Latvij\u0101 13% iedz\u012bvot\u0101ju p\u0113d\u0113jo gadu laik\u0101 ir main\u012bju\u0161i savu pamatbanku, pirmdien Konkurences ties\u012bbu ned\u0113\u013cas atkl\u0101\u0161anas pas\u0101kum\u0101 teica p\u0113t\u012bjumu centra SKDS vad\u012bt\u0101js Arnis Kakti\u0146\u0161, atsaucoties uz SKDS p\u0113t\u012bjumu.<\/p>\n
Vienlaikus 80,3% p\u0113d\u0113jo gadu laik\u0101 nav main\u012bju\u0161i savu pamatbanku, bet 6,6% ir apsv\u0113ru\u0161i \u0161\u0101du ideju.<\/p>\n
51,7% respondentu, kuri p\u0113d\u0113jo gadu laik\u0101 nomain\u012bju\u0161i pamatbanku, nor\u0101d\u012bja, ka to nomain\u012bja, jo jaun\u0101 banka pied\u0101v\u0101ja izdev\u012bg\u0101kus nosac\u012bjumus, 26,4% nor\u0101d\u012bja, ka jaun\u0101 banka pied\u0101v\u0101ja pla\u0161\u0101ku vai piem\u0113rot\u0101ku pakalpojumu kl\u0101stu, 21% atbild\u0113ja, ka jaunaj\u0101 bank\u0101 ir lab\u0101ka pieredze digit\u0101lajos kan\u0101los.<\/p>\n
Latvij\u0101 61% iedz\u012bvot\u0101ju ir viens konts Latvij\u0101 licenc\u0113t\u0101 bank\u0101, bet 38% ir vair\u0101ki konti, savuk\u0101rt 1% Latvijas iedz\u012bvot\u0101ju, kuriem ir bankas konts, tas ir Latvij\u0101 nelicenc\u0113t\u0101 bank\u0101.<\/p>\n
SKDS p\u0113t\u012bjuma dati r\u0101da, ka 62,6% respondentu ir atv\u0113rts bankas konts “Swedbank”, 27,9% – “SEB bank\u0101”, 23% – bank\u0101 “Citadele”, 15% – “Revolut”, bet 13,1% – “Luminor Bank”.<\/p>\n
Liel\u0101k\u0101 da\u013ca jeb 73% aptauj\u0101to nor\u0101d\u012bja, ka ar savu pa\u0161reiz\u0113jo pamatbanku sadarbojas jau vair\u0101k nek\u0101 desmit gadus. Savuk\u0101rt 19% aptauj\u0101to nor\u0101d\u012bja, ka pamatbank\u0101 ir \u010detrus l\u012bdz desmit gadus, 6% – no viena l\u012bdz trim gadiem, bet 1% – maz\u0101k nek\u0101 vienu gadu.<\/p>\n
P\u0113t\u012bjuma dati liecina, ka 93% respondentu ir apmierin\u0101ti ar savu pamatbanku, bet 5% ir neapmierin\u0101ti. Ja cita banka pied\u0101v\u0101tu lab\u0101kus nosac\u012bjumus, 34% main\u012btu pamatbanku, bet 45% to nedar\u012btu.<\/p>\n
Galvenais iemesls, k\u0101p\u0113c iedz\u012bvot\u0101ji aizvien izv\u0113las palikt konkr\u0113taj\u0101 pamatbank\u0101, ir tas, ka banka izv\u0113l\u0113ta sen atpaka\u013c un l\u012bdz \u0161im nav bijis nopietnu iemeslu main\u012bt, \u0161\u0101du atbildi sniedza 80,9% respondentu. Vienlaikus 23,3% nor\u0101d\u012bja, ka konkr\u0113tajai bankai ir \u0113rta digit\u0101l\u0101 platforma vai lietotne, 20,6% nov\u0113rt\u0113 bankom\u0101tu pieejam\u012bbu, 16,9% nor\u0101da, ka ir izdev\u012bgi vai pie\u0146emami nosac\u012bjumi, bet 9,1% ir svar\u012bga bankas fili\u0101les atra\u0161an\u0101s vieta.<\/p>\n
SKDS p\u0113t\u012bjums r\u0101da, ka \u0161obr\u012bd 65,85% respondentiem nav akt\u012bva kred\u012bta, bet 12,3% ir hipotek\u0101rais kred\u012bts, 8,3% – auto l\u012bzings, 5% – kred\u012btkartes par\u0101ds, bet 2,4% ir cita veida kred\u012bts.<\/p>\n
Liel\u0101k\u0101 da\u013ca jeb 79,1% nav v\u0113rsu\u0161ies bank\u0101, lai uzlabotu kred\u012bta nosac\u012bjumus, bet 20,6% ar \u0161\u0101du l\u016bgumu ir v\u0113rsu\u0161ies bank\u0101. Vienlaikus 67% nav apsv\u0113ru\u0161i domu p\u0101rkredit\u0113ties pie citas bankas, bet 5,7% to ir izdar\u012bju\u0161i.<\/p>\n
