0113m. B\u016btisku da\u013cu no maks\u0101jumiem veido ar\u012b \u0113dienu pieg\u0101des, kas agr\u0101k nebija noz\u012bm\u012bga kategorija, bet \u0161obr\u012bd veido jau 11% no visiem maks\u0101jumiem.<\/p>\n
Faktori, kas veicina digit\u0101lo revol\u016bciju<\/p>\n
\u0160\u012b strauj\u0101 p\u0101reja uz e-komerciju ir vair\u0101ku faktoru rezult\u0101ts. Viens no galvenajiem ir nep\u0101rtraukt\u0101 e-komercijas att\u012bst\u012bba un arvien pla\u0161\u0101ks tie\u0161saist\u0113 pieejamo pre\u010du un pakalpojumu kl\u0101sts. Uz\u0146\u0113m\u0113ji ar\u012b akt\u012bvi mekl\u0113 un pied\u0101v\u0101 klientiem \u0113rt\u0101kus un \u0101tr\u0101kus nor\u0113\u0137inu risin\u0101jumus, vienlaikus sabiedr\u012bbas digit\u0101l\u0101s prasmes k\u013c\u016bst arvien augst\u0101kas. Tie\u0161saistes maks\u0101jumi k\u013c\u016bst par neaizst\u0101jamu ikdienas sast\u0101vda\u013cu \u2013 s\u0101kot no p\u0101rtikas ieg\u0101des un komun\u0101lo maks\u0101jumu veik\u0161anas, l\u012bdz pat pakalpojumu rezerv\u0113\u0161anai vai transporta izmanto\u0161anai, izmantojot mobil\u0101s lietotnes.<\/p>\n
Tie\u0161saist\u0113 t\u0113r\u0113jam vair\u0101k<\/p>\n
Ne tikai dar\u012bjumu skaits, bet ar\u012b kop\u0113j\u0101 tie\u0161saistes maks\u0101jumu v\u0113rt\u012bba ir palielin\u0101jusies. Sal\u012bdzin\u0101jum\u0101 ar 2019. gadu, Latvijas iedz\u012bvot\u0101ji tie\u0161saist\u0113 t\u0113r\u0113 par 23% vair\u0101k. Tas skaidri par\u0101da gatav\u012bbu ne tikai bie\u017e\u0101k izmantot digit\u0101los maks\u0101jumu risin\u0101jumus, bet ar\u012b veikt liel\u0101kus pirkumus tie\u0161saist\u0113.<\/p>\n
\u012apa\u0161i strauji audzis mobilo maks\u0101jumu pakalpojumu k\u0101 Apple Pay un Google Pay izmantojums, kas vien nepilna gada laik\u0101 ir dubultojies. Lai gan internetbankas maks\u0101jumi joproj\u0101m ir popul\u0101r\u0101kais apmaksas veids, to \u012bpatsvars nedaudz samazin\u0101jies. Tom\u0113r j\u0101atz\u012bm\u0113, ka vid\u0113j\u0101 tie\u0161saistes maks\u0101juma summa p\u0113d\u0113jo piecu gadu laik\u0101 ir nemain\u012bga, saglab\u0101joties ap 50 eiro. Interesanti, ka, 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 apliecina, ka cilv\u0113ki ir gatavi liel\u0101kiem pirkumiem tie\u0161saist\u0113, nov\u0113rt\u0113jot gan \u0113rtumu, gan dro\u0161\u012bbas risin\u0101jumus, kas nodro\u0161ina \u0101tru un p\u0101rskat\u0101mu nor\u0113\u0137inu pieredzi.<\/p>\n
Uz\u0146\u0113mumiem j\u0101sp\u0113j piel\u0101goties<\/p>\n
Finan\u0161u eksperti uzsver, ka tirgot\u0101jiem ir \u013coti svar\u012bgi nodro\u0161in\u0101t klientiem daudzveid\u012bgas un \u0113rtas 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 risin\u0101jumiem turpina augt, un uz\u0146\u0113mumi, kas sp\u0113s savlaic\u012bgi piel\u0101goties \u0161\u012bm izmai\u0146\u0101m, ieg\u016bs iev\u0113rojamas konkur\u0113tsp\u0113jas priek\u0161roc\u012bbas. \u0160ie dati skaidri iez\u012bm\u0113 ilgtermi\u0146a tendenci \u2013 digit\u0101lie maks\u0101jumi k\u013c\u016bst par domin\u0113jo\u0161o nor\u0113\u0137inu formu Baltijas valst\u012bs, un piepras\u012bjums p\u0113c tiem tikai turpin\u0101s pieaugt.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas iedz\u012bvot\u0101ji arvien vair\u0101k iecien\u012bju\u0161i e-komerciju P\u0113d\u0113jo piecu gadu laik\u0101 Latvijas iedz\u012bvot\u0101ju maks\u0101jumu paradumos notiku\u0161as dramatiskas p\u0101rmai\u0146as. Strauji…\n","protected":false},"author":2,"featured_media":36662,"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-36661","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":"https:\/\/pubeurope.com\/@lv\/115472235444372379","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/36661","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=36661"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/36661\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/36662"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=36661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=36661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=36661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}