Latvijas iedz\u012bvot\u0101ji masveid\u0101 apg\u016bst e-komerciju: Maks\u0101jumu paradumi main\u0101s dramatiski<\/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, e-komercija k\u013c\u016bst par domin\u0113jo\u0161o nor\u0113\u0137inu formu valst\u012b. \u0160\u012bs p\u0101rmai\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. Finan\u0161u eksperts Ulvis P\u0101vuls uzsver, ka tie\u0161saist\u0113 veikto maks\u0101jumu apjoms Latvij\u0101 p\u0113d\u0113jo piecu gadu laik\u0101 ir tr\u012bsk\u0101r\u0161ojies, kas skaidri par\u0101da e-komercijas neapturamo virz\u012bbu uz priek\u0161u.<\/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 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. V\u0113l iespaid\u012bg\u0101ka ir tie\u0161saistes nor\u0113\u0137inu dinamika: 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! \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%. <\/p>\n
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. Ar\u012b kop\u0113j\u0101 tie\u0161saistes maks\u0101jumu v\u0113rt\u012bba ir pieaugusi \u2013 sal\u012bdzin\u0101jum\u0101 ar 2019. gadu Latvijas iedz\u012bvot\u0101ji tie\u0161saist\u0113 t\u0113r\u0113 par 23% vair\u0101k. <\/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\u0113ji akt\u012bvi mekl\u0113 un pied\u0101v\u0101 klientiem \u0113rt\u0101kus un \u0101tr\u0101kus nor\u0113\u0137inu risin\u0101jumus. Tre\u0161k\u0101rt, sabiedr\u012bbas digit\u0101l\u0101s prasmes k\u013c\u016bst arvien augst\u0101kas. <\/p>\n
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. Mobil\u0101 iepirk\u0161an\u0101s vairs nav tikai papildu iesp\u0113ja \u2013 t\u0101 k\u013cuvusi par standartu. <\/p>\n
Popul\u0101r\u0101kie mobilie maks\u0101jumi un jaunas tendences<\/p>\n
\u012apa\u0161i strauju izaugsmi piedz\u012bvo Apple Pay izmantojums, kas vien nepilna gada laik\u0101 ir dubultojies. Ar\u012b Google Pay pak\u0101peniski nostiprina savas poz\u012bcijas, lai gan l\u0113n\u0101k\u0101 temp\u0101. Lai gan interneta banku maks\u0101jumi joproj\u0101m saglab\u0101jas k\u0101 popul\u0101r\u0101kais apmaksas veids, to \u012bpatsvars ir nedaudz samazin\u0101jies, dodot vietu jaunaj\u0101m tehnolo\u0123ij\u0101m. <\/p>\n
Interesanti ir tas, ka liel\u0101k\u0101 da\u013ca jauno Apple Pay lietot\u0101ju iepriek\u0161 maks\u0101ja ar bankas maks\u0101jumiem. Tas iez\u012bm\u0113 fundament\u0101lu uzved\u012bbas mai\u0146u Baltijas re\u0123ion\u0101, kur klienti v\u0113sturiski ir uztic\u0113ju\u0161ies bankas maks\u0101jumiem. Apple Pay un Google Pay \u0113rtums un \u0101trums ir \u012bpa\u0161i noz\u012bm\u012bgs tie\u0161i mobilaj\u0101s ier\u012bc\u0113s, jo tie samazina lietot\u0101ja \u201cfriction\u201d un iev\u0113rojami uzlabo konversijas r\u0101d\u012bt\u0101jus. Nav j\u0101ievada kartes dati, maks\u0101jumu var pabeigt ar vienu piesk\u0101rienu vai biometrisko autentifik\u0101ciju. <\/p>\n
Vid\u0113j\u0101 tie\u0161saistes maks\u0101juma summa p\u0113d\u0113jo piecu gadu laik\u0101 saglab\u0101jas nemain\u012bga \u2013 ap 50 eiro. Tom\u0113r kop\u0113jais apgroz\u012bjums ir audzis, \u012bpa\u0161i kosm\u0113tikas tirdzniec\u012bb\u0101 un b\u016bvmateri\u0101lu un m\u0101jas pre\u010du segment\u0101. Viens no galvenajiem iemesliem tie\u0161saistes maks\u0101jumu popularit\u0101tei ir gan nevainojamais \u0113rtums, gan ar\u012b sp\u0113c\u012bgi dro\u0161\u012bbas risin\u0101jumi, kas nodro\u0161ina \u0101tru un p\u0101rskat\u0101mu nor\u0113\u0137inu pieredzi. <\/p>\n
Uz\u0146\u0113mumiem j\u0101sp\u0113j piel\u0101goties dinamiskajam tirgum<\/p>\n
Lai veiksm\u012bgi konkur\u0113tu m\u016bsdienu dinamiskaj\u0101 tirg\u016b, tirgot\u0101jiem ir b\u016btiski nodro\u0161in\u0101t klientiem \u0113rtas un daudzveid\u012bgas maks\u0101jumu iesp\u0113jas, \u012bpa\u0161i tie\u0161saist\u0113. Tas ne tikai uzlabo klientu apmierin\u0101t\u012bbu, bet ar\u012b veicina p\u0101rdo\u0161anas apjomu pieaugumu. Piepras\u012bjums p\u0113c m\u016bsdien\u012bgiem risin\u0101jumiem aug, un uz\u0146\u0113mumi, kas savlaic\u012bgi piel\u0101gojas, g\u016bst 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\u0161u nor\u0113\u0137inu formu Baltijas valst\u012bs, un piepras\u012bjums p\u0113c tiem turpina pieaugt. <\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas iedz\u012bvot\u0101ji masveid\u0101 apg\u016bst e-komerciju: Maks\u0101jumu paradumi main\u0101s dramatiski P\u0113d\u0113jo piecu gadu laik\u0101 Latvijas iedz\u012bvot\u0101ju maks\u0101jumu paradumi ir…\n","protected":false},"author":2,"featured_media":48683,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,2261,650,35,39,38,36,37,34,5924,40,5773,5772],"class_list":{"0":"post-48682","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-latvijas-iedzivotaji","19":"tag-lv","20":"tag-maksajumu-paradumi","21":"tag-tiessaistes-maksajumi"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115546415803826841","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/48682","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=48682"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/48682\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/48683"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=48682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=48682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=48682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}