Latvij\u0101 45% iedz\u012bvot\u0101ju uzskata, ka past\u0101v pietiekama konkurence starp bank\u0101m, bet 34% dom\u0101 pret\u0113ji.<\/p>\n
SKDS p\u0113t\u012bjum\u0101 piedal\u012bj\u0101s 1807 Latvijas iedz\u012bvot\u0101ji vecum\u0101 no 18 gadiem, kuriem ir konts bank\u0101.<\/p>\n
Savuk\u0101rt pas\u0101kum\u0101 Finan\u0161u nozares asoci\u0101cijas vad\u012bt\u0101js Uldis C\u0113rps nor\u0101d\u012bja, ka p\u0113d\u0113jo desmit gadu laik\u0101 Latvij\u0101 banku konkurenc\u0113 ir main\u012bju\u0161\u0101s vair\u0101kas lietas. Banku uzraugu skaits ir palielin\u0101jies – liel\u0101s bankas uzrauga Eiropas Centr\u0101l\u0101 banka, naudas atmazg\u0101\u0161anas jom\u0101 bankas uzrauga Latvijas Centr\u0101l\u0101 banka, pat\u0113r\u0113t\u0101ju ties\u012bbu jom\u0101 to dara Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centrs, savuk\u0101rt uzraudz\u012bbu datu uzraudz\u012bbas jom\u0101 veic Datu valsts inspekcija. T\u0101pat bankas ir pak\u013cautas vienotai noregul\u0113juma uzraudz\u012bbas iest\u0101dei.<\/p>\n
T\u0101pat C\u0113rps atz\u012bm\u0113ja, ka no banku tirgus ir izst\u0101ju\u0161ies vair\u0101ki dal\u012bbnieki, bet tas nav atst\u0101jis finan\u0161u satricin\u0101jumus. \u0160obr\u012bd ir pieejamas 443 bankas, kas nav Latvij\u0101 licenc\u0113tas. Vi\u0146\u0161 ar\u012b nor\u0101d\u012bja, ka banku nozare ir k\u013cuvusi efekt\u012bv\u0101ka un veiksm\u012bgi tiek \u012bstenotas iniciat\u012bvas, kas uzlabo Latvijas klientu mobilit\u0101ti.<\/p>\n
Jau zi\u0146ots, ka KP pirmdien atkl\u0101j Konkurences ties\u012bbu ned\u0113\u013cu.<\/p>\n
Ned\u0113\u013cas gait\u0101 paredz\u0113ti vair\u0101ki pas\u0101kumi juristiem, uz\u0146\u0113m\u0113jiem, publisko personu p\u0101rst\u0101vjiem un nozaru asoci\u0101cij\u0101m.<\/p>\n
Pas\u0101kumu m\u0113r\u0137is ir veicin\u0101t izpratni par god\u012bgas konkurences noz\u012bmi un rosin\u0101t profesion\u0101lu dialogu par efekt\u012bvu konkurences politikas piem\u0113ro\u0161anu Latvij\u0101.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvij\u0101 13% iedz\u012bvot\u0101ju p\u0113d\u0113jo gadu laik\u0101 ir main\u012bju\u0161i savu pamatbanku, pirmdien Konkurences ties\u012bbu ned\u0113\u013cas atkl\u0101\u0161anas pas\u0101kum\u0101 teica p\u0113t\u012bjumu…\n","protected":false},"author":2,"featured_media":45719,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[129,10553,77,76,35,39,38,36,37,34,40,10554,10555],"class_list":{"0":"post-45718","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-__typenameadvicekeyword","9":"tag-id1206","10":"tag-bizness","11":"tag-business","12":"tag-latvia","13":"tag-latvian","14":"tag-latviesu","15":"tag-latviesu-valoda","16":"tag-latviesuvaloda","17":"tag-latvija","18":"tag-lv","19":"tag-slugbankas","20":"tag-titlebankas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115529373735155106","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/45718","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=45718"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/45718\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/45719"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=45718"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=45718"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=45718"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}