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, kas nep\u0101rprotami nor\u0101da uz strauju p\u0101reju uz e-komerciju. Gan bezskaidras naudas, gan tie\u0161saistes nor\u0113\u0137inu \u012bpatsvars ir strauji audzis, padarot digit\u0101los maks\u0101jumus 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.<\/p>\n
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. K\u0101 liecina Eiropas Centr\u0101l\u0101s bankas (ECB) dati, 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. Tas ir iev\u0113rojams l\u0113ciens digit\u0101lo maks\u0101jumu virzien\u0101. \u0160obr\u012bd skaidras naudas maks\u0101jumi Latvij\u0101 veido 26%.<\/p>\n
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 Latvij\u0101 tiek veikts elektroniski! \u0160\u012b dinamika nav rakstur\u012bga tikai Latvijai; l\u012bdz\u012bgas tendences v\u0113rojamas ar\u012b cit\u0101s Baltijas valst\u012bs \u2013 Lietuv\u0101 tie\u0161saistes maks\u0101jumu \u012bpatsvars ir audzis par 17%, bet Igaunij\u0101 \u2013 par 8%.<\/p>\n
Digit\u0101l\u0101s revol\u016bcijas virz\u012bt\u0101jsp\u0113ki<\/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. 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
Interesanti, ka Eiropas valst\u012bs tie\u0161saistes maks\u0101jumi visvair\u0101k pieaugu\u0161i 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
Tie\u0161saist\u0113 t\u0113r\u0113jam vair\u0101k<\/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 iedz\u012bvot\u0101ji ir gatavi ne vien bie\u017e\u0101k izmantot digit\u0101los maks\u0101jumu risin\u0101jumus, bet ar\u012b veikt liel\u0101kus pirkumus tie\u0161saist\u0113.<\/p>\n
Dati liecina, ka \u012bpa\u0161i strauji audzis Apple Pay izmantojums, kas vien nepilna gada laik\u0101 ir dubultojies. Ar\u012b Google Pay pak\u0101peniski nostiprina savas poz\u012bcijas, ta\u010du l\u0113n\u0101k\u0101 temp\u0101. Neskatoties uz to, internetbanku maks\u0101jumi joproj\u0101m ir popul\u0101r\u0101kais apmaksas veids, lai gan to \u012bpatsvars ir nedaudz samazin\u0101jies. Liel\u0101k\u0101 da\u013ca lietot\u0101ju, kas s\u0101ku\u0161i izmantot Apple Pay, agr\u0101k veiku\u0161i maks\u0101jumus ar bankas p\u0101rskait\u012bjumu, kas liecina par fundament\u0101lu uzved\u012bbas mai\u0146u.<\/p>\n
T\u0101pat datos redzams, ka vid\u0113j\u0101 tie\u0161saistes maks\u0101juma summa p\u0113d\u0113jo piecu gadu laik\u0101 nav main\u012bjusies un saglab\u0101jas 50 eiro apm\u0113r\u0101. 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. Viens no tie\u0161saistes maks\u0101jumu popularit\u0101tes iemesliem ir gan \u0113rtums, gan 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<\/p>\n
K\u0101 nor\u0101da eksperts, 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":53796,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[6096,77,76,2261,650,35,39,38,36,37,34,5924,40,5772],"class_list":{"0":"post-53795","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bezskaidra-nauda","9":"tag-bizness","10":"tag-business","11":"tag-digitalie-maksajumi","12":"tag-e-komercija","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-iedzivotaji","20":"tag-lv","21":"tag-tiessaistes-maksajumi"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115576996045656949","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/53795","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=53795"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/53795\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/53796"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=53795"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=53795"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=53795"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}